WELCOME Matt Ratchenski Mid Minnesota Investment and Retirement Services is pleased to announce Matt Ratchenski has joined the team as an LPL financial advisor. Matt is a Chartered Retirement Planning Counselor (CRPC) which means his experience and training support a "road map" for strategies before and after retirement. With six years of experience in investment and retirement services, Matt helps individuals through a holistic and personalized approach to their specific financial needs and goals. Matt is a North Dakota native and graduated with a finance degree from North Dakota State University. He lives in the Perham area with his family and enjoys the Minnesota outdoors in all seasons. Matt is in our Detroit Lakes Office and travels to the surrounding areas including Ada, Staples, and Wadena to meet with clients. MATTHEW RATCHENSKI LPL Financial Advisor, CRPC m.ratchenski@lpl.com tel: (218) 844-5540 Ext. 861 cell: (701) 265-2345 MIDMINNESOTA INVESTMENT and RETIREMENT SERVICES DETROIT LAKES | 1405 US Hwy 10W | (218) 844-5540 mmfcu.org Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products offered through LPL or its licensed affiliates. Mid Minnesota Federal Credit Union (MMFCU) and Mid Minnesota Investment and Retirement Services (MMIRS) are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using MMIRS and may also be employees of MMFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, MMFCU or MMIRS. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency Not Credit Union Deposits or Obligations Not Credit Union Guaranteed May Lose Value WELCOME Matt Ratchenski Mid Minnesota Investment and Retirement Services is pleased to announce Matt Ratchenski has joined the team as an LPL financial advisor . Matt is a Chartered Retirement Planning Counselor ( CRPC ) which means his experience and training support a " road map " for strategies before and after retirement . With six years of experience in investment and retirement services , Matt helps individuals through a holistic and personalized approach to their specific financial needs and goals . Matt is a North Dakota native and graduated with a finance degree from North Dakota State University . He lives in the Perham area with his family and enjoys the Minnesota outdoors in all seasons . Matt is in our Detroit Lakes Office and travels to the surrounding areas including Ada , Staples , and Wadena to meet with clients . MATTHEW RATCHENSKI LPL Financial Advisor , CRPC m.ratchenski@lpl.com tel : ( 218 ) 844-5540 Ext . 861 cell : ( 701 ) 265-2345 MIDMINNESOTA INVESTMENT and RETIREMENT SERVICES DETROIT LAKES | 1405 US Hwy 10W | ( 218 ) 844-5540 mmfcu.org Securities and advisory services are offered through LPL Financial ( LPL ) , a registered investment advisor and broker - dealer ( member FINRA / SIPC ) . Insurance products offered through LPL or its licensed affiliates . Mid Minnesota Federal Credit Union ( MMFCU ) and Mid Minnesota Investment and Retirement Services ( MMIRS ) are not registered as a broker / dealer or investment advisor . Registered representatives of LPL offer products and services using MMIRS and may also be employees of MMFCU . These products and services are being offered through LPL or its affiliates , which are separate entities from , and not affiliates of , MMFCU or MMIRS . Securities and insurance offered through LPL or its affiliates are : Not Insured by NCUA or Any Other Government Agency Not Credit Union Deposits or Obligations Not Credit Union Guaranteed May Lose Value