• The Decker Group

    41 Sherburne Avenue | St. Paul, MN | 55103
    14989 Florence Trail | Apple Valley, MN | 55124
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

6-Year Five Star Wealth Manager Award Winner as seen in The Wall Street Journal, Mpls.St.Paul Magazine and Twin Cities Business.

Visit Josh's online Five Star profile to learn more.


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

Matt Martinson

Financial Advisor
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Matt began his career in the financial services industry in 2002. He recently joined EFS Advisors, where he specializes in working with individuals in different stages of retirement planning. Knowing that each individual's situation is unique, Matt carefully listens and works to understand each client's goals before implementing any strategy. When not helping his own clients navigate the complexities of the financial landscape, he works as part of fellow EFS Advisor, Josh Decker's team.

Matt is a graduate of Winona State University where he received a Bachelor of Science degree in Business and Marketing, with an emphasis on Adventure Tourism. Matt currently holds Series 63 and Series 7 registrations, as well as his Life and Health.

In his free time, Matt enjoys traveling to various locations throughout the world. This passion first took root as an eleven year old boy, when he visited Japan. Since then, he has traveled to over twenty countries on four continents. Today, much of Matt's time away from work is spent with his wife Emily and their four children: Hazel, Oliver, Beatrice and Esme. Busy raising four young children at their home in Eagan, Matt has temporarily traded in his far-reaching travel adventures and now finds himself exploring the great state of Minnesota and all the amazing places it has to offer.

Suzanne Smith

Director of Marketing

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 Director of Marketing for 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.

Lisa Decker

Operations Manager

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.