Benjamin Beuning is a CFP®-credentialed financial advisor with six years of industry experience. He currently works at Cetera and has previously been affiliated with Avantax Investment Services and RGW Wealth Management, where he has also engaged in marketing activities including PR releases and website maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management solutions, combining discretionary and non-discretionary services across multiple program structures.

Courtney Martineau is a financial advisor with Morgan Stanley in Wayzata, MN, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Morgan Stanley in 2025, Martineau worked at Merrill from 2021 to 2024 and UBS Financial Services from 2015 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support financial plans.

Lucas Ciabattoni is a CFA® charterholder with four years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance since 2021, following a four-year tenure at Allstate Investments. Prior to his advisory career, he attended the University of Wisconsin - Madison. 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 offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements that utilize firm-approved analytical tools.

John Dubbe is a financial advisor with LPL Enterprise in St. Louis Park, MN, holding Series 63 and Series 65 licenses and nine years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, Dubbe is involved in mortgage and real estate services through John Dubbe Realty and also solicits disability insurance business with the Eugene Cohen Agency. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers. The firm’s integrated platform combines adviser programs with brokerage and insurance product sales, supported by research and discretionary management options.

Brent Rice is a Senior Financial Advisor with Merrill Lynch Wealth Management. With a focus on personalized wealth management strategies, he helps clients navigate complex financial landscapes by understanding their full financial picture and unique goals. Brent specializes in areas including divorce transition planning, small business strategies, and retirement income. Brent holds a Bachelor's Degree from Grand View College and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He emphasizes a holistic approach to financial advising, working closely with clients to develop customized strategies that align with their long-term objectives. In addition to his professional work, Brent participates in community activities such as coaching youth baseball and is affiliated with Grace Church. His personal interests include biking, golfing, hunting, and running.

Kathryn Ripley is a financial advisor with UBS Financial Services, holding a Series 66 designation and eight years of industry experience. She has previously worked at Merrill and Luxottica, Target Optical. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory services, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm operates with a combination of wealth management and institutional trading capabilities.

Sara Valesano is a CFP®-designated financial advisor with Edward Jones in Golden Valley, MN, where she has worked since 2018. She has eight years of industry experience and also serves as a registered nurse at Hennepin County Medical Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of over 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mario Lucarelli is a financial advisor with LPL Financial based in Wayzata, MN, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Iron Range Advisors, LLC and Waddell & Reed, Inc. He has also been involved with the Suburban Hockey Referee Association for 18 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Aiken is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked with Cetera and affiliated entities since 2016. Outside of his advisory role, he has experience in hospitality service and works as an insurance agent specializing in life, health, disability, annuities, and long-term care products. 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 financial planning services through a multi-manager platform, providing access to both affiliated and third-party investment strategies across various program structures.

Richard Jones is a financial professional with 33 years of industry experience, currently affiliated with Cetera. He holds a Series 63 designation and has worked with multiple firms including Tonka Financial Services and First Allied Securities. Jones is involved with the Alpha Kappa Psi Alumni Chapter, a nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies and integrates a large nationwide network of independent advisors.

Joan Gilles is a financial advisor with Osaic Wealth Inc., holding the ChFC® designation and Series 63 and 66 licenses, with 34 years of industry experience. She has previously worked at Cetera and AdvisorNet Wealth Partners. Gilles also operates as an independent insurance agent, offering life, disability, and long-term care insurance along with annuities. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a wide network of advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios incorporating various asset classes.

Christopher Patnode is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at LPL Financial since 2018 and previously spent seven years with Invest Financial Corporation. Outside of advisory work, he is the owner and manager of Mills Siding and Roofing, a business unrelated to investments. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dustin Keomysy is a financial advisor with Raymond James Financial Services Advisors, Inc. based in Minnetonka, MN. He holds a Series 66 designation and has 28 years of industry experience. Prior to his current role, he worked at LPL Financial from 2011 to 2017. Outside of his advisory work, he is involved in real estate brokerage as an agent. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a distinctive focus on non-discretionary advisory services.

John Cavanaugh is a CFP®-credentialed financial advisor with 18 years of industry experience, currently associated with LPL Financial since 2019. Prior to joining LPL, he worked at FSC Securities Corporation for 12 years and has operated Cavanaugh Financial since 2007. He also serves as a notary and is licensed as an agent for non-variable life and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Adam Grantham is a financial advisor with LPL Financial in Maple Grove, MN, holding the CFP® and ChFC® designations and carrying 17 years of industry experience. His prior roles include positions at Associated Bank, TIAA-CREF, Waddell & Reed, and AAGI, Inc. Additionally, he is involved with The Grantham Group, INC, a business entity unrelated to investment advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Jeffrey Raiche is a financial advisor at Edward Jones in Albertville, MN, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2015 and concurrently has experience with Dominos Pizza since 2013. 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 through a broad network of advisors and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Kyler Harder is a financial advisor with Mass Mutual Investors Services in Plymouth, MN, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Mass Mutual and its affiliated insurance company since 2012. Outside of his advisory role, he owns and manages businesses involved in equipment rentals and aircraft leasing. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by advanced software tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Caroline Ward is a Private Wealth Advisor and partner with Broughton Ward, a team within Merrill Private Wealth Management that has served families and institutions for over 40 years. She collaborates with early-stage employees and founders, executives, families, and institutions across the country on a variety of financial needs, including equity compensation planning, liquidity strategies, portfolio management, wealth and estate strategies, and banking and lending services. Caroline's approach focuses on simplifying complex financial situations and guiding clients to realize what their wealth can achieve, grounded in the team's core values of humility, intellectual honesty, and empathy. Caroline began her career in financial services in 2016, bringing prior experience as an institutional investment professional at Artisan Partners and Travelers Insurance, where she contributed to managing a $70 billion fixed income portfolio. She holds an MBA in Finance from the UCLA Anderson School of Management and a Bachelor of Arts from Claremont McKenna College, where she co-captained the women's tennis team and was a seven-time NCAA All-American. Caroline is a Chartered Financial Analyst (CFA) Charterholder and a member of the CFA Institute and the CFA Society of Minnesota. Residing in Northeast Minneapolis with her husband and their rescue cat, Caroline spends her free time engaged in activities such as yoga, cooking, exploring local restaurants, and spending time with family and friends.

Henry Larson is a financial advisor at RBC Capital Markets with one year of industry experience. He holds a Series 66 designation and previously worked at Pensions & Investments and within the education sector at Orono Public Schools and the University of Minnesota. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles using both in-house and third-party investment managers.

Keri Burton is a financial advisor with Morgan Stanley in Wayzata, MN, holding Series 63 and Series 66 licenses and having 22 years of industry experience. She has been with Morgan Stanley since 2010, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Outside of her advisory work, she is a partner in a consulting business focused on business development for nonprofits. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and Global Investment Committee return estimates.