Ryan Schmidt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior roles include positions at Northwestern Mutual and Wells Fargo, spanning wealth management, investment services, and banking. Outside of his advisory work, Schmidt coaches an independent indoor drumline as a director. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Peter Alexander is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers and provides discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Sydney Hendricks is a Series 66-licensed financial advisor with Ameriprise in Saint Cloud, MN, with one year of industry experience. Hendricks has been with Ameriprise since 2018 and previously worked at Crafts Direct and District 742. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports in partnership with clients’ financial advisors.

Michael Irwin is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. He has been with Cetera Investment Services LLC since 2014. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform with discretionary and non-discretionary options.

Jacob Krippner is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and six years of industry experience. He has worked at RBC Capital Markets since 2018 and previously at CliftonLarsonAllen. Outside of his advisory role, Krippner serves as a committee member for the Ellison Center, providing input on financial statements and reporting, and has recently joined the Board of Directors for Big Brothers Big Sisters of Central Minnesota. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a blend of in-house and third-party managers, supported by RBC’s capital markets capabilities and affiliated asset managers.

Devon Ramstad is a financial advisor at Ameriprise in St. Cloud, MN, holding a Series 66 designation with two years of industry experience. Prior to Ameriprise, Devon worked in various roles including positions at Rhombus Guys, Pizza Hut, and Concordia College. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing 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 retirement advice, primarily for clients with assets managed within Ameriprise accounts.

Allen Jenson is a financial advisor with Osaic Wealth, Inc., holding a Series 63 designation and 29 years of industry experience. Prior to joining Osaic in 2023, he worked at Sagepoint Financial, Inc. for 14 years and has been with AIG American General Life Insurance Company since 2002. He is also president of Navigator Financial Inc., a corporation primarily handling payroll and business meetings. Osaic Wealth serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to third-party money managers and managed accounts.

Mason Pullis is a financial advisor with Primerica Advisors in Sauk Rapids, MN, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at 3M, Force America, and Alexandria. He is involved in sales of investment-related and home-related products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies managed by third-party asset managers.

Matthew Siers is a financial professional with Cetera, holding a Series 66 credential and four years of industry experience. His work history includes roles at North Star Resource Group and Jacobs Financial, as well as prior positions with Minnesota Life Insurance Company and Securian Financial Services. He serves as a board member of the Sartell Chamber of Commerce, where he helps organize and operate events and meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services through a multi-manager platform that includes affiliated and third-party model portfolios, discretionary and non-discretionary program options, and various custodial relationships.

Jody Plautz is a financial advisor at Thrivent Investment Management in Saint Cloud, MN, with five years of industry experience. She holds the Series 66 designation and previously worked at Columbia Gear Corporation for 14 years. Outside of her advisory role, Plautz serves as the president and a board member of You're Not Alone, a nonprofit that uses therapy dog teams to address mental health stigma in schools. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary portfolio management.

Sydney Partch is a financial advisor at RBC Capital Markets with six years of industry experience. Prior to joining RBC in 2020, Sydney worked at Sherburne State Bank and Edward Jones and held roles outside finance, including at Red Bull North America and Boondox Bar and Grill. Sydney is also involved with the St Cloud Figure Skating Club, assisting with a learn-to-skate program. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to client risk profiles.

Shannah Mollet Kreller is a financial advisor with Cetera in St. Cloud, MN, holding Series 63 and Series 65 licenses and with 15 years of industry experience. She has been affiliated with various Cetera entities since 2011. Outside her advisory role, she owns Stop Light Bait and Guns and volunteers as a Sunday school teacher at Redeemer Lutheran Church, as well as assisting at the Sauk Rapids Sportsmans Club. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management.

Andrew Winter is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked at various Cetera entities since 2017. Prior to his advisory career, he was employed by Best Buy from 2015 to 2017. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform with extensive program options and a nationwide network of over 10,000 advisors.

Carmen Bohlke is a financial advisor at Cetera with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple Cetera entities and First Allied Securities since 2012. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, employing a multi-manager platform with access to both affiliated and third-party managers.

Jameson Barrett is a financial advisor with Osaic Wealth, Inc. based in Saint Cloud, MN, holding a Series 66 designation and two years of industry experience. He has worked with several firms including Ameriprise and Securities America Advisors. Outside of finance, Barrett serves as a baseball umpire for high school, college, and amateur teams in the Saint Cloud area. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios, managing accounts on both discretionary and non-discretionary bases.

Brett Carow is a financial advisor at Fidelity with eight years of industry experience and holds a Series 66 designation. His prior roles include positions at Alight Financial Solutions, MassMutual, and BASF. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and delivers model portfolios to intermediary platforms.

Halycon Washnieski is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Investment Centers of America, Inc. and Frandsen Bank & Trust, where he has been employed for over 20 years. Washnieski also serves as a non-variable insurance agent with Frandsen Investment Services. 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 broad range of advisory and brokerage services, with investment strategies that include model portfolios, third-party subadvisors, and customized approaches.

Steven Theisen is a financial advisor with Ameriprise in St. Cloud, MN, holding a Series 63 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he owns Steve's Personal Tax Service and serves on the board of Pineview Park BMX, where he also volunteers as a BMX team manager and treasurer. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Janal Kruzel is a financial advisor at Cetera with 10 years of industry experience and holds a Series 66 designation. She has been associated with various Cetera entities since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform providing diverse investment options and program structures.

Christopher Reinholz is a financial advisor with Cetera, holding a Series 63 designation and bringing 37 years of industry experience. He has been associated with various entities within the Cetera network since 1988 and has also worked at several other firms including Summit Brokerage Services and First Allied Securities. Based in St Cloud, MN, Reinholz’s career spans multiple roles within Cetera-affiliated firms over more than three decades. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform allowing for model portfolios, third-party managers, and custom strategies, overseeing more than $256 billion in assets under management.