The WealthCare Team  (10/16)



 Chad Middendorf  (Owner)


Chad joined the WealthCare Financial Services Team in 2003. He comes to WealthCare with 20 years of experience as a corporate controller for a large manufacturing firm. Chad did everything from Human Resources, Dispatch and Delivery, and accounting work. He developed many of the inventory control programs and cost accounting programs used by the firm. Chad purchased the company in 2007.

Chad has lived in Cold Spring since 1993. He and his family have been lifelong residents of Stearns County. Chad, like his wife, grew up on a dairy farm in western Stearns County. It is that up-bringing that gives Chad his strong sense of ethics and also his work habits.

Chad is very involved with the local community. He has served with the local Cub Scouts for 7 years. He is currently involved with the Cold Spring Maennerchor, where he has served on the Board of Directors. He also serves as Trustee for Assumption Home in Cold Spring. He has served on the Building Committees for the Assumption Campus in Cold Spring and he also serves on the Board of Directors for the Central Minnesota Credit Union.

What Chad likes most about life is his family. Chad has three children and they are what keeps him going . As they turn into well balanced and contributing young adults, his suspenders swell.

Chad is an Investment Advisor Representative of Voya Financial Advisors, Member SIPC. He holds series 7 & 66 registrations and is licensed as an Insurance agent in Minnesota.

If you have any Investment or Insurance questions, do not be afraid to give Chad a call and he’ll be glad to help you find your answers.

 Jill Thelen  (Insurance Specialist)


Jill joined the WealthCare team in January of 2004. Jill handles the insurance sales and services at WealthCare. With over 20 years of insurance experience, Jill has the knowledge and understanding to help you with all your insurance needs including Auto, Home, Health, Disability, Long Term Care, Medicare Part D, Farm, Crop, Commercial General Liability and Work Comp.

WealthCare is appointed with several insurance companies including Melrose Mutual, Grinnell, Western National, Progressive, Blue Cross, Medica, Health Partners, Illinois Mutual and NAU Country. With a variety of options to choose from, Jill can find a policy that is the right fit for you, your family, and your business.

Jill and her family live on a hobby farm between Richmond and Farming. They enjoy raising steers, chickens, bees and pumpkins. Jill and her husband Pete also enjoy playing volleyball. You may also see them with their 3 daughters at one of their many school, sport and church activities.

 Jon Gaebel  (Tax Specialist)


Jon, who earned his accounting degree at St Cloud state, joined the WealthCare team full-time in March of 2013. Before joining WealthCare Jon held positions in Human Resources and Payroll for over 5 years. His introduction to taxes came in 2011 when Jon started working part-time at WealthCare to keep the tax returns moving and completed in a timely fashion. In November of 2015 Jon obtained his IRS Enrolled Agent License and can help with any current or past tax concerns or issues that our clients may have.

Jon is married to Rachael and they have two young children that they love to spend time with. When Jon is not spending time with his family he enjoys playing ball. Jon not only plays amateur baseball for a local Stearns County team, but he also finds time to play softball, kickball, football, and basketball throughout the year. However, when tax season comes around he is happy to cut those activities to concentrate on taxes. Softball and baseball start in late April just as the tax season is winding down, so the timing works perfectly for Jon, who greatly appreciates the support he receives from his wife Rachael.

 Keith Hinkemeyer, CMA  (Bookkeeping Specialists)


Keith joined the WealthCare team in December of 2015. Keith’s primary role is to assist business clients with their bookkeeping and accounting needs. During the tax season Keith also assists the office with the processing and electronic filing of our clients’ tax returns.

Keith has a BS in Accounting degree which he earned at St Cloud State University. Keith’s career path has included payroll manager at Fingerhut Companies, inventory controller at Antigua Sportswear, sales audit manager at Wilsons Leather, and financial systems administrator at Stearns County. Keith has experience in the areas of financial reporting, budgeting and forecasting, the development, documentation, and maintenance of internal controls, the query and analysis of database information, unclaimed property reporting, credit card receivables and discounts, governmental accounting, and lease vs buy discounted cash flow analysis.

Keith has lived most of his life in rural central Minnesota. He has been married to his wife Brenda since 1982. They have two adult children, three siberians and two cats. Keith enjoys fishing for all types of fish all year round. But his passion is the pursuit of smallmouth bass on the Mississippi river and big northern pike in northwest Manitoba.

 Linda Koltes  (Payroll Specialist)


Linda joined the WealthCare team in June of 2017.

Linda comes to WealthCare from another St. Cloud area accounting firm. Her primary function at WealthCare is to provide payroll services for our clients and to file the corresponding payroll tax returns. Linda is also currently pursuing a Business Management and Accounting degree at the St. Cloud Technical and Community College. Some of our clients may recognize Linda. Before she decided to make a career change and return to school, from 2008 through 2016 Linda was the owner-operator of the Central Livestock Café in Albany.

Linda and her husband Tim live south of Avon. They are involved in activities to support their two high school aged children, and two adult children. Attending college and working does not leave much free time, but when the opportunity is available Linda loves to cook, garden, and play with family and friends.

 Nancy Theis  (Office Administrator)


Nancy joined our team in 2007. She is the person most likely to greet you as you enter WealthCare's Cold Spring office or when you call to make an appointment. She is always ready with a quick smile and a friendly 'hello'.

Nancy assists with the daily process of pushing the paperwork in the office and is licensed in Life, Health, Property and Casualty Insurance. WealthCare is appointed with several insurance companies including Melrose Mutual, Grinnell, Western National, Progressive, Blue Cross, Medica, Health Partners, Illinois Mutual and NAU Country. With a variety of options to choose from, Nancy can find a policy that is the right fit for you, your family, and your business.

When not at work, Nancy spends her spare time quilting with several projects always on the horizon. She and her husband Mike have four daughters, all grown and building lives of their own. Her grandchildren hold a special place in her heart as her family continues to grow.

 Nathan Goebel  (Financial Assistant)


Nathan joined the WealthCare team in February of 2017 while attending college.  He earned his Bachelors of Science in Finance degree from St. Cloud State University in May of 2017.  Before joining WealthCare Nathan had already acquired two years of insurance and financial planning experience.

Nathan grew up on a dairy farm south of Freeport, MN with three brothers and three sisters.  Growing up on a farm helped Nathan realize the importance of hard work.

When Nathan isn’t working you can find him computing the time value of money using his financial calculator or searching for new investment opportunities for our clients.

Nathan is currently licensed in life, health and accident insurance. He is studying for the Series 7 and Series 66 FINRA exams. Upon passing these exams Nathan can apply to be registered as an Investment Advisor Representative.

 Vicki Jungels  (Office Assistant)


Vicki has been a member of the WealthCare team since 2001. Vicki is in the office full-time during the tax season and part-time throughout the rest of the year. She helps with tax return processing and anything else that needs to be done. So you may hear her voice when you call.

Vicki has a B.S. degree in Business Management from St. Cloud State University and many years of experience in office work. Vicki was an administrative assistant at Cold Spring Granite before becoming a stay at home Mom in 1996. She enjoys her time at home with her 3 children. So the ability to work full-time for 4 months or so out of the year is very appealing to her, and, of course, to us as we make our way through each tax season. Vicki continues to work one day a week during the rest of the year to stay connected with everything going on with WealthCare's clients.

Vicki likes to read, garden, travel, work on home improvement projects and spend time with her family and friends.