If you want to embark on a prosperous financial journey, you need the appropriate guidance and proficiency. Whether it’s retirement planning or investment management, the expertise of a reliable financial advisor can truly make a significant impact.
Within this article, we delve into the realm of finance in Grand Forks, North Dakota, to present a thoughtfully curated list of the best 10 financial advisors in the region. Our selection is the result of meticulous local research, focusing on advisors celebrated for their extensive knowledge, comprehensive range of services, and notable accomplishments.
With these esteemed financial advisors, you can anticipate unique solutions tailored to meet your distinct requirements, empowering you to flourish amidst today’s ever-evolving financial landscape.
Join us as we examine the profiles of these exceptional professionals and explore how their expertise can assist you in confidently and successfully navigating your financial objectives.
Why Do You Need Financial Advice in Grand Forks?
Making sound financial decisions is crucial for achieving your goals. While managing your finances independently may work for some, there are circumstances where hiring a financial advisor can be beneficial.
- Complex Financial Situation: If your finances has become intricate, a financial advisor can help you navigate the complexities. They have the expertise to create a comprehensive financial strategy tailored to your specific circumstances.
- Lack of Time or Expertise: Balancing work, family, and personal commitments can leave little time for managing your finances effectively. A financial advisor can alleviate the burden by handling various financial tasks, such as portfolio management, researching investment options, and staying updated on market trends, allowing you to focus on other priorities.
- Long-Term Goals: Whether it’s saving for retirement, funding your child’s education, or planning for a major life event, a financial advisor can help you develop a roadmap to achieve your long-term goals.
- Investment Guidance: If you’re new to investing or lack confidence in making investment decisions, a financial advisor can guide you. They can assess your risk tolerance, recommend suitable investment options, and ensure your portfolio aligns with your financial objectives.
- Financial Transitions: Significant life events like marriage, divorce, inheritance, or starting a business can bring about complex financial transitions. A financial advisor can offer objective advice during these times, helping you make informed decisions and navigate potential challenges.
In these circumstances, hiring a financial advisor can provide peace of mind and improve your financial outcomes. Consider consulting with a trusted financial advisor to assess your specific needs and explore how their expertise can support your financial journey.
How Can You Accomplish Financial Planning
Crafting an effective financial plan is crucial for long-term financial stability. Consider the following options:
1. Embrace online self-directed platforms
Take control of your financial journey by utilizing online platforms that empower you to oversee your investments independently. This choice often leads to cost savings by eliminating intermediaries involved in transactions.
2. Utilize the expertise of a financial advisor
Just like Grand Forks CPA, engaging a personal financial planner or wealth manager can yield promising outcomes, despite associated expenses. Research suggests that partnering with a financial advisor has the potential to enhance long-term portfolio returns by 1.5% to 4%.
Payment Structures of Grand Forks Financial Advisors
Understanding payment models is essential when choosing a financial advisor in Grand Forks. Here are commonly used fee structures:
Hourly Fee: Clients are billed based on the time dedicated to addressing their financial matters, regardless of their asset value.
Retainer Fee: Financial advisors charge a predetermined fee per month or year, ensuring their availability for advisory services covered by the retainer.
Flat Fees: These fixed fees encompass financial planning and asset management services and are not influenced by the size of the investor’s account.
Commission: Advisors earn a percentage of the funds expended when purchasing high-performing investments, typically assessed per transaction.
Asset Management Fee: Investors pay fees based on the amount they have invested, deducted directly from their accounts.
Which Payment Structure is Best?
Careful consideration of potential conflicts of interest is vital when selecting a payment structure for your financial advisor. Choosing an inappropriate payment structure can have negative effects on your financial well-being.
For optimal outcomes, a commission-based fee structure tends to be more favorable. In this structure, the financial advisor earns a portion of the investment growth, incentivizing them to prioritize your financial success.
