Teresa Hernandez is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at KMTSJ, Inc and Northwestern Mutual, as well as spending ten years at Sacred Heart Hospital. She is also involved as a contractor with Integrity Audit & Tax, LLC, focusing on audit testing and potential tax preparation. Edward Jones is a full-service wealth management firm serving both individual and institutional clients through a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Yu Jiang is a financial advisor at Morgan Stanley with eight years of industry experience. His prior roles include positions at Raymond James & Associates, Wells Fargo Clearing Services, and Morgan Kenwood Advisors. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools combined with firm-approved methodologies in its planning process.

Douglas Bruce is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 1986 and holds Series 63 and Series 65 designations. Outside of his advisory role, he serves on the investment committee for the Northern Star Council, an educational organization. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining proprietary capital market research with a range of portfolio management and wealth management offerings. The firm integrates institutional trading capabilities with comprehensive financial planning and investment solutions.

Ryan Willaert is a financial advisor with Ameriprise in Woodbury, MN, holding CFP® and Series 66 designations and totaling 25 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm's approach integrates internal research, third-party data, and algorithmic tools to address asset allocation and withdrawal strategies within a defined investment universe.

Bradley Kahley is a financial advisor at Cetera with 36 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services, LLC. He holds the Series 63 designation. Outside of his advisory work, he owns Bridge Investment Group, a financial and insurance services business. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to various program structures and third-party managers.

Brian Domagalski is a financial advisor with Primerica Advisors in White Bear Lake, MN, holding a Series 63 designation and 22 years of industry experience. He has been with Primerica Advisors since 2003 and also works with the City of Savage. In addition to his advisory role, he sells loan products, home security and automation products, and other home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Daniel Perry is a financial advisor at Edward Jones with Series 66 credentials and eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Cintas Corporation from 2003 to 2017. 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 advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Sean Kirk is a financial advisor with Primerica Advisors in Woodbury, MN, holding Series 63 and Series 65 licenses and 11 years of industry experience. His work history includes roles at Amazon and various other companies. Outside of financial advising, he works part-time as a personal shopper and delivery driver for local service providers. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients, utilizing model-driven investment strategies created by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, overseeing approximately $15.5 billion in assets under management.

Thomas Riester is a financial advisor with Cetera, holding a Series 63 designation and over 40 years of industry experience. His career includes roles at OnTrac Financial since 1990 and Cetera Wealth Services, LLC since 2013. In addition to his advisory work, he owns and operates a fixed insurance business covering life, health, disability, annuities, long-term care, and property and casualty insurance. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Michael Haas is a financial advisor with LPL Financial, holding a Series 63 designation and 26 years of industry experience. He previously worked at Sii Investments for four years before joining LPL Financial in 2018. Haas also owns an entity used for tax and investment purposes unrelated to his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research.

Joan Lessner is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. Her career includes 16 years at Minnesota Life Insurance Company and 13 years at Securian Financial Services, Inc., prior to joining Cetera. Outside of her advisory work, she owns two Etsy shops, A Fabric Habit, which sells quilted items, and Beautiful Day Scarves, which produces head scarves for cancer patients. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary accounts.

Nico Sacchetti is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at RBC Capital Markets since 2016 and previously at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and using a mix of in-house and third-party investment managers.

Thomas Clement is a financial advisor with Primerica Advisors in White Bear Lake, MN, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has worked with Primerica Financial Services since 2003 and PFS Investments, Inc. since 2004. His outside activities include part-time sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and select separately managed accounts for individual and high-net-worth clients, operating primarily as a wrap-fee solution rather than serving institutional pension or profit-sharing plans.

Mark Paolucci is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior roles include positions at JP Morgan Chase Bank, N.A., J.P. Morgan Securities, and Schwab Private Client Investment Advisory, Inc. He is based in Woodbury, MN. Charles Schwab & Co., Inc. serves a large client base focused primarily on high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside a structured alternative-investment offering.

Clayton Harrison is a financial advisor with Ameriprise in Saint Paul, MN, holding Series 63 and Series 65 licenses and having 16 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is a co-owner of Harrison Cycle LLC, a bicycle rental business. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through its institutional platform.

Aaron Titze is a CFP® with 29 years of industry experience, currently affiliated with OSAIC since 2024. He has spent much of his career at Fortis Investors, Inc. since 1997. Outside of his advisory work, he is a co-owner of GT Financial Advisors, LLC, which provides fixed annuities and life insurance. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include a variety of investment types.

William Kohn is a financial advisor with RBC Capital Markets and holds Series 63 and Series 66 licenses. He has 25 years of industry experience and has worked with RBC Capital Markets since 2008 and City National Bank since 2019. Kohn serves on the board of the Stillwater Area Foundation and is an assistant hockey coach for the Stillwater Bantam AA Team. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers multiple advisory programs with tailored investment strategies utilizing both in-house and third-party managers.

Jessica Douglass is a financial advisor with Merrill in Saint Paul, MN, holding Series 63 and Series 65 licenses and having six years of industry experience. She has worked at Merrill Lynch since 2021 and previously worked at U.S. Bancorp Investments and U.S. Bank. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s corporate platform.

Daniel Timmerman is a CFP®-credentialed financial advisor with Edward Jones in Hudson, WI, where he has worked since 2015. He has 10 years of industry experience. Outside of his advisory role, he holds a non-voting ownership share in the Hudson Food Co-op, a local grocery cooperative. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and is distinguished by its extensive network of advisors and branch offices, as well as affiliated trust and lending services.

Travis Jacobs is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, where he focuses on helping clients build comprehensive retirement plans. Travis's expertise includes income planning, tax-efficient investing, healthcare, equity compensation considerations, and estate planning considerations. Prior to joining Fidelity, he worked as a Financial Advisor at Transamerica Investor Securities Corporation from 2014 to 2015 and at Transamerica Financial Advisors, Inc from 2009 to 2013.