Douglas L. Ritter - Red Wing, MN

Matthew R. Hardyman - Red Wing and Rochester, MN

Timothy J. Kelly - Red Wing, MN

Steven D. Lorenz - Lakeville, MN

Philip N. Kluge - Amery, WI

Robert Ziller - Byron, MN

Michael Lallas - Brooklyn Park, MN

Douglas L. Ritter, CFP®
President and CEO

Doug is President and CEO of Discovery Financial Centers, Inc. and an Investment Adviser Representative with ING Financial Partners, Inc. where he is responsible for the overall management of the firm.  He focuses his attention on investment management of personal and retirement assets, estate planning, and the development of personal financial strategies.

Doug graduated from the University of Minnesota with a Bachelors Degree in Accounting.  He is a Certified Financial Planner® and member of the Financial Planning Association.  He previously served as chief financial officer of a leading community banking organization. Doug is a member of the American Institute of CPA’s and was formerly associated with a major international accounting firm as a senior manager. 

Doug is very active in the community and has served in leadership positions for a variety of organizations including the Red Wing Family YMCA, Red Wing Area Chamber of Commerce, Sheldon Theatre and the Church of St. Joseph. 

Doug and his wife, Mona, have four children and reside in Red Wing.

You can contact Doug directly at: dritter@discoveryfinancial.net

Matthew R. Hardyman
Vice President

Matt is Vice President of Discovery Financial Centers, Inc. and an Investment Adviser Representative with ING Financial Partners, Inc.  Matt has been in the insurance and investment industry since 1992.  He joined Discovery Financial Centers in 1994 and became a Partner with the firm in January 1999.  He teaches Financial Strategies for Successful Retirement courses in Rochester and Red Wing plus worksite seminars at several local companies.  Matt focuses on the development of personal financial strategies and corporate group retirement plans.

A graduate of the University of   St. Thomas, Matt received a Bachelors Degree in Finance.  He is a Registered Representative and Investment Adviser Representative of ING Financial Partners, Inc. having obtained his Series 6, 7, 63 and 65 securities registrations. Matt is a member of the National Association of Life Underwriters, and is active in the Life Underwriters Training Council Fellows Program.

Matt is a life-long resident of the area.  He and his wife, Tracy, have three children and reside in Red Wing.

You can contact Matt directly at: mhardyman@discoveryfinancial.net

Timothy J. Kelly
Vice President

Tim is Vice President of Discovery Financial Centers, Inc. and an Investment Adviser Representative with ING Financial Partners, Inc.  Tim has been with Discovery Financial Centers since 1996 and a Partner in the firm since January 1999. Tim focuses on the development of personal financial strategies and corporate group retirement plans. He has taught financial seminar courses in Red Wing and western Wisconsin plus worksite seminars for several Metro companies. 

Tim is a graduate of Minnesota State University with a Bachelors Degree in Marketing, Management and Industrial Relations including a minor in Economics. He holds his Series 6, 7, 63 and 65 securities registrations. 

Tim is very active in the community. He has served or is currently serving on several boards including the Red Wing School Board, Kiwanis, local church and youth sports associations. He also volunteers his time as a youth football, basketball and baseball coach. Tim is a volunteer at the YMCA and the United Way. 

He and his wife, Susan, have four children and live in Red Wing.

You can contact Tim directly at: tkelly@discoveryfinancial.net

Steven D. Lorenz, CLU, ChFC
Investment Adviser Representative

20730 Holyoke Avenue #26
Lakeville, MN  55044
(952) 469-4633

Steve has been in the financial services industry since 1981.  He recently merged his practice with Discovery Financial and is continuing his work as an Investment Adviser Representative with ING Financial Partners, Inc. and presents seminars for the South Metro area.

 Steve graduated from Golden Gate University with a Bachelor’s Degree in Business Management.  He is also a ChFC (Chartered Financial Consultant) and a CLU (Chartered Life Underwriter); both designations granted by the American College, Bryn Mawr, PA.

He is active in his community having served as past President and Board member of the St. Paul Society of Financial Service Professionals, member of the Optimist Club of Apple Valley and the Lakeville Chamber of Commerce.

Steve and his wife, Julie have four children and reside in Apple Valley.

You can contact Steve directly at: steven.lorenz@ingfp.com

Philip N. Kluge
Investment Adviser Representative

115 Keller Avenue North
Amery, WI  54001
(715) 268-7832

Phil entered the life and health insurance business in 1973 while stationed in Indianapolis, Indiana serving in the US Army.  After completion of his army duty, he returned to northwestern Wisconsin where he grew up and settled in Amery, WI working for a large fraternal life insurance organization.

During the 1980's Phil became more interested in investments and financial planning for his clients.  Since 1988 Phil has sold investments through the same company, which today is known as ING Financial Partners, Inc.  Phil is now an Investment Adviser Representative with ING Financial Partners, Inc.

Outside of the financial planning business, Phil has been president of the Amery Lions Club and president of the Indianhead Life Underwriters Association.  Phil has also been active in church activities.

Phil has also been known to enjoy the golf course during the summer time and deer hunting during the fall.

You can contact Phil directly at: Philip.Kluge@ingfp.com

Robert Ziller
Registered Representative

1142 Country Club Road SE
Byron, MN  55920
(507) 775-6093

Bob has been  a financial professional since 1986 and has been with ING Financial Partners, Inc. since 1994.  Bob works primarily with individuals conducting analysis for their retirement.

Bob graduated from St. John's University with a Bachelors of Science degree in Economics.

Bob and his wife, Nickie, live in Byron with their three children.  Bob is also active in his church and enjoys biking, skiing and reading.

You can contact Bob directly at: robert.ziller@ingfp.com