Patrick Mastin is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been associated with Cetera and its related entities since 2013. Outside of his advisory role, he serves as president of Bennett, Mastin, Kosmack, Inc., a financial services firm, and is involved in selling fixed life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that serves 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 discretionary and non-discretionary investment programs supported by a nationwide network of over 10,000 advisors.

Kyle Neumann is a financial advisor at Ameriprise with 13 years of industry experience. He has held roles at Ameriprise and Ameriprise Financial Services, Inc. since 2012. Neumann holds a Series 63 designation and is based in Lino Lakes, MN. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm’s approach includes written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies, supported by centralized consulting and algorithmic tools.

Kristina Elfering is a financial advisor with Ameriprise, holding a Series 66 designation and 15 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010 and owns Elfering & Associates, a civil engineering business. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Scott Summerbell is a financial advisor with Edward Jones in Ham Lake, MN, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been 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 with a network of around 23,701 advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

David Boniface is a financial advisor at LPL Financial with credentials including Series 63 and Series 65 and 37 years of industry experience. He has been with LPL Financial since 2001 and is also associated with Magnetic North Advisors and Legacy Capital. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management with support from internal and third-party research.

Anthony Zajac is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 designation and has been with Edward Jones since 2005. The firm serves more than four million individual and institutional clients, offering a range of wealth management services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. Edward Jones manages approximately $1.01 trillion in assets under management and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Nicholas Carlson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His prior roles include positions at Ronald Blue Trust and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Edward Gwiazdon is a CFP® and Series 66-registered financial advisor with Ameriprise in Lake Elmo, MN, with 23 years of industry experience. He has been with Ameriprise and its affiliate firms since 2002. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise-managed accounts.

Susan Franklin is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory work, she is involved in community activities, serving on a committee for the Northwest YMCA and acting as Treasurer for the Suburban Corvettes of Minnesota social club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides a range of portfolio management, financial planning, and brokerage services.

Maclay Swanson is a CFP®-designated financial advisor with 27 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 1999 to 2020. He is also involved in music publishing and works as an artist outside of his advisory role. Ameriprise offers a retirement-income planning service primarily for individuals with at least $1 million in net investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Darin Stevens is a financial advisor at Thrivent Investment Management with eight years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Wells Fargo Bank. Before entering financial services, he spent two years working as a farmer. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account services through a consolidated billing option called WealthPlan.

Shawn Murray is a financial advisor with Ameriprise in Lino Lakes, MN, holding a Series 63 designation and 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995. Outside of his advisory role, he participates in his local church as a money counter and assists with informal budget reviews. Ameriprise is a large institutional firm offering retirement-income planning services and a broad range of advisory, brokerage, and insurance solutions. Its retirement-income service uses research-driven, tax-efficient strategies and algorithmic tools to provide clients with tailored, written recommendations.

Glenn Mc Mahon is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 credentials and seven years of industry experience. He has previously worked with firms including Charles Schwab and Brighton Jones. Outside of his advisory role, he is a private investor in health and roadside service startups. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael Kauls is a financial advisor with Thrivent Investment Management in North Oaks, MN, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based analyses and planning across a broad range of topics. The firm offers these services either on a one-time or ongoing basis while keeping planning and managed-account services separate.

Jonathan Ehresmann is a financial advisor with Ameriprise in Stillwater, MN, holding a Series 66 credential and bringing 10 years of industry experience. Before joining Ameriprise in 2024, he worked at Thrivent Financial and Thrivent Investment Management from 2015 through 2024. Outside of his advisory role, Ehresmann performs live music with two bands and provides private guitar lessons. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Daniel De St. Aubin is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2013. Outside of his advisory role, he is involved in coaching youth athletes with the St. Croix Soccer Club. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides its services through structured planning processes supported by firm-approved tools and investment modeling.

Jason Dekeuster is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with MassMutual Life Insurance Company and MML Investors Services since 2006. Outside of his advisory role, he is involved in business coaching through a consulting firm he co-owns and participates in a business consulting study group. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Timothy Hennen is a financial advisor with LPL Financial, holding a Series 66 credential and four years of industry experience. Before joining LPL Financial in 2021, he worked in various roles at nVent, Open Access International Technology, and Border States Electric. Outside his advisory duties, he operates a website sales business called Champion E-Comm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Anthony Bumgarner is a financial advisor with LPL Financial in Fridley, MN, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Prior to joining LPL Financial in 2022, he worked for 15 years at CUNA Brokerage Services Inc. and Cuna Mutual Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Nicholas Valento is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has held prior roles at Osaic Wealth, Gradient Securities, and in educational settings. Outside of his advisory work, he serves as a personal care assistant. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.