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 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.

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.

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 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.

Lauren Farden is a CFP® professional with five years of industry experience, currently advising clients at Edward Jones in Duluth, MN. Her prior work includes roles at Northwood Children's Services and Duluth Schools District, as well as experience in data solutions and environmental education. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment strategies through a large network of financial advisors and branch offices nationwide.

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.

Gary Bubalo is a financial advisor with RBC Capital Markets in Duluth, MN, holding Series 63 and Series 65 credentials and bringing 49 years of industry experience. He has been with RBC Capital Markets since 2009. Outside of his advisory role, he has served as a director for the GND Development Alliance, a community non-profit focused on revitalizing the far West Duluth recreation area, and holds leadership positions with the Aad Shrine and Shriner's Hospital Twin Cities charitable organizations. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering customized portfolio management and advisory services through multiple wrap fee programs and a combination of in-house and third-party investment managers.

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.

Kevin King is a financial advisor with Thrivent Investment Management in Hermantown, MN, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2011. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping planning and portfolio management separate.