Nicholas Garramone is a Series 66 credentialed financial advisor with Edward Jones in Duluth, MN, where he has worked for 13 years. Outside of his advisory role, he serves as the head baseball coach at Marshall High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and maintaining a large nationwide network of financial advisors and branch offices.

Danielle Defeyter is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds a Series 66 designation and previously worked at LPL Financial, Independent Advisor Alliance, Wells Fargo Clearing, and Ameriprise Financial Services. Outside of her advisory career, she has been employed as a server at Perkins Restaurant since 2000. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles and investment preferences.

Zachary Gerlach is a financial advisor with Raymond James Financial in Duluth, MN, holding Series 65 and Series 63 licenses and five years of industry experience. His prior roles include positions at Allianz Life Financial Services LLC and Guardian Life Insurance. He is also affiliated with Ascential Wealth Advisors in a non-investment capacity. 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, and institutional investors. The firm offers tailored non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Rickie Derks is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds a Series 66 designation and has held roles at Thrivent Financial since 2022, following prior positions at Cognate BioServices and several other organizations. Outside of his advisory work, Derks is a board member of the Empowered Women's Network, a group focused on connecting and empowering women in life and business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering goal-based financial planning without discretionary portfolio management. The firm’s approach includes broad financial topics and allows clients to integrate planning with managed-account programs through a consolidated billing option.

Michael Henderson is a Wealth Management Advisor and a CERTIFIED FINANCIAL PLANNER® professional affiliated with the Sieh Henderson Group at Merrill Lynch Wealth Management. He focuses on helping clients realize and achieve their financial goals through comprehensive wealth management strategies. Michael's areas of expertise include working with retirees and those nearing retirement, as well as clients in the wealth accumulation stage of life, employing a goals-based approach to wealth management tailored to individual financial aspirations. Prior to his role in wealth management, Michael served as an officer in the United States Army for ten years, during which he piloted helicopters and airplanes on stateside and deployed assignments including Operation Iraqi Freedom and the Republic of Korea. He earned his bachelor's degree from Saint John's University in Collegeville, Minnesota, where he also received his commission into the U.S. Army. Michael's military experience has influenced his approach to client relationships, emphasizing trust and integrity, and inspiring his commitment to assisting active military members and veterans transitioning to civilian life. Michael grew up on a dairy farm in South Dakota and now lives in Duluth with his two children. He enjoys outdoor activities such as skiing, biking, fishing, hiking, and flying. He is involved in his community and maintains professional connections through Merrill Lynch.

Carrie Kelley is a CFP® with 13 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. She previously operated her own advisory entity, Carrie Kelley LLC, and held roles at Lake Rock Wealth Management and various insurance agencies. Kelley has experience across multiple firms including Waddell & Reed, Inc. and Susan Stelman. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management programs supported by extensive operational and research tools.

Dylan Kolquist is a financial professional at Cetera with four years of industry experience. He holds a Series 66 designation and has worked at multiple firms including Northwestern Mutual and Sellwood Partners. In addition to his advisory role, he is involved with Northview Financial Partners as a financial professional and serves as a client service associate supporting office operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a nationwide network of advisors, utilizing a multi-manager platform that includes affiliated and third-party managers with various program options.

Alecia Mc Kay Jones is a CFP®-certified financial advisor with eight years of industry experience. She is currently affiliated with RBC Capital Markets and City National Bank, and previously worked at Pettibone Heavy Equipment Group/Barko Hydraulics. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s Advisory Risk Profile using both in-house and third-party investment resources.

Kristin Yapel is a financial advisor at RBC Capital Markets with 24 years of industry experience. She holds the Series 66 credential and previously worked at Merrill Lynch for 20 years before joining RBC in 2019. Outside of her advisory role, she is involved in selling collectibles on the Mercari app and occasionally assists with bookkeeping and game operations for a local private high school's basketball games. RBC Wealth Management serves individual investors, institutions, corporations, and charitable organizations, offering customized portfolio management and financial planning through a variety of wrap fee advisory programs. The firm utilizes a mix of internal and external investment managers and provides integrated services including tax management and responsible-investing options.

Alexander Lavalle is a financial advisor at RBC Capital Markets with eight years of industry experience. He holds the Series 66 designation and has been with RBC Capital Markets, LLC since 2015. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies based on each client’s Advisory Risk Profile, utilizing both in-house and third-party investment managers.

Michael Owens is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Raymond James and its affiliated firms since 2009. Owens is also an officer and one of three business owners of Ascential Wealth Advisors, a support company managing business operations for his Raymond James advisory practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Kathleen Beasley is a CFP®-designated financial advisor with Ameriprise in Duluth, MN, bringing 46 years of industry experience. She has been with Ameriprise and its predecessor firm since 1979. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Rebecca Hudoba is a financial advisor with Edward Jones in Duluth, MN, holding a Series 66 credential and seven years of industry experience. She has been with Edward Jones since 2018 and previously worked at Premier Biotech, Inc. from 2014 to 2018. Hudoba serves on the boards of Northwood Children's Services and Northwood Children's Foundation in Duluth. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Chase Sams is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining LPL Financial, he worked at the University of Minnesota Duluth and Sams Building and Design Consultants, as well as Hermantown Schools. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Daniel Elnes is a financial advisor with Edward Jones in Duluth, MN, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, he owns and manages several real estate properties in the Duluth area. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.