Owen Peterson is a Financial Advisor with Merrill Lynch Wealth Management in the Saint Paul area. He specializes in liquidity management, personal retirement planning, and retirement income. Owen takes a planning-driven approach, working closely with clients to understand their priorities and translating complex financial concepts into clear guidance to support informed decision-making. Owen began his career with Bank of America in banking and later joined Merrill Edge before becoming a Financial Advisor with The Zawacki-Krebsbach-Droddy Group. This experience provides him with a comprehensive understanding of the full Bank of America and Merrill relationship, which he applies in his work. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. Owen earned his bachelor's degree from the University of Minnesota Morris, where he double majored in Economics and Financial Management with a minor in Spanish. He was a member of the Spanish honor society. A native of Inver Grove Heights, Owen lives in South Saint Paul with his wife, Rachel, and their Golden Retriever, Freddy. His personal interests include fishing, football, golfing, hunting, skiing, and spending time with his family.

Jennifer Dorniden is a financial advisor at Cetera with 24 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Securian Financial Services, Inc. and the Minnesota Life Insurance Company. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering diverse portfolio management and consulting services across multiple program structures and custodial relationships.

Jessica Kelly is a financial advisor with Wells Fargo Clearing in Farmington, MN. She holds Series 63 and Series 66 designations and has 10 years of industry experience, all with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers both brokerage and advisory solutions.

Robert Bryan is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds the Series 66 designation and has prior work history including roles at Sullivan Cotter and Clinician Nexus. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various planning areas without implementation or discretionary trading authority.

Anders Sandberg is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Robert Baird & Co. since 2022. He previously worked at Ameriprise Financial Services Inc. for five years. Outside of his advisory role, Sandberg owns a small construction business and serves as an investment committee member for the Chanhassen Lions Club Foundation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which offers financial planning, portfolio management, and custody services to individuals, corporate clients, pension plans, and charitable organizations. The firm utilizes a combination of manager-traded and model-traded strategies, along with tax-management and direct-indexing capabilities, supported by internal research and ongoing manager monitoring.

Kurt Kern is a financial advisor with Ameriprise in Hudson, Wisconsin, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Kern serves on the Board of Directors for the Boys and Girls Club of Greater Chippewa Valley. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, asset allocation, and tax-aware withdrawal strategies.

Michael Creazzo is a financial advisor with Ameriprise in Woodbury, MN, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at The Huntington Investment Company, LPL Financial LLC, BMO Harris Bank, and Wells Fargo. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides tailored retirement planning advice through a written Recommendation Report and annual updates. The firm’s approach emphasizes dependable income sources and tax-aware withdrawal strategies within an investment framework influenced by its affiliated product ecosystem.

Heather Winfield is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Arlene Myers is a financial advisor with Thrivent Investment Management in Cottage Grove, MN, holding Series 63 and Series 66 designations and 29 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm provides holistic, goal-based planning across various financial topics and offers a consolidated billing option that combines planning with managed-account services, while keeping them separate.

Michael Fischer is a financial advisor with UBS Financial Services in St. Paul, MN, holding Series 63 and Series 66 licenses and having 37 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Brad Melsa is a CFP® professional with 26 years of experience in financial services. He is currently with Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc., where he has worked since 2022. Prior to this, he spent ten years at Commonwealth Financial Network and has been associated with Think Mutual Bank since 2012. 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, pension plans, corporations, and institutional clients. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and is notable for its municipal advisor affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services program.

Hannah Rasmussen is a financial advisor with Cetera, holding a Series 66 designation. She has one year of industry experience and previously worked at Waypoint Wealth Group and Cetera Wealth Services, LLC. Outside of finance, she has experience in the hospitality sector, having worked at Blackhawk Country Club and The Great Dane Pub and Brewing Company. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, 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 multi-manager platform that includes affiliated and third-party managers.

Zach Stewart is an Investment Consultant who focuses on educating and empowering clients by utilizing the tools and resources available at Fidelity. He employs a holistic planning approach, collaborating with clients to develop plans tailored to their specific goals and needs both presently and in the future. His professional experience includes positions as a Tax Associate at Olsen Thielen CPA's from 2023 to 2024 and as an Investments Intern at Morgan Stanley from 2021 to 2022. These roles have contributed to his understanding of tax and investment strategies. Outside of his professional work, Zach has interests in fishing, gardening, golf, hiking, pets, and traveling.

Michael Mcdonald is a financial advisor with LPL Financial based in South St Paul, MN. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and Bremer Bank. Mcdonald is also associated with Simplicity Life. 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 network of over 22,000 advisors.

Jeremy Oliver is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Woodbury Financial Services, Inc. for 22 years. Oliver also owns a sole proprietorship providing fixed insurance products, including life insurance and long-term care. Osaic Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

James Sampair Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Securities America Advisors, Morgan Stanley, and Merrill. He also operates Sampair CPA, a tax and accounting business. 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, with advice delivered through a large network of investment adviser representatives.

Bradley Ober is a financial advisor with OSAIC based in St. Paul, MN, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Prior to joining OSAIC in 2024, he worked nine years at Woodbury Financial Services, Inc. He also assists clients with integrating life insurance products into their financial plans. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by technology tools and multiple program options.

Autumn Folsom is a CFP® professional affiliated with OSAIC, bringing 10 years of experience in the financial services industry. She previously worked at Securities America Advisors and Securities America, Inc. In addition to her advisory role, she assists with tax document preparation for a virtual tax service. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides a multi-advisor platform offering brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and a range of managed account programs.

Jeremy Sammons is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2014. He holds a Series 66 license and is based in Lilydale, MN. Outside of his advisory role, Sammons is involved as a member of an investment club. 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 investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Christopher Nelson is a financial advisor with Charles Schwab in Woodbury, MN, holding Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at JP Morgan Chase Bank and J.P. Morgan Securities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance, supported by a large integrated structure and multi-asset model portfolios.