Investment Planning

Cetera Investment Services LLC brings a high-level of experience to your investing. Our Investment Adviser Representatives understand that you have many diverse financial needs. We can expand your options and accommodate your changing lifestyle and financial objectives. We work for our clients and help them make important investment decisions, create financial plans, and reach financial goals. Cetera is a full service broker/dealer, which offers:

  • Stocks & Bonds
  • Mutual Funds
  • Unit Investment Trusts
  • Fixed and Variable Annuities
  • Life Insurance

Highland Bank is pleased to introduce the “Rep on Demand” program through Cetera Investment Services* to assist you with your investment needs.

Chris Gadacz, INVESTMENT Advisor

Chris Gadacz joined Cetera Investment Services in 2012 and has worked in the financial services industry since 2006.  As an Investment Advisor for the Rep on Demand program Chris helps clients to define their financial goals and works with them to help make those financial dreams a reality. Chris, a 2005 graduate of St. John’s University, holds  Series 7 and 66 securities registrations, as well as life and health insurance licenses. Based in St. Cloud, Minnesota, he works with clients throughout the county in all stages of life planning from young families to Baby Boomers.  Chris is a perennial member of Cetera’s Circle of Excellence.*

Outside of the office Chris devotes much of his time to his wife and their three sons. He enjoys spending time with them it at the hockey arena, outdoors fishing and hunting, or camping as a family. Chris has a passion for barbeque and enjoys entertaining friends.

*  This recognition is not a guarantee of future investment success and should not be construed as an endorsement of the advisor by any client.

Call Chris today! 800-720-5848, option 1, Ext. 8 or online at


Located at: 400 1st Street South, Suite 300, Saint Cloud , MN 56301 | Phone: 800.720.5848
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/ SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at
For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera, nor any of its representatives may give legal or tax advice.