It is crucial to select a payment model that aligns with your goals and ensures your advisor’s incentives are aligned with your best interests.
5 Factors When Picking the Right Financial Advisor in Grand Forks
When selecting a financial advisor in Grand Forks, there are several key considerations to keep in mind. These factors will help you make an informed decision and choose an advisor who aligns with your financial goals and priorities.
Qualifications and Credentials
Look for financial advisors who hold relevant qualifications and certifications, such as Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA). These designations indicate a certain level of expertise and adherence to professional standards.
Experience and Track Record
Consider the advisor’s experience and track record. Find out how long they have been practicing as a financial advisor and inquire about their areas of specialization or expertise.
Services Offered
Evaluate the range of services offered by the advisor. Do they provide comprehensive financial planning, investment management, retirement planning, or specialized services? Ensure that the advisor’s offerings align with your specific needs and requirements.
Fiduciary Duty
Inquire whether the financial advisor operates as a fiduciary. A fiduciary has a legal and ethical obligation to act in your best interest. This ensures that the advisor will prioritize your needs rather than their own.
Clientele and Referrals
Consider the advisor’s clientele and seek referrals or testimonials from their existing clients. This can provide insights into their reputation, professionalism, and ability to deliver satisfactory results.
Fee Structure
Understand the financial advisor’s fee structure and compensation model. Some advisors charge a percentage of assets under management, while others have a fee-based or hourly fee structure. Ensure you are comfortable with the fees and understand how they may impact your overall investment returns.
Personal Connection
Schedule an initial consultation or meeting with potential advisors to gauge your personal rapport and communication style. A good working relationship and effective communication are essential for a successful partnership.
By considering these key factors, you can make an informed decision when selecting a financial advisor in Grand Forks who is best suited to help you achieve your financial goals.
10 Best Financial Advisors in Grand Forks, North Dakota
Delve into the best financial advisors in Grand Forks who are committed to guiding you to financial success. With their vast knowledge, expertise, and full commitment to excellent service, the following FAs have built a good reputation for providing sound financial guidance.
1. Northern Plains Financial
Northern Plains Financial operates as an independent firm, dedicated solely to the interests of its clients and equipped with the agility to offer economical solutions. The capable team collaborates with clients to assess their financial history and future aspirations, forging tailored plans while extending unwavering support.
Prepared to navigate challenges, Northern Plains Financial remains steadfast in steering clients toward a purposeful financial future. The website offers comprehensive resources, with a responsive team available for inquiries. The company’s mission revolves around holistic financial planning and investment management, specializing in retirement strategies. Services encompass diverse investment avenues, from stocks, bonds, and mutual funds to retirement accounts and annuities.
The company’s comprehensive financial planning services span retirement, social security, Medicare, estate, insurance, tax planning, college, and budget planning. Their portfolio also includes life, long-term care, and disability income insurance. Northern Plains Financial is dedicated to nurturing the financial well-being of its clients.
Northern Plains Financial
305 South 4th Street
Grand Forks, ND 58201-4708
Phone: 701-314-1166
https://northernplainsfinancial.com/
2. Morgan Stanley – Chad DeTienne, Finanical Advisor
Chad H. DeTienne, CRPC®, CIMA®, holds the esteemed positions of Senior Vice President, Wealth Management, Wealth Advisor, and Portfolio Management Director at Morgan Stanley. His mission is founded on an in-depth comprehension of clients’ priorities, offering top-tier advice, personalized solutions, and the knowledge necessary to streamline financial matters, accomplish objectives, and boost confidence.
DeTienne leads a closely-knit team of seasoned financial experts, boasting diverse skills and insights. This dedicated team is resolute in guiding clients through today’s intricate markets, augmenting family financial security, and nurturing generational wealth for the future.
With services encompassing wealth management, financial and retirement planning, professional portfolio management, trust services, education funding, business succession planning, and more, Chad H. DeTienne and his team stand as stalwarts in providing comprehensive financial solutions.
