Juan Preciado is a financial professional at Cetera with nine years of industry experience. He holds a Series 66 designation and has worked at Cetera Wealth Services, Equitable Advisors, and Arvest Wealth Management. Outside of his advisory role, he is president of Precious Legacy LLC, an entity used for tax purposes. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Kent Scholten is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1995. He focuses on developing strategies tailored to each client's risk tolerance, time horizon, liquidity needs, and financial goals. Kent partners with individuals, families, and business owners to help them pursue both short- and long-term objectives through a consultative and relationship-driven approach. His areas of expertise include investments, retirement planning, estate planning, philanthropy, corporate benefits, education planning, personal retirement planning, special needs planning strategies, and retirement income. Kent holds a bachelor's degree in Economics from the University of Wisconsin-Madison and holds the Personal Investment Advisor (PIA) designation. Kent has been actively involved in community initiatives, serving in board and leadership roles with Hammer Residences, Hammer Travel, and the Minnesota Council on Economic Education. He also volunteers at Mount Olivet Lutheran Church, where he is a member. Kent and his family reside in Excelsior, Minnesota.

Tatiana Soto is a financial advisor at Merrill with Series 63 and Series 65 credentials and 21 years of industry experience. She has been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Martin Schneider is a financial advisor at Morgan Stanley with 42 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2009 and 2015 respectively. Outside of his advisory role, he manages farming operations on a farm and farmhouse in Long Lake, Minnesota. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm employs a structured planning process and offers access to investment and estate planning strategies.

Leif Engen is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes five years at Ernst & Young LLP and roles at Bank of America and Robert Half. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Brett Oslund is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2009. He also has a 15-year tenure at Bank of America, N.A. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies from internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Hammer is a financial advisor at Ameriprise with two years of industry experience. He previously worked at U.S. Bank from 2017 to 2021 and had an earlier tenure at Ameriprise from 2015 to 2017. Outside of advising, he is involved as a paraplanner with WDA, Inc., assisting with financial planning and practice operations. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that emphasize dependable income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research, third-party data, and algorithmic tools, with a focus on clients meeting specific investable asset criteria.

David Hiatt is a financial advisor with Charles Schwab in Wayzata, MN, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Charles Schwab since 2011 and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Michael Lawrence is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2000 and is also affiliated with Bank of America, N.A. since 2009. Outside of his advisory work, he serves as treasurer for Branch Church in Shorewood, Minnesota, where he manages budgeting and bill payments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with portfolio implementation tailored to client needs.

James Bowe is a Senior Financial Advisor at Merrill Lynch Wealth Management and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He began his career in 1997 and has over 29 years of experience helping individuals and families build financial strategies. His approach emphasizes clarity, confidence, and creating long-term value tailored to each client's needs. James's financial philosophy is centered on generating a rising income stream through dividends. Utilizing proprietary analysis, historical data, and extensive research from Merrill, he develops customized strategies aimed at helping clients achieve and exceed their financial goals. He regularly reviews portfolios to ensure alignment with evolving objectives, risk tolerance, and life changes. A graduate of Brown Institute, James resides in Plymouth with his wife and son. He remains active in his community through volunteer work with organizations such as Interfaith Outreach & Community Partners and Second Harvest Heartland. Previously, he has also coached hockey and baseball.

Jean Prenevost is a Series 66 licensed financial advisor with Morgan Stanley, based in Wayzata, MN, and has 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he assists with personal banking needs in a separate capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Samantha Donovan is a financial advisor at Morgan Stanley in Wayzata, MN, holding a Series 66 designation. She has experience at UBS Financial and U.S. Bank, with a total of seven years in the financial industry. Donovan also attended Brown University from 2014 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations to support its advisory process.

Annette Dick is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 12 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and employs structured planning tools along with broad retail and institutional investment offerings.

Paul Affeldt is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to his financial services career, he worked for seven years with the Shakopee Police Department. He is also president of Westonka Community and Commerce, where he organizes and runs meetings and helps coordinate community events. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a fiduciary standard.

Michael Olafson is a financial advisor at Morgan Stanley in Wayzata, MN, with eight years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and advanced modeling tools in its planning approach.

Jill Radermacher is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Prior to that, she has been affiliated with Bank of America since 2022. Outside of her advisory role, she volunteers as a committee member at Minnetonka United Methodist Church, where she assists with counting and depositing weekly offerings. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes model-based and discretionary strategies developed by internal CIO teams and third-party managers, offering tactical asset allocation and tax-aware investment options.

Emily Haan is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Her expertise includes college education planning, employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and women and wealth. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Emily earned a Bachelor's Degree from Iowa State University. Outside of work, she enjoys cooking, hiking, pickleball, running, swimming, writing, and spending time with her family. She is also involved with Grace Church Minnesota.

Dustin Christopherson is a CFP® with 26 years of industry experience, currently affiliated with OSAIC since 2023. His prior roles include positions at SagePoint Financial Inc. and Cetera ADVISORS LLC. He is also licensed as an insurance agent and sells life, health, disability, annuities, and long-term care insurance. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers and various advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing a range of portfolio construction tools and third-party management solutions.

Richard Rosati Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of clients to help them build, manage, and preserve their wealth through life’s transitions, both planned and unplanned. His approach involves listening carefully to understand his clients’ current situations, past experiences, and future goals, followed by studying, analyzing, and modeling strategies tailored to their needs. He holds a Bachelor's Degree from the University of Wisconsin System and a Master's Degree from the University of Minnesota System. He has earned the CERTIFIED FINANCIAL PLANNER® professional designation from the Certified Financial Planner Board of Standards, Inc., and the Personal Investment Advisor (PIA) designation. His focus areas include financial planning, asset management, retirement savings and income planning, risk management and insurance planning, and estate planning strategies. Richard collaborates with colleagues at Oslund Kane Wealth Management and other professional advisors to provide objective, unbiased, and cost-effective counsel. He emphasizes integrity, objectivity, competency, confidentiality, and fairness in his work, adhering to the highest ethical standards. His personal experiences with family have reinforced the importance of his work and its impact on clients and their families.

Brandon Walters is a financial advisor with Edward Jones in Buffalo, MN, holding ChFC® and Series 66 designations and bringing 18 years of industry experience. He has been with Edward Jones since 2014. Walters serves as a board member of Impact Christian Academy in Buffalo, MN. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients nationwide. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, investment solutions, and affiliated services under a fiduciary standard.