Annette Baltes is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. Her prior roles include positions at Northwestern Mutual Investment Services LLC and Prudential Life Distributors. Outside of her advisory work, she serves as a paid cantor and soloist at St. Mary of the Lake Catholic Church. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides customized portfolio management alongside model portfolio options and serves as adviser to a donor-advised fund.

Peter Robinson is a Series 66-licensed financial advisor with over 21 years of industry experience. He has been with Kestra Advisory and Kestra Investment Services since 2018 and also serves as President of Retirement Plan Solutions at Nesbit Agencies Insurance Services. Prior to joining Kestra, Robinson held roles at Principal Life Insurance Company and several other financial firms. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, compliance testing, and employee education, supporting both discretionary and non-discretionary investment arrangements.

Upasana Khandelwal is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and six years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA before joining Transamerica Life Insurance Company and Transamerica Investors Securities Corporation. Outside of her advisory role, she creates and sells art pieces through a personal business. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed and non-discretionary advice focused on asset allocation, contribution rates, and retirement guidance. The firm utilizes Morningstar Investment Management’s proprietary tools for portfolio construction and oversight and operates at scale with a large client base primarily serviced through non-discretionary programs.

Rebecca Oelrich is a CFP® with 11 years of industry experience, currently advising at Creative Planning since 2023. She previously worked for nine years at KDV Wealth Management, LLC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach featuring low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by targeted private market exposure and various customized equity and bond strategies.

Paul Lagrange is a financial advisor at Equity Services, Inc. with 19 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Merrill and TIAA-CREF. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Brett Rodenberg is a financial advisor at Empower Advisory Group with one year of industry experience. He holds a Series 65 designation and has previously worked at North Shore Bank of Commerce, Paycom, Northwestern Mutual, and the University of Minnesota-Duluth. Outside of his advisory role, he operates an Etsy shop where he creates and posts crafts for sale. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Derek Hoyt is a CFA® charterholder with 12 years of industry experience. He is currently with Creative Planning, LLC, where he has worked since 2023, following 16 years at KDV Wealth Management. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a broad range of supplemental investment options and integrated retirement plan services.

Alec Engman is a financial advisor at J. W. Cole Advisors, Inc. with two years of industry experience. He holds a Series 66 credential and has previously worked at firms including Thrivent Financial and Principal Life Insurance Company. Outside of his advisory role, he works as an evening delivery driver for Domino's Pizza. J. W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, retirement services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutions. The firm employs a variety of investment strategies and platforms, providing both discretionary and non-discretionary account management.

Kenneth Zarske is a financial advisor at Creative Planning with a Series 65 designation and four years of industry experience. His prior roles include positions at BerganKDV, Ltd, Mercer, and Pavillion Advisory Group. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm manages approximately $295.6 billion in client assets and employs a financial-planning-led investment approach featuring low-cost indexing, tax-loss harvesting, and selective private market exposure.

Bradley Frane is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Ameritas and its affiliated companies since 2014 and is also president of Midwest Secure Retirement, where he oversees and trains a team of financial advisors. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans, offering fee-based asset management through various programs and fiduciary retirement plan advice.

Jonathan Liang Sr. is a CFP® with 13 years of industry experience and currently serves as a financial advisor at Creative Planning. He previously worked for 21 years at CTB Financial Services, Ltd. before joining Creative Planning in 2023. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth and ultra-affluent individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting, individually managed strategies, and selective private market exposure.

Travis Bezella is a CFP® professional with 18 years of industry experience, currently serving as an advisor at Creative Planning since 2014. He holds Series 65 and Series 66 licenses. Outside of his advisory role, he is involved in managing residential rental properties through two separate LLCs. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment process that emphasizes low-cost indexing, supplemented by strategies such as direct indexing and tax-loss harvesting.

Kristin Chim is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 designation and 25 years of industry experience. Her work history includes roles at South Metro Federal Credit Union and CUSO Financial Services, Lp. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets.

Matthew Koelsch is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Creative Planning. His prior experience includes roles at Kowalski Financial, Inc. and Ameriprise Financial Services, Inc. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm employs a financial planning-led investment process featuring low-cost indexing and buy-and-hold strategies, supported by a broad range of supplemental portfolio management options and a suite of retirement plan services.

Christopher Rouse is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Kestra Advisory since 2016 and has been involved with Kestra Investment Services and The KNW Group since 2006. Outside of his advisory role, he serves as CEO of Rouse Executive Solutions and president of Rouse & Company, entities focused on consulting, insurance, and executive benefits planning. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers a range of services such as fiduciary consulting, plan design, and investment advice, serving large institutional investors and maintaining approximately $79.8 billion in assets under management.

David Wymer is a financial advisor with Valic Financial Advisors in Edina, MN, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of his advisory work, he is also an agent with Agia, involved in non-securities insurance products. Valic Financial Advisors serves individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models with various overlay options.

Alexander Krueger is a Series 65 licensed financial advisor with Mariner, where he has worked since 2025. He has four years of industry experience, including seven years at C. C. Dunnavan & Co., Inc. Outside of his financial career, Krueger serves as an assistant coach for the Armstrong Cooper Youth Hockey Association, working with middle school players. Mariner serves a wide range of clients, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and retirement plan consulting. The firm employs discretionary, customized portfolios supported by an Investment Committee and internal research, and it integrates in-house tax and accounting services along with specialized family office and employer financial wellness solutions.

David Peterson is a financial advisor at Creative Planning with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at RBC Capital Markets Corporation and Lockton Financial Advisors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Mathew Litsheim is a CFP® and Series 65-licensed advisor at Creative Planning with four years of industry experience. His work history includes positions at Keystone Wealth Partners and Verve Carriers, LLC, as well as multiple roles at Creative Planning since 2022. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a wide range of clients, including high-net-worth individuals, pension plans, trusts, and corporations. The firm uses a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in assets across more than 1,100 advisors.

Timofey Drozdov is a financial advisor at Mariner with four years of industry experience. He holds the Series 66 designation and has previously worked at OSAIC, Focus Financial, Royal Alliance, and other financial institutions. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm employs a discretionary, customized portfolio approach supported by in-house research and third-party managers, with notable integration of tax and accounting services uncommon for firms of its size.