Morgan Stanley – Chad DeTienne, Financial Advisor
3105 South Washington Ste A
Grand Forks, ND 58201
Phone: (701) 795-7680
advisor.morganstanley.com
3. Erickson Financial Advisors
Erickson Financial Advisors is distinguished by its specialization in wealth management, encompassing wealth accumulation, preservation, and distribution. The firm’s unwavering commitment lies in delivering steadfast service and ongoing comprehensive financial analysis to its diverse clientele.
As an independent entity, Erickson Financial Advisors possesses the flexibility to offer tailored recommendations and investments that align with individual client comfort levels.
Erickson Financial Advisors operates as a full-service wealth management firm dedicated to assisting clients in realizing their financial objectives. The firm extends an extensive array of tools, financial planning, and guidance to individuals and business owners, fostering sound decision-making through practical financial advice.
Its service portfolio includes investment account analysis, diverse retirement plans for individuals and businesses, comprehensive personal and family financial planning, estate planning, higher education savings plans, and life insurance options.
Erickson Financial Advisors
2812 17th Ave S, Ste F
Grand Forks, ND 58201
Phone: 701-772-1681
www.ericksonfinance.com
4. Debbie R. Albert CFP®
Debbie R. Albert, CFP®, CRPC™, CDFA®, APMA™, is a Financial Advisor operating within TruStone Wealth Management, a private wealth advisory practice affiliated with Ameriprise Financial Services, LLC. Beyond finances, Debbie’s primary role centers on her clients and furnishes them with the guidance required to achieve their financial objectives.
Tailoring advice to individual priorities is her cornerstone, offering personalized financial insights that navigate present challenges while steadfastly focusing on future ambitions. Initiating your journey with her is as effortless as engaging in a complimentary initial consultation at your convenience.
Debbie aims to cultivate confidence, connectivity, and control over clients’ financial lives. With 32 years of experience, her expertise spans women’s financial strategies, retirement and investment planning, tax and estate planning, cash flow management, and divorce financial planning. Debbie R. Albert empowers her clients to stride confidently toward their financial aspirations.
Debbie R. Albert CFP®
3425 S Washington St Ste A
Grand Forks, ND 58201-7101
Phone: 701-746-5429
www.ameripriseadvisors.com/debbie.r.albert
5. Bryan E. Brenden
Bryan E. Brenden serves as a dedicated Financial Advisor, proudly collaborating with individuals in the East Grand Forks/Grand Forks communities and their surrounding environs. In close partnership with his branch team, he adheres to a client-centered approach, prioritizing understanding and listening to his client’s goals.
Bryan’s commitment revolves around nurturing enduring partnerships throughout various life stages, enabling clients to achieve their aspirations. With a profound understanding of his clients, he engages in a manner that profoundly impacts their journey toward realizing dreams and goals.
Bryan E. Brenden specializes in wealth strategies, retirement savings, portfolio reviews, retirement income, insurance, and annuities and caters to the needs of entrepreneurs and business owners. He is resolute in his dedication to guiding clients toward financial success.
Bryan E. Brenden
2850 24th Avenue South Suite 202
Grand Forks, ND 58201
Phone: 701-772-6525
www.edwardjones.com/bryan-brenden
6. Brian Fedje, CRPC™
Brian Fedje, CRPC™, recognizes the essential trifecta for adept financial management: time, knowledge, and desire. For those who find themselves lacking in any of these areas, Brian provides the ideal solution.
Leveraging a comprehensive five-step approach, he collaborates closely with clients, offering professional guidance and crafting bespoke strategies to realize unique goals tax-efficiently. Brian maintains a dynamic partnership with clients and their trusted professionals, like CPAs and attorneys, ensuring open communication and regular meetings to ensure progress.
Brian Fedje’s focus extends across various areas, including business retirement plans, college savings, entrepreneurs, divorce finances, military professionals, veterans, and retirement income strategies.
