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333 Washington Ave N
Ste 300
Minneapolis, MN 55401
Phone: (612) 387-1226
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Personal Cash Flow Spreadsheet

The link above is our Personal Cash Flow
Spreadsheet tool to analyze your current personal
finance situation.  Our goal is for you to look at
your personal finances the same way a business
would look at theirs.  There are financial ratios
provided that are typically good measures of an
individual's finances.  These Ratios are just
guidelines and should be used as such.  Everyone's
personal finance situation is unique, therefore, our
general guidelines are more of an art then science.
Debt Reduction Spreadsheet

The link above is our Debt Reduction Spreadsheet
tool to analyze what debts to pay off first and how
to pay them effectively.  The schedule is just a
guideline and should be used as such.  Everyone's
personal debt situation is different.
Sample Municipal
Bond
Portfolio
SMTFX
PRTAX
STSMX
MITFX
NOTEX
The information and any opinions contained in this website are unlicensed and non-registered finance opinion and are intended solely for information purposes and is
not to be construed, under any circumstances by implication or otherwise, as an offer to sell or a solicitation to buy or trade any securities or investments
whatsoever. The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such
distribution or use would be contrary to law or regulation.
Information is obtained from sources believed to be reliable but in no way guaranteed. The materials are provided for informational assistance purpose only, and no
representation or warranty of any kind regarding specific or general benefits, monetary or otherwise, was, has been, or will be made, or should be deemed to have
been made by the authors of the materials, including, Hedlof Capital, and/or its principals, agents, employees, and their respective affiliated companies. The user
acknowledges that neither the Materials nor the Principals are responsible for the user's financial planning success or failure, for the user's acts or omissions, or
the appropriateness of the user's business or financial decisions or undertakings.  Hedlof Capital has used its best efforts to obtain the most accurate and timely
information available, all of which are complex and subject to rapid change. Accordingly, we do not guarantee the accuracy, timeliness, reliability or completeness
of any of the information contained on, downloaded or accessed from this website.
No guarantee of any kind is implied or possible where projections of future conditions are attempted. Investments, futures, options and securities trading are not a
suitable investment for all investors and involves the risk of loss. Past results are no indication of future performance. It should be noted that no method of
trading or investing is foolproof or without difficulty. Some investments are leveraged investment and because only a percent of a contract's value is required to
trade, it is possible to lose more than the amount of money initially deposited for a specific position. Therefore, investors should only use funds that they can afford
to lose without affecting their lifestyle. Only a portion of their funds should be directed to any one investment because an investor cannot expect to profit on every
trade.
To the maximum extent permitted by law, Hedlof Capital shall not be responsible for any losses or damages whatsoever, whether in contract, tort (including
negligence) or otherwise arising out of or related to your use of this website.
These results are based on simulated or hypothetical performance results that have certain inherent limitations. Unlike the results shown in an actual performance
record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have
under-or-over-compensated for the impact, if any, of certain market factors. Simulated or hypothetical trading programs in general are also subject to the fact that
they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve investment gains or losses similar to these
being shown.
You may not copy or display for redistribution to third parties for commercial purposes any portion of content without the prior written permission of Hedlof Capital.