About Missouri River Associates, LLC

Julie Fischer Founder & President Julie K Fischer is a woman who others describe as “real and down to earth”. She thrives on working hard and is famous for speaking her truth. This is confirmed by her #1 Honesty on her VIA Character Strengths Profile. She fully embraces being a powerful woman living in a small rural area of South Dakota and has chosen to create opportunities for other women to learn from her as she nurtures them in her expanding businesses. Julie’s feelings of fulfillment come from working with individuals to better their lives, whether that be through floral design in the past or engaging her clients in the financial planning. Her passion exerts itself in the time and energy helping others to achieve their potential through a variety of different insurance products and instruments. Julie states, “I have worked in a primarily male dominated environment and enjoy the processes involved with staying on the cutting edge in the industry. I am truly blessed to be working with my daughter, Jenn and the rest of our team and enjoy watching these second generation females as they continue to excel and expand Missouri River Associates  to its new location. Her story is uncommon in the small rural areas of South Dakota as she not only runs multiple businesses, but also helps her husband, Rich on the farm with 300 head stock cow/calf operation & row crops (corn, soybeans, & alfalfa). Growing up on the family farm, her background is 100% farm and knows why it is so important to keep the family farm in the family. Julie helps families do this daily with generational estate preservation, succession planning and social security planning. Julie believes that our clients are the most important asset. It is our trademark that has elevated us above a typical insurance agency and made us what we are today! We are happy to service you, our client! Contact Julie:  [email protected]

Jennifer Grate
Lead Agent

Jennifer Grate, licensed independent insurance agent, has been in and around the insurance industry almost her entire life. When she was 6 years old her mother, Julie Fischer started her own insurance agency in Yankton, SD. Since then she has watched her mother grow the business into what it is now. Overcoming the male dominate environment and succeeding. Growing up on the family farm was a challenging part of life. Learning how important it was to work for everything you have, is why she is so driven to help protect all your assets. In 2001, after graduation with an associate’s degree from Mitchell Technical Institute, in Computer System Technology, Jennifer decided to join her mother in a career in the insurance industry. Jennifer states, “I find it very exciting, challenging, and fulfilling to help people be protected and understand how insurance works.” With her VIA character strength #1 being humor, she tries to find the humor and brightness in each and every day. Her 2 children make sure of this. Colter and Ethan are always on the go, which means she is always on the go. Family is very important to Jennifer and that is why she is so passionate about helping you protect yours. Jennifer believes that our present and future clients are our most important asset. Thriving on great customer service and attention to detail, she will make sure you are her number one priority. Contact Jenn: [email protected]

Skyler Schurman Agent

Skyler joined Missouri River Associates, LLC in 2018 as a P&C Agent. Having grown up in and around Yankton, Skyler is very familiar with the value of hard work. Family is one of Skyler’s top priorities, spending time where it matters most.

Community is very important to him, and will be a leader in Community Service programs that Missouri River Associates, LLC participates in.
Spending 6 years in the financial industry, he is now transitioning to the insurance role. With great attention to detail, Skyler will make sure you are covered properly in a time of need.

Contact Skyler: [email protected]

At Missouri River Associates, LLC, helping you achieve your vision for retirement is our number one goal. We work closely with you to objectively assess your individual retirement strategy, and help provide solutions tailored to your needs.Missouri River Associates, LLC are proud to be independent financial professionals. Being independent allows us access to a diverse set of products and solutions from a wide-range of insurance companies.

The Missouri River Associates, LLC Core

Financial Planning

We take a personal approach and offer a high level of service paired with years of experience, comprehensive resources and support, objective and in-depth knowledge. Through our dedication to service, Missouri River Associates, LLC creates value for our clients resulting in innovative retirement solutions that cater to their individual needs, goals and vision. If you would like to have a conversation about your retirement strategy, please contact us online or call our Yankton office at 605-665-6885. There’s absolutely no cost or obligation

“I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

– Michelle D.

Sheena Schramm
Lead CSR Personal & Commercial Lines
Sheena Schramm was born and raised in the Yankton area.  What she loves most about Yankton, is the small town feel with endless opportunities.
Family is very important to Sheena, spending her free time with her husband Kevin, and son Owen.
With over 14 years of customer service experience, Sheena can help you with any of your service needs.
Contact : [email protected]
Tina Sasse
Lead CSR Group & Life Benefits
Tina was born and raised in the high desert area of Southern California. Tina and her husband Eddie moved to South Dakota in 2005 to obtain a wholesome and better life, more than what the hustle and bustle of California could offer. Tina enjoys the beauty of the Mighty Missouri River and the small-town charm that Yankton has to offer. Tina has three children Nikolos, Kai, and SPC Leann Sasse who serves with the SDANG Bravo Battery 1st Battalion 147th FA out of Yankton. In her free time Tina is with her family, friends, camping, gardening, culinary classes and cooking. Tina is also currently attending Auguste Escoffier School of Culinary Arts to be a Chef. Tina joined Missouri River Associates in 2020 as Lead CSR Group & Life Benefits [email protected]

Chelsea Tacke – Head of client management

Chelsea grew up on an organic farm in south west Minnesota, where hard work and dedication came often.  Family is one of the most important things to her.  Her daughter Hattie keeps her busy in life along with her soon to be husband Steven.
Chelsea fell in love with the Yankton area for all its beauty and the close knit community.  On her off time, she enjoys meeting new people, spending time with family,  being outdoors, and gardening.  Chelsea joined Missouri River Associates, LLC in 2020 as Head of Client Management & Marketing.