Pamala Cross is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 63 designation and has been with Ameriprise and its affiliate since 2007. Outside of her advisory role, she works as a cashier at a retail store in Coon Rapids, MN. Ameriprise is a large institutional firm that provides retirement-income planning services primarily for individuals with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Peter F. Jackson is a financial advisor with UBS Financial Services in Saint Paul, MN, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS Financial Services since 1991. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, combining institutional trading capabilities with wealth management services.

Ann Rislove is a Series 66 licensed financial advisor with Edward Jones, based in Woodbury, MN. She has seven years of industry experience, all with Edward Jones since 2012. 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 and investment solutions under a fiduciary standard.

Terry Fisher is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various Fidelity entities since 2006. Outside of his advisory role, he is a partner in a duplex rental property in Saint Paul, Minnesota. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Rebecca Benvie is a financial advisor at Cetera with one year of industry experience. She holds the Series 66 designation and has previously worked with North Star Resource Group and Cetera Advisor Networks LLC. Outside of her advisory duties, she serves as Practice Coordinator at North Star Resource Group, supporting securities, insurance, and advisory business operations. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Scott Stroeing is a financial advisor with LPL Financial in Minneapolis, MN, holding a Series 66 designation and five years of industry experience. He previously worked at Gervais Wealth Management and has been involved with the Washburn Center for Children as a mental health case manager. 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 advanced operational and research tools.

Ryan Marr is a financial advisor with Cetera, holding a Series 66 credential and 17 years of industry experience. He has worked at Cetera since 2013 and is also the owner of two restaurant and bar businesses. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

Owen Peterson is a Financial Advisor with Merrill Lynch Wealth Management in the Saint Paul area. He specializes in liquidity management, personal retirement planning, and retirement income. Owen takes a planning-driven approach, working closely with clients to understand their priorities and translating complex financial concepts into clear guidance to support informed decision-making. Owen began his career with Bank of America in banking and later joined Merrill Edge before becoming a Financial Advisor with The Zawacki-Krebsbach-Droddy Group. This experience provides him with a comprehensive understanding of the full Bank of America and Merrill relationship, which he applies in his work. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. Owen earned his bachelor's degree from the University of Minnesota Morris, where he double majored in Economics and Financial Management with a minor in Spanish. He was a member of the Spanish honor society. A native of Inver Grove Heights, Owen lives in South Saint Paul with his wife, Rachel, and their Golden Retriever, Freddy. His personal interests include fishing, football, golfing, hunting, skiing, and spending time with his family.

Richard Gwizdala is a financial advisor at Cetera with 36 years of industry experience. He holds a Series 63 designation and has a background that includes over three decades at Avantax Advisory Services and Avantax Investment Services, as well as ongoing work in tax preparation and accounting through his own firms. He also serves as treasurer for a homeowners' association. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a network of independent advisors, employing a multi-manager platform with a variety of investment program options.

Jennifer Dorniden is a financial advisor at Cetera with 24 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Securian Financial Services, Inc. and the Minnesota Life Insurance Company. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering diverse portfolio management and consulting services across multiple program structures and custodial relationships.

John Reamer is a CFP®-certified financial advisor with Ameriprise, based in Edina, MN, and has 38 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he co-owns and manages advisory business offices that house multiple advisor practices. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional providers.

Michael Schmidt is a Series 66-licensed financial advisor with Edward Jones in New Brighton, MN, where he has worked since 2022. He has two years of industry experience, previously working at Cantel Medical and US Bank. Outside of his advisory role, Schmidt is involved in choral activities, serving as a bass section leader at Hennepin Avenue United Methodist Church and as an ensemble singer with VocalEssence. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory programs and strategies. The firm manages over $1 trillion in assets and supports its clients through a large network of financial advisors and branch offices across the United States.

Robert Bryan is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds the Series 66 designation and has prior work history including roles at Sullivan Cotter and Clinician Nexus. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various planning areas without implementation or discretionary trading authority.

Scott Rains is a financial advisor at LPL Financial with Series 63 and Series 65 credentials. He has professional experience spanning roles at AT&T and BMO Harris Bank prior to joining LPL Financial. 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, third-party asset management, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Daniel Babbitt is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Anders Sandberg is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Robert Baird & Co. since 2022. He previously worked at Ameriprise Financial Services Inc. for five years. Outside of his advisory role, Sandberg owns a small construction business and serves as an investment committee member for the Chanhassen Lions Club Foundation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which offers financial planning, portfolio management, and custody services to individuals, corporate clients, pension plans, and charitable organizations. The firm utilizes a combination of manager-traded and model-traded strategies, along with tax-management and direct-indexing capabilities, supported by internal research and ongoing manager monitoring.

Kurt Kern is a financial advisor with Ameriprise in Hudson, Wisconsin, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Kern serves on the Board of Directors for the Boys and Girls Club of Greater Chippewa Valley. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, asset allocation, and tax-aware withdrawal strategies.

Michael Creazzo is a financial advisor with Ameriprise in Woodbury, MN, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at The Huntington Investment Company, LPL Financial LLC, BMO Harris Bank, and Wells Fargo. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides tailored retirement planning advice through a written Recommendation Report and annual updates. The firm’s approach emphasizes dependable income sources and tax-aware withdrawal strategies within an investment framework influenced by its affiliated product ecosystem.

Heather Winfield is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Michael Schumacher is a financial advisor at Ameriprise with eight years of industry experience. He has worked at Ameriprise since 2018 and previously spent five years at Medtronic. Schumacher serves on the Board of Directors for the Minneapolis School of Anesthesia. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides detailed retirement income planning through a centralized team working with advisors using proprietary research and tools.