Beverly Jayne Bertram

Rodney Andrae is the sole advisor at Andrae Financial Services LLC, a state-registered independent investment advisory firm based in Darlington, WI. He holds a Series 65 designation and has 11 years of industry experience, including prior work at Centralstar. Andrae Financial Services primarily serves individual and high-net-worth clients through discretionary asset management and written financial planning. The firm employs fundamental and cyclical analysis in portfolio construction, reviews accounts at least quarterly, and works with charitable organization clients while maintaining specific operational practices such as not voting client proxies or using soft-dollar arrangements.

Michelle Bertram is a financial advisor at Bertram Financial Advisor Services with 19 years of industry experience. She holds a Series 65 designation and has been self-employed since 1997, primarily focused on insurance services. Bertram Financial Advisor Services places advisory clients with third-party money managers and provides financial planning and portfolio management support. The firm uses a model portfolio approach with investments in stocks, bonds, ETFs, and no-load mutual funds, acting as a liaison between clients and third-party managers without exercising investment discretion.

Michael Peat is a financial advisor with Harbour Investments, Inc. in Dodgeville, WI, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked with 1st Rate Wealth Management and First Rate Financial throughout his career. Peat is a board member of the Iowa-Grant Educational Foundation, a charitable organization supporting educational enrichment activities. Harbour Investments serves a diverse client base including individual investors, trusts, pension and 401(k) plans, and institutional entities. The firm offers a range of portfolio management and financial planning services, utilizing various investment approaches and multiple execution platforms tailored to advisor and client needs.

Chester Lee is a financial advisor at Merit Financial Advisors with 18 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Pillar Wealth Management Co. for 14 years. Outside of his advisory role, he is involved in a self-storage business in Dodgeville, Wisconsin. Merit Financial Group, LLC is an SEC-registered firm managing approximately $10.6 billion across 144 advisors and serves a diverse client base including individuals, businesses, and institutions. The firm employs a long-term, diversified investment approach using customizable model portfolios and offers specialized services such as fiduciary and ESOP trustee work.

Laura Barnard is a financial advisor with Thrivent Investment Management in Darlington, WI. She holds the ChFC® designation and Series 66 license, and has 15 years of industry experience. Barnard has worked at Thrivent Financial For Lutherans and Thrivent Investment Management since 2014. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based financial planning covering a wide range of topics, with the option to combine planning with managed-account services under a consolidated billing arrangement.

Kim Havens is a financial advisor with Mass Mutual Investors Services in Darlington, WI, holding Series 63 and Series 65 licenses and having 35 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual Financial since 2004. Outside of his advisory role, he owns and operates Havens Hilltop Farm. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.