Mike Kojonen

Principal Preservation Services
Woodbury, MN | NEW Hudson, WI

Mike Kojonen is the founder/owner of Principal Preservation Services LLC, with offices in Woodbury, MN and Hudson, WI. He has been in the financial services industry since 2002 helping clients in budgeting and finance, but now solely focuses on helping pre-retirees/retirees with necessary retirement planning.

Mike’s mission is for his clients to be able to achieve their goals by having a solvent retirement plan and to live retirement the way they dreamed of. Mike is able to do this by implementing strategies that are simple to understand, but hardly talked about or utilized in the industry. However, the relationship Mike holds with his clients isn’t just about the strategies or the plan he implements with them, he has a true desire to earn the trust of all his clients. Building a foundation based on integrity, honesty and consistency is extremely important to Mike. This helps ensure an open communication environment for his clients so that they are educated and understand what their retirement will really look like.

Download my chapter “Myth: The Stock Market Will Always Outperform a Fixed Index Annuity” from the Best-Selling book Momma’s Secret Recipe for Retirement Success!

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Contact Mike

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latest articles

  • Ep 46: Figuring Out Finances After the Death of a Spouse

    It’s a topic no one likes to think about. Would you be OK financially if your spouse passed away? Find out how to prepare financially for a worst-case scenario like this and what common mistakes people make.

  • Ep 45: Avoid These Classic Pre-Retiree Mistakes

    We see it all the time. People approach retirement and make these classic mistakes, cost-ing them time and money. Find out how to avoid these common blunders and set yourself up for financial success.

  • Ep 44: Applying Mark Twain Quotes to Finance

    Mark Twain is considered one of the greatest writers in American history and many of the things he wrote and said are still very applicable more than 100 years later. To celebrate his humor and wisdom, we pulled some of his best quotes and applied them to financial planning.

  • Ep 43: Saying One Thing But Doing Another

    When it comes to investing, do your actions line up with your goals? It’s easy to talk about what you want to accomplish but are you taking the proper steps to make progress towards those things? Let’s talk about the ways in which people will say one thing about their finances but do another.

  • Ep 42: Traditional or Roth IRA?

    Despite the popularity of IRAs, there seems to be quite a bit of confusion between the traditional options and the Roth. What’s the difference between the two and where should you be contributing your money? Today we’ll answer those questions and help you better understand your investing options.

  • Ep 41: Lessons From Keyboard Warriors

    We were playing the dangerous game of perusing the comments section of a recent article about COVID-19 and the impacts on retirees and how much money you’ll need to retire going forward. The trip into the comments section is always a mixed bag of trolling, inaccuracies, and sometimes surprisingly helpful insight from what we’ve come to describe as “Keyboard Warriors.” So, let’s look at some of the sentiments found under this recent article and see if they resonate with how others truly see the financial world, retirement, and how to best prepare for it all.

  • Ep 40: Are You Giving Your Biggest Assets Enough Attention?

    If you really took inventory of your financial situation, you might find that you’ve been taking for granted some assets that make up a huge piece of your puzzle. Is it possible you should be putting a little more thought into some of these assets? We’ll tell you why on today’s episode.

  • Important Insurance Issues to Discuss in a Divorce

    “I’m getting a divorce.” When one hears that statement, the first thought that frequently comes to mind is prepare for an emotional roller coaster and all the expenses that come with it. Every divorce is emotionally and financially challenging when considering all the time and effort poured into a marriage, from shared love and memories to invested [...]

  • Ep 39: Hidden Gems in Your Financial Portfolio

    If you’re like most people, you have old financial accounts that you haven’t looked at it recently and the statements are filed away collecting dust. You might not think much of them, but those accounts might be hidden gems for your portfolio if used in a different way. Let’s talk about where you should look and what you could gain out of these old investments.

  • Ep 38: Should You Follow Dave Ramsey’s Financial Advice?

    Should you follow Dave Ramsey and his baby steps to financial success? On this episode of the Retirement Reality Podcast, Mike takes a critical approach to help you determine if Dave’s advice is right for everyone.