Brian Fedje, CRPC™
424 Demers Avenue
Grand Forks, ND 58201
Phone: (701) 746-1260
www.edwardjones.com/brian-fedje
7. Karli Finney
Karli Finney, CLTC®, BFA™, serves as a dedicated Financial Advisor, equipped with the expertise to guide clients through the intricate landscape of retirement planning. Specializing in retirement income, her team employs a comprehensive four-step process to seamlessly transition clients from their working years into retirement, adeptly navigating the challenges along the way.
With each team member contributing unique experiences and skills, personalized plans are designed in alignment with the client’s values and aspirations. This community-driven approach extends to helping clients realize their ideal retirement. Karli’s industry experience of over a decade, combined with her commitment to hometown communities, fuels her dedication to building trust and fostering client relationships.
Karli’s versatility includes licensing with Blue Cross Blue Shield of MN, offering group and individual health insurance plans, and Medicare supplements. The services cover retirement savings accounts, life insurance, mutual funds, annuities, financial guidance, charitable giving solutions, traditional and Roth IRAs, investments, and health insurance assessment.
Karli Finney
3535 31st St S, Ste #102
Grand Forks, ND 58201
Phone: (701) 757-3155
connect.thrivent.com/karli-finney
8. Ross P. Johnson, CRPC™
Ross P. Johnson, CRPC™, is a dedicated Financial Advisor who has established an inviting office environment in Grand Forks. He prioritizes understanding his client’s values and priorities concerning retirement savings, education funding, estate planning, insurance, and other financial needs.
By grasping his clients’ priorities, Ross implements a well-defined process to craft personalized strategies. This strategy forms the foundation for a lifelong partnership, as he collaborates with clients to ensure their goals stay on course.
Ross is actively accepting new clients, catering to business owners, families, and individuals in the Greater Grand Forks area. His focus extends to new investors, retirement savings and income strategies, wealth strategies, and portfolio reviews. Ross P. Johnson is dedicated to helping clients shape their financial futures and is readily available for consultations in person or via phone.
Ross P. Johnson, CRPC™
117 North Washington Street
Grand Forks, ND 58203
Phone: 701.775.7824
www.edwardjones.com/ross-johnson
9. Keith Bjerk – Raymond James
Keith Bjerk, serving at Raymond James, is a seasoned professional offering experienced investment guidance for more confident investing. With a focus on simplifying both the complexities of wealth and life, Keith employs a disciplined process and investment strategies tailored to the client’s goals, time frames, and risk tolerance.
This approach alleviates common investment uncertainties and uncovers various opportunities, ultimately facilitating an easier financial journey. Specializing in delivering investment services and guidance aligned with clients’ needs, Keith ensures a supportive presence at every stage of pursuing personal financial aspirations.
The team’s holistic approach emphasizes tailored service, disciplined strategies, and dedicated guidance. By understanding clients’ risk preferences, values, and lifestyles, Keith’s team develops financial plans that are uniquely personalized. Their prudent asset management, investment selection, and detailed financial plans contribute to clients’ confidence in their financial future.
Keith Bjerk – Raymond James
2812 17th Ave S Ste D
Grand Forks, ND 58201-4048
Phone: 701.775.0300
raymondjames.com/grandforks
10. Katie Gowan
Katie Gowan, FIC, RICP®, BFA™, is an accomplished Financial Advisor focusing on guiding individuals toward their ideal retirements. As specialists in retirement income, Katie and her team excel at crafting personalized retirement plans through a comprehensive four-step process.
Each team member contributes their unique experiences and skills to design tailored plans centered around clients’ values and objectives. Katie, a devoted native of North Dakota, is also a proud mother of triplet toddlers and the wife of Jay, a Grand Forks firefighter.
