Business Details
50+ Years
experience
Your Trusted Partner for Insurance & Financial Solutions
Missouri River Associates has built a reputation for delivering personalized insurance and financial planning solutions tailored to individual client needs. With decades of combined experience, our team prioritizes integrity, professionalism, and client education to help individuals and businesses achieve long-term financial security. We offer comprehensive services including retirement strategy development, risk management, and coverage solutions across life, health, property, and commercial insurance. Our commitment to transparency, ethical practices, and community engagement ensures clients receive reliable guidance and support throughout their financial journey. 
Services
Auto Insurance
Commercial Insurance
Farm Insurance
Health Insurance
Home Insurance
Financial Planning
Medicare Services
Life Insurance
Property Insurance
Retirement Strategies
Details
- Year established: 1973
Highlights and features
- We offer over 50 years of combined experience in insurance and financial planning.
- Our team provides personalized retirement strategies tailored to individual client needs.
- We maintain partnerships with multiple insurance carriers to offer objective solutions.
- Our advisors hold advanced certifications in financial planning and risk management.
- We prioritize transparent communication and lifelong client education.
What people say
Level of service
Personalized retirement strategies
Expert knowledge
No obligation consultations
Community-focused approach
Services
Auto Insurance
Auto Insurance protects drivers against financial loss from accidents, theft, or damage. Missouri River Associates offers liability, collision, comprehensive, and specialty coverage options tailored to individual driving habits and vehicle needs. Our policies include roadside assistance, rental reimbursement, and accident forgiveness to ensure peace-of-mind driving assurance across South Dakota, Nebraska, and Iowa.
Farm Insurance
Farm Insurance safeguards agricultural operations against risks to equipment, livestock, and property. We provide crop insurance, farm equipment protection, and liability coverage customized for growers and ranchers. Our specialists understand rural livelihoods and offer policies that protect income streams while ensuring operational continuity during unforeseen disruptions in South Dakota, Nebraska, and Iowa.
Medicare Services
Medicare Services guide clients through Part A-Hospital, Part B-Physician, Part C-Advantage, and Part D-Pharmacy coverage options. We help navigate enrollment, penalty avoidance, and plan selection while offering local support for policy adjustments. Our specialists ensure seniors receive comprehensive healthcare protection with supplemental plans that minimize out-of-pocket costs across South Dakota, Nebraska, and Iowa.
Financial Planning
Financial Planning creates tailored retirement strategies using annuities, IRAs, and investment vehicles. Our four-step process includes discovery, strategy development, implementation, and ongoing monitoring to adapt to life changes. We help clients estimate retirement income sustainability and develop tax-efficient withdrawal plans across South Dakota, Nebraska, and Iowa.
Commercial Insurance
Commercial Insurance offers business property, liability, and workers' compensation coverage for companies in diverse industries. We provide business owners policies, inland marine insurance, and professional liability protection customized to operational risks. Our solutions ensure businesses maintain continuity while complying with regulatory requirements across South Dakota, Nebraska, and Iowa.
People
Julie Fischer
Founder & President
Julie Fischer founded Missouri River Associates with 50+ years of insurance experience. She specializes in retirement planning and generational estate preservation while managing a family farm operation. Her focus on integrity and client education drives the agency's community-centered approach.
Jennifer Grate
Lead Agent
Jennifer Grate leads insurance operations with 20+ years of experience in policy development. She specializes in asset protection and family risk management while balancing agricultural expertise with modern insurance solutions for clients across the Midwest.
Skyler Schurman
Agent
Skyler Schurman provides property and casualty insurance expertise with a focus on community service. He combines six years of financial industry experience with personalized client support to ensure comprehensive coverage solutions for individuals and businesses.
Sheena Schramm
Lead CSR
Sheena Schramm manages personal and commercial lines with 14+ years of customer service experience. She specializes in policy administration and client relations, ensuring efficient service delivery for Missouri River Associates' policyholders.
Tina Sasse
Lead CSR
Tina Sasse oversees group and life benefits with a background in customer service and culinary arts. She combines organizational skills with attention to detail to manage complex insurance policies and client inquiries effectively.
Questions
What retirement planning services do you offer?
We provide personalized retirement strategies including annuities, IRAs, and income sustainability analysis through our four-step process of discovery, strategy development, implementation, and monitoring.
Do you specialize in rural insurance needs?
Yes, we specialize in farm insurance, agricultural risk management, and rural property coverage tailored to the unique needs of Midwest landowners and operators.
How do you help with Medicare enrollment?
We guide clients through Medicare Part A-Hospital, Part B-Physician, Part C-Advantage, and Part D-Pharmacy options while explaining penalties, enrollment processes, and supplemental plan choices.
What commercial insurance options are available?
We offer business property insurance, liability coverage, workers' compensation, and specialized policies including inland marine and professional liability tailored to specific industry risks.
Can you help compare insurance providers?
As independent agents, we access multiple carriers to compare policies, ensuring objective recommendations that match your coverage needs and budget requirements.
Do you provide local in-person service?
Yes, we offer face-to-face consultations at our Yankton, SD office and provide local support for policy adjustments, claims assistance, and ongoing financial planning needs.
