Our Team

My team and I place a strong emphasis on effective, reality-based communication with clients, and strive to create an environment within our practice that is 100% focused on building secure financial futures that are designed to help withstand both the highs and lows of the road ahead.


Susan M Lay

Susan M Lay

Director of Insurance Operations and Services
Office 651-456-9446


  • BS in business/marketing – Winona State University

  • Series 6 and 63 securities licensed in South Dakota and Minnesota

  • Life, Disability and Long Term Care Insurance Licensed in South Dakota and Minnesota


I have worked with Mike since September 2007.  Prior work with NML includes 3 years as the coordinator for the General Agency Client Relations Center as well as more than 13 years of banking experience as a branch manager and in marketing. 

I share life with my husband, Kevin, and we have 4 grown children.  We are living an adventure each day and actively pursue a strong work-life balance. I love to hike, bike, read and spend time with family and friends.  We are in the process of visiting and hiking each State Park in Minnesota, with 42 of 67 of the parks completed.


Linette Ramsay

Linette Ramsay

Marketing and Client Relations Manager
Mobile 651-272-7057
  • Bachelor of Science, University of Minnesota Twin Cities

Linette joined Michael's team in 2014.  Working part time Linette assists the team with client scheduling, marketing events, and office administration.

Linette is married to Robb and they have two daughters, Sarah and Emily.  In her free time, Linette enjoys tennis, pickleball, watching her girls in all their activities, and traveling with her friends and family.

Physicians Nationwide

Michael Brian Hoffman, CFP®
Wealth Management Advisor

Physicians Nationwide


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Visit our Client Relationship Summaries (Form CRS) which provide brief information about our firms that provide brokerage services and advisory services.