Layton has worked as a financial advisor for over 20 years, serving high net worth families, small business owners and individuals. With experience navigating capital markets, understanding tax advantages of retirement savings plans as well as the importance of life insurance and thoughtful investment strategies, he has been able to guide clients through many financial events. Of course these events will occur in both good times and bad. Whether helping retirees understand their post career income, the financial ramifications of divorce or losing a loved one, perhaps simply just listening to anxieties during chaotic markets, adding a personal touch has been his advantage in gaining client confidence.  

Living in rural ND, Layton also specializes in working with farm and ranch families and those working in or retired from agriculture support businesses. His clientele also includes retirees from nearly all industry’s along with local professionals and high income earners benefiting from full service planning. Whether you desire complex advice or are simply looking for investment and market guidance to grow your nest egg, Layton is here to help. While providing you access to many industry experts, he is always willing to coordinate with other professionals in your life, such as your CPA or attorney.  

Keeping clients focused on the big picture and keeping the simplicities of investing front and center have been some of the most rewarding parts of Layton's career. With the constant noise of mainstream media, social media and politics all distracting from the real benefits of long term investing, Layton takes great pride in educating and coaching clients on items that truly matter to their wealth.

Layton was born and raised in Canada, moving to ND more than two decades ago to raise his family. He and his wife, Jennifer, have three children and enjoy spending family time together, traveling as often as they can and enjoying their outdoor lifestyle living near the shores of Devils Lake. Recently they became “empty nesters” and find themselves adjusting to this new lifestyle, away from the hours spent in a hockey rink or rushing to kids activities. Layton is actively involved with the local curling club each winter and a long time volunteer of Rotary International. He enjoys hunting each fall (especially in Canada) and tries to find time for a few other hobbies, including fishing, cooking and a few frustrating games of golf whenever time allows.

Marcy Rinas works as Branch Manager, Senior Vice President at Capstone Financial Group.  She has 20 years of experience in the financial services industry, with the last eight working in a compliance and operations manager role as a supervisor and compliance principal.  She holds series 7, 66, 9, 10, and 24 securities registrations, and also holds life, health, and variable insurance licenses. 

In her role, she works primarily in operations and compliance, but also strives to create strong partnerships with our advisors and our clients to develop strategies to improve and continually elevate the client experience.  She is responsible for communicating policies, managing processes, and acting as a senior point of escalation to ensure problem resolution.  She evaluates and ensures branches are in compliance with operational procedures, and conducts principal reviews, audits, and manages approvals. 

Marcy strives to lead by demonstrating transparency in her interactions.  She believes that teams can more easily achieve goals by not only being accountable and displaying credibility, but also by being adaptable and leading with integrity.  She strives to add value to clients by proactively evaluating business activities and maintaining a thorough understanding of laws and regulations.

Outside the office, Marcy resides in Fargo, ND with her husband Adam.  They have three children – Alena, Camden, and Hudson.  Her family enjoys hockey and ice fishing in the winter, and spending time together at the lake in the summer.  Marcy has been a Community Review Panelist with the United Way of Cass Clay for several years, and she also enjoys volunteering at Hope Lutheran and the St. Francis thrift store in Fargo.

Alex is committed to providing exceptional service and support for clients. With a background spanning 7 years in the financial services industry, she brings a wealth of experience and expertise to her role. She handles a diverse range of tasks, including account maintenance, appointment scheduling, and addressing various client requests. Her goal is to ensure that every client receives prompt and personalized attention, making their experience with us as seamless and enjoyable as possible. 

One of the aspects Alex enjoys most about her role is the opportunity to build meaningful relationships with clients. She takes pride in being someone they can depend on, offering support and guidance whenever they need it most.

Outside of work, Alex enjoys spending time with her family, including her parents, siblings, nieces, nephews, and boyfriend. They love traveling together and indulging in friendly competition with late-night games. Additionally, Alex is a passionate fan of movies and both collegiate and professional sporting events.

