Ryan Lewis is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial. His prior work includes over a decade at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Maria Russell is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2022. Her prior experience includes roles at Wells Fargo Clearing Services, Gradient Securities, RIA Registrar, and RBC Capital Markets. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rory Cardinal is a financial advisor at Equitable Advisors with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors since 2009, previously associated with AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor solutions based on client goals, risk tolerance, and time horizon.

Andrew Ramsey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 17 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for nine years before joining Wells Fargo in 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Nicholas Kremer is a financial advisor at Fidelity with eight years of industry experience. He previously worked at Ameriprise Financial Services and Robert Half International. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic methods and serves as an advisor to multiple registered investment companies and fund-of-funds.

Luke Meier is a financial advisor with Ameriprise in Hudson, WI, holding Series 63 and Series 66 credentials and with 15 years of industry experience. He has been with Ameriprise since 2015. Outside of his advisory role, he is a co-owner of a non-investment-related business. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver non-discretionary, written recommendations through a centralized consulting team, supporting a broad range of advisory, brokerage, and insurance solutions.

John Quinn is a financial advisor with Wells Fargo Advisors in Saint Paul, MN, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior experience includes 13 years at Ameriprise Financial Services and several years at Wells Fargo Clearing before joining Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and tools to develop tailored recommendations.

Josh Miska is a financial advisor at Osaic Wealth, Inc. with nine years of industry experience. He holds the Series 66 designation and has worked previously at Woodbury Financial Services. He also serves in the Wisconsin Army National Guard. Outside of his advisory role, Miska manages operations at GT Financial Advisors, focusing on proposal creation, account paperwork, and client servicing. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a range of investment options and tools, supported by a complex platform structure involving multiple mergers and third-party commercial arrangements.

Nneka Constantino serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over two decades of experience in financial services, advising a diverse portfolio that includes institutions, nonprofit organizations, businesses, executives, and high-net-worth individuals. Her focus areas encompass employee benefits planning, institutional investment consulting, and wealth management strategies tailored to clients' specific goals and risk tolerances. Nneka holds a Bachelor's degree from Howard University and has pursued additional education in Japanese at Richmond College in Shizuoka, Japan, and Middlebury College. She holds several professional designations, including Certified 401(k) Professional, Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. Fluent in English and Japanese, she collaborates with a team of specialists to provide clients with a broad range of financial products and services. Beyond her financial career, Nneka is actively involved in community service. She serves as a Girl Scouts Troop Leader and is a member of the Ordway Board of Directors. Her professional and community roles reflect a commitment to delivering client-focused financial guidance while engaging with the communities she serves.

Jason Bennett is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 22 years of industry experience. He worked at SII Investments, Inc. for nine years before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Marissa Agustin is a financial advisor with Cetera Wealth Services LLC in Minneapolis, MN, holding a Series 66 designation and three years of industry experience. She has previously worked at Minnesota Life Insurance Co and Securian Financial Services Inc. Outside of her advisory role, she serves as a stage manager for a high school show choir and manages events in a high school auditorium. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, retirement services, and access to third-party managers, operating a multi-manager platform across diverse program structures.

Joel Spry is a financial advisor with RBC Capital Markets in Shoreview, MN. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. His prior work includes seven years with Wells Fargo Clearing and six years with Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, 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 tailors investment strategies based on each client’s Advisory Risk Profile, utilizing both in-house and third-party managers.

Phillip Richards is a financial advisor at Cetera with over 56 years of industry experience. He holds a Series 63 license and has previously worked at Securian Financial Services, Inc. and C.R.I. Securities, Inc. Richards is also an author of multiple books and serves on several nonprofit boards, including the Mayo Clinic of Arizona Leadership Council and the Temple University Board of Trustees. Cetera Investment Advisers LLC is a national multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, allowing advisors to implement various model portfolios and customized strategies.

Kenton Ketchum is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and 21 years of industry experience. His prior work includes long-term roles at Morgan Stanley Smith Barney and Morgan Stanley & Co., as well as shorter tenures at LPL Financial LLC and Wealth Enhancement Group. He is based in Woodbury, Minnesota. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, and custody services through its Schwab Wealth Advisory wrap fee program. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Shannon Mc Ginnis is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 65 designations and has 30 years of industry experience. She has been with Ameriprise and its affiliates since 1996. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice. The firm’s approach incorporates proprietary research and third-party data, emphasizing asset allocation, withdrawal strategies, and Social Security claiming options.

William Creamer is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with LPL Financial since 2010. Creamer serves as a co-trustee of a family trust for a relative, dedicating a portion of his time to this fiduciary role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

James Granse is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 66 designation and 11 years of industry experience. He has worked with Ameriprise since 2013 and is also self-employed as an organic inspector. Granse serves as the treasurer on the board of the Devin Smith Scholarship Foundation and volunteers as an election judge for Hennepin County. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research-driven modeling, tax-efficient strategies, and personalized recommendations delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jeremy Dobson is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is engaged as Treasurer on the Board of Directors for Boy Scouts of America Troop 9017 and conducts physical inspections of farms and processing facilities for organic food certification. He is also the CEO and owner of The Dobson Group, his advising business. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm uses a centralized service team to produce written Recommendation Reports and collaborates with advisors to implement non-discretionary retirement income solutions.

Tyler Westphal is a CFP® professional with 11 years of experience in financial advising. He is currently with Raymond James Financial and has previously worked at Charles Schwab and Northwestern Mutual. Outside of his advisory role, he is involved as CEO of STP Ventures LLC and managing partner of UAM Stillwater LLC, both non-investment-related businesses. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a broad network of advisors with specialized municipal and SIMPLE IRA consulting programs.

Matthew Beck is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at LPL Financial in St. Paul, MN. He previously worked at Ameriprise Financial Services, LLC and Ameriprise Financial Services, Inc. from 2009 to 2026. Outside of his advisory work, he is a soloist and engages in singing activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.