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.

Brett Shaw is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked across various Wells Fargo entities since 2011. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that offers investment and fee‑based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and specialized planning for niches such as business-owner transitions and special-needs analysis.

Carey Groethe is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and 14 years of industry experience. He has worked at RBC Capital Markets since 2007 and is also associated with City National Bank since 2019. Groethe serves on the boards of several nonprofit organizations, including the Central Minnesota Housing Partnership and Central Minnesota Youth for Christ, and volunteers on the 7th District Ethics Committee for the Office of the Director of Lawyers Professional Responsibility. RBC Wealth Management, a division of RBC Capital Markets, offers advisory services to individual and institutional clients, including high-net-worth investors and charitable organizations. The firm provides tailored investment programs featuring discretionary and non-discretionary portfolio management, financial planning, and custody services, supported by a range of in-house and third-party investment managers.

Laura Humphrey is a financial advisor at Osaic with 12 years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and Securities America Inc. Outside of her advisory work, she is a notary public and operates Granite Financial, LLC, which provides securities, insurance, and financial advice services. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines brokerage and investment advisory services with financial planning and managed account solutions, employing tools such as asset-allocation models and automated rebalancing to create tailored portfolios.

Jaclyn Evavold is a financial advisor with Cetera, holding a Series 63 designation and bringing 39 years of industry experience. She has worked with Cetera and its related entities since 2013, previously serving at St. Cloud Federal Investment Services. In addition to her advisory role, she is an insurance agent licensed to sell life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Renee Volk is a financial advisor at Ameriprise Financial Services with 10 years of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2015. Volk is co-owner of St. Cloud Financial Planning Services, LLC, and volunteers providing pro bono financial planning to cancer patients through the Angel Foundation’s Financial Cancer Care Program. She also participates in community activities at Our Lady of Grace Catholic Church. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines proprietary research and third-party data to deliver tailored, tax-aware withdrawal strategies, operating within a defined investment universe that includes affiliated product offerings.

James Peterson is a financial advisor at LPL Financial with 37 years of industry experience. He holds a Series 63 designation and has worked at firms including Raymond James Financial Services, Bremer Bank, and Old National Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Tyler Bautch is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has previously worked at Clifton Larson Allen and Stearns County, Minnesota. Outside of advising, he owns and operates a small lawn care business and a tax preparation service. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kelly Bates is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and two years of industry experience. Bates has been with Wells Fargo Bank, N.A. since 2005 and has worked at Wells Fargo Clearing since 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Beste is a financial advisor with Ameriprise in Saint Cloud, MN, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet specific asset thresholds, providing tailored Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach while offering a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Sarah Thoreen is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. She has been with Cetera since 2023 and has previous experience at multiple firms including Summit Brokerage Services, First Allied Securities, and Girard Securities. Outside of her advisory work, she is a certified trick dog instructor, dedicating a small amount of time weekly to this activity. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform combining model portfolios, third-party managers, and bespoke strategies across various program structures and custodial relationships.

Hubert Reinarz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Wells Fargo in various capacities since 2014. Outside of his advisory work, he has ownership in a home health care business and works part-time at a golf course pro shop. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jamie O’Rourke is a CFP® professional with 19 years of industry experience, currently affiliated with Ameriprise since 2007. He also owns St Cloud Financial Planning Services, which provides administrative support to financial planning practices, and serves as Treasurer on the Board of Directors for Delta Kappa Gamma. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations.

Jason Lupinek is a financial advisor with Cetera who holds the ChFC® and Series 66 designations and has 28 years of industry experience. He has been with Cetera Investment Services LLC since 1998 and Cetera since 2014. Outside of his advisory role, he owns a seasonal lawn thatching business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Brooke Radi is a financial advisor with Edward Jones in Sauk Rapids, MN, holding a Series 66 credential and four years of industry experience. Prior to rejoining Edward Jones in 2022, Brooke worked at LightEdge Solutions and held various academic and corporate roles, including positions at Charles University Faculty of Arts and Meredith Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs under a fiduciary standard.

Micah Barrett is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and 13 years of industry experience. He has been with RBC Capital Markets since 2010. Outside of his advisory role, Barrett serves as president of the Trout Unlimited Mid-MN Chapter and is a board member of the St. Cloud Symphony Orchestra. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies using a combination of in-house and third-party managers, providing a range of advisory programs and portfolio management services.

Connor Gradin is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. His work history includes roles at multiple Cetera entities since 2022 and prior experience at Bremer Bank and Northwestern Mutual. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement various investment strategies with access to affiliated and third-party managers.

Joseph Scharfbillig is a financial advisor at LPL Financial in St. Cloud, MN, with 22 years of industry experience. He holds Series 63 and Series 66 designations and has a work history spanning multiple firms affiliated with Cetera and LPL Financial since 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting its advisors with research, technology tools, and a range of discretionary and non-discretionary investment strategies.

Adam Kilibarda is a financial advisor at Ameriprise in St. Cloud, MN, holding Series 63 and Series 66 licenses with six years of industry experience. His prior work includes roles at LPL Financial, Topline Federal Credit Union, and Northwestern Mutual. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service which provides tailored retirement income planning using a combination of proprietary research and third-party data.