Alina has worked in the financial industry since 2012. She holds a bachelor’s degree in Finance from St. Cloud State University. She is currently attending the University of North Dakota to pursue Master’s of Business Administration degree. She is very detail oriented and organized. She strives to provide the best client experience to help them succeed with their goals.

Alina lives in Devils Lake, North Dakota with her husband, Joseph, and their two kids. She loves to travel, hike, and camp with her family. In her spare time, she enjoys exercising and playing board games.

Tim is responsible for developing and implementing planning strategies customized to fit each of his client’s profiles.  Planning strategies include but are not limited to; retirement planning, tax planning, estate planning, wealth planning, and exit planning for business owners. Tim can accommodate both individual/personal and business owner’s needs.

Tim has a Bachelor of Finance and Mathematics, MBA with distinction and emphasis in Finance, CEPA (Certified Exit Planning Advisor). He has over 23 years in the financial services industry.  He works very closely with other professionals in the field i.e. Accountants, Attorneys, and Bankers for the benefit of mutual clients. Tim’s past experience and his CEPA designation help him to assist business owners in their planning needs whether the client is opening a business, growing a business, or exiting a business.  Tim is there to advise and direct.

Tim’s business models are:

1.      His clients come first. Whether it is to make them money, save them money, provide confidence or a combination of all three, he is there.
2.      The Golden Rule: Treat others the way you want to be treated yourself.
3.      Work hard, look out for people, and good things will happen for all.

Tim resides in the Brainerd lakes area with his wife Jen of 20 years, and their 3 children Alex, Aiden and Audrey.  When he is not running the “kids uber”, he enjoys, golfing, exercising, gardening and all the other activities the Lakes Area has to offer.

Pam has been in the financial industry for over 30 years. She takes great pride in her work, and her goal is to foster trust with clients as she provides them with the service they expect and need. She always aims to get back to clients at a reasonable time and to help them achieve their goals.

When not in the office, Pam can be found boating, ATVing, traveling and gardening. She also enjoys spending time with her husband, their five kids and many grandchildren.

Kraig Rowekamp has 25 years of experience in the financial industry. He will offer unbiased financial advice based solely on his client’s situation.  The client’s interests come first and by serving them well everyone succeeds.

Kraig’s areas of expertise:

• Retirement Planning
• Personal Finance Planning
• Brokerage Service
• Small Business Retirement Planning

He will create a personalized wealth plan based on his client’s unique situation, attitudes, preferences and goals. 

Kraig has a Bachelor’s Degree in Business Administration with a concentration in Finance, Accounting, Marketing and Management. He has his Series 7, 63 and 66 Securities Licenses.

Kraig was born and raised in North Dakota.  He resides in Grand Forks with his wife, Dani.  They have 3 children, Karter, Chloe and Reis.  In his free time he enjoys going to the lake and spending time with his family.

As a Registered Client Associate, Angie works with clients by supporting their day to day financial needs.  Angie is organized, efficient and enjoys getting to know our clients.   She has been working in the financial services industry since 2014. 

Angie holds a bachelor’s degree in Business Administration from University of North Dakota.  She also has Series 7 & 66 securities licenses as well as health, life, and annuity professional licenses.   

Angie lives in Grand Forks with her husband and three children.  She enjoys spending time with her family and friends.

Ann has a gift for connecting with people.  She has worked diligently since 2005 to provide investment planning for her clients with an empowering and educational approach.  Ann is focused on wealth protection and financial guidance that ultimately helps clients navigate the hurdles of life while building and maintaining financial stability, retirement, and estate solutions. 

Ann’s Commitment to Clients

• I am committed to thoroughly listening to and understanding your unique situation before providing recommendations.

• Collaborate with your preferred CPA’s, attorneys, insurance agents and banks, fostering a team approach to ensure your plan is tailored to your goals.

• I continuously develop, review and adjust plan strategies in alignment with your evolving goals and needs.

