Luke Johnson is a CFP® with 18 years of industry experience, currently serving as the sole advisor at Boreal Advisors LLC since 2019. His prior roles include positions at Ameriprise Financial Services, Inc. and Ballast Advisors, LLC. Johnson has maintained independent insurance agent activities through September 2026. Boreal Advisors LLC is an independent registered investment adviser that primarily serves individual clients, offering discretionary and non-discretionary asset management, financial planning, and passively managed account options. The firm employs fundamental analysis, modern portfolio theory, and passive strategies, with a focus on rebalancing and tax-loss harvesting, and manages approximately $60 million in assets across 88 clients without a minimum account requirement.

James Wilkinson is the principal of Wilkinson Capital Management, LLC, an independent investment advisory firm based in St. Paul, MN. He holds Series 63 and 65 licenses and has 24 years of industry experience, including prior roles at Merrill, UBS Financial Services, Piper Sandler & Co., and Strong Capital Management. Wilkinson has operated his current firm since 2016. Wilkinson Capital Management provides discretionary investment management and financial planning services to individuals, high net worth clients, trusts, and estates. The firm manages approximately $97 million across about 98 clients, employing a primarily long-term, customized approach with diversified portfolios consisting of low-cost mutual funds, ETFs, individual stocks, bonds, and occasionally unaffiliated independent managers.

Denise Alemayehu is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 39 years of industry experience. She has been with Cambridge Investment Research Advisors since 2009 and has worked in the financial services industry since 1991, including operating her own advisory firm. Cambridge Investment Research Advisors serves a diverse range of clients, including individual investors, retirement plans, and charitable organizations, offering financial planning, portfolio management, and retirement plan advisory services through a large network of independent financial professionals.

David Johnson is a CERTIFIED FINANCIAL PLANNER™ professional with 14 years of industry experience. He is the principal advisor at Right Path Financial LLC, an independent firm he has led since 2020. Prior to this, he held roles at Gradient Advisors, LLC and operated his own financial planning practice as a sole proprietor. In addition to his advisory work, Johnson also serves as a director at Case Central, LLC, where he focuses on financial plan creation. Right Path Financial LLC provides investment advice and financial planning primarily to individual clients, utilizing third-party model portfolios through the Orion Portfolio Solutions Strategist program. The firm offers non-discretionary asset management and standalone financial planning services without requiring an account minimum.

William Patterson III is the sole advisor at Second Avenue Capital in Minneapolis, Minnesota. He holds a Series 63 designation and has 11 years of industry experience. Patterson has been with Second Avenue Capital since 2006. Second Avenue Capital provides discretionary investment management to institutional and individual clients, focusing on a value-oriented, research-driven approach targeting undervalued companies. The firm manages a limited number of accounts with a preferred minimum account size and offers performance-based fee arrangements to qualifying high-net-worth clients.

I didn't stumble into financial planning. I was drawn to it by a small inheritance, a paperboy route, and a widow who needed help balancing her checkbook. After two decades across multiple firms — seeing the conflicts, the minimums, the overlooked clients — I knew there was a better way. So, I built it. I started Your Path because I believe every generation deserves access to real, honest, planning-first financial guidance — not just those who already have wealth. Your Path exists because I believe planning should come first, not products. Because the best advice is given by someone who is legally and ethically on your side.

Jeremy Graff is a CFP® and holds a Series 66 license with 15 years of industry experience. He has been the principal advisor at Graff Financial LLC since 2010, based in Edina, MN. Graff Financial, LLC is a boutique advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm provides asset management and financial planning services, utilizing model asset-allocation portfolios primarily with no-load mutual funds and ETFs, and manages most assets on a non-discretionary basis to maintain a collaborative investment process.

Amber Fitzrysler is a CFP® and holds a Series 65 license with nine years of industry experience. She has worked at Rising Financial, LLC since 2022 and previously spent seven years at The Planning Center, Inc. Rising Financial provides investment management and comprehensive financial planning services to individual and high-net-worth clients. The firm focuses on values-based or ESG-informed portfolio construction using primarily passive, asset-class-based strategies, and offers a fee-only model with formula-based ongoing fees, fixed project packages, and hourly options.

Nancy Narusiewicz is a financial advisor at Minder Narusiewicz, Inc. with 17 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 16 years and OSAIC for 3 years. In addition to advisory services, she is involved in tax preparation and life, health, and annuity sales. Minder Narusiewicz, Inc. is a registered investment adviser serving individual and high-net-worth clients through a single-advisor practice. The firm provides non-discretionary portfolio management, written financial planning, and tax preparation services, constructing individualized portfolios using risk tolerance and asset allocation tools.

Geetu Sharma is the Managing Member and Chief Investment Officer of 95 Impact Partners LLC and the principal of AlphasFuture LLC. She holds a Series 65 designation and has seven years of industry experience, including prior roles at Pictet Asset Management. Ms. Sharma splits her time between her responsibilities at 95 Impact Partners and AlphasFuture. AlphasFuture LLC provides discretionary and non-discretionary investment advisory services to individual and high-net-worth investors, charitable organizations, and other advisers. The firm focuses on customized investment policy statements and manages portfolios with a combination of fundamental and quantitative analysis, emphasizing long-term allocations to global equities.