With nearly a decade of service at Thrivent in Grand Forks, Katie finds fulfillment in providing clients with clear and meaningful financial guidance. Furthermore, she’s licensed with Blue Cross Blue Shield of ND to offer group and individual health insurance plans and Medicare supplements, complementing her holistic approach to financial well-being.
Katie Gowan
3535 S 31st St Ste 102
Grand Forks, ND 58201
Phone: (701) 757-3163
connect.thrivent.com/katie-gowan
Note
The team providing this top ten financial advisors in Grand Forks list believes smart people make smart decisions because they educate themselves on the choices they are preparing to make.
We hope we’ve helped you become smarter about choosing a financial advisor that meets your unique and specific needs.
We try to provide readers with up-to-date information that will help them make those good decisions for hiring financial advisors in Grand Forks. We hope you’ve enjoyed reading the information we’ve provided and learned about some of the choices for Financial Advisors in the Grand Forks area.
No content is intended to constitute professional advice. This content is not responsible or liable for any consequences relating directly or indirectly to any action you take or fail to take based on the information provided. It is very important to do your own analysis, based on your own personal circumstances, before making any investment.
Consult with your own investment, financial, tax, and legal advisers. Readers agree to indemnify and hold harmless the providers of this information, from and against any and all liability, losses, claims, demands, disputes, damages, or costs of any kind.
Looking for a Trusted Grand Forks Business Broker in North Dakota?
Peterson Acquisition is widely recognized as a reputable provider of Grand Forks business broker services, boasting a track record of success and a strong industry standing. They’re ranked as the #1 business broker in the country, building a solid foundation of trust and reliability.
Under the guidance of Chad Peterson, their skilled team is readily accessible to address inquiries and explore potential collaborations.
With their vast knowledge and expertise, Peterson Acquisition is well-equipped to navigate the complexities of the business landscape, empowering you to achieve success.
Should you want to know more about how Peterson Acquisition can be of assistance, please do not hesitate to connect with Chad Peterson, who is eager to offer further insights and guidance.
