Lana Karstens, Modern Woodmen of America

I work with individuals and families to help them plan for a secure financial future.

You will never regret preparing for your future.


When your family grows, your future grows. Let's grow your financial plan to meet your family's needs.

During these challenging times, you may have more questions than answers. I can help you plan throughout all stages of life. Let's talk.

It’s natural to have questions about retirement. I can help answer them.


Life insurance may be more affordable than you think. Let's talk.

Knowledge that helps you make informed and effective decisions about your financial future may help you gain the peace of mind you've been seeking. Let me help - let's talk!

I believe life insurance is the foundation of financial planning. Learn more about our permanent solutions for permanent needs… without permanent premiums.


Every small purchase makes a big difference when you shop local. #SmallBusinessMonth

My job is not only to help you plan for your financial future, but to also help you gain financial knowledge. During these uncertain times, I can help. Contact me today.

Fraternalism is a way of caring and giving back. It’s about being part of something bigger than yourself.


When you support small businesses, you're supporting people's dreams. #SmallBusinessMonth

In 2019, Modern Woodmen and its members contributed $20.43 million to families and communities nationwide. may&utm_medium=reppages

I'm dedicated to serving my community during challenging times.


During the month of May, support your local businesses. They need you more than ever.

The right budgeting and planning can help you stay on your retirement path. I can help. Let's talk.


Family is important. Let me help you protect them.

We’ve been around since 1883, standing strong through world wars, national disease outbreaks, depressions and recessions. You can count on us to help you meet your financial needs today and in the future. Please contact me if you have any questions. I'm here to help.

It's always the right time to get your answers. #FinancialLiteracyMonth


To all those on the front lines…Medical staff, delivery persons, first responders, grocery store employees and everyone else who has no choice but to go to work right now…

During this unprecedented time, I'm here to support you and your financial concerns. Contact me with any questions.


I'd love to tell you more about our free financial literacy program for K-12 students! Ask me today! Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community.


#FinancialLiteracy can mean many different things to different people. What's it mean to you?

I'm dedicated to serve you and your loved ones during this time. Please let me know how I can help.

#FinancialLiteracy can help you plan for life's big moments.


Finances…If you've been putting off getting the answers you need - wait no longer. Now's the time. Let's talk.#FinancialLiteracyMonth

April is Financial Literacy Month. In these unprecedented times you may have questions regarding your financial fitness but hesitant to ask? My job is to help. Contact me today. #FinancialLiteracyMonth

Our Story

As a Modern Woodmen representative, I use my knowledge of financial products and needs to help my members and Minnesota and South Dakota communities plan for a secure financial future. Working together, I can help you develop a personal financial strategy unique to your needs and goals.

My role is to help you: • Define your goals and objectives. • Assess your current financial situation. • Create an affordable plan that will grow with you in the future. • Help you get started and then review and adjust your plan over time. Modern Woodmen of America is a member-owned fraternal financial services organization. We secure futures with financial guidance and products. As a fraternal, our members enjoy social, educational, and volunteer activities as well as special member benefits. Since 1883, Modern Woodmen has brought people together, supported families and strengthened communities nationwide. Modern Woodmen - touching lives, securing futures. Feel free to contact me at: Mobile: (507) 317-5258 [email protected] Life Insurance Retirement Planning Financial Services *Securities offered through MWA Financial Services, Inc., a wholly owned subsidiary of Modern Woodmen of America. Member: FINRA, SIPC. Products are available in most states. Individual representatives may not be licensed to sell all products.

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515 W Cedar Rd
Chamberlain, SD

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 17:00
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