Michael Gerberding is a financial advisor at Brookstone Capital Management LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at JD Mellberg Financial and Wealth Planners Of America. In addition to his advisory role, he is a fixed indexed annuity and life insurance producer, meeting with clients to analyze and recommend insurance solutions based on their individual needs. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions, delivering investment management primarily on a discretionary basis through various model portfolios and managed account strategies.

Peter Reiner is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera and its affiliated firms since 2021. Prior to that, he was with VOYA Financial Advisors for seven years and has been associated with The Bank of Elk River for 19 years. He is also an independent insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services across multiple program platforms, managing over $256 billion in assets with more than 10,000 advisors and approximately 800,000 clients.

Clarice Toth is a financial advisor with Ameriprise in Elk River, MN, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Bank of the West and several positions outside finance, including teaching at Creighton University and Elk River High School, as well as working at Caribou Coffee. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Matthew Kruse is a financial advisor at Edward Jones in St. Michael, MN, holding a Series 66 designation with 13 years of industry experience. He has been with Edward Jones since 2012. Outside of advisory work, he is a landlord of rental property in Albertville, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Thomas Endersbe is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Osaic since 2023. He previously worked for 14 years at Sagepoint Financial, Inc. Outside of his advisory role, Endersbe is an author and leadership coach, having written the book *The Three Commitments of Leadership* and providing coaching and speaking engagements related to leadership development. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs a range of asset-allocation tools and third-party managed-account solutions to construct portfolios tailored to client risk tolerance and investment preferences.

Anthony Hackenmueller is a financial advisor at Ameriprise with 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement who meet specific asset criteria, providing detailed Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to generate personalized advice, primarily for clients with assets managed within Ameriprise.

Joshua Beck is a CFP® and ChFC® with 24 years of experience in financial advising at Thrivent Investment Management. He has been with Thrivent and its predecessor entities since 2002. Outside of his advisory role, Beck serves on the Senior Leadership Council of Family of Christ Lutheran Church and works as a high school and college football official during the fall season. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses across a broad range of financial planning topics. The firm offers these planning services separately from managed account programs and does not accept discretionary trading authority for its planning engagements.

Shae Morsfield is a financial advisor at Edward Jones in Elk River, MN, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, Shae worked in various educational and community support roles, including positions at multiple public schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options, supported by a nationwide network of over 23,000 financial advisors. The firm offers discretionary and non-discretionary strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Brian Thickpenny is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 37 years of industry experience. He has been with Primerica Advisors since 1988 and Primerica Financial Services since 1991. In addition to his advisory role, he serves as CEO of Brian Thickpenny, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of discretionary separately managed accounts for individual and high-net-worth clients. The firm uses an independent due-diligence consultant to evaluate asset managers and delegates trading to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Lisa Middagh is a financial advisor at Edward Jones with 13 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. 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 under management and offers a broad range of advisory strategies and affiliated investment products through a nationwide network of financial advisors and branches.

Troy Bigalke is a CFP® and holds a Series 66 license, with 24 years of industry experience. He has been with Ameriprise since 2005, currently based in Saint Michael, MN. Outside of his advisory role, he owns a business, Bigalke Inc., which is not related to investment activities. Ameriprise is an institutional firm offering a retirement-income planning service tailored for clients generally holding at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, primarily for clients approaching or in retirement, and delivers a broad range of advisory, brokerage, and insurance solutions.

Matthew Marjama is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2015. Outside of his advisory role, he has worked intermittently as a laborer for Laguna Pool Plastering since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm provides a variety of advisory programs, retirement plan consulting, and brokerage services utilizing model portfolios and research from in-house and third-party sources.

Cole Dahl is a Series 66-licensed financial advisor with Edward Jones, based in Otsego, MN, and has three years of industry experience. Prior to joining Edward Jones, he worked at The Bank of Elk River, Marshall County State Bank, and Northwestern Mutual. Outside of his advisory work, he serves as a part-time assistant basketball coach at Elk River High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

David Pederson is a financial advisor with Cetera and holds a Series 63 designation. He has 48 years of industry experience and has held prior roles at Midwest Wealth Advisors, North Star Consultants, Securian Financial Services, Minnesota Life Insurance Co., and C.R.I. Securities. Outside of his advisory work, he is the owner of Midwest Wealth Advisors and has been involved in fixed insurance sales through North Star Consultants and Balanced Planning Services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and affiliated third-party managers.

Jeffrey Raiche is a financial advisor at Edward Jones in Albertville, MN, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2015 and concurrently has experience with Dominos Pizza since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a broad network of advisors and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Darin Rokke is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with LPL Financial since 2008. Rokke is a 25% owner of Rokke Family Farms LLC, a family entity owning farmland in northern Minnesota. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing various model portfolios and research to support diversified investment strategies.

Joshua Gross is a financial advisor with Fisher Investments, holding Series 63 and Series 65 designations and 11 years of industry experience. His prior roles include positions at Thrivent Investment Management, Northwestern Mutual, and LoCorr Funds. Outside of finance, he was involved with Chanticlear Pizza for over a decade. Fisher Investments serves a global client base of institutional and private investors, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research and utilizes various risk management strategies including tax-aware processes and derivatives.

Steven Cram is a financial advisor with OSAIC, holding Series 65 and Series 63 credentials and possessing 31 years of industry experience. His prior roles include positions at Securities America Advisors, Sii Investments, and First Choice Financial Resource Group, where he has worked for over two decades. Outside of his advisory work, he is involved in community service as a volunteer board member of Pilot Outreach Jail Ministry and serves as a site coordinator for Global Fingerprints, supporting child sponsorship programs. OSAIC Wealth, Inc. serves a diverse range of clients, including individual investors and institutions, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs various tools and third-party partnerships to construct and manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Charlene Zielin is a financial advisor with Thrivent Investment Management based in Otsego, MN. She holds a Series 66 designation and has been with Thrivent since 2025. Prior to her current role, she worked in healthcare and coaching roles, including positions at North Memorial Health and Char Marie Coaching. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning without discretionary portfolio management. The firm offers integrated planning and managed-account options through its WealthPlan program.

Kent Larson is a financial advisor at Edward Jones with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Edward Jones since 2019. Prior to that, he was employed at Voya America Equities, Inc. and VOYA Financial from 2015 to 2019. 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 under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.