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.

Kyle Duclos is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 13 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2012. Outside of his advisory role, Kyle serves as a play-by-play announcer for local high school basketball games on Leech Lake Television. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based planning across multiple financial topics, with an option to combine planning with managed accounts under a consolidated billing program called “WealthPlan.”

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.

Derek Jensen is a financial advisor at Edward Jones with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2014. 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 and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Andrea Johnson is a financial advisor at Stifel with 17 years of industry experience. She holds the Series 66 designation and has been with Stifel since 2009. Prior to that, she worked at UBS Financial Services beginning in 2007 and has been associated with The Boulders since 2004. Outside of her advisory work, Johnson serves on the boards of Walker Rotary and Paws and Claws Animal Shelter and is involved as a distributor for Young Living essential oils and a consultant for Oliveda skincare. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

David Clausen is a financial advisor with Stifel, holding the CFP® designation and Series 63 and 66 licenses, and has 29 years of industry experience. He has worked at Stifel since 2009 and previously was with UBS Financial Services and U.S. Bancorp Piper Jaffray. Clausen serves on the boards of the Confidence Learning Center, which supports people with developmental disabilities, and the Sibley Lake Lake Association Lake Improvement District. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary analyses developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

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.

Brent Fassett is a financial advisor with Thrivent Investment Management, holding a Series 66 credential and bringing 16 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Outside of his advisory role, he serves as an elder at Prince of Peace Evangelical Lutheran Church and is Vice Chair of the Board of Directors for Lutheran Island Camp and Christ Serve Ranch, which provide faith-based summer camp programs for youth. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option, emphasizing periodic plan reviews and advisor-led plan updates.

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.

Michael Zigler is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and bringing 43 years of industry experience. Before joining LPL in 2018, he worked at INVEST Financial Corporation for nine years. Outside of his advisory role, he is involved with Life Brokerage Financial Group, which offers non-variable insurance products. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan participants, institutions, and charities. The firm offers a wide range of investment solutions supported by an in-house Research team and delivers services through a large network of investment adviser representatives.

Sarah Ashmore is a financial advisor at Edward Jones with 9 years of industry experience. She previously worked for Stifel Nicolaus for 10 years before joining Edward Jones in 2022. Outside of her advisory role, she works as a server at a local restaurant on weekends and as needed. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of advisory programs and investment solutions, with a large network of financial advisors and branch offices across the United States.