As seen in
Twin Cities Five Star award winner

PROFESSIONAL PROFILE

Joshua Decker, CFP®

Financial Advisor
EFS Advisors
The Decker Group
41 Sherburne Ave
St Paul, MN 55103
Office: 651-292-4895
Cell: 612-940-3587
joshd@efsadvisors.com
www.joshdecker.efsadvisors.com

Professional Approach

Josh has been in the financial services industry since 1995, and joined EFS Advisors in 2000. His passion lies both in educating his clients and guiding them through life's many financial decisions. Most often, Josh finds himself counseling clients within five years of retirement, helping them make the financial transition from working to retired life.

Josh is acutely aware that, even with the best intentions, many people lack the time or knowledge to manage their finances in the way they would like. That's what makes his approach unique; he works to be more than a financial advisor. Specifically, Josh believes in being an advocate for his clients throughout all of life's financial decisions - the big ones, the small ones, and everything in-between.

Josh and his team cater specifically to those in education and individuals looking to be empowered to make decisions they can feel confident about - whether it be investments, retirement, or estate planning. With his extensive experience in the financial services industry and a well-grounded financial planning process, Josh and his team are prepared to help clients address their unique goals and needs for retirement.

Click to access BrokerCheck
*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 3,606 Twin Cities-area wealth managers were considered for the award; 589 (16% of candidates) were named 2020 Five Star Wealth Managers. 2019: 3,504 considered, 671 winners; 2018: 2,622 considered, 591 winners; 2017: 2,304 considered, 836 winners; 2016: 2,083 considered, 854 winners; 2015: 2,673 considered, 825 winners; 2014: 1,931 considered, 844 winners; 2013: 2,151 considered, 863 winners; 2012: 1,256 considered, 624 winners.