Joseph Heilman

Chad Sapa is the sole advisor at CTS Consulting, LLC, an independent advisory firm based in Dilworth, MN. He holds a Series 65 designation and has 18 years of experience in financial advisory services. In addition to his advisory role, Sapa has served as Chief Financial Officer for Cass County Electric Cooperative, Inc. since 1991. CTS Consulting, LLC provides discretionary portfolio management and focused consulting to individual clients, including both non-high-net-worth and high-net-worth individuals. The firm integrates investment management with accounting and tax-planning services, offering personalized investment policies and a range of strategies tailored to client objectives.

Jerald Hoffner is a financial advisor at Strategic Financial Inc. with 40 years of industry experience. He has held roles at Crown Capital Securities, LP, and has been with Strategic Financial Inc. since 2008. Hoffner is also the owner and insurance agent of Insurance Solutions Inc., a non-investment related insurance agency in Fargo, ND. Strategic Financial Inc. provides portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm uses Investment Policy Statements to guide discretionary portfolio management and employs a range of investment strategies, including long-term investing, short-term trading, and options writing, managing a higher-than-average client load for an independent firm.

Matthew Breker is a financial advisor at Cultivate Financial in Fargo, ND, with six years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Life Insurance Company, Bank of America, Merrill Lynch, and other firms prior to his current role. Outside of advising, he manages a family farm producing corn and soybeans in Rutland, ND. Cultivate Financial provides tailored investment management and financial planning services to individuals and institutional clients, including retirement plans, trusts, foundations, and profit-sharing plans. The firm employs a strategic asset allocation approach using both active and passive managers, third-party managers, and alternative investments when appropriate, and offers ongoing portfolio supervision and consulting services.

Kacie Schulz is a CFP® professional with 11 years of industry experience, currently serving as the sole advisor at Fortify Financial Group, LLC. Her prior experience includes roles at Keystone Wealth Partners and Bank of America/Merrill Lynch. Fortify Financial Group provides advisory services to individual investors, including high-net-worth individuals, and small businesses, offering portfolio management, comprehensive financial planning, and optional tax preparation. The firm’s investment approach emphasizes long-term strategies based on modern portfolio theory, utilizing mutual funds and ETFs, and combines in-house tax preparation with financial planning and asset management.

Thomas Shockman is the principal advisor at Shockman Financial in Fargo, ND, holding Series 63 and Series 65 licenses with 36 years of industry experience. His prior roles include positions at Advisornet Wealth Management, Cetera Advisor Networks, and International Assets Advisory, LLC. Outside of financial services, he officiates high school football during the fall season. Shockman Financial provides wealth management, personalized financial planning, and investment management services to individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm typically manages discretionary portfolios with a mix of fundamental and technical analysis, offering a distinctive combination of integrated insurance brokerage, options strategies, and third-party account monitoring.

Steven Nelson is a CFA® charterholder with 17 years of industry experience. He has been with Prairiewood Capital, LLC since 2008 and is currently a member of East Valley Capital, LLC, a freight bill factoring business, where he is involved in risk management and accounting. Prairiewood Wealth Management serves individual and high-net-worth clients, focusing on discretionary wealth management that includes financial planning, tax planning, and investment management. The firm follows a long-term, value-oriented investment approach with an emphasis on fundamental analysis and tax efficiency.