Ryne Bessmer

Personal Finance, Retirement, Investing
“Ryne Bessmer, Financial Advisor with Karstens Investment Counsel, is dedicated to building a mutual trust and understanding in each of his client relationships.”

Karstens Investment Counsel, Inc.

Job Title:

Financial Advisor


Ryne joined Karstens Investment Counsel in 2016. He has worked in the field of Investments and Finance since 2011 and has experience ranging from large institutional firms to individual wealth management. He received his degree in Financial Management from Hillsdale College in Michigan, where he also studied Economics and History. Ryne is very involved in the community. He serves on the Board for Angels Among Us, a local Non-Profit for children suffering with cancer. He is also on the Advisory Board for First State Bank. In addition, he is the President of Young Catholic Professionals. Ryne lives in Omaha, Nebraska. His only claim to fame is that he was named after a notable Chicago Cubs player, Ryne Sandberg.

At Karstens Investment Counsel (KIC), Ryne and his team recognize that each investor is unique and therefore each investment plan should also be unique. Their recommendations are tailored to each client’s long-term goals and objectives, risk tolerance, need for cash flow, and tax situation. Their clients are the first priority.

Ryne believes that a client is best served by utilizing a single advisor who is aware of, and takes into account, the entirety of that client’s financial situation. At KIC, Ryne acts as  client's Chief Financial Officer. As personal CFO, it is his job to help his clients manage their financial complexities, from investments to tax planning, insurance needs to retirement planning, and estate planning and beyond.


BS, Financial Management, Hillsdale College

Fee Structure:


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December 2016
    Financial Planning, Personal Finance
January 2017

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    Debt, 401(k), Real Estate
Should I withdraw money from my 401(k) to pay off a loan, so I can proceed with obtaining a mortgage?
100% of people found this answer helpful

Unfortunately, it sounds like the house you are looking at buying is a bit outside your range of affordability. While technically you could withdrawal money from your 401(k) or borrow against it, you should not in this scenario. I would recommend that you continue to keep your lifestyle at a modest level until you can afford a healthy down payment for your home, without sacrificing your emergency fund. Too many people enter a situation like yours because their emotional attachment to a home drives them to purchase too much house too quickly and it can put unneeded strains on them in the future, such as the need to replace a furnace, or some other large home expense. Save yourself the hassle and keep renting so you can pay down debt and establish an emergency fund with 6-12 months of expenses. I promise you will thank yourself in 10-15 years.

December 2016
    Career / Compensation
What major is required or recommended to be an investment banker?
100% of people found this answer helpful
January 2017
    Retirement, Estate Planning, Choosing an Advisor
How can I find a qualified advisor to provide me with retirement, tax, and estate advice without having to pay a percentage of my assets?
100% of people found this answer helpful
December 2016
    Retirement Savings, 401(k), IRAs
How can I save if I already maxed out my 401(k) and IRA?
100% of people found this answer helpful
December 2016
Can I re-gift a stock?
100% of people found this answer helpful
December 2016