Five Star award winners Troy J. Wold, CLU, ChFC & Tayne A. DeNeui, MPH

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Twin Cities Five Star award winners
PROFESSIONAL PROFILE
                            
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Troy J. Wold, CLU, ChFC & Tayne A. DeNeui, MPH
WOLD Financial, LLC.
1118 S Cedar Lake Rd
Minneapolis, MN 55405
Office: 952-936-0222
info@woldfinancial.com
www.woldfinancial.com
Professional ApproachAt WOLD Financial, LLC. planning starts with you. While a one-size fits all approach may be common, we specialize in tailoring investment plans to fit your life. What is important to you, is important to us. Your goals become our goals. We are dedicated to serving you and your family diligently.
Investing is inherently as uncomfortable as it is unknowable. With this in mind, our approach is to plan with purpose to avoid costly emotional mistakes.  We are your coach and your guide toward the future. 
Troy J. Wold, CLU, ChFCFinancial AdvisorPhone: 952-936-0222

When Troy founded the firm over 30 years ago, he responded to what he noticed was an industry trend that favored products over principles. Though these misguided values still exist, WOLD Financial, LLC remains more committed to clients than ever. Troy built the company on a bedrock of solid principles, which he strives to instill in each of his client relationships. As a long-term investor, Troy believes that time, not timing, can be the best teacher. Though it inevitably includes the ups and downs of markets, time teaches that patience, prudence, and perseverance are of the utmost importance. By the same token, time also reveals the danger of panicking and making rushed decisions. Troy's goal is to teach his clients the same lessons that he has learned across his decades in the financial services industry.
A Chartered Financial Consultant (ChFC®) and Chartered Life Underwriter (CLU®), Troy earned his accreditations through The American College of Financial Services. He holds his lifetime member status with the Million Dollar Round Table and has received the Five Star Professional Wealth Manager Award for nine consecutive years, from 2013 to the present. This honor is awarded to the top 7% of financial professionals in the industry. Outside of the office, Troy enjoys volunteering and spending time with his wife and daughter, whether on nature walks, biking, or spending time at the family cabin on Bay Lake.
Tayne A. DeNeui, MPHFinancial AdvisorPhone: 952-936-0222

Tayne has had a passion for finance for as long as he can remember. His enthusiasm for planning stemmed from a foundational experience in his youth when his father died at a young age. The fallout left his family with more questions than answers, but it was the protection of life insurance and its many features that allowed Tayne to continue living a life of opportunity. He went on to earn his BA from the University of Minnesota, experiencing firsthand the value of proper planning to navigate life’s many uncertainties. As a financial advisor, Tayne truly enjoys helping clients identify and help achieve their most valued goals. For Tayne, being an advisor isn’t a job. It’s a relationship founded on clarity; a journey that is enhanced by personalized financial strategies.
Tayne believes personal finance is a public health issue that deserves more comprehensive attention. In pursuit of his passion, he earned his Masters of Public Health in Public Health Administration and Policy with an emphasis on senior care financing from the University of Minnesota in 2010. His Master’s Project, “Taming the 800lb Gorilla: Addressing the Long-Term Care Financing Crisis in Minnesota,” received Master’s Project of the Year, and he later presented it to the Minnesota Department of Health’s Transform 2010 conference on aging. When Tayne is not enjoying time with clients or volunteering, you can find him and his wife introducing their children to the great parks, zoos, farmers markets, and restaurants in the Twin Cities.

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                        This award was issued on 11/1/24 by Five Star Professional (FSP) for the time period 3/13/24 through 10/29/24. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 4789 Twin Cities-area wealth managers were considered for the award; 624 (13% of candidates) were named 2025 Five Star Wealth Managers.  The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2024: 4,280, 637, 15%, 12/1/23, 3/13/23 - 9/29/23;  2023: 4,080, 633, 16%, 12/1/22, 3/14/22 - 10/18/22; 2022: 4544, 622, 14%, 12/1/21, 3/29/21 - 10/8/21; 2021: 4004, 630, 16%, 12/1/20, 3/30/20 - 10/23/20; 2020: 3606, 589, 16%, 12/1/19, 3/1/19 - 10/25/19; 2019: 3504, 671, 19%, 12/1/18, 3/23/18 - 10/23/18; 2018: 2622, 591, 23%, 12/1/17, 2/23/17 - 10/13/17; 2017: 2304, 836, 36%, 11/1/16, 2/25/16 - 10/14/16; 2016: 2083, 854, 41%, 11/1/15, 4/17/15 - 10/14/15; 2015: 2673, 825, 31%, 12/1/14, 4/17/14 - 10/14/14; 2014: 1931, 844, 44%, 12/1/13, 4/17/13 - 10/14/13; 2013: 2151, 863, 40%, 12/1/12, 4/17/12 - 10/14/12; 2012: 1256, 624, 50%, 11/1/11, 4/17/11 - 10/14/11. 
                    
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Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

        *Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
    
                    Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.