Your Local Peterson Acquisitions Business Broker in Grand Forks
- Jamie Jacobsma
- 605-201-7264
- jamie@petersonacquisitions.com
- 1800 South Summit Avenue Sioux Falls SD 57105
Jamie represents the following communities in North Dakota and South Dakota for Peterson Acquisitions:
ABERCROMBIE, ABERDEEN, ABSARAKA, ADAMS, AGAR, AGATE, AKASKA, ALAMO, ALCESTER, ALEXANDER, ALEXANDRIA, ALLEN, ALMONT, ALPENA, ALSEN, ALVORD, AMBROSE, AMENIA, AMHERST, AMIDON, ANAMOOSE, ANDOVER, ANETA, ANTLER, ARGUSVILLE, ARGYLE, ARLINGTON, ARMOUR, ARNEGARD, ARTESIAN, ARTHUR, ARVILLA, ASHLEY, ASHTON, ASTORIA, AURORA, AVON, AYR, BADGER, BALDWIN, BALFOUR, BALTA, BALTIC, BANTRY, BARNARD, BARNEY, BATESLAND, BATH, BATHGATE, BEACH, BEAVER CREEK, BELCOURT, BELFIELD, BELLE FOURCHE, BELVIDERE, BENEDICT, BERESFORD, BERLIN, BERTHOLD, BEULAH, BIG STONE CITY, BINFORD, BISBEE, BISMARCK, BISON, BLACK HAWK, BLANCHARD, BLUNT, BONESTEEL, BOTTINEAU, BOWBELLS, BOWDLE, BOWDON, BOWMAN, BOX ELDER, BRADDOCK, BRADLEY, BRANDON, BRANDT, BRENTFORD, BRIDGEWATER, BRISTOL, BRITTON, BROCKET, BROOKINGS, BRUCE, BRYANT, BUCHANAN, BUFFALO, BUFFALO GAP, BULLHEAD, BURBANK, BURKE, BURLINGTON, BUTTE, BUXTON, CALEDONIA, CALVIN, CAMP CROOK, CANDO, CANISTOTA, CANNON BALL, CANOVA, CANTON, CAPUTA, CARPENTER, CARPIO, CARRINGTON, CARSON, CARTHAGE, CARTWRIGHT, CASSELTON, CASTLEWOOD, CATHAY, CAVALIER, CAVOUR, CAYUGA, CENTER, CENTERVILLE, CHAMBERLAIN, CHANCELLOR, CHASELEY, CHATSWORTH, CHERRY CREEK, CHESTER, CHRISTINE, CHURCHS FERRY, CLAIRE CITY, CLAREMONT, CLARK, CLEAR LAKE, CLEVELAND, CLIFFORD, COGSWELL, COLEHARBOR, COLFAX, COLMAN, COLOME, COLTON, COLUMBIA, COLUMBUS, CONDE, COOPERSTOWN, CORONA, CORSICA, COURTENAY, CRARY, CRESBARD, CROOKS, CROSBY, CRYSTAL, CUMMINGS, CUSTER, DAHLEN, DALLAS, DANTE, DAVENPORT, DAVIS, DAWSON, DAZEY, DE SMET, DEADWOOD, DEERING, DELL RAPIDS, DELMONT, DENHOFF, DES LACS, DEVILS LAKE, DICKEY, DICKINSON, DIMOCK, DODGE, DOLAND, DONNYBROOK, DOON, DOUGLAS, DRAKE, DRAPER, DRAYTON, DRISCOLL, DUNN CENTER, DUNSEITH, DUPREE, EAGLE BUTTE, EDEN, EDGELEY, EDGEMONT, EDINBURG, EDMORE, EGAN, EGELAND, ELGIN, ELK POINT, ELKTON, ELLENDALE, ELLSWORTH AFB, EMERADO, EMERY, ENDERLIN, ENNING, EPPING, ERIE, ERWIN, ESMOND, ESTELLINE, ETHAN, EUREKA, FAIRBURN, FAIRDALE, FAIRFAX, FAIRFIELD, FAIRMOUNT, FAIRVIEW, FAITH, FARGO, FAULKTON, FEDORA, FERNEY, FESSENDEN, FINGAL, FINLEY, FLANDREAU, FLASHER, FLAXTON, FLORENCE, FORBES, FORDVILLE, FOREST RIVER, FORMAN, FORT