Elise Hartwig is a CFP® professional with seven years of industry experience. She has worked at Commonwealth Financial Network and Integrated Equity Management since 2025, and previously spent six years at Morgan Stanley in various roles. Outside of advising, she has experience in fixed insurance sales conducted at her branch office. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of nearly 2,900 advisors serving individual and institutional clients. The firm offers managed-account programs, access to third-party asset managers, and custody services, providing a comprehensive platform for portfolio implementation and client service.

Richard Ramsay is a financial advisor at J.W. Cole Advisors, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.W. Cole Advisors and J.W. Cole Financial since 2017, following an 11-year tenure at SII Investments, Inc. Outside of his advisory role, Ramsay is involved in real estate development and management through several ventures including Lexington Development and Apres All Day. J.W. Cole Advisors is a national SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent advisers. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Joep Hogervorst is a financial advisor at The Huntington Investment Company with 13 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Ameriprise Financial Services, LGM Wealth Management, LPL Financial, and Wells Fargo in various capacities. Outside of his advisory work, he serves as a ski instructor for children. The Huntington Investment Company, operating as Huntington Financial Advisors, provides advisory and brokerage services to individuals, charitable organizations, corporations, and other business entities. The firm employs an open-architecture investment model combining third-party managers and proprietary Private Bank offerings, with advisory arrangements typically structured as wrap-fee programs.

James Ehrenkrook is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been affiliated with Independent Financial Group since 2013 and also has longstanding ties to Heritage Financial Group Inc and Unum/Paul Revere Life Insurance Company. Ehrenkrook serves as an officer and director of Heritage Financial Group and is a board member of Birchwood Office Park of White Bear Lake Association, Inc. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of advisors and employs multiple advisory programs, including AccessPoint, with custody and execution services provided by Pershing or Schwab.

Mark Kutzke is a financial advisor with Commonwealth Financial Network in Rochester, MN, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He is also the owner of Zenith Wealth Management, LLC, a private entity facilitating securities, advisory, and insurance business. His prior work includes roles at Pratt Kutzke & Associates and Northstar Financial Partners, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering various advisory programs and services along with back-office support in operations, trading, compliance, and practice management.

Michael Stern is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2012. Outside of his advisory work, he is a vice president and partner in MMB & Associates, LLC, an entity formed for personal liability purposes. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Sydney Wilson is a financial advisor at Beacon Pointe Advisors, LLC with Series 65 credentials and one year of industry experience. Prior to joining Beacon Pointe Advisors in 2024, Wilson worked at Landmark Wealth Management Group and held various roles including at Java Dock Cafe. Beacon Pointe Advisors provides wealth advisory, consulting, and outsourced chief investment officer services to a diverse client base that includes individuals, corporations, pension and profit-sharing plans, and other institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Matthew Robbins is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Edward Jones and Transamerica Life Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through a range of managed advice programs, leveraging Morningstar Investment Management for portfolio construction and oversight. The firm operates at scale with over 300 advisors and focuses on asset allocation and retirement guidance without targeting high-net-worth or corporate clients.

Brent Martinson is a CFP® with 21 years of experience in the financial services industry. He is currently with Savant Wealth Management and has previously worked at firms including Empower Advisory Group, PNC Investments LLC, and Transamerica Investors Securities Corporation. Outside of his advisory role, he is an assistant coach for the Eagan Hockey Association, working with youth teams at the squirt and pee wee levels. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management and financial planning services. The firm employs a blend of evidence-based, model-driven asset allocation alongside actively managed strategies, supported by affiliated accounting, legal, and trust service entities.

Mark Finnestad is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He has been with United Planners since 1997 and also owns Pinnacle Planning Group and FFPS, LTD, both non-variable insurance businesses. Outside of advisory work, he is involved in residential rental property management through Finnestad Residential Rentals. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions. The firm operates an open-architecture platform with multiple custodians and third-party money managers, and its ownership structure is majority-held by financial professionals.

