About Us

Our independent agents work to protect your property, vehicles, and identity through customized insurance policies. We also offer healthcare options for all ages through multiple companies to meet your individual needs.

Meet our team of professionals:

Gretchen Hefner-Evans

Independent Home, Auto, Commercial and Farm Insurance Advisor
Real Wealth Insurance


With 35 years of experience in the insurance industry, Gretchen brings a wealth of practical knowledge in helping clients to decide how best to protect their assets. With a focus on client education, her goal is to create a comprehensive and affordable plan based on the client’s needs and values. Gretchen guides her clients through the process of obtaining home, auto, and business insurance from various companies. What sets her apart is an annual review of clients’ insurance policies to ensure appropriate coverages. As an active member of the National Association of Professional Insurance Agents (PIA) and the National Association of Insurance & Financial Advisors (NAIFA), Gretchen keeps current and informed about industry changes and insurance options for her clients.

In her free time, Gretchen enjoys traveling and spending time with her friends and family.

Carrie Weyer

Independent Insurance Agent
Real Wealth Insurance


Carrie has worked in the insurance and health care industry for over 25 years. As her passion for helping people grew, she became licensed in Wisconsin for Health, Life, and Property & Casualty insurances. Carrie guides clients through the process of choosing an appropriate insurance plan that fits their current needs and lifestyle. She offers plan options through various companies and annual reviews to make sure you are appropriately covered. She is constantly expanding her expertise, proficiency, and knowledge of insurance plans and choices available to her clients.

In her free time, Carrie enjoys relaxing and spending time with her growing family.

James J. Silbernagel, CFP®, CEPS, LACP, LUTCF

The Silbernagel Group, Inc. Real Wealth® Advisors
The Silbernagel Group Insurance Services, LLC
Real Wealth Tax & Accounting, LLC
Real Wealth® Media

Jim Silbernagel has been in the insurance and financial industry for over 30 years. He believes in a holistic approach to a healthy financial lifestyle, which includes investments, asset protection, insurance, retirement planning, estate planning, tax efficiency, and identity preservation*, no matter age or current financial state.  He helps clients realistically assess current status in all aspects of their lives and plan for a bright future and meaningful living. He has a passion to educate Americans to make smart choices with their money and live a life with purpose. This passion is carried out through his Real Wealth® Weekly podcast program of 25 years and through his support of organizations such as Life Happens, the MDRT Foundation, and the Wounded Warriors Project.

He holds securities licenses series: 6 (Investment Company and Variable Contracts Products Representative), 7 (The General Securities Representative Qualification), 63 (Uniform Securities Agent State Law Examination) and 66 (Uniform Investment Advisor Combined State Laws). He is insurance licensed for life, health and property/casualty. Jim has earned his CFP®, CEPS, LACP and LUTCF designations. He is a Life & Qualifying Member of MDRT, NAIFA, FSP, Forum 400, FSI, Advisors in Philanthropy and Ambassador for Main Street Philanthropy.

Jim has a zest for living! He enjoys flying, fishing, boating and relaxing at his home with his wife of 30+ years and three children.

Jim offers securities through Concorde Investment Services, LLC (CIS), member FINRA/SIPC; advisory services offered through Concorde Asset Management, LLC (CAM), an SEC registered investment advisor; and insurance through Real Wealth Insurance Services, LLC (RWI). The Silbernagel Group, Inc. and RWI are independent of CIS and CAM. Check the background of this investment professional on FINRA BrokerCheck

Joanne Silbernagel

First Lady, Independent Agent, & Collaboration Manager
The Silbernagel Group, Inc. Real Wealth® Advisors
The Silbernagel Group Insurance Services, LLC
Real Wealth Tax & Accounting, LLC
Real Wealth® Media


Joanne promotes good relationships between our family of businesses and cultivates those with clients. She is involved in many administrative projects, attends professional conferences for the companies, and assists in finding qualified speakers for the Real Wealth® Weekly podcast program. Joanne has been an Insurance Agent for over 25 years, holding Life, Health, and Property/Casualty Licenses. As an active NAIFA Member, Joanne is constantly developing new ideas to bring to The Silbernagel Group, Inc.

When she’s not at the office, Joanne gives private guitar, piano, and ukulele lessons to all ages, and is involved in her local church and school music programs. She dedicates Wednesday nights and periodic Saturdays for practice and performances with her Ukerazy bandmates, consisting of her sister Mary, daughter Angela, and some friends.

Michelle Ehlers, FPQP™

Director of the Client Care Team and Client Coordinator
The Silbernagel Group, Inc. Real Wealth® Advisors


Michelle is a detail-orientated professional who works hard to provide exceptional client service.  Michelle is also responsible for making sure the day-to-day operations of the firms run smoothly.  Over 25 years of experience with the financial services and insurance industries allows Michelle to effectively address our clients’ questions and needs in a fast-paced, changing environment.  Michelle graduated with her Bachelor’s Degree in Business Management from the University of Wisconsin – Milwaukee. She holds her Series 7 (The General Securities Representative Qualification) and 66 securities licenses (Uniform Investment Advisor Combined State Laws), Wisconsin Life, Health, and Property/Casualty insurance licenses, and earned the Financial Paraplanner Qualified Professional™ designation.

In her spare time, Michelle enjoys visiting family members across the country, reading, cooking, and volunteering in her community.

Angela Silbernagel

Director of Marketing & General Manager
The Silbernagel Group, Inc. Real Wealth® Advisors
The Silbernagel Group Insurance Services, LLC
Real Wealth Tax & Accounting, LLC
Real Wealth® Media


Angela works to promote financial literacy across the country through the Real Wealth® weekly podcast. Her communication skills and experience with social media, email marketing and website design allow her to reach Americans and motivate them to make smart choices with their money. Angela graduated with her Bachelor’s Degree in Marketing from the University of Wisconsin-Milwaukee, and regularly attends conferences, seminars, and online workshops to continue expanding her knowledge of the ever-changing online world.

Her passion is processes – making sure the office and team members are working together smoothly and efficiently so that our clients experience exceptional service and care.

In her spare time, Angela loves to play the ukulele with her Ukerazy bandmates consisting of her mom Joanne, Auntie Mary, and some friends. She enjoys reading and hosts a monthly Book Club meeting with her friends. She also loves to play beach volleyball and usually joins multiple leagues each summer.