Patrick Hall is a financial advisor with Avantax Planning Partners, Inc., holding a Series 65 credential and 11 years of industry experience. He has worked at Olsen Thielen & Co., Ltd., a full-service certified public accounting firm, since 1989, where he serves as vice president, treasurer, and an equity shareholder. Avantax Planning Partners provides investment advice and planning primarily to individuals, pension and profit-sharing plans, charitable organizations, and businesses through collaborative referral arrangements with independent CPA firms and registered advisor representatives. The firm employs model-based style allocation strategies with discretionary portfolio management and offers tax-intelligent overlays and centralized trading through designated custodians.

Adellmarie Hargreaves is a financial advisor at EFS Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has worked at EFS Advisors since 2016 and Advanced Advisor Group LLC since 2015. EFS Advisors provides investment advice and portfolio management to individuals, business entities, charitable organizations, qualified retirement plans, estates, and trusts, along with non-asset management financial consulting and referrals to third-party service providers. The firm manages approximately $2.4 billion across discretionary and non-discretionary accounts and uses a client-centric suitability scoring process supported by proprietary technology and quarterly fund performance reviews.

Matthew Engstrom is a financial advisor at Gradient Advisors, LLC with eight years of industry experience. He holds the Series 66 designation and has worked at firms including Ameriprise, Bank of America, and Merrill. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities. The firm supports a network of 169 investment advisor representatives across 154 offices and employs a combination of fundamental, technical, and cyclical analysis to tailor investment strategies.

Eric Dirkes is a financial advisor at Gradient Securities, LLC in Arden Hills, MN, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, with prior roles at Farmers Financial Solutions, Fraser, Meridian, and RIVERSOURCE DISTRIBUTORS INC. Gradient Securities, LLC provides financial planning, consulting, non‑discretionary asset management, and ERISA 3(21) retirement‑plan advisory services to individuals, pension and profit‑sharing plans, trusts, estates, and businesses. The firm operates primarily under a non‑discretionary model, combining fundamental, technical, and cyclical analysis, and often works with third‑party managers while maintaining detailed disclosures regarding its revenue-sharing and incentive arrangements.

William Voyles is a financial advisor at Foundations Investment Advisors LLC with nine years of industry experience. He holds Series 65 and Series 63 designations and has previously worked at Magellan Financial and Allianz Life Company of North America. He is also the president and founder of Fundamental Wealth Designs LLC, where he engages in life insurance and annuities sales. Foundations Investment Advisors, LLC provides financial planning and portfolio management to individual and high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis and regularly employs third-party sub-advisers and custodians to tailor investment advice.

Christopher Yard is a CFP® professional with 16 years of industry experience, currently affiliated with Harbour Investments, Inc. and Integrity Financial Group since 2009. He holds Series 63 and Series 66 licenses and serves as a board member of a homeowners association in Maple Grove, MN. Harbour Investments provides investment advisory and financial planning services to a diverse client base, offering customized portfolio management strategies that utilize a range of investment instruments and model-based solutions.

Scott Hoyles is a Series 65-licensed financial advisor with Avantax Planning Partners, Inc. He has 11 years of industry experience and concurrently serves as a Tax Principal at Olsen Thielen & Co. Ltd, a public accounting firm in Roseville, MN, where he manages personnel taxes and leads a small business niche focused on cloud-based back office accounting and payroll. Avantax Planning Partners provides investment advice and planning primarily to individuals, pension and profit-sharing plans, charitable organizations, and businesses through collaborations with independent CPA firms and registered advisor representatives. The firm employs a model-based discretionary portfolio management approach overseen by an Investment Advisory Committee and offers tax-intelligent overlays and centralized trading services.

Tyler Johnson is a financial advisor at Harbour Investments, Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise and the Minnesota Wild. Outside of his advisory role, he is also an author involved in publishing. Harbour Investments provides investment advisory and financial planning services to a wide range of clients, including individual investors, charitable and corporate clients, and retirement plans. The firm uses a combination of fundamental and technical analysis to create customized investment strategies and offers model-based solutions through a subscription platform.

Matthew Jorgensen is a CFP® with 21 years of industry experience, currently serving at Gradient Securities, LLC. His prior experience includes roles at Ameriprise Financial Services and Valtinson Bruner Financial Planning LLC. He serves on the board of the Somerset Youth Hockey Association. Gradient Securities, LLC, operating as Gradient Wealth Management, provides financial planning, consulting, third-party manager referrals, non-discretionary asset management, and ERISA plan services to individuals and various business entities. The firm typically delivers advice on a non-discretionary basis and utilizes extensive affiliations and revenue arrangements involving affiliated insurance and investment entities.

Andrea Addo is a Series 65 licensed advisor with Avantax Planning Partners, Inc., based in Roseville, MN, and has five years of industry experience. She is also a Principal and Accountant at Olsen Thielen & Co., Ltd., a regional CPA firm, where she has worked since 2008. Andrea serves as a Finance Committee Member of True Friends, a nonprofit organization. Avantax Planning Partners provides investment advice and planning services primarily to individuals, pension and profit-sharing plans, charitable organizations, and businesses through collaborative referral arrangements with independent CPA firms and registered advisor representatives. The firm employs model-based style allocation strategies and discretionary portfolio management, supported by an Investment Advisory Committee and centralized trading and reporting.

Timothy Kaley is a financial advisor with Gradient Advisors, LLC, holding a Series 65 license and nine years of industry experience. He has been with Gradient Advisors since 2017 and is also the owner of Kaley Financial Group, LLC, where he provides wealth management, retirement planning, and insurance sales. Kaley is a member of the Twin Cities North Chamber of Commerce, assisting in business promotion. Gradient Advisors, LLC offers investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm operates primarily through a network of Investment Advisor Representatives and third-party money managers, employing a largely non-discretionary model that incorporates fundamental, technical, and cyclical analysis in portfolio management.

