Michael Victor Young

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 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Crown Capital Securities, LP for 10 years. Outside of advising, he owns and operates an insurance agency, Insurance Solutions Inc., and manages a family-owned rural real estate partnership. Strategic Financial Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm maintains an unusually large client base for a solo advisor and employs a range of analytical methods and investment strategies tailored to client goals.

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.

Nathan Bremer is a CFP® and holds a Series 66 designation with six years of industry experience. He is the sole advisor at Eighth Wonder Investments in Fargo, ND. His prior experience includes roles at LPL Financial, Bank Forward, Infinex Investments, Alerus, and The Bank of Tampa. Eighth Wonder Investments offers fee-based investment advisory and financial planning services to individuals and high-net-worth clients, providing discretionary portfolio management and customized planning that can include retirement, tax optimization, cash flow, and estate strategies. The firm employs a tactical allocation approach using a variety of securities and analytical methods to manage risk and performance while accommodating client-imposed investment restrictions.

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.

Mark Schiller is a CFP® with 18 years of industry experience and serves as a principal at Williams and Schiller Wealth Management, LLC. He has been with the firm since 2007 and is also a Certified Public Accountant at Williams & Schiller, P.C. CPAs. Williams and Schiller Wealth Management provides investment management and comprehensive financial planning services to individuals, business owners, and select institutional clients. The firm employs a long-term, asset-class focused investment approach grounded in Modern Portfolio Theory and integrates accounting and tax expertise through its affiliated CPA firm.