Rachel R Kulzer

Alexander Tomczik is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior roles include positions at Ameriprise Financial and US Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

David Anfinson is a financial advisor with Cetera, holding the PFS™ and Series 66 designations and bringing 24 years of industry experience. He has previously worked at VOYA Financial Advisors and has been associated with Anfinson Thompson & Co. since 2007. Outside of his advisory role, Anfinson serves on the boards of two nonprofit health organizations, Carris Health LLC and Centra Care Health. Cetera Investment Advisers LLC is a large SEC-registered firm that provides a range of investment advisory and retirement services to individuals, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple portfolio management options, including access to affiliated and third-party managers, and manages assets exceeding $256 billion.

Jacquelyn Alderman is a financial advisor with Ameriprise in Sauk Centre, MN, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Alderman serves as Treasurer and a board member for both the Sauk Centre Chamber of Commerce and the Sauk Centre Area Community Foundation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Richard Jennissen is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Cetera Investment Services since 1996 and First National Bank of Sauk Centre since 1995. He serves as a board member of the Sauk Centre Area Community Foundation, assisting with the establishment of a new foundation. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of investment and retirement planning services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients, offering diverse portfolio management solutions including discretionary and non-discretionary options and access to third-party money managers.

Emma Waller is a Financial Consultant at Fidelity Investments, a role she has held since 2025. Prior to this position, she served as a Planning Consultant at Fidelity Investments from 2024 to 2025. Her career in financial services began as a Bank Teller at U.S. Bank between 2019 and 2020, followed by several roles at Ameriprise Financial including Financial Planning Assistant, Financial Planning Analyst, and Associate Financial Advisor from 2020 to 2024. She holds a California Insurance License which supports her work in financial planning and consulting. Emma emphasizes the importance of trust and open communication in building financial plans, focusing on understanding clients' goals and concerns to co-create personalized strategies that adapt through different stages of life. Outside of her professional life, Emma enjoys spending time at the beach, engaging in fitness activities, attending social events with friends, photography, and traveling.

Robert Deters is a financial advisor at Osaic with 23 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors and Securities America Inc for 11 years. Outside of his advisory role, Deters is active in insurance sales, including life, health, and Medicare-related insurance products. Osaic Wealth, Inc. serves a diverse client base comprising retail and institutional investors by offering integrated brokerage and investment advisory services, financial planning, and access to various managed account solutions. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across multiple asset classes for both discretionary and non-discretionary accounts.