Theodore Erhart is a CFP® and holds a Series 66 license with 18 years of industry experience. He is currently with The Fiduciary Alliance and has previously worked at LaSalle Street Securities, Trott Brook Financial, and LPL Financial. Outside of his advisory role, he operates a financial planning business under the name Norris Lake Retirement Planning. The Fiduciary Alliance provides discretionary portfolio management and comprehensive financial planning primarily to individual and high-net-worth clients, as well as other investment advisers. The firm employs a client-specific investment approach and operates through multiple divisions and a network of representatives, including those with carried-interest arrangements for certain alternative investments.

Richard Reid is a financial advisor with Gradient Securities, LLC, holding a Series 63 designation and 24 years of industry experience. He has been with Gradient Securities since 2013 and also owns and operates several other businesses, including Scott Reid CPAs, providing tax and accounting services, and Scott & Sarah Investments, a master franchise for high-end graphic printing. Reid is also treasurer of the nonprofit organization World Link Associates. Gradient Securities, doing business as Gradient Wealth Management, offers financial planning, consulting, third-party manager referrals, and non-discretionary asset management to individuals, pension and profit-sharing plans, trusts, estates, corporations, and other entities. The firm operates as both an SEC-registered investment adviser and a FINRA-registered broker-dealer, emphasizing non-discretionary advice with client approval required for trade execution.

Katie Grage is a financial advisor with Gradient Securities, LLC and holds Series 65 and Series 63 credentials. She has 17 years of industry experience, including prior roles at Gradient Advisors, LLC and as Director of Compliance at RIA Registrar. Outside of advising, she is involved in compliance consulting through her role at RIA Registrar. Gradient Securities, LLC, operating as Gradient Wealth Management, provides financial planning, consulting, and non-discretionary asset management services to individuals, retirement plans, trusts, and businesses. The firm emphasizes a non-discretionary investment model and incorporates fundamental, technical, and cyclical analysis combined with third-party manager relationships.

Grace Hennen is a financial advisor at Savvy with two years of industry experience and holds a Series 66 designation. She has worked at several firms including Osaic Wealth Inc and Focus Financial Network Inc. Outside of her advisory role, she is a Financial Planning Associate at Perspective 6 Wealth Advisers, providing financial planning services under a marketing name. Savvy offers investment and financial planning services to individuals, trusts, businesses, ERISA plan sponsors, and charitable organizations. The firm employs a primarily index-based, long-term approach with customized investment plans and integrates third-party fintech tools and specialized strategies.

Patrick Kulzer is a financial advisor at Gradient Securities, LLC with 28 years of industry experience. He holds a Series 66 designation and has previously worked at CRI Securities and Minnesota Life Insurance Company for 24 years, as well as at Cetera and Cetera Advisor Networks. He also owns Growth Consulting, LLC, which provides management consulting services. Gradient Securities, LLC, operating as Gradient Wealth Management, offers financial planning, consulting, non-discretionary asset management, and ERISA 3(21) retirement-plan advisory services to individuals, pension and profit-sharing plans, trusts, and business entities. The firm emphasizes a non-discretionary model and combines fundamental, technical, and cyclical analysis, often utilizing third-party managers to support client portfolios.

Amanda Cooney is a financial advisor with Berthel, Fisher & Company Financial Services, Inc. and holds Series 63 and Series 65 licenses. She has 19 years of industry experience and has been with Berthel Fisher since 2007. Prior to her current role, she was an operations manager at Evergreen Financial Group and has experience selling health and life insurance. Additionally, she has worked as a shopper and delivery provider for Shipt. Berthel Fisher & Company Financial Services provides investment advisory and financial planning services primarily to individual and high-net-worth clients, managing approximately $906 million in client assets. The firm offers a variety of management and consulting platforms tailored to client needs, including discretionary and non-discretionary management, third-party money manager arrangements, and variable annuity sub-account management.

Paul Stein is a CFP® with 36 years of industry experience, currently serving as an advisor at AdvisorNet Wealth Partners. He has worked at Advisornet Financial, Inc. since 1992 and was previously with CETERA Advisor Networks LLC from 2013 to 2019. Stein also sells fixed life, health, disability, annuities, and long-term care insurance and refers clients to an online banking service. AdvisorNet Wealth Partners provides investment management, financial planning, retirement-plan and participant consulting, and related advisory services to individuals, trusts, corporations, and qualified plans. The firm constructs diversified portfolios using a range of investment vehicles and offers both discretionary and non-discretionary management options.

Richard Vasterling is a CFP® professional with 27 years of experience in financial advising. He is currently with Larson Financial Group, LLC and has previously worked at Comprehensive Asset Management & Servicing, Inc. and Counsel Wealth Management. Larson Financial Group, LLC provides financial planning, portfolio management, and retirement-plan consulting to individuals, trusts, corporations, nonprofits, and pension plans, with a focus on doctors and related businesses. The firm employs a combination of model portfolios and custom discretionary programs using strategic and tactical approaches, including option overlays and separately managed accounts, and integrates AI-assisted tools alongside human review for research and documentation.

Ryan Dillon is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 credentials and eight years of industry experience. He previously worked at Secured Retirement Advisors and Allianz Life Financial Services and spent 17 years with Pro Links Sports. Dillon is also involved with Fundamental Wealth Designs, LLC, an insurance sales business focused on life insurance and annuities. Foundations Investment Advisors LLC provides financial planning and portfolio management services to individual and high-net-worth clients, retirement plans, and registered investment companies. The firm utilizes a combination of fundamental, technical, and cyclical analysis with model portfolios and asymmetric rebalancing, supported by a large network of affiliated advisers.