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First National Bank offers investments services to our customers through Cetera Advisor Networks LLC. Cetera is a leading broker/dealer providing a full range of financial services to individuals as well as employers throughout the United States. Cetera strongly emphasizes training and compliance, and adds an extra level of integrity that ultimately best serves the individual investor. We at First National Bank believe strongly in our customer's financial security, and feel Cetera will provide you with sound financial counseling and direction.

Investment Services include:
Mutual Funds • Stocks & Bonds • Tax Deferred Annuities • Government Securities

Retirement Services include:
Traditional & Roth IRA's • Simple IRA's • SEP Plans • 401(k) Plans

College Saving Services include:
529 Plans • Coverdell Education Savings Plans • UGMA/UTMA Custodial Accounts


Securities and investment advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC a Broker-Dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity. Investments are: not FDIC insured - may lose value - not financial institution guaranteed - not a deposit - not insured by any federal government agency.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

This site is published for residents of the United States only.  Registered Representatives of Cetera Advisor Networks 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 representative listed.  For additional information please contact the representative(s) listed on the site, visit the Cetera Advisor Networks LLC site at

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.


Tom Paulbeck, CRPC

Phone: (218) 568-2561


Sheri Winter, Financial Advisor

Phone:  (218) 547-1160



Important Information

Business Continuity Plan
Online Privacy Policy -
Order Routing - is external) Check the background of this investment professional on FINRA's BrokerCheck