Bachelor in Mathematics, Moorhead State University, 1984.
Assistant actuary Northwestern National Life Insurance Company (now International Netherlands Group Reliastar), Minneapolis, 1984-1992. Associate actuary TMG Life Insurance Company (Clarica part of Sun Life), Fargo, North Dakota, 1993-1994, MSI Life Insurance Company, Arden Hills, Minnesota, 1994, Mid-American Mutual Life Insurance Company, Roseville, 1994-1995. Actuarial officer Fortis Finance Group, Woodbury, 1996—2001.
Vice president and senior portfolio manager United States Bank, Minneapolis, 2001—2002. Independent consultant, 2002—2003. Director pricing and finance evaluation Thrivent Finance for Lutherans, Minneapolis, since 2003.
Grader Society Actuaries' Exam 220, 1992, 93.
Organizer blood drive Minneapolis Blood Bank, 1992. Meal deliverer Meals on Wheels, Fargo, 1993. Meal server Sharing and Caring Hands, Minneapolis, 1992, treasurer, Minnesota State High School Frisbee League, since 2008.
Fellow Society Actuaries (member finance and investment management practice education committee 1995-1996). Member American Academy Actuaries, Twin Cities Actuarial Club, Life Insurance Marketing and Research Association (finance marketing and services committee 1993).
Married Daniel Mark Bretz Rydel. Children: Michael Charles Bretz Rydel, Alexa James Bretz Rydel.