After my father passed away in 2012, I inherited his IRA, which had been managed and advised by Caroline. Unsure of what to do with the account and wanting guidance on how it fit within my broader financial picture, I scheduled a meeting with Caroline at Wealth Financial Consultants.

From our very first meeting, I was impressed. Caroline was exceptionally knowledgeable, professional, and thorough. Her expertise in financial markets and portfolio management was evident, but what truly stood out was her attention to detail and her genuine commitment to understanding me and my family's goals. She combines technical excellence with compassion, integrity, and a sincere desire to help her clients succeed.

 It became clear to me very quickly that Caroline is a top-tier financial advisor. Knowing how meticulous and thoughtful my father was with every financial decision he made, I felt completely confident that I was in capable hands with Caroline and Wealth Financial Consultants.

 Since 2012, our relationship has continued to grow, and Sam has become an integral part of the team. He has been a tremendous asset and value-add. Sam is intelligent, professional, personable, and incredibly easy to work with. He is always responsive and helpful whenever I have questions about my accounts or need assistance with eMoney planning tools. His dedication to client service has made every interaction smooth and productive.

 Working with Caroline, Sam, and the entire team at Wealth Financial Consultants has been a wonderful experience. Their expertise, responsiveness, and genuine care for their clients have earned my trust and confidence over the years, and I am grateful for the guidance they continue to provide.

When my previous financial planner retired over 10 years ago, he referred his clients to Caroline Emswiler and Wealth Financial Consultants. Having always trusted him implicitly, and knowing he had thoroughly vetted her, I signed on. I have never regretted doing so for one minute!

Caroline, and Sam, have been absolute gems to work with. They are knowledgeable, ethical, and laser-focused on understanding the financial needs and goals of their clients as individuals. Caroline’s care and expertise has allowed me to continue living a financially secure life, and to confidently plan for my future.

I truly look forward to our twice-yearly scheduled personal and virtual meetings. Though I reside in another state, Caroline and Sam are only a phone call, email or Zoom meeting away; and I can count on a quick response and satisfactory resolution for issues that arise in between our scheduled appointments.

I am pleased to have this opportunity to express my deep gratitude for the services provided me by Wealth Financial Consultants, and to highly recommend them to everyone.

We have been working with Caroline and Sam for the past four years, and one of our biggest regrets is not finding them sooner. From the very beginning, they took the time to understand our goals and helped us get our retirement planning on track.

Unlike our previous advisor, who simply reviewed our accounts, Caroline and Sam provide thoughtful guidance and proactive advice tailored to our needs. More importantly, they genuinely care about our success and have built a relationship with us based on trust.

We highly recommend Caroline and Sam to anyone looking for financial advisors who are knowledgeable, professional, and truly invested in their clients' future.

Knowing we have people we trust guiding our financial future gives us tremendous peace of mind, and we are grateful for everything they have done for us.

Caroline—and more recently Sam—have been trusted partners in our family’s financial and retirement planning since 2015. Throughout that time, we’ve consistently experienced their professionalism, integrity, and genuine commitment to understanding what matters most to us.

They are excellent listeners who take the time to know us on a personal level, balancing thoughtful guidance with a forward-looking perspective. Their ability to combine strong technical expertise with a caring, client-first approach has given us great confidence in our financial path. At the same time, they’ve encouraged us—always in a supportive way—to invest more intentionally in our future, and it has been rewarding to see our portfolio grow under their guidance.

We are also deeply appreciative of the kindness and patience they’ve shown while helping my mother improve her financial situation. That level of care speaks volumes about who they are.

Overall, we couldn’t be more pleased with the service, guidance, and partnership provided by Caroline and Sam.

The team at Wealth Financial bring a level of professionalism, knowledge, and care that sets them apart. In working alongside Caroline on shared clients, I’ve been impressed by her attention to detail, strong communication, and commitment to doing what is best for each individual client. Her level of service is far superior to what I have seen from other financial planners. Caroline and her team are not only highly knowledgeable, but also incredibly responsive and collaborative, making her a trusted partner to both clients and professionals alike. I would confidently recommend Wealth Financial to anyone seeking thoughtful, personalized financial planning services.

A random connection nearly 35 years ago led me to Caroline, who has been my trusted advisor since that first meeting. She has been a steady financial guide through job changes, moves, raising my son, debt management and now into retirement. She stays informed, instills confidence, provides tough direction when needed and celebrates my successes with me. I've been happy to refer friends to Caroline and Sam, who are also guiding my son as he begins his financial planning. I am so grateful to have made that first connection so many years ago!