Lee Stoerzinger is a financial advisor with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, holding a CFP® designation and Series 63 and 65 licenses, with 32 years of industry experience. He is also an author of the book *On the Back Burner* since 2015 and serves as a member of the Rotary Club of North St. Paul/Maplewood/Oakdale and a board member at large for the Beacon Shores Association. United Planners Financial Services supports a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients, through a network of 477 independent advisors. The firm offers a range of financial planning, portfolio management, and brokerage services via an open-architecture platform utilizing multiple custodians and third-party managers.

Brett Kahnert is a financial advisor at Transamerica Retirement Advisors, LLC with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within the financial services sector, including positions at Transamerica Investors Securities Corporation and Mass Mutual Investors Services. He served on the finance committee of Pilgrim Lutheran Church from 2015 to 2017. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through a range of advice programs focusing on asset allocation, contribution rates, and retirement age guidance. The firm leverages Morningstar Investment Management for portfolio construction and oversight, managing a large client base predominantly with non-discretionary assets.

David Ehrenkrook is a CFP® with 18 years of industry experience, currently serving at Independent Financial Group, LLC since 2013. He also has a long tenure with Heritage Financial Group Inc dating back to 2005. Outside of his advisory roles, he is a freelance drummer and organizes a monthly business networking event called Hops and Handshakes. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm provides a range of investment advisory programs and financial planning services, utilizing both in-house and third-party model portfolios delivered through discretionary and non-discretionary strategies tailored to clients’ risk profiles.

Charles Stewart is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2018 and concurrently at Integrated Equity Management, Inc. since 2015. Stewart has prior experience with Minnesota Life Insurance Company, CRI Securities, LLC, Securian Financial Services, Inc., and North Star Consultants, Inc. He is also involved in fixed insurance sales, dedicating part of his time to this activity. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including wealth management and retirement plan consulting, and offers discretionary model portfolios alongside customizable investment solutions.

Staci Murphy is a financial advisor with Commonwealth Financial Network in New Brighton, MN. She holds Series 63 and Series 66 licenses and has 21 years of industry experience. Her prior work includes roles at LPL Financial, Financial Dimensions Group, Inc., and Royal Alliance Associates, Inc. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Jeffrey Riegle is a financial advisor at Principal Financial Services with 10 years of industry experience. He holds a Series 66 designation and has worked at Green Guardian Wealth Management, Principal Securities Inc, LPL Financial, and Waddell & Reed Inc. Outside of his advisory role, Riegle volunteers supporting the employer outreach program for the Guard and Reserve and serves on the marketing committee for The Foundation of St. Andrew’s. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Dillon Essma is a financial advisor at Savant Wealth Management with five years of industry experience. He holds Series 66 and Series 65 licenses and has previously worked at PrairieView Partners, U.S. Bank, and Wells Fargo. Savant Wealth Management provides comprehensive wealth management, portfolio management, financial planning, retirement plan consulting, and family office services to individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and offers a range of affiliated services including accounting, legal, and trust operations.

Robert Aylin III is a financial advisor at Savant Wealth Management in St. Paul, MN, with 14 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Savant Wealth Management in 2025, he worked at Prairieview Partners LLC and Irwin Schaffer LLC for 17 years each. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management, financial planning, and family office services. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and offers related implementation services through affiliated accounting, legal, and trust entities.

Erik Olson is a financial advisor at NewEdge Advisors with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bane O'Leary LLC and Barber Financial Group. Outside of advising, he operates a sole proprietorship providing insurance sales and service. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a range of portfolio management and consulting services and utilizes technology and centralized due diligence to support its advisor-managed and model-based investment programs.

Michael Darrington is a financial advisor with Principal Financial Services in Lake Elmo, MN, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior work includes roles at Union Financial and Thrivent Financial. Outside of his advisory work, he created "You Or I," a proprietary dice and card game designed for social play. Principal Securities offers brokerage and registered investment advisory services to a diverse client base including individuals, retirement plans, trusts, and corporations. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.