Superior Financial LLC

Plan, Navigate, Achieve.

Superior Financial LLC - Fee Only Financial Planning in Southeast MN - Retirement planning, education, insurance, tax, estate, debt, investment management

"Without counsel plans fail,
but with many advisers they succeed."
Proverbs 15:22

Peter Melsness, CFP®
Owner, Advisor

Even while working in a variety of public- and private-sector roles for more than a decade, I always had more than a casual interest in personal finance. I found myself studying benefit packages, retirement plans, and investment options—looking for the smartest ways to support my family’s future. Before long, coworkers began asking for help, and I realized how much I enjoyed guiding others through financial decisions that often felt overwhelming.

That growing passion led me to change careers and pursue financial planning professionally. In 2006, I joined a large national financial services firm, where I gained valuable experience and earned my CERTIFIED FINANCIAL PLANNER™ designation.

Over time, I became convinced there was a better way to serve clients—one built on transparency, objectivity, and lower costs. In 2008, I opened my own fee-only Registered Investment Advisor firm with a simple belief: people deserve high-quality, comprehensive advice without hidden incentives or conflicts of interest.

Superior Financial was founded on the principle that good financial advice should be accessible, reasonably priced, and always aligned with the client’s best interest. I’m especially privileged to work with families, professionals, and retirees—helping them clarify what matters most and build practical plans to achieve their goals. The trust my clients place in me is something I never take lightly.

My wife and I live in Rochester, Minnesota, where we raised our four children. Outside of work, I enjoy time with family and friends, staying active in my church and community, and maintaining an active lifestyle through biking, hiking, and travel.

My personal financial philosophy is simple:

Live Healthy.
Give Generously.
Protect you and your loved ones.
Save early and often.
Spend the rest to enjoy life!

EDUCATION and TRAINING

  • Bachelor of Science, Valparaiso University, Valparaiso, IN
  • Masters of Science, Michigan State University, East Lansing, MI
  • Certificate in Financial Planning, College for Financial Planning, Denver, CO

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