Lawrence Mcguire is a CFA® charterholder with 23 years of industry experience. He has been the sole advisor at Red Rock Capital Advisors, LLC, an independent registered investment adviser based in Hibbing, MN, since 2002. Red Rock Capital Advisors serves primarily individual clients, offering discretionary portfolio management, modular financial planning, and advisory consulting. The firm employs a combination of fundamental and technical analysis with both long- and short-term strategies, and requires clients to custody assets at Charles Schwab.

Shawn Lappi is a financial advisor at Gradient Advisors, LLC with one year of industry experience. He holds a Series 65 designation and has been involved with Tri-Sure Financial since 2009 and Maintenance Plus, a landscaping business, since 2012. Outside of finance, he is also a performer with the entertainment group The Six9's. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities. The firm supports a large network of advisors and employs a non-discretionary approach, combining various analytical methods and financial planning on fixed-fee or hourly terms.

Kevin Roche Jr. is a financial advisor with Lifemark Securities Corp. in Hibbing, MN, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has worked with Lifemark since 2018 and has also been involved with Roche Financial Education and Strategies Inc., Bridge Financial Services Group, and Tollefson's Retail Group since 2011 or earlier. Outside of finance, he is engaged in part-time furniture sales at Slumberland Furniture. Lifemark Securities Corp. provides fee-based investment advisory services and financial planning primarily to individual investors and sponsors of participant-directed retirement plans. The firm offers a range of programs including Unified Managed Accounts, Separately Managed Accounts, and Advisor as Portfolio Manager options, with advice tailored through risk assessments and managed on discretionary or non-discretionary bases.

Gary Oie is a financial advisor at Creative Financial Designs, Inc. with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors and OSAIC. Outside of his advisory role, he serves on the boards of two nonprofit organizations: Veterans Community Thrift Store and Security State Bank Foundation. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs a diversified investment approach that includes model portfolios, adviser-directed management, and Biblical Responsible Investing strategies.

Terry Gries is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. His work history includes positions at Riverwood Bank, Wachovia Securities, and The Oak Ridge Financial Services Group. He also operates as an insurance broker through In Source. 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 variety of investment solutions supported by an in-house Research team and combines large-scale advisory operations with non-advisory product offerings.

Ryan Wahlund is a financial advisor with Cetera in Minneapolis, MN, holding a Series 66 credential and seven years of industry experience. His prior roles include positions at Commonwealth Financial Network, Lincoln Financial Advisors, Marsh & McLennan Agency, and Halleland Habicht PA. In addition to his work at Cetera, he is the owner of Wahlund Financial and serves as an advisor for Ryan Financial Group, focusing on retirement plan advisory for defined contribution plans. Cetera Investment Advisers serves individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to third-party money managers across various program structures.

Steven Berry is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining LPL Financial in 2017, he worked at Investment Centers of America, Inc. from 2012 to 2017. He also serves as Vice President at RiverWood Bank. 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 variety of investment delivery options supported by an in-house Research team and a large network of investment adviser representatives.

Vincent Benkusky is a financial advisor with Raymond James Financial in Hibbing, MN. He holds a Series 66 designation and has been in the industry since 2023. Prior to his current role, he worked at the National Bank of Commerce and has experience in education and small business, including involvement with Tom and Jerry's. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, and municipalities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored advice supported by extensive research and a broad affiliate network.

Gregory Stalsberg is a CFA® charterholder with 13 years of industry experience, currently serving as an advisor at Cetera. His prior roles include positions at Commonwealth Financial Network, Lincoln Financial Advisors Corporation, and Jeffrey Slocum & Associates. Outside of his advisory work, he is chair of the committee at Young Life Northern Twin Cities and serves on the board of North Oaks Golf Club. Cetera Investment Advisers supports a diverse client base, including individual, high-net-worth, institutional, and retirement-plan clients, through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing both advisor-managed accounts and firm-sponsored model portfolios.

Collin Petersen is a financial advisor with Cetera in Minneapolis, MN, holding a Series 65 designation and three years of industry experience. His prior roles include positions at Ryan Financial Group and Commonwealth Financial Network. Outside of advising, he has worked at North Oaks Golf Club. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, combining advisor-managed accounts, model portfolios, and third-party managed options with unique retirement and trust capabilities.

