Call now to protect your retirement income: 1-877-812-0259

How much Insurance do I need?

We know it's often hard to figure out how to determine what insurance you need.  Don't worry, we are here to assist you in planning.

Dennis Holmstrom, Founder, MN License # 122179
In 1972, Dennis began his insurance career. Since that time he has achieved many certifications and awards.


Todd Sjoberg,  Owner, MN License # 5045
In 1996, Todd began his career in accident, health and life insurance. After discovering the lack of expertise available to seniors, Todd began working with people 55+ of age, educating and assisting them with their financial matters. Todd continues to watch the trends and programs so that he can help his clients with information regarding tax savings, catastrophic illness, and assets protection


Cindy Larson, Administrative Assistant
Cindy has over 20 years of experience in customer service. She is married and has two girls. Cindy is active with her daughter's sporting events and in her church with youth activities. She enjoys being outdoors and spending time with her family.


Sheila Nielsen,  Administrative Assistant
Sheila has over 15 years of experience in customer service and event planning. Sheila is married and has two children. She volunteers her time with the school and sporting events of her children and enjoys spending time with her family and outdoor activities. 

Kristin Nelson, CFO, MN Insurance License # 20018798
Kristin has been with Sjoberg & Holmstrom since 1989 and is licensed in Property & Casualty and Life & Health. She has a Bachelor of Science degree in accounting. Kristin enjoys spending time with her daughter and her activities. 


Dennis Norby, MN Insurance License # 242237
Dennis has been licensed for Property & Casualty for over 40 years. He is able to provide competitive personalized insurance quotes for personal home, auto, farms, recreational vehicles as well as all lines of commercial insurance.


Robin Riley, Production Manager 
Robin has over 28 years of experience in the radio industry. She has been an on-air personality, wrote and produced shows and sales. Robin has a son and daughter-in-law. She lives with her significant-other Fred and they enjoy taking their classic cars to shows and riding motorcycles too.

Taking Care of Your Retirement

It's hard to know just how much income you will need in retirement so yo don't run out of money.  We will show you where you are today and how to get where you want to be tomorrow.

Our Team at a Glance

Let us Help you with these Financial Concerns


  • Safe Money Strategies
  • Retirement Planning
  • Life Insurance
  • Long Term Care Insurance
  • Fixed Annuities
  • Indexed Annuities
  • Final Expense Trusts
  • IRA
  • ROTH IRA
  • 401k or 403b Rollovers
  • Auto/Home Insurance
  • Farm Insurance
  • Recreational Vehicles Insurance
  • Commercial Insurance
  • General Liability Insurance
  • Workers Compensation Insurance
  • Long Term Care Contracts
  • Group Benefits
  • Individual and Family Health Insurance
  • Disability Insurance
  • Medicare Supplement

We are dedicated to our clients and their retirement goals.