Michael Degolier is a financial advisor with Commonwealth Financial Network based in St. Cloud, MN. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. Since 2009, he has been associated with Evergreen Wealth Management Inc. and Commonwealth Financial Network. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, compliance, and practice-management services.

Joshua Sheets is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been associated with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2016. Outside of his advisory role, Sheets is involved in a storage shed business near Lake Traverse, Minnesota. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice and investment education through various programs. The firm relies on Morningstar Investment Management for portfolio construction and oversight, focusing primarily on non-discretionary assets for a large client base.

Joshua Nelson is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in St Cloud Financial Planning Services, which provides secretarial and office administration support to financial planning practices. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Eric Loberg is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. He has been affiliated with various Cetera entities since 2007 and is currently based in St. Cloud, MN. Outside of his advisory role, he volunteers as an assistant youth hockey coach and serves as a USA Hockey official. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated managers, covering discretionary and non-discretionary account structures.

Eric Frieler is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has prior work experience at Edward Jones and Scheels. Frieler’s background also includes roles at the University of North Dakota. 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. The firm offers a range of portfolio management and consulting services through a multi-manager platform that supports various program structures and investment strategies.

Shane Keledy is a financial advisor at Cetera with four years of industry experience and holds the Series 66 designation. His work history includes roles at multiple Cetera entities since 2022, as well as prior experience at Jersey Real Estate Group and Papa's Tomato Pies. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform and a range of program options under discretionary and non-discretionary authorities.

Connor Thorsten is a Series 66-credentialed advisor at LPL Financial with one year of industry experience. His prior work includes roles at DJ Tax Service LLC and Divine Swine Catering, as well as service on the Falcon Bank Advisory Board. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Jeffrey Dorfsman is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and three years of industry experience. His background includes roles at Medtronic, Lyft Inc, and a 22-year tenure with the City of Plymouth. Outside of his advisory work, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Janice Uberecken is a financial advisor at LPL Enterprise with 33 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining LPL Enterprise in 2024, she spent 31 years with Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities through a large network of investment adviser representatives. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs, along with affiliated trust and insurance services.

Drew Lechner is a financial advisor with LPL Enterprise in St. Cloud, MN, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Northwestern Mutual, and AXA Equitable. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s approach is model-driven, using portfolios developed by its research team and third-party strategists, and it offers financial planning, access to asset managers, and a wrap fee program.

Joseph Tetrault III is a Series 66-licensed financial advisor with Edward Jones in St Cloud, MN, where he has worked since 2014. He has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Keith Sowada is a Series 66-licensed financial advisor with 13 years of industry experience. He is currently with Cetera, where he has worked since 2019 across several affiliated entities, and previously worked at Thrivent Financial for Lutherans from 2013 to 2019. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Jennifer Thoennes is a financial advisor with RBC Capital Markets based in St. Cloud, MN. She holds a Series 66 designation and has four years of industry experience, with a ten-year tenure at RBC Capital Markets overall. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Marcus Rick is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. His work history includes roles at several Cetera entities since 2023, as well as positions in the insurance and transportation sectors. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, encompassing discretionary and non-discretionary services, and supports a network of over 10,000 advisors managing more than $256 billion in assets.

Victoria Dvorak is a financial advisor at Thrivent Investment Management with one year of industry experience. She holds a Series 66 designation and previously worked at Capital One for 15 years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and planning on a range of topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping these services separate.

David Kaluza is a financial advisor at Cetera with 27 years of industry experience and holds a Series 66 designation. He has worked with multiple Cetera entities and affiliated firms since 2005, including Summit Brokerage Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and custodial relationships.

Daniel Gallogly is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera and its affiliates since 2022, prior to which he was with Princor Financial Services Corporation and Principal Life Insurance Company for 13 years. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create custom strategies across various program structures and custodial relationships.

Scott Sobiech is a financial advisor with Cetera who holds a Series 63 designation and has 28 years of industry experience. He has worked with various Cetera entities since 1998, including Cetera Investment Services LLC and Cetera ADVISORS LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing both affiliated and third-party managers across multiple program structures.

April Mastey is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has worked with LPL Financial since 2011 and previously with Miller Johnson Steichen Kinnard, Inc. from 2002 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms through a large network of investment adviser representatives.

Eric Bauer is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. He has been with Cetera and its affiliated entities since 2011. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary investment strategies.