Luke Terence Meier

I'm the founder of SCM Investment Services in Lake Elmo, MN — a fee-only, fiduciary advisory firm built on one belief: everyone deserves honest financial advice from someone legally required to put their interests first. My path here started on the trading floor at the Chicago Board of Trade, where I transacted over $1 billion in US Treasury Notes daily and later served as VP and Director of Discretionary Trading Operations. With degrees in Computer Science and Chemistry, I've always approached investing as a hard science — not a sales pitch. I earned my MBA from the University of Chicago Booth School of Business, the epicenter of evidence-based investing. No commissions. No exceptions. I've been quoted as a financial expert in CNN Money, Fortune, the Chicago Tribune, US News, and Investment News.

Peter O'Brien is a financial advisor with MPM Financial Corporation in Maplewood, MN. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Voya Financial Advisors. Outside of his advisory work, he is also a licensed insurance agent involved in the sale of fixed insurance products. MPM Financial Corporation provides discretionary asset management primarily for individual investors and qualified retirement plans, including limited-scope ERISA 3(21) fiduciary support. The firm uses a combination of fundamental, technical, charting, and cyclical analysis to tailor portfolios to client objectives and employs third-party model managers and UMA platforms as part of its investment approach.

Justin Munger is a financial advisor at VIP Financial Associates with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Sawtooth Asset Management and Sawtooth Solutions before joining Premier Capital Management, LLC dba VIP Financial Associates in 2016. Outside of advising, he owns Premier Pet Services, LLC, a pet sitting and cleanup service, and has been involved as an independent life and health insurance agent since 2002. VIP Financial Associates provides financial planning and discretionary portfolio management to individuals, high-net-worth clients, trusts, and estates. The firm emphasizes individualized asset allocation using fundamental and technical analysis and relies on third-party model managers and due diligence services for portfolio construction and monitoring.

Jesse Sell is a CFP® with 32 years of industry experience, currently operating as the sole advisor at Prevail Financial Partners, LLC since 2019. Prior to founding Prevail, he spent 11 years at Ameriprise Financial Services, Inc. He serves as Treasurer and Secretary for his local homeowners association in West Lakeland, Minnesota. Prevail Financial Partners, LLC is an independent, state-registered advisory firm serving individual and high-net-worth clients through managed accounts and financial planning. The firm employs a client-driven investment process that integrates asset allocation, dollar-cost averaging, technical analysis, and both long- and short-term trading, typically managing assets on a non-discretionary basis.

Jay Radke is a financial advisor with Investors Choice in Stillwater, MN, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Investors Choice from 1999 to 2018. In addition to his advisory role, Radke has been a licensed life insurance agent since 1984, providing insurance products to clients as needed. Investors Choice is an independent firm offering financial planning, investment advisory, and portfolio management services to individual clients. The firm manages approximately $1.41 million across a limited number of accounts, using a customized investment approach that incorporates various analysis techniques and a range of instruments, including mutual funds, ETFs, stocks, bonds, options, CDs, and annuities. The firm also sells insurance products and offers fixed and variable annuities, combining fee-based advisory and insurance services.

David Hammer is a CFP® and ChFC® with 14 years of industry experience. He is the sole advisor at Hammer Advisory Services, Inc., a firm he founded in 2010 and continues to lead. Hammer Advisory Services provides non-discretionary direct asset management and financial planning to individuals, high net worth clients, trusts, estates, and business owners. The firm uses a combination of fundamental analysis and Modern Portfolio Theory to build tailored portfolios, operating on a non-discretionary basis that requires client approval for trades and conducts quarterly account reviews.