Michael Trnka is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Focus Financial, Royal Alliance, and Invest Financial Corporation. He is also involved with Trnka Financial LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, including model portfolio programs and participant-level retirement advice, supported by extensive technology and a broad network of over 22,800 advisors.

Veronica Villeneuve is a Series 66-licensed financial advisor with UBS Financial Services in St. Cloud, MN. She has nine years of industry experience, including a prior role at Delaware Data Solutions. Since 2017, she has been with UBS Financial Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and capital markets expertise.

James Kramer III is a CFP® professional with 24 years of industry experience. He has been with LPL Financial since 2010 and operates his advisory business, Kramer Financial, in St. Cloud, MN. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisers with various investment strategies and operational tools.

Carol Gruba is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds the Series 66 designation and has worked at UBS since 2019, having previously spent 22 years with the Proviant Group. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management through its proprietary research and a broad platform of capital markets services.

Brian Anderson is a financial advisor at Cetera with 26 years of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliated entities since 2014, as well as at Reliastar and VOYA Financial Advisors. Anderson is also the owner of Anderson Financial, an independent insurance agency. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Connor Comstock is a financial advisor at Cetera with one year of industry experience. He holds Series 63 and Series 65 registrations and has previously worked at American National Bank of MN and Cash Wise Foods. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by over 10,000 advisors and more than $256 billion in assets under management.

Maria Voigt is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, she spent over two decades working with Daniel Funeral Home and Cremation Services, LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products, supported by proprietary research and analytics.

Elizabeth Walek is a financial advisor at Edward Jones with six years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2015. Outside of her advisory role, she serves as a board representative for Sports Arena East in Sauk Rapids, MN, attending monthly board meetings and overseeing facility decisions. 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 and offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services.

Ryan Schmidt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Northwestern Mutual and Wells Fargo, spanning wealth management, insurance, and clearing services. Outside of financial services, he is an Indoor Drumline Director, coaching an independent winter drumline in Minnesota. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, employer-sponsored retirement plans, and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and operates as a broker-dealer with affiliated insurance and trust services.

Jamie Christensen is a Series 66 licensed financial advisor with Edward Jones in Waite Park, MN, where he has worked since 2009. He has 17 years of industry experience. Outside of his advisory role, he is involved in real estate as a partner and owner of rental properties in the St. Cloud area. 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 and offers a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Beau Hanowski is a Series 66-registered financial advisor at Edward Jones in St. Joseph, MN, with 11 years of industry experience. He has been with Edward Jones since 2014. 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 through a nationwide network of over 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

James Sobania is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2003. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional clients. The firm employs a model-driven investment approach and offers access to third-party asset managers and a variety of financial planning and consulting services.

Michelle Herickhoff is a CFP® professional with 12 years of industry experience, currently affiliated with OSAIC since 2024. She has previously worked at Woodbury Financial Services, Cetera Advisor Networks, CWM, LLC, and Voya Financial Advisors. Outside of her advisory role, she is a co-owner and secretary of Central MN Seeds, LLC, and serves as a board member for North Fork Mutual Fire Insurance Company. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of financial advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a variety of portfolio construction tools and access to third-party managers.

Mary Olson is a financial advisor at UBS Financial Services with 26 years of industry experience. She has worked at UBS since 2006 and has been with Piper Jaffray & Co since 2004. Olson holds a Series 63 designation and is based in St. Cloud, MN. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies.

Adam Tate is a financial advisor with Equitable Advisors based in Saint Joseph, MN. He holds a Series 66 designation and has 24 years of industry experience. Tate has been with Equitable Advisors and its predecessor Axa Advisors since 2001. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm uses a range of third-party advisory models and offers ERISA fiduciary services through credentialed representatives.

Dale Schoenberg is a financial advisor with LPL Financial in St. Cloud, MN, holding a Series 63 designation and 32 years of industry experience. He has been with LPL Financial since 2001. Schoenberg also serves as a notary in addition to his advisory work. 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 financial planning and asset management services supported by a large network of advisors and advanced operational tools.

Robert Stoltman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services, and he has owned Stoltman Insurance & Investments since 1987. Outside of advisory, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base ranging from individual investors to institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Elijah Ebel is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he held various roles including employment at Amazon and involvement with the Rocky River Officials Association, where he enforces baseball rules. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research and modeling techniques to provide tailored, non-discretionary recommendations through a centralized consulting team.

Benjamin Barrett is a Series 66 licensed financial advisor with 11 years of industry experience. He has worked at Edward Jones since 2019 and previously held positions with PRUCO Securities, LLC and The Prudential Insurance Company of America from 2016 to 2019. Barrett is based in Cold Spring, MN. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Curtis Brown is a financial advisor at Edward Jones in St. Cloud, MN, holding a Series 66 designation with seven years of industry experience. He worked at Marco Technologies for seven years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.