Josh Decker, CFP

Office: 651-292-4895 | Email:
(CFP) Certified Financial Planner | Financial Planner | Financial Advisor
Our Team

About Josh Decker

Josh Decker, CFP





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Josh has been in the financial services industry since 1995, and joined EFS Advisors in 2000.   Josh has developed a core set of specialized skills in financial and retirement planning, asset allocation, and investment advice, and he is recognized for his dedication to exceptional client service that accompanies financial advice tailored to the needs of each client. Most often, Josh finds himself counseling members within five years of retirement, helping them make the financial transition from working life to retired life.

Josh’s passion for financial planning and helping others successfully navigate the financial landscape, led him to obtain his Certified Financial Planner® designation in 2004.  He also holds is Series 63, 65, and 7 registrations, as well as his Life and Health Insurance license.

Awards and Recongnition

5 STAR Wealth Manager by Mpls-St Paul Magazine and Twin Cities Business 2012-2014, and 2016 - Disclaimer

2016 NTSA [National Tax-deferred Savings Association] Elite Advisor Award - Disclaimer

Education and Expertise

  • Certified Financial Planner Practitioner
  • Series 7 license - General Securities
  • Series 63 license - Uniform Securities Agent
  • Series 65 license - Investment Advisor Representative


  • Retirement Planning
  • Asset Management
  • Wealth Accumulation

Team Members

Suzanne Smith





An EFS Advisors team member since 2011, Suzanne creates and implements a variety of marketing and communication initiatives, strategies and processes

Before beginning her career at Target in 1998, she graduated with honors from the University of Minnesota's Carlson School of Business with a degree in marketing. A veteran of using marketing, strategy, process and communications to build a variety of businesses and teams, her various positions at Target required brand development, advertising, as well as strategy creation and implementation. In 2007, she consulted on the content and design of Fingerhut's website, and in 2010 she joined Hawkins Associates, LLC as an account manager responsible for the brand management of Target's Up & Up vitamin lines.

As a marketing and communications manager with EFS Advisors, Suzanne enjoys the variety of marketing initiatives and projects she creates and manages, as well as the ability to apply her analytical skills through her command of marketing data to deliver CRM solutions. She is also passionate about finding opportunities to strategically help clients grow to attain new levels of success.

Suzanne currently resides in Medina, MN with her husband and two daughters where she enjoys anything fitness related, volunteering at her church, and exploring the cities with friends and family.

Decker Lisa



Lisa grew up in Burnsville, MN and went on to earn a Bachelor of Science degree from St. Cloud State University. Following graduation from SCSU, Lisa started a career in the mortgage industry at Wells Fargo Home Mortgage. While at WFHM, she was a mortgage processor and underwriter, overseeing the mortgage process from start to finish. Lisa was awarded the Customer Service Excellence Award three years in a row.

As the team's operations manager, Lisa is responsible for all operational aspects of the business, including the processing of paperwork, among the many other skills she brings to the team. With her expertise, she can be counted on whenever clients need a distribution, would like an appointment scheduled, or have questions about their account.

As the last name suggests, Lisa and Josh are family. Specifically, Lisa is Josh's sister-in-law and married to Josh's youngest brother, Jason. Lisa currently lives in Lakeville with her husband and their three sons. In Lisa's free time she enjoys spending time with family and friends, attending her sons' sporting events, cooking and traveling.