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 at LPL Financial with 26 years of industry experience and holds Series 63 and Series 65 credentials. He has been with LPL Financial since 2004. Outside of advisory activities, he owns farmland used for hunting and crop production. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms, supporting advisors with various investment strategies and operational tools.

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. His prior work includes roles at Bremer Bank, Raymond James Financial Services, and Northwestern Mutual. He serves as a board member of the Cold Spring Fire Department Relief Association and is involved with the City of Cold Spring. 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 offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, and institutions.

Patrick Goltz is a financial advisor at LPL Financial with 20 years of industry experience. He has held his current position since 2010 and previously worked at Edward Jones from 2008 to 2010. He holds Series 63 and Series 66 licenses and is based in Avon, Minnesota. Outside of his advisory role, Goltz is involved with Atlas Staffing in the Minneapolis/St. Paul area on a part-time basis. 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 portfolios, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of strategies.

Kenneth Olson is a financial advisor with LPL Financial in Sartell, MN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously operated Kenneth H.T. Olson Ltd for 43 years before joining LPL Financial in 2015. Outside of his advisory role, Olson serves as chief manager of Pine Point Aviation, an entity that holds his personal airplane. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial products and partnerships.

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.

Deborah Clausen is a financial advisor at Thrivent Investment Management with 13 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its related entities since 2012. Outside of her advisory role, Clausen serves as a board member for Big Brothers Big Sisters of Central Minnesota and the Women's Fund Advisory Board, and she has volunteered as a minor official for St. Cloud State University hockey since 1998. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors, offering goal-based, holistic planning without discretionary trading authority and the option to combine planning with managed-account programs under a consolidated billing system called “WealthPlan.”

Anthony Watson is a CFP®-designated financial advisor with 28 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2020, and previously spent 19 years with Cetera Investment Services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits. The firm offers goal-based, holistic planning on topics such as retirement, tax, estate, and special needs planning, with an option to combine planning and managed-account services through its WealthPlan program.

Peter Mullin is a financial advisor with LPL Financial in Saint Cloud, Minnesota, holding a Series 66 designation and 18 years of industry experience. Prior to joining LPL Financial in 2011, he worked at Edward Jones from 2008 to 2011. Outside of his advisory role, Mullin is an author and serves as a planning commissioner on a nonprofit board in Rogers, Minnesota. 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 financial planning and investment management services delivered through a large network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Winifred Anderson is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining Cetera, she worked in education for ten years with ISD 47. She serves as a volunteer board member for the Minnesota Military and Veterans Museum, assisting with educational outreach. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutions through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Colleen Knafla is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. She has worked at several Cetera-affiliated entities since 2019 and has prior experience with Ameriprise Financial Services and other firms. Outside of her advisory role, she serves as a volunteer captain firefighter and EMT responding to 911 calls in Clear Lake, Minnesota. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers across various program structures.

Steven Pignato is a financial advisor with Cetera, holding a Series 66 designation and currently based in St. Cloud, MN. He has been with Cetera Investment Advisers since 2026 and Cetera Investment Services LLC since 2024. Prior to his advisory roles, he worked in various positions including at Carolina Beverage Group LLC - Cold Spring Brewery and Tesla Energy, and has experience in educational programs and solar energy. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a large network of over 10,000 advisors and managing more than $256 billion in assets.

Valerie Timm is a financial advisor at Edward Jones in Sauk Rapids, MN, holding a Series 66 designation. She has 27 years of industry experience, including 26 years at Old National Bank prior to joining Edward Jones in 2026. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Alexander Coulter is a financial advisor at RBC Capital Markets in St. Cloud, MN, with 12 years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2018, following prior experience at Schluchter Investment Advisors from 2013 to 2018. 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 a variety of advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Alex Doering is a financial advisor with Cetera, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Cetera, he spent three years at Midwest Machinery and eight years in full-time education. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated investment options.

Blake Kral is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. He has worked at Cetera and its affiliated entities since 2024 and owns a seasonal dock installation and removal business. Blake also serves as an elected board member of the Brainerd Chamber of Commerce, where he assists with event planning and member engagement. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Michael Swanson is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations aimed at managing income sources and withdrawal strategies.