Justin Shirky is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior roles include positions at Northwestern Mutual and B & F Fastener Supply. Outside of financial advisory work, he owns Blackwater Recovery, LLC, and works part-time as a driver for Uber and Lyft. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-delivery investment strategies managed by unaffiliated asset managers and provides trade execution and custody through established partners.

Esley Henkes is a financial advisor at Robert Baird & Co. with Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Baird in 2020, Henkes worked at Associated Bank and Upper Iowa University. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and investment management services, utilizing a mix of manager-traded and model-traded strategies, tax management, and ongoing home-office research.

David Davies is a financial advisor with Robert W. Baird & Co. in Onalaska, WI, holding Series 63, 65, and 66 licenses and has 19 years of industry experience. He has been with Robert W. Baird since 2008. Outside of his advisory role, he owns and manages several non-investment businesses, including an internet marketing company and a video and photography firm. David is part of The DDK Group at Robert W. Baird, which serves individuals, families, pensions, corporations, and institutional clients by offering tailored financial planning, portfolio management, and consulting services. The firm employs a variety of investment strategies and overlays, including traditional and non-traditional allocations, and also provides municipal advisory and public finance services.

Daniel Radtke is a financial advisor with Wells Fargo Clearing in La Crosse, WI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Associated Investment Services, Inc. from 2004 to 2015. Outside of his advisory role, he has been involved with Midwest Family Radio Inc. since 2008. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, supported by research from the Wells Fargo Investment Institute and third-party databases.

Colin Dickman is a financial advisor with Primerica Advisors in La Crosse, WI, holding Series 63 and Series 65 licenses with five years of industry experience. He has worked with Primerica Advisors since 2021 and has additional experience with Primerica Financial Services dating back to 2019. Outside of finance, he is involved as a delivery driver for Spark Delivery in La Crosse. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies developed by third-party asset managers and supports clients through a large network of advisors and offices.

Dennis Kowalke Jr. is a financial advisor with Primerica Advisors in La Crosse, WI, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His professional background includes roles in transportation and training companies as well as involvement with Pfs Investments Inc. Outside of his advisory work, he has associations with multiple businesses in transportation and entertainment fields. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven strategies supported by third-party asset managers and custodians.

Jason Thurow is a financial advisor with Primerica Advisors in La Crosse, WI, holding Series 63 and Series 65 licenses and having seven years of industry experience. His prior work includes roles at Leer Inc., The Toro Company, and Mathews Inc. He is involved in sales of investment-related products and also receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors acts as sponsor and discretionary portfolio manager for a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports trade execution and custody through established financial service providers.

Kurt Pfuhl is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 35 years of industry experience. He has been associated with Primerica Advisors since 1989 and operates KM Pfuhl Inc., a business formed for Primerica purposes. In addition to his advisory role, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and maintains oversight of model implementation and trading.

Stacey Klein is a financial advisor with Primerica Advisors in La Crosse, WI, holding Series 63 and Series 65 credentials and 14 years of industry experience. Her background includes roles in local government and healthcare administration, alongside managing business ventures such as Harry's Place. Klein has been affiliated with Primerica Financial Services since 2011 and PFS Investments Inc. since 2012. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-driven investment strategies and offers advisory services through a large network of advisors.

Sandra Ripley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and with nine years of industry experience. Her work history includes roles at Cashton Vet Clinic, Jenkins, Stittleburg and Menn Law Office, and Duluth Trading Co. She also has a longstanding association with Primerica Financial Services since 2000. Outside of advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a firm that provides a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering model-based investment strategies managed by third-party asset managers.

Gabriel Hicks is a CFP® with 26 years of industry experience, currently serving at Raymond James Financial in La Crosse, WI. His prior experience includes roles at Wells Fargo Clearing and M&I Financial Advisors, Inc. He has been involved with First Lutheran Church since 2005. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, supports municipal and public-finance work, and delivers advisory programs through a broad network of advisors.

Todd Olson is a financial advisor with Edward Jones in Onalaska, WI, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has been with Edward Jones since 2008. Olson is a shareholder owning 17% of Safety Monster LLC, a manufacturing business based in Edina, MN, although the business is currently inactive. 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 wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Flanagan is a financial advisor with Osaic, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. Prior to joining Osaic Wealth in 2023, he spent 30 years at Royal Alliance Associates, Inc. He is also the owner of Flanagan Financial, Inc., and serves on the board of the Riverland Endowment Trust and Bethany Lutheran Homes, reflecting involvement in nonprofit governance. Additionally, he leads Functional Biosciences, Inc., a company specializing in DNA sequencing and related services. Osaic Wealth, Inc. serves a diverse client base that includes individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to create portfolios across various asset classes.