Ryan Wahlund is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. He has worked at Commonwealth Financial Network and Lincoln Financial Advisors, and he currently operates two financial services businesses: Wahlund Financial, which he owns, and Ryan Financial Group, where he provides retirement plan advisory services for defined contribution plans. Based in Hibbing, MN, he has been with Cetera since 2026. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. It offers portfolio management, financial planning, ERISA retirement services, and access to a range of third-party money managers through a multi-manager platform.

Gregory Stalsberg is a CFA® charterholder with 14 years of experience in the financial industry. He is currently an advisor at Cetera and serves as Chief Investment Officer at Ryan Financial Group. Prior to joining Cetera, Stalsberg worked at Commonwealth Financial Network and Lincoln Financial Advisors. He is involved in community activities as the Committee Chair for Young Life Northern Twin Cities and serves on the board of North Oaks Golf Club. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform through a nationwide network of independent advisors. The firm serves individual clients, retirement plans, corporate and charitable entities, and institutional accounts with a range of portfolio management and financial planning services.

John Ryan III is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Cetera and has held prior roles at Commonwealth Financial Network, Lincoln Financial Advisors Corporation, and as managing partner of Ryan Financial Group LLC since 2012. In addition to his advisory work, he serves as an elected board member for Ronald McDonald House Charities - Upper Midwest and is an advisory board member for the National Bank of Commerce in Hibbing, MN. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and consulting services, supporting over 10,000 advisors and approximately $256 billion in assets under management.

Heather Croke is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Cetera. Her prior experience includes roles at Commonwealth Financial Network, Ryan Financial Group, Valmark Securities, and Boulay Financial Advisors. She is also associated with Heather's Humpomeno LLC dba Ryan Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.