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Western & Southern Life


Financial & Investment Services

About Us

Serving businesses in MN, WI, ND & SD by providing best in class solutions to employers who have concerns/desires in providing healthcare and retirement programs for their teams.
I also provide individualized financial planning services to families and retirees. Whether it be asset protection, education planning, financial planning, wealth protection and retirement & Medicare planning, my team is here to help.


Western & Southern Life

Rep/Contact Info

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Joe Karels
Registered Representative