Ryan David Ludwig

Derek Delaney is a CFP® and ChFC® with 12 years of industry experience. He is the sole advisor at PharmD Financial Planning LLC, an independent firm based in Owatonna, MN, and previously worked at Profinium, Inc. for five years. PharmD Financial Planning is a state-registered advisory firm serving individual clients, including high-net-worth households, and nonprofit organizations. The firm primarily uses passive portfolios consisting of index mutual funds and ETFs, allocates assets to SEI-based and other third-party managers, and provides comprehensive financial planning and portfolio management with a fixed annual advisory fee structure.

Jeremy Herkenhoff is a financial advisor at iWealth with two years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and LPL Financial LLC. Herkenhoff serves as an advisory council member for the Minnesota State University, Mankato Finance Department. iWealth Financial, LLC serves individuals, trusts, pension and profit-sharing plans, and business entities by providing discretionary investment management, financial planning, and retirement plan consulting. The firm employs a multi-method investment approach with regular portfolio monitoring and rebalancing, managing $311.6 million in discretionary assets as of year-end 2025.

Barry Bayles is a financial advisor with Horter Investment Management, LLC, holding a Series 65 designation and seven years of industry experience. He has worked at Horter Investment Management since 2018 and also operates Financial Freedom Partners LLC, where he serves as a sole proprietor providing insurance sales. Additionally, he has been self-employed since 2003 in tax preparation, assisting individuals and small businesses with income tax filings. Horter Investment Management offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services to a broad client base including individuals, trusts, pension plans, and corporations. The firm employs a combination of tactical and passive multi-manager portfolios and provides ongoing account oversight with supplemental quarterly reporting.

Matthew Potter is a financial advisor at iWealth with Series 66 registration and two years of industry experience. His prior work includes roles at LPL Financial, JND Legal Administration, and teaching at Waseca High School. Outside of finance, he is involved in farming through a family business. iWealth Financial, LLC serves individuals, trusts, pension and profit-sharing plans, and business entities by providing discretionary investment management, financial planning, and retirement plan consulting. The firm uses a variety of analytical methods for portfolio construction and monitors investments regularly, managing $311.6 million in discretionary assets as of the end of 2025.

Shawn Pomeroy is a financial advisor with iWealth who holds Series 63 and Series 66 licenses and has 15 years of industry experience. His prior roles include positions at ICA Group Wealth Management, LPL Financial, and Investment Centers of America. He is also a Minnesota notary. iWealth Financial, LLC serves individuals including high-net-worth clients, trusts, pension and profit-sharing plans, and business entities by providing discretionary investment management, financial planning, and retirement plan consulting. The firm employs asset-allocation frameworks combined with fundamental, technical, quantitative, and sector analysis, offering a range of investment products while maintaining ongoing portfolio monitoring and due diligence.

Gary Guentzel is a financial advisor with iWealth Financial, LLC, holding a Series 63 designation and over 37 years of industry experience. He previously worked at Triad Advisors, Inc. for ten years and LPL Financial for three years before joining iWealth. Outside of his advisory role, he is co-owner of D&D Enterprises LLC and is involved in farming activities through CR Farms. iWealth Financial, LLC provides investment advisory and planning services to individuals, high-net-worth clients, trusts, employer retirement plans, and businesses. The firm employs a range of analytical and asset-allocation strategies, uses third-party managers, and offers comprehensive portfolio management tailored to client objectives.