Areas of Expertise

• Comprehensive Individual Investment Planning: Ann excels in crafting personalized investment plans that encompass health, life, long-term care, and Medicare solutions.  Her in-depth understanding of these facets help ensure clients receive tailored strategies to meet their unique financial goals and secure their futures.

• Strategic Business and Non-Profit Investment Management: Ann possesses a wealth of knowledge in the realm of investment management, specifically catering to businesses, non-profit organizations, and various entities.  She specializes in developing investment strategies, facilitating growth and development, devising effective exit strategies, and offering solutions for retirement plans that align with the distinct needs of these enterprises.

Ann received her bachelor’s degree from the University of North Dakota and holds Series 6, 63, 66 and 7 Securities Licenses as well as Life, Health, and Annuity licenses.

Outside of Work, Ann resides in Grafton, ND with her husband, Chris.  They have 2 fiercely independent daughters, Elizabeth & Molly, who bring light to each day.

Ann & Chris are not only dedicated to their family, but also deeply committed to creating a positive impact with their rural community.  In their leisure time, Ann and Chris find joy spending time with family and friends, traveling, cooking, playing pickleball and endless bike rides. 

Message from Ann-

My transition to private practice was intentional as it finally allows me to tailor unbiased advice so it will always be in the best interest of the clients, businesses and organizations that I serve.  I have chosen integrity over sales quotas and incentives, while raising the bar on quality of service and keeping clients focused on a meaningful and purposeful plan.

Joy is a dedicated and detail-oriented client associate who brings a wealth of knowledge and support to Capstone Financial Group’s clients.  She has worked in the financial industry since 2014.  With a passion for building strong client relationships, she excels in understanding clients’ needs and ensuring their satisfaction.

Combining excellent communication skills with a deep attention to detail, Joy is an invaluable asset to both clients and Capstone Financial Group. 

Joy spends her free time with family and friends, attending concerts, baking and gardening.  She resides in Fordville, ND.

Jeff is a Senior Financial Advisor and Managing Director based in Fargo, ND, with a rich background spanning over 15 years in the financial services industry. Since embarking on his journey in 2007, Jeff has excelled in various capacities, honing his expertise and commitment to helping clients secure their financial futures.

Jeff holds a bachelor's degree from the University of Jamestown and boasts an impressive array of credentials, including Series 7, 63, and 65 securities registrations, alongside life and health insurance licenses. His comprehensive skill set enables him to provide tailored financial solutions to meet the unique needs of his diverse clientele.

Passionate about empowering individuals to achieve their financial goals, Jeff specializes in investment planning strategies, retirement plans, and personalized investment planning solutions. His dedication to client success is evident in his proactive approach and unwavering commitment to delivering exceptional service.

Originally hailing from Hillsboro, ND, Jeff now calls Fargo home, where he resides with his wife, Ericka, and their two children. Beyond his professional endeavors, Jeff enjoys exploring the outdoors and cherishing quality moments with his family. An avid golfer, he also relishes the opportunity to connect with colleagues on the golf course whenever time permits. The most important things to Jeff are faith, family, fellowship & friends.

Maren brings a wealth of experience and expertise to her role serving the Fargo, Moorhead, West Fargo, Casselton, Lisbon, and surrounding areas. With a career spanning finance since 2018, she has navigated various roles within the banking industry before transitioning to specialize in investments in 2021.

Passionate about forging strong relationships and adept at problem-solving, Maren is dedicated to delivering a seamless experience for her clients, guiding them through life's pivotal moments with assurance and care.

A proud resident of Fargo with roots in Hawley, Maren is an alumna of the University of Minnesota Duluth, holding Bachelor of Business Administration degrees in Finance and Marketing. Her alma mater's spirit, embodied in the rallying cry of "Go Bulldogs!", resonates deeply with her.

Outside of work, Maren is actively engaged in the community, particularly as a mentor with BIO Girls in Fargo, where she finds fulfillment in empowering and guiding young women. When she's not in the office or giving back, you can find Maren soaking up the joys of lakeside living with friends and family during the summer or embarking on new travel adventures.