Doreen Douvier is a financial advisor with Primerica Advisors in Waite Park, MN, holding Series 65 and Series 63 licenses and possessing 24 years of industry experience. Her prior work includes roles at Medtronic, Real Staffing, and Reprise Biomedical. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Cody De Groot is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 registrations and has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joan Colindres Spring is a financial advisor at Cetera with three years of industry experience. She holds a Series 66 designation and has worked at Cetera and Cetera Investment Services LLC since 2022. Prior to her advisory roles, she was affiliated with Christ Church Newman Center for ten years. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors, utilizing multiple program structures and both discretionary and non-discretionary authorities.

Brian Zimny is a Series 66-licensed financial advisor with RBC Capital Markets in St. Cloud, MN, where he has worked since 2009. He has 21 years of industry experience. Outside of his advisory role, he serves as a committee member for the Boys and Girls Club of Central Minnesota and holds the position of secretary for Val Halla Villa, Inc., a homeowners association. RBC Wealth Management serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining in-house and third-party investment management, tailored to clients’ risk profiles and preferences.

Kurt Yelle is a financial advisor at Stifel with 34 years of industry experience. He has been with Stifel since 2006 and holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide analysis and allocation guidance that supports client decision-making.

Nyles Gentz is a financial advisor with OSAIC, holding a Series 63 designation and bringing 30 years of industry experience. He has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, and Questar Capital Corp. Gentz is also the co-author of a book titled *Sowing the Seeds of Retirement*, with proceeds benefiting the Wounded Warrior Project. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and advisory platforms, offering integrated brokerage and investment advisory services along with access to multiple third-party money managers and managed-account solutions.

Alexander Brooks is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. He has been associated with Cetera and its affiliated entities since 2003. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes 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, supported by over 10,000 advisors and managing more than $256 billion in assets.

Jaclyn Gwost is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, as well as corporate and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment options under a fiduciary standard.

Caroline Chance is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 13 years of industry experience. She has been affiliated with various Cetera entities since 2003. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform, providing access to both affiliated and third-party investment solutions.

Alex Scepaniak is a financial advisor at Osaic Wealth Inc. with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Primerica Advisors and Primerica Financial Services. Outside of advisory work, he is involved in the sale of home security and automation products and loan referral services through affiliated companies. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of financial services delivered through a large network of affiliated advisors and utilizes a variety of asset allocation tools, third-party managers, and automated portfolio management solutions.

Darin Amundson is a financial advisor with UBS Financial Services in St. Cloud, MN, holding Series 63 and Series 66 registrations and bringing 22 years of industry experience. He has been with UBS since 2006 and serves concurrently in the U.S. Army Reserve as a Staff Sergeant with responsibilities in water distribution. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering access to proprietary research, market-making activities, and affiliated banking programs.

Ashley Roelike is a financial advisor at Cetera with four years of industry experience. She holds the Series 66 designation and has been with various Cetera entities since 2012. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Nicole Miller is a financial advisor at Cetera with 16 years of industry experience. She holds Series 63 and Series 65 licenses. Her work history includes multiple roles within Cetera-affiliated firms since 2006 and prior experience with LPL Financial and Woodbury Financial Services. Outside of her advisory work, she serves as a durable power of attorney for a family member. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing various program platforms and investment strategies.

Kevin Bright is a financial advisor at OSAIC with nine years of industry experience. He has held positions at Woodbury Financial Services and Allianz Life, and owns Bright Financial Services LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations. The firm offers integrated brokerage and advisory services with access to multiple investment platforms and third-party managers.

Regan Johnson is a financial advisor at Ameriprise with 15 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2010. Outside of advisory work, he is co-owner of St. Cloud Financial Planning Services, which provides secretarial and office administration support to financial planning practices, and serves as a sergeant in the Minnesota National Guard. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing non-discretionary, research-driven recommendations on income, Social Security, and tax strategies. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Rachael Egge is a financial advisor with UBS Financial Services in St. Cloud, MN, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2017, she worked at Kensington Bank and spent five years at Peters Body Shop. Outside of her advisory role, Egge owns and operates Spaw Day Dog Grooming LLC and works as a sous chef at St Cloud Downtown Hotel, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, using proprietary market assumptions and research to tailor portfolio and financial plans. The firm combines institutional trading capabilities with wealth management and offers a broad range of financial products and capital markets services.

Jacob Scattergood is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has been with Cetera and its affiliates since 2019 and has prior work experience in compliance, supply, and outdoor services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including 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 over 10,000 advisors and more than $256 billion in assets under management.

Erik Hanson is a financial advisor at Thrivent Investment Management with 15 years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written recommendations on a variety of financial topics without managing client portfolios on a discretionary basis. The firm combines holistic, goal-based planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Kelly Hoppe is a financial advisor with Ameriprise in Becker, MN, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise since 2015 and previously worked at the Becker Community Center for two years. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Deborah Gunderson is a financial advisor with Cetera, holding a Series 66 designation and bringing 29 years of industry experience. She has been with Cetera and Cetera Financial Institutions since 2013. Outside of her advisory role, she serves as power of attorney for her son, Jacob Gunderson. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a variety of portfolio management and financial planning services through a large nationwide network of independent advisors.