Christian Zepeda is a CFP® professional with 23 years of industry experience, currently serving at Charles Schwab since 2019. His prior experience includes roles at Wells Fargo Advisors and Merrill. Outside of his advisory role, he is the managing member of CJAM Family Ventures LLC, which holds a passive investment in Trevls, Inc., a Tesla rental car company. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Matthew Brunner is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and its affiliated entities since 2020. Prior to his financial services career, he was involved with Finnegans Brew Co. and Grandmas Restaurants Inc. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning without discretionary trading authority. The firm integrates planning with managed-account options under consolidated billing while maintaining separate service structures.

Mark Miller is a CFP® with 43 years of industry experience, currently serving at LPL Financial since 2010. His background includes business activities such as facilitating legal document establishment through North Oaks Legal Services and occasional motivational speaking at churches, colleges, and businesses. He is also a licensed notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Ryan Belt is a financial advisor with Cambridge Investment Research Advisors in Woodbury, MN. He holds a Series 66 designation and has five years of industry experience. His prior work includes roles at Thrivent Investment Management, Cetera Investment Advisers, and Securian Financial Services. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment solutions through a network of independent Financial Professionals, utilizing both proprietary and third-party strategies across multiple custody platforms.

Daniel Hovland is a CFP® and CFA® with 26 years of experience in the financial industry. He has worked at Cambridge Investment Research Advisors since 2012 and is also associated with Gruba, Hovland, & Co. Since 2008, he has operated a business called Tailored Wealth Strategies and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, retirement plans, charitable organizations, trusts, and estates. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, offering both proprietary and third-party strategies across multiple custody and platform arrangements.

Andrew Fritsch is a financial advisor at Charles Schwab with 19 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and its related entities since 2011. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Investments. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Jessica Cripps is a Financial Consultant currently working at Fidelity Investments, where she has been since 2022. In her role, she collaborates with clients to provide a holistic experience and helps to simplify complex financial concepts. Jessica partners and aligns with clients to empower them to make well thought out decisions based on their unique, individual needs. Her professional experience includes positions as an Investment Consultant and Planning Consultant at Fidelity Investments, an Associate Client Account Manager at Stevens Foster Financial Advisors, a Wealth Advisor at Ovation Wealth Advisors, and a Senior Registered Client Associate at UBS Financial Services. This range of experience has contributed to her expertise in financial consulting. Outside of her professional work, Jessica has interests in board games, gardening, movies, music, pets, and singing.

Patrick Gherity is a financial advisor with LPL Financial in Vadnais Heights, MN, holding Series 63 and Series 65 registrations and bringing 30 years of industry experience. His work history includes roles at U.S. Bancorp Investments, Bremer Bank, Raymond James Financial Services, and CUNA Brokerage Services. 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, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Alysha Parotti is Vice President, Wealth Planner at Fidelity, a role she has held since 2025. In this position, she leads a team focused on guiding individuals and families in making informed decisions involving wealth growth, protection, enjoyment, and transfer. Prior to this, Alysha held various roles at Fidelity including Financial Consultant from 2022 to 2025 and Investment Consultant from 2021 to 2022. She also has experience as an Adjunct Professor of Business at the University of Northwestern - St. Paul in 2021 and worked with Thrivent as an Associate Producer 1 from 2020 to 2021, and as an Associate Representative in 2020. Alysha holds a California Insurance License, supporting her work in financial planning and consulting.

Chris Chandler is a financial advisor with Edward Jones in New Richmond, WI, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. 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 through a nationwide network of advisors and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Anthony Zajac is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 designation and has been with Edward Jones since 2005. The firm serves more than four million individual and institutional clients, offering a range of wealth management services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. Edward Jones manages approximately $1.01 trillion in assets under management and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Mark Sunberg is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has held roles at Cetera since 2013 and is the owner of Sunberg Capital Partners, Inc. Outside of his advisory work, Sunberg is a co-owner of Red's Savoy Pizza, a restaurant in St. Paul, MN, and serves as vice president and board member of Discern Capital Inc, a holding company for private investments. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures and custodial relationships.

Edward Gwiazdon is a CFP® and Series 66-registered financial advisor with Ameriprise in Lake Elmo, MN, with 23 years of industry experience. He has been with Ameriprise and its affiliate firms since 2002. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise-managed accounts.

Susan Franklin is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory work, she is involved in community activities, serving on a committee for the Northwest YMCA and acting as Treasurer for the Suburban Corvettes of Minnesota social club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides a range of portfolio management, financial planning, and brokerage services.

Jonathan Ehresmann is a financial advisor with Ameriprise in Stillwater, MN, holding a Series 66 credential and bringing 10 years of industry experience. Before joining Ameriprise in 2024, he worked at Thrivent Financial and Thrivent Investment Management from 2015 through 2024. Outside of his advisory role, Ehresmann performs live music with two bands and provides private guitar lessons. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Autumn Schinka is a financial advisor with Thrivent Investment Management in Cottage Grove, MN. She holds the Series 66 designation and has three years of industry experience. Prior to joining Thrivent, she spent 20 years at Best Buy Co., Inc. Outside of advising, she works occasionally as a freelance video producer and director and serves as president of the Stillwater Area High School Girls Golf Booster Club. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based planning covering a wide range of financial topics, with the option to combine planning with managed-account services under a consolidated billing system.

Daniel De St. Aubin is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2013. Outside of his advisory role, he is involved in coaching youth athletes with the St. Croix Soccer Club. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides its services through structured planning processes supported by firm-approved tools and investment modeling.

Lawrence Donna is a financial advisor with LPL Financial in Oakdale, MN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Timothy Hennen is a financial advisor with LPL Financial in White Bear Lake, MN, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2021, he worked at nVent, Open Access International Technology, and Border States Electric. Outside of his advisory role, he owns and operates an e-commerce website called Champion E-Comm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. It offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary research and third-party strategies.

Christopher Greene is a financial advisor with Charles Schwab & Co., Inc. He holds a Series 66 designation and has been with Charles Schwab since 2025. Prior to his current role, he gained experience in banking and hospitality. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm combines a large client base with integrated brokerage, custody, and advisory services.