Sandra Marie Mcdonald

Lauri Salverda is a CFP® with 11 years of industry experience and is the sole advisor at Castle Rock Financial Planning, Inc. She has been associated with Clerestory Advisors, Inc. since 2008. Castle Rock Financial Planning provides personalized financial planning and investment management services to individuals, high-net-worth clients, trusts, and estates, offering a range of planning services and portfolio management under a fee-only fiduciary model. The firm uses multiple investment analysis methods and third-party research while maintaining policies such as not selling commissioned products or accepting referral fees.

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.

Michael Bins is a CFP® professional currently affiliated with LPL Financial. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

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.

James Linnett is a financial advisor with LinnHavn Wealth Advisors LLC and holds a Series 65 designation. He has 15 years of industry experience, including a prior role at Ascent Private Capital Management of U.S. Bank. In addition to his advisory work, Linnett maintains an active law practice at Linnett Law LLC. LinnHavn Wealth Advisors LLC is a state-registered advisory firm serving individuals, high-net-worth clients, charitable organizations, and business entities. The firm offers discretionary asset management and fixed-fee wealth planning, tailoring portfolios to client goals and employing both fundamental and technical analysis. It also engages sub-advisors and retains authority to appoint other investment advisors, distinguishing itself through its affiliation with a separate legal practice and its approach to selecting third-party advisers.