Jack Furlong is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2016. Outside of his advisory role, Furlong serves as a board member and treasurer for the United Way of Northeastern Minnesota and provides pro bono financial planning to cancer patients through the Angel Foundation’s Financial Cancer Care Program. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

John Ryan III is a financial advisor at Cetera with 20 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at Commonwealth Financial Network and Lincoln Financial Advisors Corporation, and he is the managing partner of Ryan Financial Group LLC. He serves as an elected board member of Ronald McDonald House Charities – Upper Midwest and is an advisory board member for the National Bank of Commerce in Hibbing, MN. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, utilizing advisor-managed accounts, model portfolios, and third-party managed options within multiple program structures.

Heather Croke is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera in Minneapolis, MN. Her prior roles include positions at Commonwealth Financial Network, Ryan Financial Group, Valmark Securities, and Boulay Financial Advisors. She is also involved with Heather's Humpomeno LLC dba Ryan Financial Group. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing both advisor-managed accounts and firm-sponsored model portfolios.

Michael Mulvahill is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019. Prior to joining Edward Jones, he spent one year at Promotion Management Center and 20 years at Arrowhead Promotion. 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 under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors.

Cheryl Wandmaker is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Piper Sandler Inc. for 38 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves both direct clients and corporate financial planning agreements.

Nicole Karnes is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2013. Outside of her advisory role, she is a dance instructor and co-owner of a weekend dance competition business. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a range of advisory programs, managing approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Michael Stefan is a financial advisor with Edward Jones in Hibbing, MN, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, Stefan is the CEO of Americare Lodges LLC, an assisted living facility in Remer, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm is noted for its extensive advisor network and affiliated capabilities beyond advisory services.

John Buss is a financial advisor with Edward Jones in Hibbing, MN, holding a Series 63 designation and having 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he manages Palava Properties LLC, a rental property business in Mountain Iron, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory services with approximately $1.01 trillion in assets under management, supported by a large network of financial advisors and branch offices nationwide.

Patrick Furlong is a financial advisor with Ameriprise in Hibbing, MN, holding a Series 66 designation and over 22 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves on the board of True North Stars Regional Board and chairs the organization Vote Yes. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michelle Severson is a financial advisor with OSAIC in Hibbing, MN, holding a Series 63 designation and 36 years of industry experience. She previously worked at Transamerica Financial Advisors, Inc. and Signator Investors, Inc. Severson is also the owner of Severson Financial Strategies and Investments LLC, which provides securities and fixed insurance sales and employee benefit packages. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of services such as wealth management, third-party money manager access, retirement plan consulting, and financial planning, utilizing advanced portfolio optimization and asset allocation tools.

Scott Stavn is a financial advisor with Raymond James Financial in Hibbing, MN, holding a Series 63 designation and 39 years of industry experience. His career includes roles at Red Rock Health Insurance and his own firm, Scott Allen Stavn Insurance, prior to joining Raymond James Financial. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a notable emphasis on advisory services that support client decision-making rather than discretionary management.

Marcella Schwecke is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to that, she had roles at Morgan Stanley, Lake Superior Consulting (Waddell & Reed), and the University of Minnesota Duluth. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Troy Loeb is a Series 66-licensed financial advisor with Edward Jones in Hibbing, MN, where he has worked since 2012. He has 13 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated products. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and over 15,000 branch offices.

Oren Bottoms is a financial advisor with OSAIC in Hibbing, MN, holding Series 63 and Series 65 credentials and having 21 years of industry experience. He previously worked at Lincoln Financial Advisors for 21 years before joining OSAIC in 2025. Outside of his advisory role, he owns and operates Bottoms Financial, LLC, which offers a range of insurance products including accident, health, disability, and life insurance. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a combination of risk-tolerance assessments, asset-allocation software, and portfolio optimization tools to manage investments across various asset classes and offers access to multiple custodial platforms and third-party managers.

Michael Furlong is a financial advisor with Ameriprise in Hibbing, MN, holding a Series 66 designation and nine years of industry experience. Prior to his advisory career, he worked for over two decades at Dougherty Funeral Home. He serves on the Board of Directors and as Treasurer of the Chisholm–Hibbing Airport Authority. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Julie Takkunen is a Series 66-licensed financial advisor with six years of industry experience, currently with OSAIC since 2024. Her prior experience includes roles at Securities America Advisors and Raymond James Financial Services. Outside of her advisory work, she is the director and teacher for the Crescendo Youth Orchestra, a nonprofit focused on teaching string instruments to youth in her community, and owns a business that creates music and educational content related to health and wellness. OSAIC is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, pension plans, corporations, and nonprofits. The firm employs a comprehensive investment process incorporating risk tolerance assessments, asset allocation software, and portfolio optimization, offering access to a wide range of investment products and custodial platforms.