Thomas Karp is a CFP®-credentialed financial advisor with 28 years of industry experience. He is currently with OSAIC, where he has worked since 2023, following a 14-year tenure at Sagepoint Financial, Inc. Karp is also the owner of Karp Financial Advisors, Inc., through which he provides tax preparation and assists clients with term life insurance and fixed annuity products. Additionally, he serves as a member of the Finance Committee for the Encampment Forest Association. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with financial planning and retirement plan consulting. The firm employs various asset-allocation tools and third-party partnerships to construct portfolios that include a diverse mix of securities and alternative investments.

Chansoknea Theng is a financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones in 2024, they worked at the Royal Bank of Canada and U.S. Bancorp Investments, Inc. Theng has entrepreneurial experience as the owner of BZBar, a packaged food business, and served as Chief Recruiting Officer at ChefNote LLC, a software company focused on social media recipe influencers. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a variety of investment advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nathaniel Willaert is a financial advisor with Ameriprise in Lake Elmo, MN, holding a Series 63 designation and 14 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2012. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies through its Premier Retirement Income service.

Thomas Rossini is a financial advisor with Cetera based in Minneapolis, MN. He holds the Series 66 designation and has recently started his career in the industry. Outside of advising, he has experience working in various roles including positions in hospitality and education. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Caroline Beuning is a financial professional with 15 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 licenses and has worked with firms including Securian Financial Services and CRI Securities. She is also involved with North Star Resource Group as a financial professional. Cetera Investment Advisers LLC serves a diverse client base ranging from individual investors to institutional and charitable organizations. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Emily Ost is a financial advisor with Ameriprise in Lakeville, MN, holding a Series 63 designation and nine years of industry experience. She has been with Ameriprise and its affiliate since 2015. Outside of her advisory work, she serves on the Board of Directors for ECFE Advisory Council and is involved with Royal Ideas, LLC. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jodi Jenson is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds Series 63 and Series 65 registrations and has worked with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing 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.

Noah Dendinger is a financial professional with Cetera, holding a Series 66 designation and two years of industry experience. He has worked with firms including North Star Resource Group and Aaron Hatanpa - State Farm Agency. Outside of his advisory role, he serves as president of the Justin Dendinger Foundation Inc., a nonprofit that organizes annual fundraisers to support high school graduates. Cetera Investment Advisers LLC operates a nationwide network of independent advisors and serves a range of clients from individuals to institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Patrick Walsh is a financial advisor with Ameriprise in Cottage Grove, MN, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise since 2018 and previously worked at Waddell & Reed, Inc. Outside of his advisory role, he is involved with the Cottage Grove Athletic Association. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research-driven strategies and algorithmic tools to provide tailored, non-discretionary recommendations focused on income sources, tax efficiency, and Social Security options.

Heather O'Connor is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been working in the financial services industry since 2006 and joined Merrill in 2012. Heather focuses on helping clients develop customized strategies to achieve their financial goals, specializing in areas including college education planning, corporate benefits, legacy planning, personal retirement planning, small business strategies, socially responsible and ESG investing, women and wealth, and retirement income. Heather grew up in Braham, Minnesota, on a working dairy and crop farm, an experience that has influenced her work ethic and approach to financial advising. She earned Bachelor of Arts degrees in Anthropology and Criminal Justice, along with a Certificate of Forensic Science, from Hamline University in 2002. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Shoreview with her husband Patrick, Heather is a former board member and ongoing member of Giving WoMN, an organization that supports women's leadership in philanthropy. She is also involved with Junior Achievement. In her spare time, Heather enjoys reading, walking her dog, cooking, spending time with family, and traveling.

Anders Ahlberg is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. His prior work includes operating Anders R. Ahlberg LLC for five years and experience at Whelan Security for three years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including oversight of registered investment companies and charitable funds. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, utilizing model portfolios comprised of mutual funds, ETFs, and ETPs.

Michael Schwartz is a financial advisor with Cetera, holding a Series 63 designation and 18 years of industry experience. He has worked previously at LPL Financial and Investment Centers of America, Inc., and currently serves as president of Eastwood Wayne, LLC, a transportation business. Cetera Investment Advisers LLC is a large SEC-registered firm offering a multi-manager platform to serve individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers through multiple program structures.

Thomas Mcdonald is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 46 years of industry experience. He has been with Raymond James Financial Services since 1995 and Raymond James Financial Services Advisors, Inc. since 2002. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting with a focus on tailored financial plans and investment recommendations, supported by a broad affiliate network and a substantial non-discretionary advisory business.

Stephen Braatz is a financial advisor with LPL Financial in Oakdale, MN, holding a Series 66 designation and 18 years of industry experience. He has worked at firms including City National Bank, RBC Capital Markets, and Wells Fargo Advisors. Outside of his advisory role, he serves as Board Chair for Resolute, a family ministry nonprofit. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Kristin Printon is a financial professional at Cetera with 15 years of industry experience. She holds a Series 66 designation and has worked with firms including Securian Financial Services, Minnesota Life Insurance Company, and North Star Consultants. Kristin serves on the advisory board of the Diaper Bank of Minnesota, a nonprofit supporting families with young children. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering portfolio management, financial planning, and access to a variety of investment programs and third-party managers.

Kelly Rosenbush is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC, with a long tenure at Wells Fargo Bank, N.A. Outside of her advisory role, she has been involved with Bob Smiths Sports Club since 1994. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lisa Young is a financial advisor at Rise Private Wealth Management with 11 years of industry experience. She holds a Series 66 designation and has worked with Ameriprise and Riversource Distributors, Inc. in prior roles. Outside of advisory services, she is involved in independent insurance brokering through RPWM Partners LLC. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that delivers tailored recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kimberly Bai Mc Guire is a financial advisor at Merrill with Series 65 and Series 63 licenses and no prior industry experience. She previously worked at U.S. Bank, BMO Bank, Wells Fargo, and Serko Ltd. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries.

Anna Schlesinger is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 2015 and City National Bank since 2019. Outside her advisory role, she serves on the board of directors for Public Art Saint Paul, a nonprofit organization partnered with the city. RBC Wealth Management at RBC Capital Markets serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and financial planning services through a range of advisory programs and utilizes both in-house and third-party investment managers.

David Dudley is a financial advisor at Ameriprise with 21 years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at RiverSource Distributors Inc. Dudley is a co-owner of NAP Partners, LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services for clients generally holding at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.