Jay Loch is a financial advisor with RBC Capital Markets and holds Series 63 and Series 65 credentials. He has 30 years of industry experience and has worked at RBC Capital Markets since 2008 and City National Bank since 2019. Outside of his advisory role, he serves on the boards of several local organizations, including the Eden Valley-Watkins Community Foundation, the Paramount Arts District, the Tech Hockey Booster Club, and the St. Cloud Country Club. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, utilizing both in-house and third-party managers to meet diverse client needs.

Charles Murray is a financial advisor with Raymond James & Associates in Saint Cloud, MN, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include five years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates, Inc. 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—and offers financial planning, investment consulting, and institutional fiduciary services with a primarily non-discretionary approach.

Eric Henry is a financial advisor at Cetera with 15 years of industry experience. He holds Series 66 and Series 63 credentials and has been associated with various Cetera entities since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and financial planning services and operates a multi-manager platform with over $256 billion in assets under management.

Keith Laudenbach is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, combining in-house and third-party managers to meet diverse client needs.

Jeffrey Botz is a Certified Financial Planner® with 28 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2019. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is the proprietor of JB Capital LLC, a company engaged in owning and maintaining a commercial real estate building. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Corey Hacker is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been affiliated with multiple Cetera entities since 1999 and has prior experience with Guaranty Brokerage Services and Bancnorth Investment Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients nationwide through a large network of independent advisors. The firm offers a range of portfolio management and retirement services with multiple program options and access to third-party money managers.

Matthew Nikodym is a financial advisor at UBS Financial Services with 22 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing services such as financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services to deliver tailored investment solutions.

Troy Molitor is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Edward Jones since 2002. Earlier in his career, he built a multi-level marketing business with Amway from 1991 to 1995. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Christopher Gadacz is a Series 66-credentialed financial advisor at Cetera with 19 years of industry experience. He has been with Cetera and its affiliate Cetera Investment Services since 2012. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures and custodians.

James Lynch is a financial advisor with LPL Financial in St. Cloud, MN, holding a Series 63 designation and bringing 31 years of industry experience. His prior work includes nearly two decades at Cetera Investment Services and a year at Investment Centers of America. Outside of finance, Lynch serves as a high school wrestling referee. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutional entities. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Adam Schlichting is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to his career in financial advising, he spent twelve years at Luther St Cloud Honda. 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 programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Nancy Minkkinen is a financial advisor at RBC Capital Markets with Series 63 and Series 65 licenses and 28 years of industry experience. She has worked at RBC Capital Markets since 2021 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Tracy Meyer is a financial advisor at UBS Financial Services with seven years of industry experience, including ten years with her current firm. She holds the Series 66 designation. Outside of her advisory role, she serves as a Notary Public for the State of Minnesota, providing notary services without charge. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Tren Dinius is a Series 66-licensed advisor with Cetera who has seven years of industry experience. He has been with Cetera and its affiliated entities since 2018 and previously worked at OneMaine Financial and Target. Outside of his advisory role, he serves as treasurer for the Swanville Athletic Booster, managing payments and fundraising activities. Cetera Investment Advisers LLC is an SEC-registered adviser that operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, including access to third-party money managers and model portfolios.

Janessa Sobania is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has previously worked at CUNA Brokerage Services, Inc. and Magnifi Financial Credit Union. Outside of her advisory work, she is a brand ambassador for Andar, a retailer of leather goods, and a brand partner for Bellame Beauty Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, 529 account management, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven investment strategies.

Diane Smieja is a financial advisor at Edward Jones in Albany, MN, with five years of industry experience. She holds the Series 66 designation and previously worked at Rahn's Oil & Propane for five years. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

Brett Shaw is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked across various Wells Fargo entities since 2011. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that offers investment and fee‑based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and specialized planning for niches such as business-owner transitions and special-needs analysis.

Michael Trnka is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Focus Financial and Royal Alliance. He is also involved with Trnka Financial LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management alongside research-supported model portfolios and various investment strategies.

Carey Groethe is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and 14 years of industry experience. He has worked at RBC Capital Markets since 2007 and is also associated with City National Bank since 2019. Groethe serves on the boards of several nonprofit organizations, including the Central Minnesota Housing Partnership and Central Minnesota Youth for Christ, and volunteers on the 7th District Ethics Committee for the Office of the Director of Lawyers Professional Responsibility. RBC Wealth Management, a division of RBC Capital Markets, offers advisory services to individual and institutional clients, including high-net-worth investors and charitable organizations. The firm provides tailored investment programs featuring discretionary and non-discretionary portfolio management, financial planning, and custody services, supported by a range of in-house and third-party investment managers.

Laura Humphrey is a financial advisor at Osaic with 12 years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and Securities America Inc. Outside of her advisory work, she is a notary public and operates Granite Financial, LLC, which provides securities, insurance, and financial advice services. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines brokerage and investment advisory services with financial planning and managed account solutions, employing tools such as asset-allocation models and automated rebalancing to create tailored portfolios.