Wayne Schluchter is a financial advisor at RBC Capital Markets with 38 years of industry experience. He holds Series 63 and Series 65 registrations and previously worked at Schluchter Investment Advisors and Commonwealth Financial Network. Outside of his advisory role, he serves as an assistant varsity football coach at St. Cloud Technical High School and is involved with the NDSU Foundation & Alumni Association as a director. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs providing portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Aaron Zimmer is a CFP® professional with 11 years of industry experience, currently affiliated with Cetera. He has previously worked with firms including Securian Financial Services and Minnesota Life Insurance, and currently operates his own financial services business, Aaron M Zimmer Agency LLC. Zimmer is based in St. Cloud, MN. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, various retirement services, and access to third-party money managers across multiple program structures and investment strategies.

Lacy Plemel is a financial advisor at Equitable Advisors with two years of industry experience and holds the Series 66 designation. Prior to joining Equitable Advisors, Plemel has held leadership roles in several private businesses, including Plemel Medical & Consulting LLC and Plemel Roof Technologies LLC. She also serves as an Executive Assistant for the Minnesota Society of Plastic Surgeons, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers these services through a network of Investment Adviser Representatives, utilizing various third-party asset managers and advisory programs.

Patrick Kruchten is a financial advisor with Ameriprise in Saint Cloud, MN, holding the CFP® and Series 63 designations and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he has served on the finance committee of LEAF and has acted as an expert witness in financial cases. Ameriprise offers retirement-income planning services focused on individuals with substantial investable assets, delivering tailored, research-based recommendations through a centralized consulting team. The firm combines modeling, tax analysis, and asset management strategies, with an emphasis on assets held in Ameriprise-managed accounts.

Chad Raiche is a financial advisor with Cetera in St. Cloud, MN, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked at Cetera since 2016, following earlier roles at Gradient Advisors, LLC, Independent Financial Group, LLC, and Dougherty & Associates Financial Advisors, Inc. Outside of his advisory work, Raiche co-chairs an amateur state baseball tournament and serves as a trustee board member at Annandale Evangelical Church. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporations, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with multiple program structures and custodial relationships.

Josephine Kruchten is a financial advisor at Ameriprise with four years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2021. Prior to her current role, she was involved with the Power Plate Meals Company and has experience in various positions including at North Dakota State University and School District 742. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

John Elliott is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs and customizes portfolio strategies based on clients’ risk profiles, utilizing both in-house and third-party investment managers.

Devon Hanson is a financial advisor with Ameriprise in Saint Cloud, MN, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliate since 2008. Outside of his advisory role, Hanson serves as Booster Club president for the Cathedral Track and Field team. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations in partnership with its advisors.

Daniel De Vargas is a financial advisor at Cetera with Series 66 credentials and one year of industry experience. His prior work includes roles at Cold Spring Brewery and several part-time positions before joining Cetera. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Jay Loch is a financial advisor with RBC Capital Markets and holds Series 63 and Series 65 credentials. He has 30 years of industry experience and has worked at RBC Capital Markets since 2008 and City National Bank since 2019. Outside of his advisory role, he serves on the boards of several local organizations, including the Eden Valley-Watkins Community Foundation, the Paramount Arts District, the Tech Hockey Booster Club, and the St. Cloud Country Club. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, utilizing both in-house and third-party managers to meet diverse client needs.

Charles Murray is a financial advisor with Raymond James & Associates in Saint Cloud, MN, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include five years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional fiduciary services with a primarily non-discretionary approach.

Eric Henry is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with multiple Cetera entities since 2013. He is based in St. Cloud, MN. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning options, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Keith Laudenbach is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, combining in-house and third-party managers to meet diverse client needs.

Michael Siegler is a financial advisor at OSAIC with two years of industry experience. He holds a Series 66 credential and has previously worked at SagePoint Financial and Caliber Financial Group. Outside of advising, he has experience assisting clients with life insurance and disability income insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs. The firm employs firm-provided asset-allocation tools and supports both discretionary and non-discretionary account management.

Corey Hacker is a financial advisor at Cetera with over 30 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His career includes long-standing roles at multiple entities affiliated with Cetera and other firms dating back to 1999. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Christopher Gadacz is a Series 66-credentialed financial advisor at Cetera with 19 years of industry experience. He has been with Cetera and its affiliate Cetera Investment Services since 2012. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a large 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 custodians.

James Lynch is a financial advisor with LPL Financial in St. Cloud, MN, holding a Series 63 designation and 31 years of industry experience. His prior roles include positions at Investment Centers of America and Cetera. Outside of his advisory work, Lynch has served as a high school wrestling referee since 1992. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Adam Schlichting is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to his career in financial advising, he spent twelve years at Luther St Cloud Honda. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Nancy Minkkinen is a financial advisor at RBC Capital Markets with Series 63 and Series 65 licenses and 28 years of industry experience. She has worked at RBC Capital Markets since 2021 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Tren Dinius is a Series 66-licensed advisor with Cetera who has seven years of industry experience. He has been with Cetera and its affiliated entities since 2018 and previously worked at OneMaine Financial and Target. Outside of his advisory role, he serves as treasurer for the Swanville Athletic Booster, managing payments and fundraising activities. Cetera Investment Advisers LLC is an SEC-registered adviser that operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, including access to third-party money managers and model portfolios.