MEADE, FORT PIERRE, FORT RANSOM, FORT THOMPSON, FORT TOTTEN, FORT YATES, FORTUNA, FRANKFORT, FREDERICK, FREDONIA, FREEMAN, FULLERTON, FULTON, GACKLE, GALESBURG, GANN VALLEY, GARDEN CITY, GARDNER, GARRETSON, GARRISON, GARY, GAYVILLE, GEDDES, GETTYSBURG, GILBY, GLADSTONE, GLASSTON, GLEN ULLIN, GLENBURN, GLENCROSS, GLENFIELD, GLENHAM, GOLDEN VALLEY, GOLVA, GOODRICH, GOODWIN, GRACE CITY, GRAFTON, GRAND FORKS, GRAND FORKS AFB, GRANDIN, GRANVILLE, GRASSY BUTTE, GREGORY, GRENORA, GRENVILLE, GROTON, GWINNER, HAGUE, HALLIDAY, HALLOCK, HALSTAD, HAMILL, HAMILTON, HAMPDEN, HANKINSON, HANNAFORD, HANNAH, HANSBORO, HARRISBURG, HARRISON, HARROLD, HARTFORD, HARVEY, HARWOOD, HATTON, HAVANA, HAWARDEN, HAYES, HAYTI, HAZEL, HAZELTON, HAZEN, HEBRON, HECLA, HENDRUM, HENRY, HENSEL, HERMOSA, HERREID, HERRICK, HETTINGER, HIGHMORE, HILL CITY, HILLS, HILLSBORO, HITCHCOCK, HOLABIRD, HOOPLE, HOPE, HORACE, HOSMER, HOT SPRINGS, HOUGHTON, HOVEN, HOWARD, HOWES, HUDSON, HULL, HUMBOLDT, HUNTER, HURDSFIELD, HURLEY, HURON, IDEAL, IHLEN, INKSTER, INTERIOR, INWOOD, IPSWICH, IRENE, IROQUOIS, ISABEL, JAMESTOWN, JASPER, JAVA, JEFFERSON, JESSIE, JUD, KADOKA, KARLSRUHE, KATHRYN, KAYLOR, KEENE, KELDRON, KENMARE, KENNEBEC, KENNEDY, KENSAL, KEYSTONE, KILLDEER, KIMBALL, KINDRED, KINTYRE, KNOX, KRAMER, KRANZBURG, KULM, KYLE, LABOLT, LAKE ANDES, LAKE CITY, LAKE NORDEN, LAKE PRESTON, LAKOTA, LAMOURE, LANE, LANGDON, LANGFORD, LANKIN, LANSFORD, LANTRY, LARCHWOOD, LARIMORE, LAWTON, LEAD, LEBANON, LEEDS, LEFOR, LEHR, LEMMON, LENNOX, LEOLA, LEONARD, LESTER, LESTERVILLE, LETCHER, LIDGERWOOD, LIGNITE, LINTON, LISBON, LITCHVILLE, LITTLE EAGLE, LODGEPOLE, LONG LAKE, LONG VALLEY, LOWER BRULE, LUDLOW, LUVERNE, LYONS, MADDOCK, MADISON, MAIDA, MAKOTI, MANDAN, MANDAREE, MANDERSON, MANNING, MANSFIELD, MANTADOR, MANVEL, MAPLETON, MARION, MARMARTH, MARSHALL, MARTIN, MARTY, MARVIN, MAX, MAXBASS, MAYVILLE, MC INTOSH, MC LAUGHLIN, MCCLUSKY, MCGREGOR, MCHENRY, MCLEOD, MCVILLE, MEADOW, MEDINA, MEDORA, MEKINOCK, MELLETTE, MENNO, MENOKEN, MERCER, MICHIGAN, MIDLAND, MILBANK, MILESVILLE, MILLER, MILNOR, MILTON, MINNEWAUKAN, MINOT, MINOT AFB, MINTO, MISSION, MISSION HILL, MITCHELL, MOBRIDGE, MOFFIT, MOHALL, MONROE, MONTPELIER, MONTROSE, MOORETON, MORRISTOWN, MOTT, MOUND CITY, MOUNT VERNON, MOUNTAIN, MUD BUTTE, MUNICH, MURDO, MYLO, NAPOLEON, NECHE, NEKOMA, NEMO, NEW EFFINGTON, NEW ENGLAND, NEW HOLLAND, NEW LEIPZIG, NEW ROCKFORD, NEW SALEM, NEW TOWN, NEW UNDERWOOD, NEWBURG, NEWELL, NIAGARA, NISLAND, NOME, NOONAN, NORRIS, NORTH