When we first came to Caroline, I had been recently laid-off and our finances were in disarray. She guided, encouraged and championed us through those times and helped us build, slow but sure, a solid foundation for retirement. After more than 20 years with Caroline, and now Sam, we have finally passed that milestone. 

Caroline and Sam have always given us the benefit of their full attention, their professionalism, their knowledge.

We meet to review our portfolio, discuss personal plans, near term and long term.  Caroline and Sam offer to meet with us online, but we prefer to meet with them in person, in that we count them among friends and look forward to seeing them when we can.

We are grateful and blessed for what they’ve done for us.

Working with Caroline and her staff for nearly 15 years has been one of the best decisions I’ve made. For a long time, I didn’t think I “needed” a financial planner — I was a single parent and didn’t feel wealthy enough to justify it. A friend recommended Caroline, and from our very first meeting she made me feel confident, capable, and genuinely proud of the progress I was making. She has guided me through every stage of life with patience, clarity, and encouragement. I’ve never once felt judged — only supported. I’m truly grateful for the stability and peace of mind she’s helped me build.  Thank you so much for everything you do!

Caroline and Sam have successfully guided us through our pre and post retirement financial planning. They have been an indispensable ally in  developing a comprehensive financial strategy that includes wealth enhancement, tax and estate planning guidance.

I wouldn't hesitate to refer Wealth Financial Consultants to my friends and family. 

As we began our financial planning we were fortunate to connect with Caroline, Sam and Wealth Financial. Their knowledge and guidance has been extremely helpful with making the best decisions for our future. Our routinely scheduled meetings have been informative, reassuring and enjoyable. We are thankful to have such a great team supporting us.

We appreciate our partnership with Wealth Financial Consultants and RBC Rochdale and the level of expertise and service they have provided for the past 2 ½ years.

Caroline takes the time to explain every option clearly and helps us feel confident about the choices we’re making.  We feel organized, supported, and on track towards our short-term and long-term goals. 

We feel respected and aligned as Caroline structures our meetings to meet both the one that is energized by financial strategy, and the other that prefers simplicity. 

For more than 30 years, while living in various states and countries, I have had the privilege of working with Caroline (and, more recently, Sam). Throughout that time, her dedication, professionalism, and genuine support for my financial well-being have remained unwavering. Caroline and Sam have consistently provided thoughtful guidance tailored to my changing financial goals and life circumstances, always providing the time to explain various options clearly and ensuring that I feel comfortable and involved in every decision. What sets Caroline and Sam apart is not only their deep financial knowledge and integrity, but also the personal commitment they bring to every meeting; I have always felt valued as a client, never just another account. Their ongoing support over the past several years has given me tremendous peace of mind, and I am truly grateful for the trust, reliability, and exceptional service they continue to provide. I look forward to continuing my financial growth journey with Caroline and Sam.

We’ve been working with Caroline for just short of 30 years.  A lot has evolved in our lives during that time but through it all Caroline’s support and professionalism has remained steady.  As our jobs, family commitments, and retirement goals have evolved; Caroline has ensured our investment planning has evolved as well.  In the last few years Sam has joined the team and between the two of them we continue to get very responsive and well-informed guidance.  They are always willing to answer questions and provide expertise directly or through their vast network of contacts.  They are proactive in being informed on the latest legislative and market trends and truly look out for our best interests.  We feel extremely confident that when we are finally ready to retire that we will be set up for success.  We highly recommend Caroline, Sam and WEALTH Financial! 

Caroline with Wealth Financial Consultants has been a trusted professional partner, and I’ve had the pleasure of working alongside her over the years. As an attorney, I deeply value collaborating with professionals who communicate well and genuinely care for the people they serve, and Caroline consistently exceeds expectations. She is thorough, prompt, and quick to respond. Her clients continually share that they feel heard, supported, and well cared for by Caroline and her team.  Beyond her knowledge and professionalism, Caroline brings kindness, integrity, and a genuine heart for helping others. She is someone I trust completely and recommend with confidence. I’m truly grateful to have Caroline as a resource for our joint clients.

Met Caroline at a work event, 20 years ago.  She has been our guiding star ever since.  First meeting she reviewed everything we had & made suggestions for short- & long-term strategies.  We said we wanted to retire by age 55,  Caroline made it happen!  We've made it into full retirement, Medicare & SS all via Caroline's expertise for 11 years of our retirement so far.  She continually educates herself through every financial strategy which has helped us through every stage of our financial life, including meeting with us & our tax CPA to minimize tax exposure throughout our retirement years.  Wealth Financial Consultants offers the best resources for the big life-changing changes.  It made our decisions so easy, guidance the whole way.  We're living life large because Caorline really cares for her clients & loves what she does.   

