Heather Fitch Radcliff is a financial advisor with UBS Financial Services in Saint Paul, MN, holding a Series 66 designation and 27 years of industry experience. She has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets and advisory solutions.

Melissa Garcia is a Planning Consultant at Fidelity Investments, a position she has held since 2022. She partners with clients to help them pursue their financial goals by developing comprehensive plans that manage risk and align with their priorities. Her approach is focused on creating strategies that work toward clients' financial success and provide peace of mind. Melissa has extensive experience in the financial industry. Prior to her current role, she served as an Associate Advisor at RSM Wealth Management from 2015 to 2020 and was a Vice President Financial Consultant at Charles Schwab from 1995 to 2015. This background has provided her with a broad perspective on financial planning and client advisory services. Outside of her professional work, Melissa enjoys boating, family activities, kayaking, and outdoor adventures.

Lynnette Mahlke is a CFP® professional with 38 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across a range of financial planning topics. The firm supports clients with planning services separate from managed-account programs and conducts periodic reviews of recommendations.

Steven Bullert is a CFP® professional with 30 years of experience in the financial services industry. He has been with OSAIC since 2024 and previously worked for Securities America Advisors, Inc. and Securities America, Inc. for nine years. In addition to his advisory work, he provides seasonal tax preparation services and offers life insurance, long-term care insurance, and fixed annuities through First Resource Group. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated financial advisers and provides integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary accounts, offering a variety of investment options and third-party managed-account solutions.

Edward Kozak Jr. is a financial advisor with LPL Financial in Woodbury, MN, holding Series 63 and Series 65 credentials and possessing 24 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Voya Financial Advisors, INC for seven years. He is also involved with Sycamore Insurance Group and SycAmore Wealth Management, where he has roles spanning over a decade. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Alexander Anderson is a financial advisor at Cetera with the Series 66 designation and four years of industry experience. He has worked at Cetera and its affiliated entities since 2021. Outside of advising, Anderson is also engaged in sales of fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services delivered through a multi-manager platform.

Nathan Mcguire is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2023. Prior to his financial advisory career, he worked for South Washington Schools for 24 years. Outside of his advisory role, Mcguire officiates high school and youth basketball games. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm offers holistic, goal-based planning and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and portfolio management separate.

Travis Amiot is a CFP® professional with 21 years of experience in the financial industry, all of which have been spent at Edward Jones since 2005. He serves on the Board of Directors for St Croix Catholic School in Stillwater, MN. Edward Jones is a full-service wealth management firm that serves a broad range of individual and institutional clients, offering various advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Tim Bridgeman is the Vice President and Branch Leader at the Oakdale Investor Center, where he leads a team of financial professionals dedicated to serving clients. In his role, he partners with clients to develop personalized financial plans and assists in their implementation. Tim has extensive experience in the financial services industry, having held various positions including Sales Director, Senior Sales Manager, Sales Manager, and Financial Advisor at Ameriprise Financial from 2011 to 2022 before joining Fidelity Investments in 2022. Outside of his professional responsibilities, Tim enjoys outdoor activities such as camping, golf, hiking, kayaking, and traveling. He is also involved in volunteering.

Nicholas Nerland is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Nerland serves on the finance committee of the Moundsview Football Booster Club. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Jonathan Brass is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing tailored advice and guidance to individuals, couples, and families. He focuses on helping clients streamline and coordinate multiple aspects of their financial lives, including liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income strategies. Jonathan began his financial career at Piper Jaffray, where he worked for six years before joining Merrill in 2006. He holds a Bachelor’s degree in Finance from the University of St. Thomas and a Master of Business Administration from the University of Notre Dame. He is a CERTIFIED FINANCIAL PLANNER® practitioner and holds the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor (CPFA) designations. Jonathan is also a member of the Notre Dame Club of Minnesota. Residing in Mendota Heights, Jonathan coaches youth hockey and has been involved in coaching for many years. His personal interests include boating, golfing, ice hockey, skiing, and spending time with his family.

Michael Goehner is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 designation and has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

Alyssa Aguilera is a financial advisor with Edward Jones in Stillwater, MN, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2017 and previously worked at Minnesota Best Maid Cookie Co. and the University of Wisconsin River Falls. Outside of advising, she is president of El Rancho Carnelian LLC, an entity that owns recreational land. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Veronica Kuechenmeister is a financial advisor at Ameriprise in Woodbury, MN, holding a Series 66 designation with 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2010. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, using a combination of research, modeling, and tax-efficiency analysis to generate tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Matthew Seigfreid is a financial advisor with Edward Jones in Hudson, Wisconsin, holding Series 63 and Series 66 licenses and over 20 years of industry experience. His career includes multiple tenures at Edward Jones totaling 19 years, as well as positions at Infinex Financial Group, Waddell & Reed, Cetera Advisors, and the Prosperity Network of Advisors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Todd Lins is a financial advisor at Cetera with 23 years of industry experience. He holds a Series 66 designation and has worked at Cetera since 2021, with prior roles at Voya Financial Advisors and Capital Street Financial Services. He is also an independent insurance agent based in St. Paul, MN. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple program platforms featuring a multi-manager investment approach.

Stephen Lewis is a financial advisor with Cetera holding a Series 66 credential and 12 years of industry experience. He has been associated with Cetera in various capacities since 2020 and operates multiple financial services entities. Outside of finance, he is involved in music performance and education through his ownership of Stephen Wayne Enterprises, LLC, and serves as a church council member at the Lutheran Church of the Resurrection. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, institutional, and retirement plan clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform that allows advisors to implement various model portfolios and bespoke strategies.

Christine Dawly is a financial advisor with Raymond James & Associates and holds Series 63 and Series 66 licenses. She has 26 years of industry experience, including 17 years at Merrill prior to joining Raymond James in 2023. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on diverse portfolio management styles and affiliated research to support client-tailored strategies.

Micah Ziemke is a financial advisor at Fidelity with a Series 66 designation. He has one year of industry experience and previously worked at Ameriprise and Helpstone, Inc. Fidelity’s affiliated Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm’s notable activities include serving as a commodity pool operator, advising multiple funds, and employing AI-driven research methods.

Brandon Evens is a financial advisor at Cetera with four years of industry experience. He holds a Series 66 designation and has worked with firms including Wells Fargo and Thrivent Financial. Outside of finance, he operates Evens Drone Operations, a business active since 2020. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary account structures.