Todd Lyle Guennigsmann

Joel Reimers is a CFA® charterholder with two years of industry experience, currently serving as a financial advisor at Sage Wealth Advisory in Willmar, MN. He previously worked at Bremer Bank, National Association, from 2003 to 2022, before retiring and then joining Sage Wealth Advisory in 2023. Sage Wealth Advisory provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and government entities. The firm uses fundamental and cyclical analysis along with Modern Portfolio Theory to guide investment decisions under discretionary authority, tailoring strategies to client risk tolerances and investment restrictions.

Jeffrey Schultz is a financial advisor at Sage Wealth Advisory with three years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Bremer Bank, National Association for sixteen years. Sage Wealth Advisory is a two-advisor registered investment adviser serving individuals, high-net-worth clients, charitable organizations, corporations, and government entities. The firm uses fundamental and cyclical analysis combined with Modern Portfolio Theory to build diversified, primarily long-term portfolios tailored to each client's goals and risk tolerance.

Michael Gramm is a CFP® with 12 years of industry experience, currently serving at Sutterfield Financial Group, Inc. in Willmar, MN, where he has worked since 2003. He is a Series 63 license holder and serves as a trustee for a family trust supporting a special needs relative. Sutterfield Financial Group provides financial planning, consulting, and investment management to individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm employs proprietary portfolio models overseen by an internal investment committee and offers additional services including accounting, tax preparation, and captive insurance management.

Michael Kobs is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Cetera and its affiliated entities since 2025 and has a background that includes roles in fiduciary appointments, insurance sales, and estate consulting. Outside of his advisory duties, he is president of MRK Financial Solutions, where he conducts business consulting. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary investment solutions and has over $256 billion in assets under management and more than 10,000 advisors nationwide.

Craig Popp is a CFA® charterholder with 24 years of experience in the financial industry. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has ownership roles in Accru Wealth and Popp Capital Partners, which serve as support companies for his advisory activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports a range of advisory programs, with specialized services such as municipal and public-finance advisory and SIMPLE IRA employer consulting.

Heather Kahlbaugh is a financial advisor with Wells Fargo Advisors in Willmar, MN, holding a Series 66 designation and bringing 19 years of industry experience. She has been with Wells Fargo Advisors and its affiliated entities since 2011. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services, utilizing Wells Fargo research and planning tools. The firm provides tailored recommendations across various planning needs, including specialized services such as business-owner transition planning and special-needs analysis.