Chad Kulm is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2008 when he joined the Sioux Falls office of Merrill Lynch. Prior to entering financial services, Chad was co-owner and National Sales Manager of a wholesale company. Chad's areas of expertise include retirement planning, college education planning, managing new wealth, individual and corporate investment strategy, tax minimization, divorce transition planning, LGBT wealth planning, women and wealth, portfolio management services, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER(CFP) certification, the Chartered Retirement Planning Counselor (CRPC), and the Personal Investment Advisor (PIA) designations. Chad earned a Bachelor's Degree from the University of South Dakota. Active in his community and church, Chad has served on several boards and committees including Trustees, Investment Committee, and Memorials. He also serves at the Conference level and currently chairs the Board of Trustees for his denomination's Foundation. Chad enjoys spending time outdoors pursuing game, fishing, boating, camping, hiking, hunting, playing softball, swimming, traveling, and supporting the Minnesota Vikings and Twins. He has experience raising quadruplets—three daughters and a son.

Matthew Stange is a financial advisor with OSAIC in Sioux Falls, SD, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Principal Life Insurance Company, and Thrivent Financial. Outside of his advisory work, he is involved in property and casualty insurance sales and real estate activities, including house flipping and commercial real estate development. OSAIC serves a diverse client base comprising retail and institutional investors through a network of affiliated advisers and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various tools such as asset-allocation models and risk-tolerance assessments to construct portfolios across multiple asset classes.

Michelle Schirado is a financial advisor with Wells Fargo Clearing in Harrisburg, SD, holding Series 63, 65, and 66 licenses and 34 years of industry experience. She has worked at various Wells Fargo entities since 2011. Outside of her advisory role, she serves as a power of attorney for her parents, managing investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory approach 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.

Andrew Soontharotoke is a financial advisor with Merrill and holds a Series 66 designation. He has 10 years of industry experience, having worked at Bank of America and Merrill since 2016. Outside of his advisory role, he serves as co-chair of the fundraising committee for the East Lansing Rotary, organizing an annual golf outing to support local high school students. 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 with a range of model-based and discretionary investment strategies.

Andrea Weber is a financial advisor with Morgan Stanley in Sioux Falls, SD, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at IFAM Capital and held multiple roles at the University of Sioux Falls, among other positions. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and approved tools, with a focus on advisory services rather than individual security recommendations.

Alex Person is a financial advisor at Stifel with 11 years of industry experience. He holds the CFP® designation and Series 66 and 63 licenses. Prior to joining Stifel in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group to support asset allocation and planning analyses.

Anna Hyronimus is a financial advisor at Edward Jones in Sioux Falls, SD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked at Workday, PwC, and Renew Energy Maintenance. Outside of her advisory role, she owns a rental property in Brandon, SD. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Chad Belitz is a CFP® with 25 years of industry experience, currently serving at Ameriprise since 2018. His prior experience includes 18 years at Waddell & Reed, Inc. and entrepreneurial activities under Chad Belitz and Chad & Beth Belitz. He also owns BACC, LLC, which manages administrative functions unrelated to investment services. Ameriprise offers retirement-income planning services targeting clients with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored retirement recommendations through a centralized consulting team.

Nicholas Poppe is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds a Series 66 designation and has worked at several firms, including AssetMark Financial Holdings and Raymond James Financial Services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based financial planning covering various topics, with the option to combine planning and managed-account services under a consolidated billing arrangement called WealthPlan.

Quinn Jorgensen is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, he worked in the healthcare sector, including roles at Vance Thompson Vision, Avera McKennan Hospital, and the Orthopedic Institute. 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 and offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Joseph Westphal is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has worked at multiple Raymond James entities since 2012 and held prior roles at Great Western Bank and Hometown Investment Services. Outside of advisory work, he is associated with Legacy Financial Group in a client-related securities role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm employs a tailored, non-discretionary approach using analytical tools and supports various advisory programs, with a notable emphasis on municipal advising and recent additions in SIMPLE IRA Employer Advisory services.

Megan Howard is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining RBC Capital Markets in 2023, she worked at R.W. Baird from 2015 to 2023. Howard serves as a committee advisory member for the Prairie Family Business, a nonprofit family business association in Sioux Falls. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies and a range of advisory programs, utilizing both in-house and third-party managers to meet clients’ financial goals.

Yolanda Clark Suradarma is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 65 licenses. Outside of her advising role, she works as a cashier for YOYO Hibachi LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jennifer Novotny is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo in various capacities since 2004 and has been with Wells Fargo Clearing since 2016. Outside of her financial career, she has been involved with the Black Hills Symphony Orchestra since 1990. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kyle Reynolds is a financial advisor with Raymond James Financial in Sioux Falls, SD, holding a Series 66 designation and 12 years of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. since 2014 and is also associated with First Dakota National Bank and Loft Advisors, where he provides financial advising services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm employs analytical tools and risk profiling to tailor non-discretionary planning and consulting, supporting client implementation through its advisory programs and affiliated firms.

John Gray is a financial advisor with Raymond James & Associates in Sioux Falls, SD. He holds a Series 66 designation and has experience working at Principal Financial and Northwestern Mutual. Outside of advising, he has been involved with the Country Club of Sioux Falls for several years. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and investment consulting through a range of portfolio management styles and specialized advisory services.

Lucelia Willms is an advisor at LPL Financial with a Series 66 credential and no prior industry experience. Her work history includes six years at Rumpca Services Inc and roles at Wells Fargo and Volt - 3M Global Channel Services. She also operated Luci's Daycare as a sole proprietor for 13 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

Brian Koch is a CFA® charterholder with over 20 years of industry experience. He has worked at RBC Capital Markets since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory career, Koch serves on the boards of several nonprofit organizations focused on elderly care, disability advocacy, and community support. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles through a combination of in-house and third-party investment managers.

Richard Van Demark is a financial advisor with RBC Capital Markets in Sioux Falls, SD, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at RBC Capital Markets since 2008 and has been with City National Bank since 2021. Van Demark serves on the Board of Directors for Friends of Levitt at the Falls, a nonprofit organization that supports musical performances. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations with tailored investment strategies and advisory programs. The firm offers discretionary and non-discretionary portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party managers to implement client portfolios.

Ryan Campbell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 based on modern portfolio theory, incorporating a broader set of financial products than typical large institutional advisers.