Ryan Kaiser is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Woodbury Financial Services, Inc. and OSAIC. 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, and institutional platforms.

Christopher Burque is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Minneapolis, Minnesota. He joined Merrill Lynch in 1998 and has since developed significant expertise in working with senior executives, assisting them with employee stock options, restricted stock, and managing concentrated stock positions through sophisticated hedging strategies. As a qualified Portfolio Manager, Christopher provides traditional advice and guidance, while also managing personalized or defined investment strategies on a discretionary basis that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Christopher holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Certified Investment Management Analyst® (CIMA®) designation following coursework through The Wharton School, University of Pennsylvania. He earned degrees in Finance, Investment Banking, Management, and Human Resources from the University of Wisconsin-Madison, where he was a member of the Golden Key National Honor Society. He is an active member of the Investments & Wealth Institute™ and contributed to the development of updated questions for the CIMA® examination. In addition to his advisory role, Christopher has held leadership positions within Merrill, including Associate Director of the Twin Cities Metro Complex and coaching roles for financial advisors and management staff. He has served on the boards of the YMCA of Dane County and held positions with United Way in Dane County and the Twin Cities. Christopher resides in Minnetonka with his wife Jill and their two children. His personal interests include boating, football, golfing, ice hockey, skiing, and spending time with his family.

Paul Melancon is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 26 years of experience in the financial advisory field. In his role as a Portfolio Manager within Merrill's Investment Advisory Program, Paul focuses on developing and implementing customized investment strategies to help clients achieve their financial goals. His approach prioritizes clients' objectives while maintaining attention to market dynamics. Paul's expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds an MBA in Finance from the University of Chicago Graduate School of Business and a bachelor's degree in Finance from the University of Wisconsin-Madison. Additionally, Paul has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional activities, Paul lives in Minneapolis with his wife and two children. He volunteers at Loaves and Fishes, contributing to food preparation and distribution for those in need. His personal interests include cooking, hiking, reading, spending time with his family, and traveling.

John Walsh is a financial advisor with RBC Capital Markets and holds Series 63 and Series 65 designations. He has 32 years of industry experience and has been with RBC Capital Markets since 2010. He also has a concurrent role at City National Bank beginning in 2019. 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 fee-based advisory programs and customizes investment strategies based on each client’s Advisory Risk Profile, utilizing both in-house and third-party investment managers.

Lucas Ratanawong is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 66 designation and four years of industry experience. He has been with Ameriprise and its affiliated entities since 2020. Prior to his career in finance, he worked in roles including at Shoreline Sightseeing in Chicago and held positions related to parks and recreation and education. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Fred Lawless II is a CFP® and ChFC® with 33 years of industry experience, currently advising at Ameriprise in Shoreview, MN. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is an owner of LCBO, LLC, a business that manages aspects of his Ameriprise practice. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, combining proprietary research, algorithmic tools, and collaboration between a centralized service team and individual advisors.

Russell Lewis III is a financial advisor with RBC Capital Markets in Stillwater, MN, holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked at RBC Capital Markets since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Lewis serves on the board of the IDTS Medical Foundation, a nonprofit organization supporting patients who cannot afford respiratory care. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs and employs tailored investment strategies using both in-house and third-party managers.

Michael Davison is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Clayton St George is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Fortis Investors, Inc. and Fortis for over 30 years. Outside of advisory work, he is involved in fixed insurance sales. OSAIC serves a diverse client base including individual, high-net-worth, pension, and institutional investors through a broad network of affiliated advisers and advisory platforms, offering integrated brokerage and advisory services with a focus on asset allocation and portfolio construction using a variety of investment products.

Braden Dodds is a financial advisor with Osaic Wealth, Inc., holding a Series 66 designation and one year of industry experience. He has prior experience at Wells Fargo Home Mortgage, where he worked for ten years. Dodds operates an investment advisory LLC, Dodds Investment Solutions, using Osaic as the broker-dealer. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment solutions, utilizing asset allocation tools and offering access to third-party money managers and wrap programs.

Richard De Souza is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services for busy professionals. He focuses on retirement planning, college education planning, insurance and risk mitigation, financial strategies, legacy planning, and access to lending and cash management services through Bank of America. Richard works closely with his clients to develop clear financial goals and strategies, enabling them to preserve their most important assets and concentrate on their careers and families. With over 14 years of experience in the financial services industry, Richard began his career in 2008 and has since supported clients through various complex financial needs, including portfolio management and retirement income distribution planning. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) certification. Richard earned a Bachelor's degree from the University of Minnesota System. Richard lives in Minneapolis and volunteers with Books for Africa, a nonprofit organization dedicated to collecting and distributing books to African students. In his free time, he enjoys biking, cooking, golfing, music, soccer, table tennis, and traveling.

Adam Johnson is a financial advisor with Ameriprise in Woodbury, MN, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliate since 2010. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brandon O Hara is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Wealth Enhancement Advisory Services, LPL Financial, Cetera Advisor Networks, and Thrivent Investment Management. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, providing comprehensive, goal-based planning across various financial topics without discretionary portfolio management.

Christel Ingles is a financial advisor with Ameriprise in Minneapolis, holding a Series 66 designation and eight years of industry experience. She previously worked at Northwestern Mutual - Columns Resource Group from 2010 to 2018 before joining Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a written Recommendation Report and ongoing advice. The firm’s approach integrates proprietary investment research and third-party data to support tax-aware withdrawal strategies and Social Security claiming options.

Matthew Adey is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 credential and has worked at firms including PGIM Investments, Prudential Investment Management Services, and BlackRock Financial Management. Adey is currently based in St. Paul, MN. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies, including Monte Carlo simulations and the use of secular return estimates.

Courtney Saul is a financial advisor with Wells Fargo Clearing in Minneapolis, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, Saul worked at Thrivent Financial and Wings Credit Union, among other roles. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related products and bank deposit sweep programs.

Christopher Pankratz is a CFP® with 38 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has worked at Financial Dimensions Group, Inc. for 23 years and has been with Osaic Wealth, Inc. (formerly Royal Alliance Associates, Inc.) for over 31 years. In addition to his advisory role, he owns a sole proprietorship providing life and long-term care insurance services. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage, investment advisory, and financial planning services. The firm uses various tools for portfolio construction and supports multiple advisory platforms and third-party managed account solutions.

Thomas Westlund is a financial advisor with Ameriprise in Excelsior, MN, holding Series 63 and Series 66 designations and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to provide tailored, algorithm-assisted recommendations primarily for assets managed within Ameriprise accounts.

Emma Broderick is a Financial Consultant I specializing in helping clients pursue their financial goals through trust, transparency, and ongoing guidance. She focuses on creating an environment where clients feel safe and supported in making informed financial decisions. Emma works collaboratively with clients to develop personalized financial plans that provide clarity and confidence at every stage of life. Outside of her professional role, Emma has interests in fitness, food, gardening, music, outdoor adventures, and parenthood.

Patrick Zastrow is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Primerica Financial Services since 1999 and with Primerica Advisors since 2018. Outside of advisory roles, he is involved part-time in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing, with approximately $15.5 billion in assets under management.