SIOUX CITY, NORTHVILLE, NORTHWOOD, NORWICH, NOYES, NUNDA, OACOMA, OAKES, OBERON, OELRICHS, OGLALA, OKATON, OKREEK, OLDHAM, OLIVET, ONAKA, ONIDA, ORAL, ORIENT, ORISKA, ORTLEY, OSLO, OSNABROCK, OWANKA, PAGE, PALERMO, PARK RIVER, PARKER, PARKSTON, PARMELEE, PARSHALL, PEEVER, PEKIN, PEMBINA, PENN, PERTH, PETERSBURG, PETTIBONE, PHILIP, PICKSTOWN, PIEDMONT, PIERPONT, PIERRE, PILLSBURY, PINE RIDGE, PINGREE, PIPESTONE, PISEK, PLANKINTON, PLATTE, PLAZA, POLLOCK, PORCUPINE, PORTAL, PORTLAND, POWERS LAKE, PRAIRIE CITY, PRESHO, PRINGLE, PUKWANA, QUINN, RALEIGH, RALPH, RAMONA, RAPID CITY, RAY, RAYMOND, REDFIELD, REDIG, REE HEIGHTS, REEDER, REGAN, REGENT, RELIANCE, RENNER, REVA, REVILLO, REYNOLDS, RHAME, RICHARDTON, RIDGEVIEW, RIVERDALE, ROBINSON, ROCK VALLEY, ROCKHAM, ROCKLAKE, ROGERS, ROLETTE, ROLLA, ROSCOE, ROSEBUD, ROSEGLEN, ROSHOLT, ROSLYN, ROSS, RUGBY, RUSO, RUTLAND, RYDER, SAINT ANTHONY, SAINT CHARLES, SAINT FRANCIS, SAINT JOHN, SAINT LAWRENCE, SAINT MICHAEL, SAINT ONGE, SAINT THOMAS, SAINT VINCENT, SALEM, SANBORN, SARLES, SAWYER, SCENIC, SCOTLAND, SCRANTON, SELBY, SELFRIDGE, SENECA, SENTINEL BUTTE, SHARON, SHELDON, SHERWOOD, SHEYENNE, SHIELDS, SINAI, SIOUX CENTER, SIOUX FALLS, SISSETON, SMITHWICK, SOLEN, SOURIS, SOUTH HEART, SOUTH SHORE, SPEARFISH, SPENCER, SPIRITWOOD, SPRINGFIELD, STANLEY, STANTON, STARKWEATHER, STEELE, STEPHAN, STEPHEN, STERLING, STICKNEY, STIRUM, STOCKHOLM, STRANDBURG, STRASBURG, STRATFORD, STREETER, STURGIS, SUMMIT, SURREY, SUTTON, SYKESTON, TABOR, TAPPEN, TAYLOR, TEA, THOMPSON, TIMBER LAKE, TIOGA, TOKIO, TOLLEY, TOLNA, TOLSTOY, TORONTO, TOWER CITY, TOWNER, TRAIL CITY, TRENT, TRENTON, TRIPP, TULARE, TURTLE LAKE, TURTON, TUTHILL, TUTTLE, TWIN BROOKS, TYNDALL, UNDERWOOD, UNION CENTER, UPHAM, UTICA, VALE, VALLEY CITY, VALLEY SPRINGS, VEBLEN, VELVA, VERMILLION, VERONA, VIBORG, VIENNA, VIRGIL, VIVIAN, VOLGA, VOLIN, VOLTAIRE, WAGNER, WAHPETON, WAKONDA, WAKPALA, WALCOTT, WALES, WALHALLA, WALKER, WALL, WALLACE, WANBLEE, WARNER, WARWICK, WASHBURN, WASTA, WATAUGA, WATERTOWN, WATFORD CITY, WAUBAY, WEBSTER, WENTWORTH, WESSINGTON, WESSINGTON SPRINGS, WEST FARGO, WESTHOPE, WESTPORT, WHEATLAND, WHITE, WHITE EARTH, WHITE LAKE, WHITE OWL, WHITE RIVER, WHITEHORSE, WHITEWOOD, WILDROSE, WILLISTON, WILLOW CITY, WILLOW LAKE, WILMOT, WILTON, WIMBLEDON, WINFRED, WING, WINNER, WISHEK, WITTEN, WOLFORD, WOLSEY, WOOD, WOODWORTH, WOONSOCKET, WORTHING, WOUNDED KNEE, WYNDMERE, YALE, YANKTON, YORK, YPSILANTI, ZAHL, ZAP, ZEELAND.