John Dahlberg is a financial advisor with Cetera, holding the ChFC® and Series 66 designations and bringing 14 years of industry experience. His prior roles include positions at CRI Securities, Securian Financial Services, and Minnesota Life Insurance Company. Outside of financial advising, he works as an independent contractor realtor. Cetera Investment Advisers LLC serves a broad range of clients including individual investors, retirement plans, corporate and charitable entities, and institutional accounts through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, utilizing a multi-manager platform that provides access to affiliated and third-party managers across various program structures.

Courtney Wasowicz is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. Her prior experience includes roles at Securian Financial Services Inc and Minnesota Life Insurance Co. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, 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 affiliated and third-party investment managers.

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.

Tiernan Patrick Talbot is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he worked at Goldman Sachs and Endeavr Wealth Management. Outside of his advisory role, Talbot is involved in an online men’s clothing business and owns Reliable RAM, a home-based business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes offerings involving derivatives and commodities capabilities.

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.

Holden Zinda is a financial advisor with Ameriprise in Lake Elmo, MN, holding a Series 66 credential. He has one year of experience in the industry and previously worked in various roles outside financial services, including positions at U.S. Medical Supplies, Liberty University, Walmart, and other organizations. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

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.

Emma O'Brien is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Her work history includes multiple roles both within and outside the financial sector, such as positions at Dick's Fresh Market, Walmart, and Park Tool. 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 nationwide network of financial advisors and branch offices.

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.

Bjorn Miller is a CFP®-certified financial advisor with 13 years of industry experience, currently with LPL Financial since 2013. He also has a longstanding role at Northwestern College beginning in 2010. Outside of his advisory work, Miller is a law service representative for North Oaks Legal Services, Inc. and operates a home-based business selling weekly planners on Amazon and eBay. 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 financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advanced advisor tools and a broad non-advisory financial services network.

Brennen Hill is a financial advisor with Ameriprise in White Bear Lake, MN, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to his current role, he worked at Mainsail Medical. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written retirement planning reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Katherine Flood is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Her prior roles include four years at Ameriprise and various positions in education and family employment. She is also involved with Royal Ideas LLC, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies and operational tools.

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.