Harold Tearse III is a financial advisor at Robert Baird & Co. with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at City National Bank and RBC Capital Markets LLC. Outside of his advisory role, Tearse is involved in coaching youth hockey and serves as an advisor for high school hockey players; he is also engaged in writing a book on wealth management and operates a photography business. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations with tailored financial planning and portfolio management services that include both traditional and non-traditional investment strategies.

David Hiatt is a financial advisor with Charles Schwab in Wayzata, MN, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Charles Schwab since 2011 and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Michael Lawrence is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2000 and is also affiliated with Bank of America, N.A. since 2009. Outside of his advisory work, he serves as treasurer for Branch Church in Shorewood, Minnesota, where he manages budgeting and bill payments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with portfolio implementation tailored to client needs.

James Bowe is a Senior Financial Advisor at Merrill Lynch Wealth Management and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He began his career in 1997 and has over 29 years of experience helping individuals and families build financial strategies. His approach emphasizes clarity, confidence, and creating long-term value tailored to each client's needs. James's financial philosophy is centered on generating a rising income stream through dividends. Utilizing proprietary analysis, historical data, and extensive research from Merrill, he develops customized strategies aimed at helping clients achieve and exceed their financial goals. He regularly reviews portfolios to ensure alignment with evolving objectives, risk tolerance, and life changes. A graduate of Brown Institute, James resides in Plymouth with his wife and son. He remains active in his community through volunteer work with organizations such as Interfaith Outreach & Community Partners and Second Harvest Heartland. Previously, he has also coached hockey and baseball.

Jean Prenevost is a Series 66 licensed financial advisor with Morgan Stanley, based in Wayzata, MN, and has 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he assists with personal banking needs in a separate capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Gary Haworth is a financial advisor at LPL Financial with 30 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial since 2018, following a nine-year tenure at INVEST Financial Corp. He is also president of Gary T. Haworth & Co Ltd, a non-investment-related business he has managed since 1989. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial services supported by proprietary and third-party research, with both discretionary and non-discretionary portfolio management options.

Rory Lea is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. from 2003 to 2017. Mass Mutual 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 financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning using firm-approved analytical tools.

Samantha Donovan is a financial advisor at Morgan Stanley in Wayzata, MN, holding a Series 66 designation. She has experience at UBS Financial and U.S. Bank, with a total of seven years in the financial industry. Donovan also attended Brown University from 2014 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations to support its advisory process.

Ben Boots is a Vice President and Financial Consultant at Fidelity Investments. In this role, he focuses on comprehensive financial and retirement planning, tax-efficient investing, and consolidating assets into coordinated strategies for individuals and families. Ben has experience spanning several positions at Fidelity Investments since 2019, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to his current role, he held positions as an Associate Financial Planner at Lincoln Financial Group and an Investment Analyst Intern at North Star Asset Management.

Annette Dick is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 12 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and employs structured planning tools along with broad retail and institutional investment offerings.

Thomas Brandt is a financial advisor at RBC Capital Markets with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at RBC Capital Markets since 2009 and City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with customizable portfolio management and financial planning services that incorporate a mix of in-house and third-party investment managers.

Carly Neumann is a financial advisor at Ameriprise with 19 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its predecessor firms since 2005. Outside of her advisory role, she is a registered team member with BDLR Group, Inc., where she manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports tailored to clients’ income and withdrawal strategies.

Dean Adelman is a financial advisor with Wells Fargo Clearing in Saint Cloud, MN, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he manages power of attorney responsibilities for family members in Minnesota related to investment matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances, including a discretionary 3(38) investment option and a broad range of financial product offerings beyond typical institutional advisers.

Paul Affeldt is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to his financial services career, he worked for seven years with the Shakopee Police Department. He is also president of Westonka Community and Commerce, where he organizes and runs meetings and helps coordinate community events. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a fiduciary standard.

John Taft is a financial advisor with Robert W. Baird & Co. in Minnetonka, MN, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Prior to joining Baird in 2018, he worked at Deloitte and Touche LLP and Columbia Threadneedle Funds. He serves on the investment committees of the Andy Warhol Foundation for the Visual Arts and The Minneapolis Foundation. He is part of The DDK Group within Baird’s Private Wealth Management department, which provides financial planning and portfolio management services to individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. Baird manages approximately $394 billion in assets and offers a combination of manager-traded and model-traded SMA strategies, tax-management, and unified fee arrangements.

Michael Olafson is a financial advisor at Morgan Stanley in Wayzata, MN, with eight years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and advanced modeling tools in its planning approach.

Jill Radermacher is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Prior to that, she has been affiliated with Bank of America since 2022. Outside of her advisory role, she volunteers as a committee member at Minnetonka United Methodist Church, where she assists with counting and depositing weekly offerings. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes model-based and discretionary strategies developed by internal CIO teams and third-party managers, offering tactical asset allocation and tax-aware investment options.

Ann Treml Olson is a financial advisor with Robert W. Baird & Co. in Minnetonka, MN, holding the CFP® designation and Series 63 and 66 licenses, with 27 years of industry experience. She has been with Baird since 2020 and previously worked at Work Optional, Inc. from 2015 to 2020. Outside of her advisory role, she occasionally assists her husband with administrative tasks for his business. The DDK Group at Robert W. Baird & Co. serves individuals, corporate clients, pensions, and charitable organizations through comprehensive financial planning and portfolio management services. The firm employs a range of SMA strategies, overlay management, and tax-management approaches, supported by internal research and ongoing manager oversight, with about $394 billion in assets under management as of December 31, 2025.

Emily Haan is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Her expertise includes college education planning, employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and women and wealth. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Emily earned a Bachelor's Degree from Iowa State University. Outside of work, she enjoys cooking, hiking, pickleball, running, swimming, writing, and spending time with her family. She is also involved with Grace Church Minnesota.

Richard Rosati is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has 17 years of industry experience, previously working at Wells Fargo, and currently serves as a First Vice President, Financial Advisor with the Oslund Kane Wealth Management Group in Wayzata. Richard's expertise encompasses the four cornerstones of wealth management: investments, liability management, non-portfolio risk management, and estate planning strategies. His approach focuses on understanding clients' situations, experiences, and goals to balance reason and emotion in financial decision-making. He adheres to principles of integrity, objectivity, competence, fairness, confidentiality, and ethics. He holds a Bachelor of Science in Business and Economics from the University of Wisconsin-River Falls, a Master of Business Administration and a Master of Arts in Economics from Mankato State University. Richard is a CERTIFIED FINANCIAL PLANNER® professional and a Personal Investment Advisor (PIA).