Jeffrey Jarnes is a CFP® and ChFC® credentialed advisor with 45 years of industry experience. He is currently affiliated with Cetera and has a longstanding career including roles with Fortune Financial Holdings, Securian Financial Services, and Minnesota Life Insurance Company. Outside of advisory work, he is involved in fixed insurance sales and operates a financial services business. Cetera Investment Advisers LLC is a large nationwide network serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services supported by a broad selection of investment strategies and custodial relationships.

Jacob Morris is a financial advisor with Edward Jones in Wayzata, MN, holding a Series 66 credential and bringing seven years of industry experience. Prior to joining Edward Jones in 2018, he worked for Osseo Area Schools for twelve years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and affiliated investment products through a large nationwide network of advisors and branches.

Elizabeth Stromberg is a financial advisor at RBC Capital Markets with 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2008 and holds the Series 63 and Series 65 designations. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, with strategies tailored to clients’ risk profiles and implemented through a combination of in-house and third-party investment managers.

Carl Lottman is a financial advisor with MassMutual Investors Services in Plymouth, MN, holding a Series 63 designation and 14 years of industry experience. He has been with MassMutual life Insurance Company and MassMutual Investors Services since 2011. Outside of his advisory role, he is involved in health insurance sales as an agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software tools to analyze client goals and deliver written recommendations.

Catherine Shannon serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. She is a financial professional with over eighteen years of experience in the financial services industry, specializing in areas such as college education planning, corporate executive services, employee benefits planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, socially responsible investing, women and wealth, and tax minimization. Kate holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Certified Trust and Fiduciary Advisor (CTFA), and Personal Investment Advisor (PIA). She possesses Series 7, 63, and 65 FINRA registrations as well as life and health insurance licenses. Catherine earned a Bachelor of Arts degree in Cultural Studies and Comparative Literature from the University of Minnesota, where she graduated summa cum laude and Phi Beta Kappa. She also holds a Master of Arts degree in Philanthropic Studies from Indiana University, where she was a Jane Addams-Andrew Carnegie fellow. In addition to her professional commitments, Catherine is actively involved in her community as a member of the board for Project DIVA International. She is affiliated with the University of Minnesota Alumni Association, Indiana University Alumni Association, and is a founding member of the Mortar Board Foundation.

Jon Gadberry Jr. is a CFP® and CFA® credentialed financial advisor with 10 years of industry experience. He is currently with Ameriprise in Eden Prairie, MN, having previously worked at Orgel Wealth Management, Northwestern Mutual Investment Services LLC, Steve Miura, American Century Investment Services, Inc., and Ameriprise Financial Services, Inc. Outside of his advisory work, he is a co-owner of Coteau Holdings, LLC, where he manages an advisory business. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds, providing tailored recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering non-discretionary advice through a centralized consulting team.

Russell Stains is a financial advisor with Morgan Stanley in Wayzata, MN, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Their planning approach incorporates firm-approved tools and modeling techniques but does not include individual security recommendations as part of standalone plans.

Amy Erck is a financial advisor at Morgan Stanley with a Series 66 credential and five years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2018 and has prior experience at The Fountain Group, Beacon Hill Staffing Group, Kroll Ontrack, and operated a law office from 2013 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery tools and scenario modeling, and manages approximately $2.74 trillion in client assets.

Lindsay Johnson is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2005, focusing on developing financial strategies for high net worth individuals and business owners. Lindsay holds the CFP® certification and the Personal Investment Advisor (PIA) designation. She earned Bachelor's degrees in Economics and Finance, along with a minor in Accounting, from the University of Wisconsin-La Crosse. Lindsay's professional expertise includes college education planning, divorce transition planning, services for endowments, foundations and non-profits, liquidity management, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Lindsay lives in Minnetonka with her husband, Matthew, and their two children. She is actively involved in her community, supporting non-profit organizations such as Wishes & More, and serves on the Gleason Lake Association Board. Her personal interests include interior decorating, music, painting, and spending time with her family.

Brian Mickelson is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked with Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is Chief Financial Officer and financial advisor for TC Family LLC, where he manages company financials. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate modeling, tax strategies, and income planning. The firm delivers these services through a centralized consulting team and combines algorithmic tools with advisor oversight.

Davis Breen is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has been affiliated with Cetera and its related entities since 2017. Outside of his advisory role, he is involved as a client support specialist at Sterling Retirement Resources. Cetera Investment Advisers LLC is a nationwide firm serving individual, corporate, charitable, and institutional clients with a range of portfolio management and retirement services. The firm offers multiple program options and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Joseph Simonett is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. He has worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2021, following five years at Ameriprise Financial Services, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from its Center for Financial Research.

Jian Yang is a CFP® with 12 years of experience and has been with Edward Jones since 2014. He is based in Spring Park, MN, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

John Gutowsky Jr. is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 credential and has previously worked at SagePoint Financial Inc. and Cetera Advisors LLC. He serves on the board of the Fellowship of Christian Athletes, a nonprofit organization. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and unified managed accounts. The firm uses a model-based investment approach with asset allocation and portfolio optimization tools and is notable for its scale, complex affiliate network, and recent consolidation activity.

Steven Rowan is a financial advisor with Mass Mutual Investors Services in Plymouth, MN, holding a Series 66 designation and 22 years of industry experience. He has worked with MassMutual Life Insurance Co. and MML Investors Services Inc. since 2009. Rowan also works as an insurance broker, focusing on sales and service of traditional and fixed indexed insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, providing recommendations based on firm-approved analysis tools.

Judy Fredrickson is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2012, following a decade at AllianceBernstein L.P. in prior roles. Based in Wayzata, MN, she provides advisory services within a major global financial institution. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating in multiple capacities such as broker-dealer, investment adviser, and futures commission merchant.

Lauren Boulware is a financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank since 2016 and was previously with RBC Capital Markets Corporation from 2009 to 2016. She holds a Series 66 credential. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery conversations and planning tools as part of its financial planning process.

Kadee Watkins is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 66 credential and has worked at multiple firms including Morgan Stanley Private Bank, N.A. and LPL Financial, LLC. Outside of her advisory role, she is involved as a fitness instructor with The Barre and serves on the finance committee of the Orono Foundation for Education. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers both retail and institutional investment solutions.

Peter Eckerline is a financial advisor with RBC Capital Markets in Wayzata, MN, holding Series 63, Series 65, and Series 66 licenses. He has 37 years of industry experience, including roles at Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base ranging from individual investors to institutional clients. The firm offers a variety of advisory programs with tailored portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Evan Kvittem is a CFP® and Series 66-licensed financial advisor with 11 years of industry experience. He currently works at OSAIC and previously spent eight years at SagePoint Financial. Outside of his advisory role, he serves as Vice President and Treasurer of EKE LLC, a business supporting advisor partnerships, and operates a sole proprietorship providing insurance sales and servicing. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization with various program options and maintains a complex affiliate network supported by private-equity ownership.