Nicholas Rowan is a financial advisor at UBS Financial Services with 28 years of industry experience. He has worked at UBS since 2006 and has a prior background with U.S. Bancorp Piper Jaffray Inc. since 2000. He holds Series 63 and Series 66 licenses and is based in St. Paul, MN. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources to support client strategies.

Bo Chwala is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. Prior to joining Merrill, he worked at Bank of America, N.A. and N.I.S. Financial Services, Inc. He has held various positions in sectors including finance and retail. Merrill, along 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Nelson is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and previously worked for Woodbury Financial Services Inc. for nine years. In addition to his advisory role, Nelson is an insurance producer specializing in life, disability, long-term care, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Christopher Muller is a financial advisor at Thrivent Investment Management in Minneapolis, MN, with 26 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2007. His credentials include Series 63 and Series 65 licenses. 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 financial planning across various topics and allows clients to integrate planning with managed-account programs while keeping these services separate.

Mitchell James is a Series 66-credentialed financial advisor with three years of industry experience, currently with Equitable Advisors in Minneapolis, MN. Prior to his advisory role, he has held various positions including at Class "A" Valet and Scotlynn USA Division Inc. Mitchell also works as a goalie coach for Devenir Goaltenders, an activity he has been involved with since 2017. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Jeffrey Bergerson is a financial advisor with Cetera, holding a Series 66 designation and bringing 18 years of industry experience. He has been affiliated with Cetera and its related entities since 2013 and owns Bergerson Tax Services, Inc., a tax preparation and planning business. Additionally, he co-produces content for The Fantasy Golf Insider, an informational website on professional and fantasy golf. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform, supporting various investment strategies and program structures.

Elle Miller is a financial advisor at UBS Financial Services with five years of industry experience. She previously worked at Lucid Holdings, LLC for four years before joining UBS in 2020. Miller serves on the board of the Wayzata Rotary Club, a humanitarian service organization, where she holds the position of Treasurer. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Alex Vanden Boogaard is a financial advisor with Osaic Wealth Inc., holding a Series 66 designation and five years of industry experience. He has worked with firms including Commonwealth Financial Network and U.S. Bank Private Wealth Management. Outside of his advisory role, he is involved with Gallagher Financial Services, Inc., where he provides client support and sells fixed insurance products such as life and health insurance. Osaic Wealth Inc. serves a diverse client base including individuals, high-net-worth investors, and institutions through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct portfolios across multiple asset classes on either a discretionary or non-discretionary basis.

Fred Lee is a financial advisor with Thrivent Investment Management in Minneapolis, MN, holding a Series 66 designation and 21 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2022, and previously at U.S. Bancorp Investments, Inc. and Wells Fargo Clearing. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering goal-based analyses and written recommendations across a range of planning areas. The firm allows clients to combine planning with managed-account programs under a consolidated billing option, while keeping these services separate.

Taylor Bacchus is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, he held positions at Isaacson & Associates American Family and NorthStar Ford. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers a range of brokerage and advisory solutions and uses research and analytics to guide investment decisions.

Benjamin Kyes is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory role, he co-owns Candid First Impressions, a photo digitization business, and owns Sycamore Trailers LLC, which rents trailers to the public. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in delivering its services, with an emphasis on assets held in Ameriprise-managed accounts.

Harrison Weems is a financial advisor with Mass Mutual Investors Services in Minneapolis, MN. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to joining Mass Mutual and MML Investors Services in 2018, he worked at St Michael Car Care Center from 2016 to 2018. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, offering collaborative annual planning engagements that utilize firm-approved analytical tools.

Michael Pieper is a financial advisor with Cetera in Minneapolis, MN, holding a Series 66 credential and six years of industry experience. He has worked with multiple firms including Securian Financial Services, Minnesota Life Insurance Company, and Northwestern Mutual. Outside of his advisory role, he serves as an assistant hockey coach for Osseo Area Schools and works with North Star Resource Group, a financial services DBA. Cetera Investment Advisers LLC operates a multi-manager platform serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm provides portfolio management, financial planning, retirement services, and access to a range of third-party money managers across various program structures.

Michael Roberts is a financial advisor at Thrivent Investment Management in Minneapolis, MN, with 11 years of industry experience. He holds Series 63 and Series 65 credentials. His prior work includes roles at Ameriprise Financial Services, RBC Capital Markets, U.S. Bank, and U.S. Bancorp Investments. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based analyses and planning across various financial topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Kasey Hafenbrack is a financial advisor with Ameriprise in Saint Paul, MN, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. Hafenbrack has been with Ameriprise and its related entities since 2010. Outside of advising, Hafenbrack serves as co-chief executive officer of Exeter Operational Support, LLC, overseeing office management functions, and volunteers as team treasurer for a local high school boys varsity soccer team. Ameriprise is a large institutional firm that offers retirement-income planning services designed for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written retirement income recommendations, delivered through a centralized consulting team in partnership with advisors.

Roger Williams is a financial advisor with Thrivent Investment Management in Lake Elmo, MN. He holds a Series 66 designation and has six years of industry experience, including two years at MusicFirst prior to joining Thrivent in 2019. Williams serves as Vice Chair on the board of the Minnesota Boychoir, a nonprofit that provides educational and performance opportunities for boys in the Twin Cities area. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial analyses and planning without discretionary trading authority. The firm’s service emphasizes ongoing or one-time planning engagements covering a wide range of topics and allows clients to integrate planning with managed accounts under a consolidated billing system.

Michael Erpenbach is a CFP® with 27 years of experience in the financial services industry. He has worked at LPL Financial since 2021 and previously held roles at Willy Zimmerman, Waddell & Reed, Inc., and other firms. Erpenbach has also served on the St. John's University Alumni Board and the SJU Alumni Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Andrew Osland is a financial advisor with Ameriprise in Minneapolis, MN, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior experience includes roles at Thrivent Financial and Thrivent Investment Management Inc., as well as operating Oz Cycles LLC. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized retirement-income consulting team in partnership with its financial advisors.

Kumi Goaneh is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining RBC in 2018, Kumi worked at NYLIFE Securities LLC and New York Life Insurance Co., and earlier was with Highland Management. Outside of finance, Kumi was involved with Lux Looks Beauty LLC for fourteen years. RBC Wealth Management serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations, offering tailored investment strategies and a range of advisory programs that integrate both in-house and third-party portfolio managers.

Luke Martinson is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2021. Outside of his advisory role, he is involved with the Mediterranean Cruise Cafe, a business engagement dating back to 2023. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address 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 income advice through a centralized consulting team.