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.

David Packard is a financial advisor with Packerland Brokerage Services, Inc. He holds Series 63 and Series 65 licenses and has 38 years of industry experience. Prior to joining Packerland in 2022, he worked at Cetera Advisor Networks and Voya Financial Advisors. Outside of his advisory role, Packard is involved in tax preparation and works as an independent insurance agent, as well as providing care for a disabled child. Packerland Brokerage Services, Inc. serves individual and institutional clients through a network of 176 advisors managing over $1.3 billion in assets. The firm offers financial planning, portfolio management, and retirement plan consulting, utilizing the Hilltop-cleared Envestnet platform to deliver diversified investment solutions.

Renata Krieger is a financial advisor at Berger Financial Group with a Series 65 designation and one year of industry experience. Prior to joining Berger Financial Group, she held roles at Bethel University, Life Time Inc., Northwestern Mutual, North Central University, Western Racquet Club, and Pewaukee High School. Berger Financial Group serves individuals, high-net-worth families, trusts, estates, businesses, corporate executives, and retirement plans. The firm offers discretionary wealth management and comprehensive financial planning using long-term investment strategies developed by its Investment Committee.

Amanda Cooney is a financial advisor with Berthel, Fisher & Company Financial Services, Inc. She holds Series 63 and Series 65 designations and has 20 years of industry experience. Cooney has been with Berthel Fisher since 2007 and also works with BFC Planning, Inc. Outside of advising, she manages office operations and marketing for Evergreen Financial Group and works as a shopper for Shipt. Berthel Fisher & Company Financial Services provides investment advisory and financial planning services primarily to individual and high-net-worth clients. The firm manages approximately $906 million in client assets and offers a range of investment platforms and delivery models tailored to client needs.

Alissa Tinklenberg is a financial advisor with Focus Financial in Minneapolis, MN, holding Series 65 and Series 63 licenses and two years of industry experience. She has previously worked at Northwestern Mutual and Cargill Inc. Outside of her advisory role, she is affiliated with the Hopkins Hurricanes. Focus Financial Network serves a diverse client base, including individual investors, retirement plans, trusts, and charities, offering personalized investment advice and coordinating with other professionals for estate and tax planning.

Steven Klane is a financial advisor at Berger Financial Group with 12 years of industry experience. He previously operated Klane Wealth Management, LLC for 18 years before joining Berger Financial Group in 2024. Berger Financial Group serves individuals, high-net-worth families, trusts, estates, businesses, corporate executives, and retirement plans. The firm offers wealth management, comprehensive financial and retirement planning, income tax planning, succession planning, and retirement-plan consulting through its affiliate Quorom, employing proprietary, long-term investment strategies primarily managed on a discretionary basis.

Richard Vasterling is a CFP® professional with 28 years of industry experience. He is currently with Larson Financial Group, LLC, where he has worked since 2021. His prior experience includes firms such as Larson Wealth Partners, Comprehensive Asset Management & Servicing, Inc., and Counsel Wealth Management. Larson Financial Group, LLC provides financial planning, portfolio management, and retirement-plan consulting for individuals, trusts, corporations, nonprofits, and pension plans, with an emphasis on serving doctors and related businesses. The firm employs both strategic and tactical investment approaches and uses a blend of model portfolios and custom discretionary programs.

Zechariah Schaefer is a CFP® with six years of industry experience, currently affiliated with Focus Financial in Minneapolis, MN. He is owner and tax preparer at Ascent Tax Services LLC and serves as an instructor for insurance and financial industry training courses at Kaplan Financial. In addition to his financial work, he creates and sells artwork. Focus Financial Network serves a diverse client base including individual investors, retirement plans, trusts, and corporate entities by providing managed account services, financial planning, and retirement plan consulting. The firm emphasizes personalized investment advice and coordination with other professionals for estate planning and related services.

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.

Robert Smrekar is a CFP® professional with 20 years of experience in financial advising. He has worked at Berger Financial Group since 2020, following a four-year tenure at Cambridge Investment Research Advisors. In addition to his advisory role, Smrekar is an independent insurance agent, providing insurance services to clients. Berger Financial Group serves individuals, high-net-worth families, trusts, estates, businesses, corporate executives, and retirement plans. The firm offers discretionary wealth management, comprehensive financial planning, tax planning, succession planning, and retirement-plan consulting, utilizing proprietary, long-term investment strategies developed by its Investment Committee.

