Karen Myers is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2009. Based in St. Paul, MN, her career spans extensive service within a major global financial institution. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.

Christopher Kubitz is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Target Corporation, St. Paul Commodities, Prime Therapeutics, Lifetime Fitness, and Agri Trading. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a nationwide network of financial advisors supported by affiliated mutual funds, a trust company, and securities-based lending options.

Abbey D'aquila is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise Financial Services Inc. from 2015 to 2021 before joining Morgan Stanley in 2021. She has been with Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Jonathan Mouavangsou is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and four years of industry experience. He has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, and U.S. Bancorp Investments, Inc. prior to his current role. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary and discretionary investment management using multi-asset model portfolios, alternative investment options, and centralized operational support.

Katie Urbaniak is a financial advisor at Cetera with 21 years of industry experience. She holds a Series 66 designation and has worked at Cetera since 2023. Her prior experience includes roles at CRI Securities, LLC and Securian Financial Services, Inc. Outside of her advisory work, she has served as an assistant coach for the Edina High School girls' golf team. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform allowing advisors to implement various investment strategies with discretionary and non-discretionary options.

David Huffcutt is a financial advisor at OSAIC based in Oakdale, MN, with 28 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Woodbury Financial Services, Inc for 16 years before joining OSAIC. OSAIC Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization, supporting discretionary and third-party managed strategies.

Rosemary O'Brien is a financial advisor with Cetera holding a Series 66 designation and two years of industry experience. She has worked with various Cetera entities since 2023 and previously was with Tax & Financial Group for four years. Her background also includes roles with nonprofit organizations such as Parentis Foundation/AmeriCorps and the Boys & Girls Club of Capistrano Valley. 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 range of investment management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

James Biermaier Jr. is a financial advisor with Osaic Wealth, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His prior firms include Securities America Advisors, First Allied Advisory Services, and Wells Fargo Investments. Outside of his advisory work, he is involved in operating a coffee and wine bar alongside his wife and serves as president of a homeowners association at his vacation property. Osaic Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services through multiple programs including financial planning, managed portfolios, and retirement plan consulting. The firm utilizes a model-based investment process that incorporates asset allocation, portfolio optimization, and risk assessment tools, supported by a complex affiliate network and private-equity ownership.

Thomas Manderfeld is a financial advisor with Ameriprise in Prior Lake, MN, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009 and was previously associated with Jaros & Associates. Outside of his advisory role, he is involved with Royal Ideas LLC. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Dwayne Dean is a financial advisor at Charles Schwab with 24 years of industry experience. He holds a Series 66 designation and has worked at firms including TDAmeritrade, Wells Fargo Clearing, and Wells Fargo Investments. Outside of his advisory role, he volunteers as a corporate account signer for the nonprofit Chanarambie Christian Camps. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services. The firm’s multi-asset model portfolios and centralized operations support a large client base across various wrap programs.

Claire Lentsch is a financial advisor with Morgan Stanley in St. Paul, MN, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Ameriprise Financial, Teachers on Call, Intertech, and Ecolab, as well as work at the University of Minnesota and Farmington High School. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm’s planning process incorporates structured discovery conversations and approved planning tools, supporting clients with advisory services but generally excluding ERISA fiduciary responsibilities unless separately engaged.

Steven Gehrke is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Ameriprise in Farmington, MN. He has worked at Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the board of directors for the Theta Chi Housing Corporation. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Matthew Hourigan is a financial advisor at UBS Financial Services with 11 years of industry experience and a Series 66 designation. He has been with UBS since 2014. Outside of his advisory role, he serves as head boys lacrosse coach at Cretin-Derham Hall High School and is a member of the board of directors for the charity Mile in My Shoes, which promotes community-building and wellness through running. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Donald Rosen is a CFP® with 52 years of industry experience. He has been with LPL Financial since 2021 and previously worked at Waddell & Reed, Inc. and various insurance carriers for over four decades. Rosen is also associated with Bear Hollow LLC, a business entity established for tax or investment purposes. 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 comprehensive advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Corinne Klitzke is a financial advisor with UBS Financial Services in St. Paul, MN, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Fidelity Investments, Edward Jones, the City of Southlake, and Tiffany and Co. Outside of her advisory work, she coaches youth volleyball, including serving as an assistant coach for a junior varsity team. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Kyle Christensen is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at Fastenal, 3M, and Fenix Pest Control. Kyle is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary fundamental research and quantitative analysis to construct model portfolios, employing systematic methodologies and long-term asset allocation benchmarks.

Michael Skillrud is a financial advisor at Thrivent Investment Management with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Thrivent and its affiliate Thrivent Investment Management since 2014. Outside of his advisory role, he serves as a director on the board of the National Association of Fraternal Insurance Counselors and is an at-large board member of a condominium association in West St. Paul, MN. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across a broad range of financial topics and offers a consolidated billing option that combines planning with managed accounts, while maintaining separation between these services.

Denice Riley is a financial advisor with LPL Financial in Oakdale, MN, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2014 to 2019. Denice is also a licensed notary in Oakdale. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Joseph Donohue is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds the Series 63 and Series 66 credentials. Prior to his current role, he was involved with Donohue Appraisal and spent several years as a stay-at-home parent. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through its network of Financial Advisors. The firm offers holistic, goal-based planning covering topics such as retirement, income tax, and estate planning, with clients able to combine planning and managed-account services under a consolidated billing option.

Michelle Prosper is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. Prior to joining LPL Financial in 2022, she worked at CUNA Brokerage Services, Inc. for 14 years and has been affiliated with Affinity Plus Federal Credit Union since 2003. 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, and institutional platforms, supported by a large network of investment adviser representatives.