You're the best & so happy you've given us an excellent retirement!

As always we thank Caroline and Sam for making our dreams a reality.  We tell people the smartest thing we ever did was to meet them and follow their guidance.  We look forward to our visits and continue to bounce several ideals off of you.         

I am writing to highly recommend Caroline, whom I was introduced to by a coworker over 20 years ago. As a single parent of three, working with her was one of the best decisions I have made for my family's future.

Caroline is exceptionally patient when explaining financial details. She created a tailored plan that allowed me to retire much earlier than I ever imagined. Her deep understanding of my financial situation and her carefully considered strategies have resulted in a solid plan that guarantees continued success throughout my retirement.

I would not hesitate to recommend her services to anyone seeking financial guidance.

We have been privileged to be the clients of Caroline Emswiler for close to thirty years.  In that time, her steady, meticulous and professional guidance helped us plan for and secure a firm financial foundation.  What were once considered “aspirational” financial goals established so many years ago, are now confidently and reliably supporting us in our retirement.  She and her team have specifically assisted us in developing a strong and multi-faceted financial portfolio that features the primary pillars of financial security –investment planning, life insurance, medical/medicare coverage, social security, and end-of-life/estate planning.  We have been and will continue to be the direct beneficiaries of her remarkable and competent personal and professional services.

I have worked with Caroline and her staff at Wealth Financial for 25 years, and I will always be grateful to General Mills HR for recommending I “check her out.”  At the time I was working with a financial planner who seemed judgmental and like he was pushing his own agenda versus understanding me and my goals.  I dreaded meetings with him.   

Caroline has been a wonderful financial planner and partner.   Her advice and direction is always well informed, based on expertise and careful attention to both current conditions and informed predictions about the future. Caroline's expert advice certainly helped ensure my financial security in retirement.

 What I most value is her holistic approach to financial planning.  She has demonstrated interest in me as a person and sought to understand my goals.  She has partnered with my accountant and my lawyer to ensure that financial planning plays a role in related areas.  After all these years, I consider Caroline a good friend as well as my financial planner.  I am grateful for her support and advice and the way she cares about me and not just my portfolio.  I believe a financial planner should be a trusted partner.  Caroline continues to be a wonderful partner as I now plan, not for retirement, but for how to use the resources I have built in a way that is true to my life goals. 

Working with Caroline Emswiler and the team at WEALTH Financial has truly been life changing for my family. From the very beginning, Caroline took the time to educate us about our overall financial situation and helped us understand areas where we were vulnerable, including the lack of life insurance coverage for my husband. She explained our options clearly and helped us put a policy in place. This is something we might have otherwise continued to put off.

Only six months after securing that policy, my husband passed away very unexpectedly at just 39 years old. While nothing can ever prepare you emotionally for a loss like that, the financial protection Caroline helped us put in place turned out to be the best financial decision we ever made. During one of the most difficult times of my life, Caroline and the WEALTH Financial team became my most valuable asset when it came to navigating my finances. Their guidance, compassion, and professionalism made an overwhelming situation manageable.

What meant just as much was that their support didn’t stop there. Caroline continued to help me rebuild and plan for the future. Today, she works with my current husband and me, and she makes financial planning feel simple, organized, and achievable. We always feel informed, supported, and confident about the path ahead.

I am incredibly grateful for Caroline Emswiler and the entire WEALTH Financial team. Their knowledge, care, and dedication to their clients make all the difference.

I have worked with Caroline and Wealth Financial Consultants for almost 25 years, including the last few years when she added Sam to the team, who turned out to be another valuable asset.  Caroline is very diligent and takes her fiduciary responsibilities with firm commitment.  If I have a question, I can always call her and she works to find the answer.  Caroline guided me through the different stages of my life as well as the retirement process, IRA conversions, tax planning and everything that goes with it.  It has been my pleasure to work with Caroline, Sam, and Wealth Financial Consultants all these years. Thank you!

Working with Caroline and Sam at WEALTH Financial Consultants has been nothing short of transformative. Before partnering with them, I was contributing to my 401(k) sporadically—now I have a thoughtfully constructed, diversified portfolio. They've guided me through every available strategy to maximize my savings and secure my financial future, giving me a newfound sense of confidence and control over my retirement planning. Caroline and Sam are incredibly hands-on and responsive—whether by phone or email, they’re always just a moment away. Although I live in Duluth, MN, their support feels as close and personal as if they were right next door. I wholeheartedly recommend them to anyone looking to take charge of their financial journey.

