Sara Smith is a financial advisor with LPL Financial in Pine City, MN, holding Series 63 and Series 65 credentials and 18 years of industry experience. She previously worked at Investment Centers of America and has been associated with Frandsen Bank & Trust for over two decades, where she serves as Vice President and Retail Manager. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, supported by technology tools, and oversees over $819 billion in discretionary assets across a large network of advisors.

Joshua Lartch is a financial advisor with LPL Financial in Pine City, Minnesota, holding a Series 66 credential and four years of industry experience. He has worked with Frandsen Bank & Trust since 2018 and previously was involved with Innovative Egress Windows, Inc. Since 2018, Lartch has served as a director on the board of the Pine County Agricultural Society, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various investment strategies and institutional platforms.

Robert Root is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently affiliated with LPL Financial and Frandsen Bank & Trust, where he has worked since 2017. His prior experience includes roles at Securities America, Investment Centers of America, Inc., and Gähler Investment Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advisor-facing tools and a broad platform that includes affiliated insurance and banking services.

Michael Ritland is a financial advisor with LPL Financial in Pine City, MN, holding a ChFC® designation along with Series 63 and Series 66 licenses. He has 28 years of industry experience, including previous roles at Investment Centers of America, Bancwest Investment Services, Inc., and Cetera Investment Services LLC. He is also active as an agent with Frandsen General Agency, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers a variety of financial planning and investment management solutions to individuals, retirement plan participants, and institutions, with a focus on combining advisory platforms with a broad range of financial services.