Jacob Kunz is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His work history includes various roles within Cetera-affiliated entities since 2017 and prior employment in multiple customer service positions. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Joshua Hall is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. He has served in the Navy since 2010 and has been with Primerica Advisors and Primerica Financial Services since 2021. Outside of advisory roles, Hall is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

David Christians is a financial advisor with Wells Fargo Clearing in Saint Cloud, MN, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Leann Rummel is a financial advisor with Cetera in St. Cloud, MN, holding a Series 63 designation and 34 years of industry experience. She has been with Cetera and its affiliated entities since 1992. 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 nationwide network of over 10,000 advisors.

Nicholas Taylor is a financial advisor with Ameriprise in St. Cloud, MN, holding a Series 66 designation and two years of industry experience. His prior work includes roles at St. Cloud Country Club, Western Michigan University, UPS Store, Standard Market, and Indian Prairie School District. Outside of Ameriprise, he manages an advisory business through Oasis DEG in Edina, MN. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing tailored recommendation reports that address income, Social Security, and tax strategies. The firm combines algorithmic automation with personalized review to deliver these services and supports a broad range of advisory, brokerage, and insurance solutions.

Garrett Miller is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he leads a financial planning team at Oasis DEG, Inc., managing practice operations. Ameriprise serves clients primarily through its retirement-income planning service, which targets individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in coordination with a client’s financial advisor.

Sue Swanson is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and having four years of industry experience. Prior to joining Ameriprise in 2021, she worked for Marco Technologies, LLC for ten years. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, delivered through a centralized consulting team in partnership with client advisors.

Anne Nienaber is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. She has been affiliated with various Cetera entities since 2002 and has also worked at First Allied Securities and Girard Securities. Outside of her advisory role, she serves as secretary for a farmland-related business, Rock’n Hills LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to multiple program structures, third-party managers, and discretionary and non-discretionary accounts.

David Jacobs is a financial advisor with Cetera, holding CFP® and Series 63 designations and bringing 23 years of industry experience. He has worked at firms including Securian Financial Services and Minnesota Life Insurance Company, and currently operates David M. Jacobs & Associates, Inc. Outside of his advisory role, Jacobs is involved in financial services through North Star Resource Group and owns JF Legacy Properties LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate entities, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with access to various program structures and third-party money managers.

Daniel Silva is a financial advisor with Cetera in St. Cloud, MN, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Cetera and its affiliate, Cetera Investment Services LLC, since 2018. Prior to that, he worked at Pruco Securities LLC and had a brief period of unemployment. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform that combines affiliated and third-party investment options, supported by extensive resources and a large nationwide advisor network.

Paul Tomczik is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010. 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 under management and offers a variety of advisory strategies and affiliated investment products through a nationwide network of financial advisors and branch offices.

Nichole Kircher is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. She has been with Cetera and its affiliated entities since 2004. Outside of her advisory role, she is involved in network marketing of health and wellness products through LSAGENIX INTERNATIONAL. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party managers across various program structures.

Andrea Kucala is a financial advisor at Cetera with four years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Northwestern Mutual, and other firms. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform that includes model portfolios and third-party managers.

Bryant Hanna is a financial advisor with Thrivent Investment Management in Saint Cloud, MN. He holds a Series 66 designation and has been with Thrivent since 2025. Prior to joining the firm, he worked at various organizations including St Cloud State University and Lies Law Office. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed account services under a consolidated billing option called WealthPlan.

Terry Hjort is a financial advisor with LPL Financial in St. Cloud, MN, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with LPL Financial since 2004. Outside of his advisory role, Hjort jointly owns farmland used for hunting and crop production. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jon Douvier is a financial advisor with LPL Financial in St. Cloud, MN, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with firms including Old National Bank, Bremer Bank, Raymond James Financial Services, and Northwestern Mutual. Outside of his advisory role, Douvier serves on the board of the Cold Spring Fire Department Relief Association and is involved with the City of Cold Spring. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services, offering both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Patrick Goltz is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2010. Outside of his advisory role, he is involved in Atlas Staffing, a non-investment-related business in the Minneapolis/St. Paul area. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kenneth Olson is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He was previously associated with his own firm, Kenneth H.T. Olson Ltd, for over four decades before joining LPL Financial in 2015. Outside of advising, he is the chief manager of Pine Point Aviation, an entity that holds his personal airplane. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, leveraging both proprietary and third-party research, and provides various portfolio management and participant advice solutions.

Matthew Hary is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in Saint Cloud, MN. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by affiliated research and model manager options.

Zachary Mc Broom is a financial advisor with Ameriprise Financial Services in St. Cloud, MN, holding a Series 66 designation and seven years of industry experience. Prior to his current role, he worked at MidWestOne Bank from 2016 to 2018. He serves on the Board of Directors for Saint John's J-Club in Collegeville, MN. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning and tax-aware withdrawal strategies, supported by proprietary research and third-party analysis.