We have been working with Caroline, Sam and Wealth Financial Consultants since 2010, and we need to say it has been a great experience. We left our previous advisors when we felt that we weren’t getting the follow up and advice needed to set us up for our retirement.

With the continued guidance we have received from Caroline, Sam and the team we have been able to achieve our goals and now are on to enjoy retirement at an age where we can enjoy it.

I must add that their prompt follow-up and support have not dropped at all since moving out of the metro area.  We both consider Caroline and Sam great financial advisors, great people and caring friends to assist us in a very important piece for our future.

We’ve worked with Caroline and her team at WEALTH Financial Consultants for over five years, and the experience has been exactly what we needed. When we first started, we were contributing to our 401(k), but beyond that, we weren’t sure what steps to take. Caroline took the time to understand our budget, stage of life, and both our short- and long-term goals. 

As our family has grown and our financial needs have evolved, she’s guided us through each transition while keeping our priorities front and center. What makes Caroline and the WEALTH Financial team exceptional is how well they listen, stay connected, and follow through at every stage of the journey.

If you're a professional looking for a long-term financial partner, you can trust the guidance of WEALTH Financial Consultants.

It is hard to put into words what an absolute pleasure it has been working with Caroline, Sam, and WEALTH Financial Consultants! I'm embarrassed to say that I just got started this whole process about two years ago (about 30 years late). They have been patient, professional, and supportive, more than I could ever imagine or ask for. In a couple of short years, I have gone from ZERO chance of success (i.e. running out of money) if I retire, to 90% success, and we will continue to improve that number over the next couple of years. It has not been easy, but it will be worth it to have peace of mind. I have recommended both my children to start this process now, so they won't have to work as long as I will due to my lack of attending to this sooner. THANK YOU Caroline, Sam and WEALTH Financial! 

Our prior financial planner was somewhat careless in his oversight of our portfolio. A number of small mistakes added up! Under Caroline, Sam and Clark Capital, our money is constantly under watchful, and more importantly experienced eyes.

Caroline and Sam are always a phone call away.

We have worked with Sam & Caroline at WEALTH Financial Consultants for about a year and a half, and they have been wonderful to work with. This was our first time working with a financial planner and they have guided us on how to set up long term financial growth/goals and starting to plan for retirement early, as we are on only 10 years into our careers. We also love attending our meetings in person with a regular special guest... Caroline's dog HUNTER! We highly recommend working with this smart and savvy team! 

Yay! We are officially retiring and are grateful for the steady guidance and leadership from Caroline and her team at Wealth Financial Consultants these past 27+ years. 

As a young couple, we started working with Caroline and she has guided us through the financial milestones involved with parenting. She kept our retirement goals as the priority as we managed the costs / expenses that came with childcare, vehicles, college, and most recently, weddings. Through these years, she has been a steady resource as there were job changes and general unexpected economic or market challenges. At this stage of our lives, focused tax and estate planning are on the top of our minds and Caroline is available to assist with input as needed. 

Caroline’s professional consulting standards and follow-through are nothing short of exceptional. We are particularly impressed with her commitment to ongoing education / professional development, not only for herself, but for her team.  We would not hesitate to recommend Caroline for financial planning! 

Caroline was recommended by my company's website team member life resources. She had 5 stars. I have worked with WEALTH Financial Consultants and Caroline for almost 10 years. In these 10 years. Caroline has taken the time to understand my short term and long term goals. She has helped me understand and make changes to my financial plan as my circumstances change. She has also been my go to person for any financial advice I need. Whether it is estate planning templates, refinancing, or even my benefits. I appreciate and rely on Caroline and Wealth Financial Consultants immensely and am very happy to have them as my partner in different stages of my life as well as my kids.

We have been with Caroline for over 25 years. We met her when we were very late in starting to save for retirement.

Caroline met with us every 6 months, without fail, and had a strong plan for us to build our portfolio. She learned about our anxieties and goals with investing. Year after year we listened and followed her advice for reaching those goals and our portfolio grew.

We truly believe that without Caroline, we would not be enjoying the comfortable retirement we now have. It’s very nice to find a person that truly cares about your best interests and she has become a good friend.

We have had the pleasure of working with Caroline and her staff for over 20 years. I originally met Caroline at an event that my employer hosted. I was so impressed with her holistic approach to personal finances. Over the years that we have worked together, I have found her to be an expert in her field, always looking for ways to evolve and grow the portfolio to achieve our family's goals. She is the perfect balance of accountability and a gentle push to ensure life long financial success!

Non compensated client testimonials; may not be representative of all client experiences; no guarantee of future performance or success.