Daniel Montalbano is a financial advisor with Cetera and holds the Series 66 designation. He has one year of industry experience and previously worked with Avantax Advisory Services, Avantax Investment Services Inc, and MFG Financial Advisors. Outside of advising, he has been involved with MFG Financial Advisors as a Wealth Management Assistant, supporting financial planning and tax services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors and provides access to multiple program platforms and third-party money managers.

Lindsay Rasmussen is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and four years of industry experience. Prior to joining Thrivent in 2021, Rasmussen worked for Medtronic, Inc. from 2006 to 2021. 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 planning covering topics such as retirement, income tax, and estate planning, with options to combine planning and managed-account services under its WealthPlan program.

Frank Leslie is a Series 66-credentialed financial advisor with 20 years of industry experience. He has worked at Wells Fargo Advisors since 2014, with prior roles at Wells Fargo Clearing. Outside of his advisory role, he owns and operates FPL Finance, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, including specialized planning for business-owner transitions, special needs, and divorce. The firm employs Wells Fargo research and planning tools to develop tailored recommendations delivered through discrete engagements.

Ryan Rambacher is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. He works closely with a select group of families and business owners to provide personalized financial advice and planning, focusing on understanding life priorities and creating strategies aligned with clients' long-term goals and aspirations. His approach emphasizes asking insightful questions to tailor wealth management plans that address unique opportunities and challenges. Ryan's areas of expertise include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, socially responsible and ESG investing, special needs planning strategies, tax minimization, and retirement income. He and his team leverage Merrill Lynch's investment experience and the banking strength of Bank of America to execute plans at a high level. He holds a Bachelor's Degree in Finance and Economics from the University of Wisconsin System and the Professional Investment Advisor (PIA) designation. Ryan lives in Stillwater, MN with his wife Andrea, daughter Zoe, son Carter, and their Alaskan Klee Kai, Scooby Doo. In his personal time, he enjoys antiquing, boating, fishing, football, golfing, gymnastics, pickleball, running, spending time with family, and watching movies.

Scott Ellingson is a financial advisor with LPL Financial, holding a Series 63 designation and 39 years of industry experience. He previously worked at Commonwealth Financial Network from 2003 to 2016 before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a range of model portfolios and research resources.

Jill Brett is a financial advisor with RBC Capital Markets in Stillwater, MN, holding Series 65, Series 63, and Series 66 credentials and has 14 years of industry experience. Her prior experience includes roles at Securian Financial Services, Cri Securities, and Winter And Associates. Outside of financial advising, she assists with general polling place duties for Washington County, MN. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs and portfolio management services tailored to client risk profiles, utilizing both in-house and third-party investment managers. The firm offers integrated solutions including financial planning, custody, and brokerage, supported by a broad capital-markets platform.

Walter Dobgima is a financial advisor with Primerica Advisors in White Bear Lake, MN, holding Series 65 and Series 63 credentials and six years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2019 and is also involved with Kingdom Pathways Laboratory and M Health Fairview. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors. The firm primarily uses model-driven investment strategies supported by third-party managers and platforms, focusing on individual rather than institutional clients.

Jenelle Langer is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Woodbury Financial Services for 13 years before joining OSAIC. Outside of her advisory role, she serves as her father's medical power of attorney. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across multiple asset classes.

Trevor Paradise is an Investment Consultant at Fidelity Investments. He is dedicated to providing customer service and assisting clients in exploring the tools, resources, and strategies available through Fidelity. He focuses on connecting with clients personally to help identify strategies for improving their financial plans. Trevor has worked at Fidelity Investments since 2022, beginning as a Financial Representative, then serving as a Relationship Manager from 2023 to 2025 before becoming an Investment Consultant in 2025. His experience covers various roles within the firm, contributing to his expertise in client relationship management and investment consulting. Outside of his professional work, Trevor engages in activities such as fitness, golf, outdoor adventures, and running. He also participates in volunteering.

Christopher Shuck is a financial advisor with MassMutual Investors Services in Woodbury, MN, holding CFP® and ChFC® designations and 18 years of industry experience. He has been with MML Investor Services, LLC and MassMutual Life Insurance Company since 2014. Shuck is also the owner of Shuck Wealth Management, LLC. MassMutual Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars through a structured, collaborative planning process that typically involves recommending investment categories and strategies.

Joan Nowicki is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. She holds the Series 63 designation and has worked within various Wells Fargo entities since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce.

Emily Enriquez is Vice President and Financial Consultant at Fidelity Investments, where she has been serving clients since 2013. In her current role, she helps clients develop comprehensive financial plans tailored to their specific investment goals, with a specialization in retirement planning utilizing robust planning tools. She emphasizes providing clients with confidence and peace of mind as they navigate their personal financial plans through varying market conditions. Emily's professional experience spans over a decade in the financial services industry, including roles as Financial Advisor at Merrill Lynch and Morgan Stanley Smith Barney. Her career progression at Fidelity Investments includes positions as Account Executive, Financial Consultant, and now Vice President, Financial Consultant. Outside of her professional work, Emily engages in family activities, golf, outdoor adventures, traveling, and volunteering. She also enjoys spending time with her pets.

Christian Utecht is a financial advisor at RBC Capital Markets in Stillwater, MN, holding a Series 66 designation with four years of industry experience. His prior roles include positions at The Hartford Financial Services Group and Keyot LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customizable portfolio management and planning services, leveraging both in-house and third-party investment resources.

Abra Hovgaard is a CFP® professional with 21 years of industry experience, currently affiliated with Edward Jones since 2004. She teaches community education classes on various financial topics in Hastings, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad network of advisors and offices, offering a range of advisory programs, discretionary and non-discretionary investment strategies, and affiliated financial products.

Robert Pakkala is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 66 designation and previously worked for Woodbury Financial Service, Inc. for 20 years. In addition to his advisory work, he owns PAK'S TAX AND ACCOUNTING SERVICE, INC., providing tax preparation and accounting services to individuals and businesses. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct portfolios across various asset classes.

Aquib Khan is a financial advisor with Morgan Stanley in Stillwater, MN, holding a Series 66 designation and 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies developed by its Global Investment Committee.

Roger Anderson is a financial advisor with LPL Financial in Woodbury, MN, holding a Series 63 designation and 26 years of industry experience. His prior roles include positions at Bremer Investments and Raymond James Financial Services, with a long tenure at Bremer Bank. Anderson is also involved with Old National Bank advisor referral programs. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

John Felton is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 13 years of industry experience. His career includes positions at MetLife Securities Inc. from 2015 to 2017 and with Massachusetts Mutual Life Insurance Company since 2016. He also works as an independent insurance agent selling dental and group disability income products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with an emphasis on collaborative, annual planning relationships.

Austin Vandell is a financial advisor with Cetera who holds a Series 66 designation and has one year of industry experience. He also serves as Practice Coordinator at Waypoint Wealth Group, a financial services team name under which he supports insurance, securities, and advisory services. Cetera Investment Advisers LLC is an SEC-registered adviser operating a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services and employs a multi-manager platform with discretionary and non-discretionary program options.

Lynn Kaye is a financial advisor with LPL Financial in Afton, MN, holding CFP®, Series 63, and Series 65 credentials and bringing 39 years of industry experience. She has been with LPL Financial since 2009 and operates under the registered DBA Kaye Family Wealth Management LLC. She is also a state- and county-approved notary for Minnesota, which she uses in connection with her work at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources and providing discretionary and non-discretionary management options.