Ryan Johnson is a financial advisor with Cambridge Investment Research Advisors in Duluth, MN, holding a Series 66 credential and 14 years of industry experience. His prior work includes roles at Symphonic Securities LLC, Morgan Stanley, and Edward Jones. Outside of his advisory work, Johnson is involved as a youth basketball coach and serves as a committee member for the Ruffed Grouse Society chapter. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm offers multiple investment platforms and strategies, combining proprietary models with access to external strategists and supporting various approaches tailored to client objectives.

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.

John Docter is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1984, he has focused on customizing asset allocation strategies to address the evolving needs of individual, family, and business clients. John incorporates both traditional and alternative market-linked investments in portfolios designed to enhance alpha, reduce beta, and implement downside hedging strategies. John holds a Bachelor’s degree in Finance from the University of Minnesota, Duluth, and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, he is actively involved in community activities such as Habitat for Humanity and has served as a pace car driver for Grandma’s Marathon since 1976. John is married and pursues personal interests in fitness, competitive water skiing, and trail building.

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.

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 CFP® professional affiliated with Merrill, with 37 years of industry experience. He has been with Merrill since 1989 and has also worked at Bank of America, N.A. since 2011. In addition to his advisory role, Mr. Sieh serves as trustee for a family trust and is involved in local community organizations such as the Lester Park Condominium Homeowner's Association. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Trent Braaten is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses. He has been with Wells Fargo Clearing since 2025 and has prior experience working at Wells Fargo Bank, Concordia Moorhead, and several other organizations. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Hugo Hietapelto is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 22 years of industry experience. He has been with MML Investor Services, Inc. and MassMutual Life Insurance Company since 2008. In addition to his advisory role, he serves as an adjunct professor teaching business courses at the University of Minnesota Duluth and the College of St. Scholastica. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. Their approach includes collaborative, goal-based planning with firm-approved analytical tools, offering a range of event-driven and specialized planning programs.

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 at LPL Financial with 20 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Waddell & Reed, various insurance carriers for W & R Insurance Agencies, and managing 750 Lakeview LLC. Lindsey also operates Lindsey Okstad, LLC as a separate business entity. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Kimberly Alexander is a financial advisor at Morgan Stanley in Duluth, MN, holding a Series 66 designation and beginning her advisory career in 2023. Prior to joining Morgan Stanley in 2025, she worked at Liberty Wealth Management of Raymond James and has experience in various roles outside finance, including two decades at Aamodt's Hot Air Balloon Rides, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, using structured planning tools and advisory programs.

Christopher Anderson is a financial advisor with Merrill in Duluth, MN, holding a Series 66 designation and 12 years of industry experience. He has worked at Merrill since 2013 and has been affiliated with Bank of America, N.A. since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Heather Malyuk is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021, with prior roles at Waddell & Reed Inc and various insurance carriers. Outside of advising, she serves as a behavior specialist providing adult care for individuals with mental illness or traumatic brain injuries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and technology-driven investment strategies.

Kristi Palmer is a financial advisor with Merrill in Duluth, MN, holding Series 63 and Series 65 licenses and 40 years of industry experience. She has worked at Merrill since 2017 and previously spent four years with U.S. Bancorp Investments, Inc. Outside of her advisory role, she is a co-owner of a family real estate venture. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Peter Emerson is a financial advisor with Merrill in Duluth, MN, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has worked at Merrill since 1985 and at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as president of a farm and hunting preserve in South Dakota. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Quinton Homstad is a financial advisor with Raymond James & Associates in Duluth, MN. He holds a Series 66 designation and has been with Raymond James since 2026. Prior to his current role, Homstad worked at Frandsen Bank & Trust for four years and has experience in various positions outside the financial industry, including roles at Menards and FedEx. Raymond James & Associates 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, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research resources.

Christine Hogquist is a financial advisor at Thrivent Investment Management in Duluth, MN, holding a Series 66 credential. She has one year of industry experience, including previous roles at LPL Financial and North Shore Bank of Commerce. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm provides holistic, goal-based financial planning covering a broad range of topics, with an option to combine planning and managed accounts under a consolidated billing program called WealthPlan.

Stephanie Gillman is a Series 66-licensed financial advisor with Ameriprise in Duluth, MN, beginning her advisory career in 2025. Prior to joining Ameriprise, she worked in education for over a decade and also spent time as a homemaker. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.