Michele Lemire is a financial advisor with Raymond James & Associates in Duluth, MN, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. She previously worked at RBC Capital Markets Corporation for nine years before joining Raymond James in 2017. Raymond James & Associates is a dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services that are generally non-discretionary with client-directed implementation.

David Kohlhaas is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 22 years of industry experience. He has worked at Raymond James Financial Services Advisors Inc. since 2011. Kohlhaas is also associated with Ascential Wealth in a financial advisory role. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jennifer Williams is a financial advisor at Morgan Stanley in Duluth, MN, with 17 years at the firm and five years of industry experience. She holds the Series 66 and Series 63 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools to develop customized plans.

Amanda Unger is a financial advisor at Osaic Wealth with eight years of industry experience and holds a Series 66 designation. She has previously worked at Sagepoint Financial, Inc., Endersbe, Herron, and Associates, and Midwest Professional Planners, Ltd. Unger is also a licensed notary public. Osaic Wealth serves a broad range of retail and institutional clients, including high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers comprehensive financial planning and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Kyle Imholte is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. He has worked previously with firms including Avantax Insurance Services, 1st Global Advisors, and operates as managing partner at Imholte Financial, LLC. Additionally, he is employed at Haga Kommer, Ltd, a CPA firm providing accounting and tax services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary management, providing access to a variety of portfolios and third-party managers across multiple program structures.

Barbara Nelson is a Series 66-licensed financial advisor with Raymond James Financial Services Advisors, Inc. in Duluth, MN, with four years of industry experience. She has held positions at Ascential Wealth Advisors and Raymond James Financial Services and has also been involved with the Spirit of the Lake Community School and the University of Minnesota Medical School - Duluth Campus. Nelson serves as Board Chair and a finance committee member for the nonprofit Healing Hearts Collective. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Ryan Johnson is a financial advisor with Cambridge Investment Research Advisors in Duluth, MN, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Morgan Stanley, Morgan Stanley Private Bank, Edward Jones, and Symphonic Securities LLC. Outside of his advisory work, he is a youth basketball coach and a committee member of a local conservation society. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of financial professionals and utilizes multiple platforms and custodians to provide both discretionary and non-discretionary management services.

Karis Boerner is a financial advisor with Morgan Stanley in Duluth, MN, holding a Series 66 designation and with 10 years of industry experience. She has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients, offering a variety of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and modeling techniques.

Augusto Vladusic is a financial advisor with Morgan Stanley in Duluth, MN, holding Series 63 and Series 65 credentials and four years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2022 and Morgan Stanley Private Bank, N.A. since 2025. Previously, he was associated with Florida Financial Advisors and JMR Financial Group, Inc., and has academic experience at the University of Wisconsin Superior and Universidad Austral. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models as part of its advisory process.

Joy Dalberg is a CFP® with 8 years of industry experience, currently serving as a financial advisor at RBC Capital Markets. Her work history includes roles at Lutheran Social Services Financial Counseling and involvement with the Mesabi Symphony Orchestra. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, and charitable organizations with tailored portfolio management and financial planning services. The firm employs a mix of in-house and third-party investment managers and offers a variety of advisory programs that incorporate tax management and responsible investing options.

Derek Olson is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include 24 years at RBC Wealth Management and a year at Redhawk Wealth Advisors. He is also an owner and officer of Panichi Olson Wealth Advisors LLC, where he serves as vice president. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Timothy Sieh is a financial advisor with Merrill in Duluth, MN, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Merrill since 1989 and also associated with Bank of America since 2011. Outside of his advisory role, Sieh serves as a trustee for a family estate trust and is involved in local community organizations including a condominium homeowner's association. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies serving individuals, high-net-worth clients, and institutional investors.

James Proctor is a CFP® with 43 years of industry experience, currently serving at RBC Capital Markets since 2008. He is based in Duluth, MN, and holds Series 63 and Series 66 licenses. Proctor serves on the Board of Directors for Minnesota Masonic Charities, contributing to the organization’s charitable activities. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base that includes individual investors, institutions, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management tailored to client risk profiles, utilizing both in-house and third-party investment managers.

Debra Carlson is a financial advisor with RBC Capital Markets in Duluth, MN, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She worked at Merrill Lynch from 1994 to 2017 before joining RBC Capital Markets in 2017. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio strategies implemented through various investment managers and model providers.

James Joynes is a Senior Vice President and Wealth Management Advisor based in Merrill Lynch’s Duluth, Minnesota office. As the senior and founding partner of Joynes Wealth Management Group, he leads a team of financial professionals dedicated to serving the specialized needs of individuals and families of wealth. The group includes three financial advisors and an administrative professional, each contributing distinct skills to deliver comprehensive and responsive client service. With a career at Merrill beginning in 1988 following his graduation from the University of Minnesota Duluth with a major in Finance and Marketing, James leverages decades of experience to assist clients in setting long-term financial goals and implementing customized wealth management strategies. His expertise spans wealth management, retirement planning, college planning, portfolio development, and small business strategies. As a qualified Portfolio Manager, he manages personalized strategies that may include individual securities, Merrill model portfolios, and third-party investments, sometimes on a discretionary basis. He holds multiple professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Divorce Financial Analyst® (CDFA®), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). James draws on his background growing up in a multi-generational family business to offer insight into family dynamics and the challenges facing small business owners. Outside of his professional responsibilities, he is involved in community initiatives such as the Joynes Youth Challenge, which provides scholarships for youth participation in the Lutsen 99er mountain bike race, and participates in various sporting events and races. His personal interests include adventure sports, biking, hiking, running, skiing, and spending time with his family.

Justin Lyons is a financial advisor with LPL Financial based in Duluth, MN, holding Series 63 and Series 65 credentials and one year of industry experience. His work history includes roles at Frandsen Bank & Trust, Wells Fargo Clearing, and Wells Fargo Bank, NA, as well as earlier experience in hospitality management. 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, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Xavier Mcnulty is a financial advisor at RBC Capital Markets with a Series 66 designation and two years of industry experience. Before joining RBC, he worked at The College of St Scholastica and Play it Again Sports, and he also held a role at Oneota Cemetery. RBC Wealth Management serves a diverse client base that includes individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Dean Mccall is a financial advisor at Morgan Stanley with 22 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2003. He holds Series 63 and Series 65 licenses. Outside of his advisory role, Mccall serves as an officer for a local Toastmasters International club focused on public speaking development. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and investment research.

Heather Maki is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the multi-generational Joynes Wealth Management Group. She focuses on women and wealth, as well as assisting clients through life transitions such as retirement, inheritance, divorce, or loss of a loved one. Heather joined Merrill in 2014 and brings prior experience from the retail banking side of the financial services industry. Heather's areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and values-based investing including socially responsible and ESG investing. She holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She also completed a non-accredited certificate program from the University of Minnesota. Outside of her professional role, Heather is involved in community organizations such as the American Red Cross—where she serves as Board Chair—P.E.O., Salvation Army, United Way, and World Vision. Her personal interests include hiking, boating, cooking, golfing, painting, reading, singing, and yoga.

Lindsey Okstad is a financial advisor with LPL Financial in Duluth, MN, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Prior to joining LPL Financial in 2021, Lindsey worked at Waddell & Reed, Inc. for 16 years and was involved with various insurance carriers for 15 years. Lindsey also managed an independent business entity, Lindsey Okstad, LLC, starting in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a broad range of strategic, tactical, and alternative investment options.