Joel Ratz

Michael Linse is a CFP® professional with 33 years of industry experience, currently serving at Principal Financial Services in Mondovi, WI. He has worked with Mondovi Investment Center since 2010 and has been affiliated with Princor Financial Services Corp since 2009. Outside of his advisory work, Linse is involved in competition grilling and catering through his Sand Road BBQ Team. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individuals, retirement plans, trusts, and business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Allison Rud is a financial advisor at OSAIC with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and American General Securities Incorporated. Outside of advisory services, she is involved in a family partnership that manages several local business and residential properties. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a comprehensive investment process combining risk-tolerance assessments with advanced portfolio optimization tools and offers access to various investment products and custodial platforms.

Jessica Berg is a financial advisor with Thrivent Investment Management in Osseo, Wisconsin, holding Series 63 and Series 65 licenses with 10 years of industry experience. She previously worked at Royal Credit Union, LPL Financial, and INVEST Financial Corp. Outside of her advisory role, she owns and operates a hobby farm involved in the sale of cattle and other livestock. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other financial planning topics. The firm’s approach combines goal-based analyses and flexible service options without discretionary trading authority.

Andrew Rud is a financial advisor with OSAIC, holding a Series 66 designation and one year of industry experience. He previously worked at Danzinger Vineyards and has been involved with Ali Rud Financial Services since 2018. Outside of his advisory work, Rud serves as a volunteer assistant baseball coach for the Mondovi School District and is a member of the Gilmanton Sportsman’s Club. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a comprehensive investment process combining risk-tolerance assessments with portfolio optimization tools and offers access to various investment products and platforms.

Lisa Berger is a financial advisor with Edward Jones in Mondovi, WI, holding a Series 66 credential and 17 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she manages a property rentals business, D. Y. Bella Properties, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management supported by a large national network of advisors and branches.

Krista Caucutt Ratz is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she owns Caucutt-Ratz Tax Preparation LLC, a tax preparation business. Ameriprise offers retirement-income planning services primarily for clients with at least $1 million in investable assets, delivering tailored written recommendations that incorporate tax-smart withdrawal strategies and Social Security claiming options. The firm combines research, modeling, and automated tools overseen by a dedicated team to support its advisory approach.