About
Horizon Compass Retirement and Wealth
Horizon Compass Retirement and Wealth is a comprehensive financial services firm that helps Minnesota’s soon to be retired and retired residents effectively plan for and prepare for life’s greatest journey.
We understand that retirees face many important decisions that can affect their long-term financial success. Some of these decisions revolve around making investments that will help create a strategy regarding outliving income, the impact of inflation, taxation, and rising healthcare costs. As the majority of our clients are retirees with similar concerns, we’ve had the opportunity to gain the skills and experience necessary to provide the help and insight you need when planning for your future.
Our focus is on helping clients prepare for retirement with greater clarity and confidence. We are committed to guiding our clients through the intricate landscape of retirement income planning, protection, and wealth preservation by identifying and managing risks consistent with your circumstances, objectives, and risk tolerance. With a dedicated emphasis on financial literacy and strategic holistic planning, we strive to assist you in making informed decisions that resonate with your goals.
Our Process
The Six Pillars of Your Financial Future
Six Fundamental Financial Planning Risks
These six key risk factors can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
Horizon Compass Retirement and Wealth
Meet Your Advisor
Gregory L. Petrie CRPC, CSSCS
Financial Advisor
Greg began his career in financial services in 1996, helping families with their insurance needs, and quickly learned of the importance of helping his clients make “fact-based decisions” about their finances. He is steadfast in his belief in the only way to provide his clients the advice they require to make such decisions is by creating a formal financial plan for them that takes all of their financial data, goals, and dreams into consideration. He has built his financial planning practice working with people of all ages and walks of life.
Greg spent most of his youth growing up in the San Francisco Bay Area, then moved with his family to the Brainerd Lakes Area in Minnesota, where he was deeply rooted in the community. After finishing his college education, he moved to the Twin Cities, where he is happy to raise his family, is involved in the community through several volunteer positions, and is very active in his church. When Greg is not working or spending his much-valued time with his family, he can be found on his motorcycle, flying an airplane, and enjoying Minnesota’s great outdoors.
Svetlana Kolesnikova
Office Manager
Svetlana Kolesnikova has been in the financial services industry for the past five years, supporting the operations and client experience of a successful financial practice. Prior to entering the industry, she owned and operated a successful personal training business.
Originally from Moscow, Russia, Svetlana was a member of the Russian aerobics team, placing second in Europe and seventh in the world. She moved to the United States in her early twenties with a strong desire to build a better life and has carried that same determination into everything she has pursued.
Outside of work, Svetlana enjoys spending time outdoors, playing classical piano, and being actively involved in her church and community.
Learn More About
Our Financial Solutions
Income Planning
Through our retirement planning process, we will review your current income situation and evaluate your potential income in retirement. We’ll work with you to develop an income strategy designed to support your anticipated retirement income needs. We’ll help you evaluate your Social Security options based on your individual circumstances. If you have a pension, we will guide you through the available options to help you make an informed choice. We’ll also help you prepare for other considerations, such as the premature death of a spouse, inflation, or taxation.
Wealth Management
We work with you to understand your risk tolerance, financial goals, time horizon, and liquidity needs. As an Investment Advisor Representative working through an independent Registered Investment Advisor, we are not bound to a single proprietary institution, allowing us to select from a broad universe of funds and equities to construct diversified portfolios tailored to your needs. We focus on identifying and managing risks consistent with your individual circumstances, objectives, and risk tolerance.
Tax Planning
Taxes can be one of the single largest expenses in retirement, making tax considerations an important part of financial strategy. At Horizon Compass Retirement and Wealth, we take an integrated approach to financial planning that incorporates tax-aware strategies. We coordinate with your qualified tax professionals to help your overall retirement plan aligns with your broader financial objectives.
Health & Long-Term Care
Choosing a Medicare plan that fits your needs can be a challenging task. Long-term care planning can help protect your financial foundation from unexpected medical expenses as you age. You have many options to choose from, and our specialists are available to help you evaluate plan options so you can make confident decisions aligned with your situation.
Legacy & Estate Planning
We work collaboratively with you and your qualified estate-planning attorney to help identify financial considerations related to your legacy objectives. We can assist in coordinating how your assets align with your overall financial plan to support your family and charitable goals.
*Estate-planning documents and legal advice must be provided by a qualified attorney. Tax matters should be discussed with a qualified tax professional.
Medicare Planning
One of the key considerations in retirement is the impact of healthcare costs and potential coverage gaps. While traditional Medicare provides a foundational level of coverage, it does not cover all expenses, such as deductibles, coinsurance, copayments, or long-term care. We help you identify potential out-of-pocket expenses and evaluate coverage options to help safeguard your retirement financial plan.
Retirement Savings Planning
We evaluate retirement-income and investment strategies in light of your individual objectives, time horizon, liquidity needs, tax considerations, and tolerance for risk. By analyzing your contribution levels and tax-aware strategy options, we work to structure your accounts efficiently to support your long-term financial security and flexibility.
Social Security Analysis
We help you navigate the complexities of Social Security by evaluating various filing strategies and timing options based on your individual circumstances, health, longevity, and overall financial plan. Our goal is to help you analyze potential claiming dates and understand how different strategies align with your retirement objectives.
*Social Security illustrations and analysis are based on individual client assumptions, hypothetical projections, and estimates provided by the Social Security Administration, which are subject to change and do not guarantee specific financial outcomes.
Tax-Efficient Retirement Income Planning
We evaluate strategies designed to manage the tax impact on your retirement distributions, helping you retain more of your retirement assets over time. By utilizing tax-aware investment strategies and account structures, we aim to build an efficient income approach tailored to your lifestyle and financial goals. We work in coordination with your qualified tax professional to ensure all strategies align with current tax regulations.
Register For
Our Educational Events
UPCOMING EVENTS
Our educational events are designed to empower you towards taking the first step of your financial journey.
Register below to join us in finding the path to your optimal retirement.
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Events in October 2026
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Download Our Guides
The Social Security Guide
Optimizing Social Security In Today’s World
Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!
Browse Our Blog
Rethinking the Million-Dollar Retirement Benchmark
If you search for retirement advice online, you’ll often find that $1,000,000 seems to be a recurring target number. But is that a goal you should be saving for, or is it outdated advice? Q: Where did the $1 million retirement benchmark come from? A: Historically, $1 million became the goal when it was popularized alongside the 4% Rule in what is known as the Trinity [...]
Trump Accounts: Building Wealth for the Next Generation
As a parent, you might be looking for ways to provide for your children’s long-term financial goals. You may [...]
How Home Sales Are Taxed: What Every Homeowner Should Know
Selling a home is a significant financial event, and understanding the tax implications can help homeowners protect their profit and [...]
Income Tax vs. Capital Gains Tax: What’s the Difference?
Understanding the difference between income tax and capital gains tax is a key part of smart financial planning. While both [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