White Turf Financial was founded by Todd Moritz with the aim of ensuring the client’s interests are put first. White Turf operates on a fee-only basis so that you know all advice is given because it is best for your individual situation. White Turf will not receive any kickbacks, commissions, or incentives, for directing you in one direction or another. At the end of the day, everyone wants to feel confident and secure, and White Turf aims to do the worrying for you, so you don’t have to. Todd is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Certified Public Accountant (CPA), and a Personal Financial Specialist (PFS). He has a background in public accounting, working on tax planning for high net worth individuals, nonprofits, and small businesses, as well as complex investment taxation situations. After spending some time in the investment world, Todd transitioned to financial planning, where he feels his true calling in doing the financial worrying for you, so you don’t have to. He is supported by his wife, Hilary, and through fond memories of their late Great Dane, Jaxson, and Boxer/Lab, Duncan.

Edward Anderson is a CFP® with seven years of industry experience. He is the principal advisor at Twin Arbor Wealth Management LLC, an independent firm based in Saint Paul, MN. His prior experience includes roles at Winter & Associates, United Planners Financial Services, Lee Stoerzinger Wealth Management, and Sterling Wealth Management. Outside his advisory work, he provides limited tax-preparation services focused on simple individual returns. Twin Arbor Wealth Management serves individual and high-net-worth clients with discretionary portfolio management and financial planning. The firm uses fundamental analysis, modern portfolio theory, and quantitative techniques to build ETF-focused portfolios and employs both long- and short-term trading strategies. Twin Arbor manages a concentrated client base and requires clients to use a specific custodian, Altruist.

Spencer Kubo is the sole advisor at Kubo Financial Planning and Investments, LLC in Edina, MN. He holds the Series 66 designation and has 14 years of industry experience, including prior roles at Merrill and Bank of America. Spencer founded his independent firm in 2018. Kubo Financial Planning and Investments, LLC manages approximately $31 million for a focused client base including individuals, high-net-worth clients, charitable organizations, businesses, and retirement plans. The firm uses a long-term, goals-based asset allocation approach primarily employing low-cost mutual funds and ETFs, supplemented by individual securities and options as appropriate, and also offers retirement plan consulting and fiduciary services.

Thomas Modec III is a financial advisor with Counterculture Wealth LLC, holding Series 63 and Series 65 licenses and having eight years of industry experience. His prior work includes roles at Northwestern Mutual and Mass Mutual, as well as involvement with the University of Minnesota Twin Cities and Nectarine. Counterculture Wealth LLC is a fee-only registered investment adviser serving individuals, couples, and families with financial planning and investment management. The firm focuses on personalized, primarily non-discretionary management using passive, low-cost asset allocation strategies and employs artificial intelligence tools to support planning and research.

Daniel Murphy is a financial advisor at Greater Good Financial with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Resources Investment Advisors, Inc. since 2013. He also performs contract work for Great River Financial LLC. Greater Good Financial is an independent investment adviser serving individuals, including high-net-worth clients, and charitable organizations. The firm focuses on asset allocation with both strategic rebalancing and tactical adjustments, combining passive and active investments, and offers socially responsible investing along with customized portfolios when requested.

David Kerwin is the sole advisor at Kerwin Asset Management, LLC in Edina, MN. He holds the CFA® designation along with Series 63 and Series 66 licenses and has 12 years of industry experience. He has led Kerwin Asset Management since its founding in 2008. Kerwin Asset Management serves individuals, high-net-worth clients, and charitable organizations, offering discretionary investment management and optional financial planning through a third-party platform. The firm employs a fiduciary approach using modern portfolio theory and proprietary optimization models to tailor portfolios primarily composed of low-cost passive ETFs, with a focus on risk management and customized investment policies.

Richard Shulman is a Series 65-licensed advisor at GB Associates, Inc. in Shoreview, MN, with 12 years of industry experience. He has been with GB Associates since 1982. GB Associates provides discretionary investment management and advisory services to individuals, high-net-worth clients, and trusts. The firm emphasizes long-term, customized portfolios using diversified mutual funds and ETFs, with ongoing monitoring and tax-aware strategies.

Andrew Wagner is the principal of Wagner Road Capital Management, LLC, an independent firm based in St. Paul, MN. He holds a Series 65 designation and has eight years of industry experience. Prior to founding his firm in 2018, Wagner worked at St Clair Properties for one year. Outside of his advisory role, he serves as a volunteer manager at Free Geek Twin Cities, a nonprofit addressing the digital divide and electronic waste. Wagner Road Capital Management provides discretionary investment management and consulting services to individuals, trusts, estates, and other entities. The firm’s approach focuses on concentrated, long-only equity portfolios of U.S.-based companies, emphasizing fundamental analysis and risk limits without the use of leverage, derivatives, or shorting.

Cynthia Turkington is a CFP® professional with 27 years of industry experience, currently serving as the sole advisor at Fair Trust Financial LLC since 2019. She previously worked with Cambridge Investment Research Advisors, Inc. for eight years. In addition to her advisory role, she operates Fair Trust Divorce Solutions LLC, providing financial settlement analysis and planning for divorce cases. Fair Trust Financial LLC offers non-discretionary asset management, financial planning, and ERISA plan services to individuals, trusts, and retirement plans. The firm emphasizes retirement plan consulting and employs individualized investment strategies that require client approval before execution, with regular account reviews and educational seminars.

Patrick Mulvehill is a financial advisor with Baztec Capital Management, LLC in Edina, MN. He holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining Baztec Capital Management, he worked at Baztec Capital LLC and Cornerstone Capital. Baztec Capital Management provides discretionary portfolio management and financial planning primarily to individual clients, family members, and charitable organizations. The firm sponsors and manages private investment funds and employs fundamental analysis and tailored asset-allocation models across a range of securities, including equities, bonds, and derivatives.