Andrew Jacobs is a financial advisor with Cetera who holds the ChFC® and Series 63 designations and has 22 years of industry experience. His prior experience includes roles at Securian Financial Services, Inc. and Cri Securities, Inc. He also owns Jacobs Family Ventures LLC, which manages a vacation lake rental home. Cetera Investment Advisers LLC serves 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, supported by a large nationwide network of over 10,000 advisors.

Katherine Roos is a financial advisor with Ameriprise in Cold Spring, MN, holding a Series 63 designation and 18 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, she serves as a Plexus Ambassador, promoting wholesale nutritional supplements focused on gut health. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, using a combination of research, modeling, and tax-efficient strategies to generate non-discretionary recommendations through a centralized consulting team.

Michael Karl is a financial advisor with UBS Financial Services in St. Cloud, MN, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with UBS since 2006. Outside of his advisory role, he serves as chair of the Central MN Community Foundation Professional Advisors Committee and holds leadership positions in several organizations, including as president of the Sky Manor Aero Club board and CEO of Lower Town Music, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals. The firm combines institutional trading capabilities with wealth management and operates as a broker-dealer, investment adviser, and futures commission merchant.

Brendon Bryan is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has worked with several Cetera entities and other firms since 2010. Outside of his advisory role, he is involved in an office cleaning business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, 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 with access to affiliated and third-party managers.

Luke Zahm is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Erik Swanson is a financial advisor with Ameriprise in Sartell, MN, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 1998. Outside of his advisory role, he is co-owner of Integrity Point, LLC and Midwest Excellence LLC, and also co-owns a real estate business, Integrity Point Real Estate LLC. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients, emphasizing managed accounts and using algorithmic tools alongside personalized review.

Naomi Kowalik is a financial advisor at OSAIC with 35 years of experience in the industry. She holds Series 63 and Series 65 licenses and has previously worked with Woodbury Financial Services, Questar Capital, and Valmark Advisors. Outside of advisory work, she is also an attorney focusing on drafting documents, wills, and estate planning, as well as an insurance agent. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Jill Bruno is a financial advisor at Ameriprise with 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2006 and holds a Series 66 designation. Outside of her advisory role, she is a distributor for Young Living Essential Oils and Herbalife, engaging in these activities on a limited basis. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations. The firm serves a broad client base through a comprehensive range of advisory, brokerage, and insurance solutions.