Janice Uberecken is a financial advisor at LPL Enterprise with 33 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for Prudential Insurance Company of America and Pruco Securities, LLC for 31 years. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Drew Lechner is a financial advisor with LPL Enterprise in St. Cloud, MN, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Northwestern Mutual, and AXA Equitable. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a variety of brokerage and insurance products via an integrated platform.

Joseph Tetrault III is a Series 66-licensed financial advisor with Edward Jones in St Cloud, MN, where he has worked since 2014. He has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Daniel Hjort is a financial advisor with LPL Financial in St. Cloud, MN, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Fidelity Investments and Ameriprise. Hjort also operates Hjort Farms alongside his advisory work. 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 variety of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and diverse investment strategies.

Randall Zeilenga is a financial advisor at Edward Jones in St. Cloud, MN, holding a Series 66 designation with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors.

Keith Sowada is a Series 66-licensed financial advisor with 13 years of industry experience. He is currently with Cetera, where he has worked since 2019 across several affiliated entities, and previously worked at Thrivent Financial for Lutherans from 2013 to 2019. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Margo Scepaniak is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Woodbury Financial Services Inc and LPL Financial. She is also the owner of Black Financial Services, Inc., a corporation involved in both financial services and the sale of life and health insurance. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on diversified portfolio construction using firm-provided tools and access to third-party money managers.

Jennifer Thoennes is a financial advisor with RBC Capital Markets in St. Cloud, MN. She holds a Series 66 designation and has been with RBC Capital Markets since 2016, accumulating three years of industry experience. Her prior experience includes a brief period with Hossler Consulting Services / Appreciation Financial in 2016. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Marcus Rick is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. His work history includes roles at several Cetera entities since 2023, as well as positions in the insurance and transportation sectors. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, encompassing discretionary and non-discretionary services, and supports a network of over 10,000 advisors managing more than $256 billion in assets.

Victoria Dvorak is a financial advisor with Thrivent Investment Management based in Saint Cloud, MN. She holds a Series 66 designation and has one year of industry experience. Prior to joining Thrivent, Dvorak spent 15 years at Capital One. 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 planning that covers a broad range of topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

David Kaluza is a financial advisor at Cetera with 27 years of industry experience and holds a Series 66 designation. He has worked with multiple Cetera entities and affiliated firms since 2005, including Summit Brokerage Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and custodial relationships.

Tyler Walz is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 11 years of industry experience. He has worked with multiple firms including North Star Consultants, Minnesota Life Insurance, and Securian Financial Services. Walz also owns and manages two rental property LLCs in Sartell, MN. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with various program structures and custodial arrangements.

Tyra Olson is a financial advisor with UBS Financial Services in St. Cloud, MN, holding a Series 66 designation and three years of industry experience. She has been with UBS since 2019 and previously operated a self-employed advisory business from 2012 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and capital market assumptions to tailor client plans.

Janice Achmann is a financial advisor with Primerica Advisors in Avon, MN, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Primerica Advisors since 1988 and Primerica Financial Services since 1991. Outside of her advisory role, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses a wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Daniel Gallogly is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera and its affiliates since 2022, prior to which he was with Princor Financial Services Corporation and Principal Life Insurance Company for 13 years. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create custom strategies across various program structures and custodial relationships.

Luke Cardenas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. He has worked at Wells Fargo Clearing since 2018 and has been with Wells Fargo Bank, NA since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a wide range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michael Forsberg is a financial advisor with Ameriprise in St. Cloud, MN, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at LPL Financial, Securities America Advisors, and USAdvisors Wealth Management. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax analysis to deliver written recommendation reports. The firm operates a centralized consulting team alongside its advisors and offers a broad range of advisory, brokerage, and insurance solutions.

Chad Middendorf is a financial advisor at Cetera with over 21 years of industry experience. He holds a Series 66 designation and has worked at firms including Voya Financial Advisors and Wealthcare Financial Services. Outside of his advisory work, he owns and operates a tanning salon and serves on the board of a nonprofit organization in the Upper Midwest. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform that includes affiliated and third-party managers.

Scott Sobiech is a financial advisor with Cetera, holding a Series 63 designation and over 27 years of industry experience. He has worked with various Cetera entities since 1998 and has been with Cetera ADVISORS LLC since 2016. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Christina Van Slooten is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of her advisory role, she serves on the board of directors and audit committee for Terebinth Refuge, a faith-based nonprofit supporting survivors of sexual exploitation. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and a range of capital markets services through a network of financial advisors using proprietary research and model-based asset allocations.