Gina Rypkema is a CFP® with 24 years of industry experience, currently serving at Golden State Equity Partners since 2023. She previously worked at Ameriprise Financial Services, Inc. from 2002 to 2023. Outside of her advisory role, she is a board member and treasurer of the Walker Area Pregnancy Support Center. Ascentis Independent Advisors, LLC serves individuals, trusts, retirement plans, and businesses by providing tailored investment advisory services including portfolio management, financial planning, and retirement consulting. The firm employs a combination of asset allocation, fundamental and technical analysis, and uses sub-advisory platforms and a Private Direct Investments program to manage client portfolios.

Heather Bjorgaard is a financial advisor at Ascentis Independent Advisors, LLC with one year of industry experience. She holds a Series 65 designation and previously worked with Golden State Equity Partners, LLC and Arise Wealth Management. Outside of her advisory roles, she operated a childcare business for nine years. Ascentis Independent Advisors serves individuals, trusts, retirement plans, and businesses with customized portfolio management and financial planning. The firm employs a range of investment strategies, including discretionary sub-advisory arrangements and a Private Direct Investments program for alternative assets.

Shelley Lof is a financial advisor at Ascentis Independent Advisors, LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Golden State Equity Partners and Ameriprise Financial Services, Inc. Lof is also involved with Rypkema Operations, LLC, an investment-related outside business. Ascentis Independent Advisors provides investment advisory services to individuals, trusts, retirement plans, and businesses, offering tailored portfolio management and financial planning. The firm utilizes a range of strategies including discretionary sub-advisory arrangements and a Private Direct Investments program.

Timothy O'Donnell is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Morgan Stanley and its related entities since 2007. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured analysis tools and strategic investment modeling.

Kristen Daniels is a financial advisor with Cetera, holding a Series 63 designation and 38 years of industry experience. She has worked with various Cetera entities since 2003. Outside of her advisory role, she assists at a dog daycare facility on weekends a few times a year. 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, retirement plan, and fiduciary services, supported by a combination of advisor-managed accounts, model portfolios, and third-party managed solutions.

Christopher Duff is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and nine years of industry experience. He has worked at Primerica since 2017 and has additional experience in education and various local business ventures. Outside of advising, Duff is involved in real estate investing as a partner and owns a seasonal window washing business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains an operational model centered on tiered wrap fees and ongoing oversight of investment models.

Marsha Smith is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She has worked at LPL Financial since 2017 and has been affiliated with Investment Centers of America since 2013. Smith also serves as an administrative assistant at Citizens National 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 broad range of investment solutions supported by an in-house research team and combines advisory operations with various non-advisory financial products.

Neil Litfin is a financial advisor at Edward Jones in Park Rapids, MN, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Smokey Hills Outdoor Store and O'Reilly's Auto Parts. 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 and offers a range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Daniel Pike is a financial advisor with Edward Jones in Park Rapids, MN, holding CFP® and Series 66 designations and possessing nine years of industry experience. He has been with Edward Jones since 2015, with a brief prior role at Burlingame Masonry. 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 and offers a range of advisory programs, investment strategies, and affiliated services through a nationwide network of more than 23,700 financial advisors.

Brian Behrens is a financial advisor with LPL Enterprise, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Thrivent Financial for Lutherans. Outside of his advisory work, he serves as a board member for Itasca Mantrap Electric Co-Op and as a supervisor for Lake Emma Township. LPL Enterprise provides advisory services to a diverse client base, including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a broad range of securities and insurance products through its broker-dealer and affiliated insurance agency.

Jay Pike is a financial advisor with Edward Jones in Park Rapids, MN, holding a Series 63 designation and 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he serves on the Park Rapids Area Schools Board and the Stewardship Board of St. John's Lutheran Church, and owns a hunting and farmland business. Edward Jones is a full-service wealth management firm serving individual and institutional clients across the United States, with over $1 trillion in assets under management and a network of more than 23,700 financial advisors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

John Martin is a CFP® professional with 20 years of industry experience, currently affiliated with LPL Financial in Park Rapids, MN. He has worked at LPL Financial since 2017 and has been associated with Investment Centers of America, Inc. since 2012. 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 wide range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Kami Evers is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS since 2010 and holds a Series 66 designation. Outside of her advisory role, she works as a retail sales associate and cashier at Home Depot and is a certified notary. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.