Lake Central Insurance Services and Lake Central Investments: Small enough to know you, big enough to serve you


Insurance agent Paul Manuel (right) and financial advisor John Volden (left) invite area residents to visit Lake Central Insurance Services and Lake Central Investments, convenienty located in downtown Maple Lake on the corner of Birch Ave. and Division St.

Manuel and Volden describe Lake Central Insurance Services and Lake Central Investments as a “one-stop shop for asset protection and wealth management.”

Anna Pribyl is a valued member of Lake Central’s insurance staff. (Photos by Katie Friedman)
Offering professional services with a personal touch, insurance agent Paul Manuel and financial advisor John Volden invite area residents to visit Lake Central Insurance Services and Lake Central Investments, which they described as a “one-stop shop for asset protection and wealth management.”
 
“We are two separate companies, operating out of the same office,” Volden explained. “We both work to protect your assets – whether they be cash assets or physical assets.”
 
Experienced advisors
 
With Volden at its helm, Lake Central Investments provides a broad spectrum of investment products, ranging from individual retirement accounts (IRAs) and certificates of deposit to stocks, mutual funds and more. Additionally, Volden said, Lake Central Investments can provide direction on when to use Roth or traditional IRAs, financial and estate planning or 401(k) rollovers and distributions.
 
For example, he said, “It’s IRA season. People should take advantage of that and make sure they make their contributions to their IRA. There’s a window of time here where you can take advantage of both tax-year 2014 and 2015. If you haven’t already made your 2014 contribution, you have until April 15th to do so. Because we are in calendar year 2015, you’re eligible to contribute for this year, also.”
 
Another topical item that falls under Volden’s expertise is the 401(k) rollover. 
 
“If someone has left a company and deserted a retirement plan – something we call an ‘orphaned account’ – they would be eligible to roll that account into an IRA,” he explained. “The advantage of an IRA is that you have more control of your investment products. It opens up investment options and allows you to consolidate retirement plans.”
 
Licensed for over 30 years, Volden has worked for both large and small financial service firms, and has lived in the area for 18 years. Partnered with Cetera Investment Services, a broker-dealer in St. Cloud, Volden says, “They have high-quality, Midwestern values.”
 
Customized options
 
As for your insurance needs, Manuel says Lake Central Insurance Services offers basically every type of insurance, including property/casualty coverage for your home, auto or toys. He offers all varieties of commercial insurance, as well as life insurance and health insurance for individuals or businesses, and his agents are Medicare and MNsure certified, as well.
 
“If you have an insurance need,” Manuel said, “we have an outlet for it.”
 
As an independent agency, Lake Central represents more than 20 highly-regarded insurance companies, commanding the variety of resources necessary to build an insurance program that works for each individual customer.
 
“I like to tell prospects, give us your information and let us do the shopping for you,” he said. “We’ll find the best value for your unique insurance needs.”
 
Lake Central Insurance Services serves the insurance needs of more than 2,500 individuals, families and businesses in the local area from offices in Maple Lake, Annandale and Clearwater.  Born and raised in Maple Lake, Manuel is honored to help meet those needs, and said he considers his upbringing in Maple Lake, along with Lake Central’s location in downtown Maple Lake, “a natural fit.”
 
Personal attention 
 
To meet the ever-changing financial needs of its customers, Lake Central Financial, Inc. was established by Annandale State Bank in 2009, and Lake Central Investments was launched in September 2011. Annandale State Agency, Security State Agency of Maple Lake and Clearwater State Agency were consolidated and rebranded as Lake Central Insurance Services in January 2012.
 
“We wanted to have a common name in each community,” Manuel explained. 
 
Volden maintains his office in Annandale, and is available by appointment in Maple Lake and Clearwater.  Manuel typically travels between the Maple Lake and Annandale offices. The three offices are fully staffed with insurance professionals every day. Krista Wurm, who specializes in personal lines, has worked in the Maple Lake insurance office approaching 25 years. Anna Pribyl, who joined the staff in early 2013, is licensed in property/casualty and life/health, and handles all types of personal lines insurance as well as commercial insurances. She, too, is Medicare and MNsure certified and is knowledgeable in all health insurance lines. Pete Edmonson manages the Clearwater insurance office.
 
Volden and Manuel like to say, “Lake Central is small enough to know you, and big enough to serve you.”
 
“The point is,” Manuel said, “we pride ourselves on our customer service. If you call us and we’re with a client, leave a voice-mail. We’ll get back to you, typically within the hour. 
 
“We are in the relationship business, and customer service is our top priority,” he explained. “It’s the philosophy I’ve lived by since I worked in my parents’ grocery store, Andy’s Red Owl, while growing up. In a competitive world, we strive to exceed our clients’ expectations every day.”
 
Lake Central Insurance Services and Lake Central Investments can be found at 10 Birch Ave. S. in Maple Lake. For more information, call 320-963-3163 or visit www.mylakecentral.com.
 
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