Heather Malyuk is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021, with prior roles at Waddell & Reed Inc and various insurance carriers. Outside of advising, she serves as a behavior specialist providing adult care for individuals with mental illness or traumatic brain injuries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and technology-driven investment strategies.

Lauren Farden is a CFP® professional with five years of industry experience, currently advising clients at Edward Jones in Duluth, MN. Her prior work includes roles at Northwood Children's Services and Duluth Schools District, as well as experience in data solutions and environmental education. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment strategies through a large network of financial advisors and branch offices nationwide.

Kristi Palmer is a financial advisor with Merrill in Duluth, MN, holding Series 63 and Series 65 licenses and 40 years of industry experience. She has worked at Merrill since 2017 and previously spent four years with U.S. Bancorp Investments, Inc. Outside of her advisory role, she is a co-owner of a family real estate venture. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Peter Emerson is a financial advisor with Merrill in Duluth, MN, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has worked at Merrill since 1985 and at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as president of a farm and hunting preserve in South Dakota. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Quinton Homstad is a financial advisor with Raymond James & Associates in Duluth, MN. He holds a Series 66 designation and has been with Raymond James since 2026. Prior to his current role, Homstad worked at Frandsen Bank & Trust for four years and has experience in various positions outside the financial industry, including roles at Menards and FedEx. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research resources.

Christine Hogquist is a financial advisor at Thrivent Investment Management in Duluth, MN, holding a Series 66 credential. She has one year of industry experience, including previous roles at LPL Financial and North Shore Bank of Commerce. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm provides holistic, goal-based financial planning covering a broad range of topics, with an option to combine planning and managed accounts under a consolidated billing program called WealthPlan.

Gary Bubalo is a financial advisor with RBC Capital Markets in Duluth, MN, holding Series 63 and Series 65 credentials and bringing 49 years of industry experience. He has been with RBC Capital Markets since 2009. Outside of his advisory role, he has served as a director for the GND Development Alliance, a community non-profit focused on revitalizing the far West Duluth recreation area, and holds leadership positions with the Aad Shrine and Shriner's Hospital Twin Cities charitable organizations. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering customized portfolio management and advisory services through multiple wrap fee programs and a combination of in-house and third-party investment managers.

Stephanie Gillman is a Series 66-licensed financial advisor with Ameriprise in Duluth, MN, beginning her advisory career in 2025. Prior to joining Ameriprise, she worked in education for over a decade and also spent time as a homemaker. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Kevin King is a financial advisor with Thrivent Investment Management in Hermantown, MN, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2011. 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,” while keeping planning and portfolio management separate.

Jason Kuss is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2021. His prior experience includes roles at Waddell & Reed, Inc. and operating his own business, Complete Media LLC, alongside Jason Kuss LLC. Outside of finance, he has been involved with the Carlton Area Chamber of Commerce and Cloquet Youth Baseball and Softball Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs and financial planning services, combining proprietary research and third-party models with discretionary and non-discretionary management options.

Kevin Wood is a Series 66-registered financial advisor with Edward Jones in Duluth, MN, and has 10 years of industry experience. He has been with Edward Jones since 2015. 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 through a nationwide network of more than 23,700 financial advisors.

Patrick Pfahl is a financial advisor with RBC Capital Markets in Duluth, MN, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at City National Bank, McGladrey Wealth Management, and a brief period as self-employed. Pfahl serves on the Board of Directors for the Voyager Area Council of the Boy Scouts of America. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, integrating in-house and third-party managers to suit client risk profiles and investment preferences.

Barbara Perrault is a financial advisor with Raymond James Financial in Duluth, MN, holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James Financial and its affiliated entities since 2009. Outside of her advisory role, she works as a Registered Client Service Manager at Ascential Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, while also maintaining specialized programs for municipal and public finance clients.

Beau Erickson is a financial advisor with Ameriprise in Duluth, MN, holding a Series 66 designation and 23 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, 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, non-discretionary retirement advice, supported by a centralized consulting team and algorithmic tools.

Jody Roberts is a financial advisor with Raymond James Financial, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Merrill Lynch and Northwestern Mutual Investment Services. He also works as an associate at Panichi Olson Wealth Advisors LLC in a non-investment support capacity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a broad network of advisors, including municipal finance and SIMPLE IRA consulting programs.

John Herron is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Osaic since 2023. He previously worked at Sagepoint Financial, Inc. for 14 years and operated as a self-employed advisor for nine years. Herron is president of Endersbe, Herron & Associates LLC, which supports his financial advisory business. Osaic Wealth, Inc. serves a diverse range of individual and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk tolerance assessments, and multiple advisory platforms to manage portfolios that may include a variety of investment types.

Andrew French is a Series 66-registered financial advisor with Edward Jones in Cloquet, MN, where he has worked since 2007, accumulating 18 years of industry experience. In addition to his advisory role, he teaches high school classes in business development, economics, and U.S. government through the Mater Dei Apostolate. He also serves as vice president of a partnership formed with other advisors related to the Edward Jones FA Ownership program. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors.

Scott Fisher is a financial advisor at Cetera with 16 years of industry experience. He holds a Series 63 designation and has worked with firms including Northview Financial Partners and Fisher Wealth Management, which he owns. Fisher serves as vice president of the Robert Herman Scholarship Fund and has held leadership roles in the Harbortown Rotary Club of Duluth and its charitable foundation. Cetera Investment Advisers LLC is an SEC-registered adviser that provides portfolio management, financial planning, and retirement services through a broad nationwide network of independent advisors. The firm serves individual, institutional, and charitable clients using a multi-manager platform with various program structures and discretionary authorities.

Matthew Kachel is a financial advisor at Thrivent Investment Management with Series 66 credentials and less than one year of industry experience. His prior work includes positions outside the financial industry, such as roles at Security Jewelers and Americorps. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors. The firm offers holistic, goal-based analyses and ongoing plan reviews, focusing on planning topics without discretionary portfolio management.

Dawkin Erceg is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior roles include positions at The Prudential Insurance Company of America, PRUCO Securities, Uber Inc, DoorDash Inc, and Daktronics Inc. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory, and brokerage services supported by model portfolios and third-party asset management, with an integrated platform that includes insurance products and lending solutions.