Doreen Douvier is a financial advisor with Primerica Advisors in Waite Park, MN, holding Series 65 and Series 63 licenses and possessing 24 years of industry experience. Her prior work includes roles at Medtronic, Real Staffing, and Reprise Biomedical. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Nyles Gentz is a financial advisor with OSAIC, holding a Series 63 designation and bringing 30 years of industry experience. He has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, and Questar Capital Corp. Gentz is also the co-author of a book titled *Sowing the Seeds of Retirement*, with proceeds benefiting the Wounded Warrior Project. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and advisory platforms, offering integrated brokerage and investment advisory services along with access to multiple third-party money managers and managed-account solutions.

Jaclyn Gwost is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, as well as corporate and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment options under a fiduciary standard.

Alex Scepaniak is a financial advisor at Osaic Wealth Inc. with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Primerica Advisors and Primerica Financial Services. Outside of advisory work, he is involved in the sale of home security and automation products and loan referral services through affiliated companies. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of financial services delivered through a large network of affiliated advisors and utilizes a variety of asset allocation tools, third-party managers, and automated portfolio management solutions.

Darin Amundson is a financial advisor with UBS Financial Services in St. Cloud, MN, holding Series 63 and Series 66 registrations and bringing 22 years of industry experience. He has been with UBS since 2006 and serves concurrently in the U.S. Army Reserve as a Staff Sergeant with responsibilities in water distribution. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering access to proprietary research, market-making activities, and affiliated banking programs.

Kevin Bright is a financial advisor at OSAIC with nine years of industry experience. He has held positions at Woodbury Financial Services and Allianz Life, and owns Bright Financial Services LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations. The firm offers integrated brokerage and advisory services with access to multiple investment platforms and third-party managers.

Rachael Egge is a financial advisor with UBS Financial Services in St. Cloud, MN, holding a Series 66 license and six years of industry experience. She previously worked at Kensington Bank and spent five years at Peters Body Shop before joining UBS in 2017. Outside of finance, she owns and operates a dog grooming business and works as a sous chef at a hotel and conference center. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans based on clients’ goals and risk tolerances.

Erik Hanson is a financial advisor at Thrivent Investment Management with 15 years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written recommendations on a variety of financial topics without managing client portfolios on a discretionary basis. The firm combines holistic, goal-based planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Joshua Hall is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. He has served in the Navy since 2010 and has been with Primerica Advisors and Primerica Financial Services since 2021. Outside of advisory roles, Hall is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Sue Swanson is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and having four years of industry experience. Prior to joining Ameriprise in 2021, she worked for Marco Technologies, LLC for ten years. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, delivered through a centralized consulting team in partnership with client advisors.

David Jacobs is a financial advisor with Cetera, holding CFP® and Series 63 designations and bringing 23 years of industry experience. He has worked at firms including Securian Financial Services and Minnesota Life Insurance Company, and currently operates David M. Jacobs & Associates, Inc. Outside of his advisory role, Jacobs is involved in financial services through North Star Resource Group and owns JF Legacy Properties LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate entities, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with access to various program structures and third-party money managers.

Paul Tomczik is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010. 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 under management and offers a variety of advisory strategies and affiliated investment products through a nationwide network of financial advisors and branch offices.

Bryant Hanna is a financial advisor with Thrivent Investment Management in Saint Cloud, MN. He holds a Series 66 designation and has been with Thrivent since 2025. Prior to joining the firm, he worked at various organizations including St Cloud State University and Lies Law Office. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed account services under a consolidated billing option called WealthPlan.

Terry Hjort is a financial advisor at LPL Financial with 26 years of industry experience and holds Series 63 and Series 65 credentials. He has been with LPL Financial since 2004. Outside of advisory activities, he owns farmland used for hunting and crop production. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Jon Douvier is a financial advisor with LPL Financial in St. Cloud, MN, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior work includes roles at Bremer Bank, Raymond James Financial Services, and Northwestern Mutual. He serves as a board member of the Cold Spring Fire Department Relief Association and is involved with the City of Cold Spring. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, and institutions.

Patrick Goltz is a financial advisor at LPL Financial with 20 years of industry experience. He has held his current position since 2010 and previously worked at Edward Jones from 2008 to 2010. He holds Series 63 and Series 66 licenses and is based in Avon, Minnesota. Outside of his advisory role, Goltz is involved with Atlas Staffing in the Minneapolis/St. Paul area on a part-time basis. 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 portfolios, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of strategies.

Kenneth Olson is a financial advisor with LPL Financial in Sartell, MN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously operated Kenneth H.T. Olson Ltd for 43 years before joining LPL Financial in 2015. Outside of his advisory role, Olson serves as chief manager of Pine Point Aviation, an entity that holds his personal airplane. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial products and partnerships.

Clint Athmann is a financial advisor at Cetera with 21 years of industry experience and holds a Series 66 credential. His prior work includes roles at Voya Financial Advisors and The Managed Assets Group. Outside of his advisory work, he is a part owner of a land investment involving property maintenance, farming, and recreational use. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple program structures through a multi-manager platform that includes affiliated and third-party managers.

Deborah Clausen is a financial advisor at Thrivent Investment Management with 13 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its related entities since 2012. Outside of her advisory role, Clausen serves as a board member for Big Brothers Big Sisters of Central Minnesota and the Women's Fund Advisory Board, and she has volunteered as a minor official for St. Cloud State University hockey since 1998. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors, offering goal-based, holistic planning without discretionary trading authority and the option to combine planning with managed-account programs under a consolidated billing system called “WealthPlan.”

Winifred Anderson is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining Cetera, she worked in education for ten years with ISD 47. She serves as a volunteer board member for the Minnesota Military and Veterans Museum, assisting with educational outreach. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutions through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.