Jonathan Vanorden is a financial advisor at Gradient Investments, LLC with 18 years of industry experience. He holds a Series 66 designation and has been with Gradient Investments since 2011. Outside of his advisory role, he is also engaged in insurance sales as a sole proprietor. Gradient Investments provides discretionary investment management to individuals, institutions, and various fiduciary clients through fee-only managed portfolios that include mutual funds, ETFs, equities, and structured products. The firm employs a proprietary investment framework and offers a diverse range of strategic and customized portfolio solutions.

Andrew O'Neill is a financial advisor at Gradient Securities, LLC with 19 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Gradient Securities since 2011. O'Neill is also involved in several business ventures, including ownership of O'Neill Asset Management, LLC, and serves as a board member for Community Kids, an inner-city ministry. Gradient Securities, LLC, operating as Gradient Wealth Management, provides financial planning, consulting, and non-discretionary asset management services to individuals, retirement plans, trusts, and business entities. The firm combines advisory services with broker-dealer offerings and routinely utilizes third-party managers in its investment approach.

Michael McCullough is a financial advisor at Gradient Securities, LLC with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Gradient Securities since 2011. In addition to his advisory role, he operates an accounting practice as a CPA through Michael J. McCullough, Ltd. Gradient Securities, doing business as Gradient Wealth Management, provides financial planning, consulting, non-discretionary asset management, and ERISA plan services to individuals and various institutional clients, often utilizing third-party managers and offering a combination of advisory and broker-dealer services.

Scott Mullinix is a senior financial advisor and Investment Director at Focus Financial with 24 years of industry experience. He has been with Focus Financial Network since 2017 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves as president of Mullinix Investment Management LLC and is a partner at Bergstrom Financial Group LLC. Focus Financial Network serves a diverse client base including individual investors, retirement plans, trusts, estates, charities, and corporate entities. The firm offers personalized advisory services encompassing portfolio management, asset allocation, alternative investments, and coordinated estate planning with a focus on transparency and operational detail.

Kyle Danner is a CFP® professional with 9 years of experience, currently serving as a financial advisor at Larson Financial Group, LLC since 2018. He also has a Series 66 license and has been involved with Larson Financial Securities, LLC since 2016. Larson Financial Group, LLC provides financial planning, portfolio management, and retirement-plan consulting to a range of clients including individuals, trusts, corporations, nonprofits, and pension plans, with a particular focus on doctors and related businesses. The firm uses a combination of model portfolios and custom discretionary programs that incorporate both strategic and tactical approaches, and employs tools such as option overlays and separately managed accounts while using AI-assisted methods to support research and documentation.

Samuel Wilczek is a financial advisor at Focus Financial in Minneapolis, MN. He holds a Series 65 designation and has been with the firm since 2026. Prior to joining Focus Financial, he worked briefly at Ameriprise - Alacrity Wealth Advisors and has experience working outside the industry. Focus Financial Network serves a diverse client base, including individual investors, retirement plans, trusts, estates, charities, and corporate entities. The firm provides managed account services and financial planning, emphasizing personalized investment advice and coordination with other professionals for estate planning and related legal or tax matters.

David Peck is a financial advisor with Focus Financial in Minneapolis, MN, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has previously worked at OSAIC, Charles Schwab, and LPL Financial. Outside of his advisory role, he is a drummer in a hobby band. Focus Financial Network, Inc. manages approximately $6.3 billion through a network of 118 advisors, serving individuals, pension plans, trusts, charitable organizations, and corporate clients. The firm provides a range of investment management and financial planning services, utilizing diverse strategies and investment vehicles tailored to client needs.

Robert Sandison is a financial advisor with Focus Financial in Minneapolis, MN, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Focus Financial Network and OSAIC since 1995. Outside of his advisory role, he serves as president of Peregrine Financial, Inc., a Subchapter S corporation. Focus Financial Network is an enterprise investment adviser managing approximately $6.3 billion through a network of 118 advisors. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporate clients with a range of managed account services, financial planning, and retirement consulting.

Josue Castillo Sr. is a financial advisor with Focus Financial who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Focus Financial Network, Inc. and OSAIC since 1995. Castillo also serves as CEO of Focus Advisors 2010, a corporation established for tax purposes related to his securities business. Focus Financial Network, Inc. is an enterprise investment adviser managing approximately $6.3 billion through a network of 118 advisors. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporate clients, offering a range of managed accounts, investment access, retirement consulting, and financial planning services.

Peter Taurinskas is a financial advisor with Gradient Advisors, LLC, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. His prior experience includes roles at Ten Point Wealth Management, Mutual Trust Asset Management, and operating as a sole proprietor. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm primarily operates through a network of Investment Advisor Representatives and third-party money managers, employing a largely non-discretionary approach with a range of analysis tools to inform portfolio decisions.