Kalsang Dickyi is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, Kalsang worked at Morning Glory Homes and the University of St. Thomas. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Juan Lopez Maya is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In his role, he works closely with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. Juan offers ongoing advice and adapts financial plans as clients’ situations evolve, addressing priorities such as retirement planning, investing, and saving for unexpected expenses. Juan holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned his high school diploma from Oakcrest High School. Juan is bilingual, fluent in both Spanish and English.

David Keller is a financial advisor with Mass Mutual Investors Services in Minneapolis, MN, holding a Series 63 designation and with 30 years of industry experience. He has been affiliated with MassMutual Life Insurance Company and Mass Mutual Investors Services since 1995. Outside of his advisory role, he is involved in insurance sales and serves as chief manager of Keller 1, LLC and Keller Management Company, which focus on real estate activities including property buying, selling, and homeowners association management. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing collaborative financial planning using firm-approved analytical tools and delivers written recommendations, with additional services such as educational seminars and specialized planning programs.

Brenda Vaughn is a financial advisor with Ameriprise Financial Services, holding CFP® and Series 66 credentials and bringing 37 years of industry experience. She has worked with Ameriprise since 2005, including roles at both Ameriprise Financial Services, Inc. and American Enterprise Investment Services, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Tiphanie Means is a financial advisor with Ameriprise in Ham Lake, MN, holding a Series 63 designation and 18 years of industry experience. She has been with Ameriprise and its affiliated entities since 2010. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver customized, non-discretionary retirement advice through a centralized consulting team.

Jaiden Nelson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, Jaiden worked at Wells Fargo Bank and has been involved with Jet's Pizza since 2014, where he contributes by preparing food and managing store operations on a part-time basis. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Thomas Karner is a financial advisor at OSAIC with 30 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors and SII Investments. Karner is also president of Karner & Associates, Inc., where he focuses on the sale of major medical and Medicare supplement insurance products. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory, and financial planning services. The firm employs asset-allocation tools and risk assessment methods to create portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Ross Frederickson is a financial advisor at Ameriprise in Eagan, MN, with 28 years of industry experience. He has been with Ameriprise since 2020 and previously worked for American Express Financial Advisors Inc. for 20 years. He holds the Series 63 designation. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, offering written Recommendation Reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Heather O'connor is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 2006 and joined Merrill in 2012. Heather's professional focus includes college education planning, corporate benefits, legacy planning, personal retirement planning, small business strategies, socially responsible and values-based investing, women and wealth, and retirement income. Heather grew up on a working dairy and crop farm in Braham, Minnesota. She earned Bachelor of Arts degrees in Anthropology and Criminal Justice along with a Certificate of Forensic Science from Hamline University in 2002. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Heather and her husband Patrick currently reside in Shoreview. She is a current member and former board member of Giving WoMN, a group that promotes women's leadership in philanthropy. She is also involved with Junior Achievement. In her spare time, Heather enjoys reading, walking her dog, cooking, spending time with her family, and traveling.

Anders Ahlberg is a financial advisor with Fidelity Investments in Oakdale, MN, holding a Series 66 designation and two years of industry experience. His prior roles include operating Anders R. Ahlberg LLC for five years and working at Whelan Security for three years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and serves as an advisor for multiple registered investment funds.

Justin Costley is a financial advisor with Wells Fargo Clearing in Saint Paul, MN, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he coaches youth and high school softball in the Lakeville, MN area. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of financial products, performance reporting, and participant education.

James Pinkerton is a financial advisor at Ameriprise in Minneapolis, MN, holding Series 63 and Series 66 licenses with 39 years of industry experience. He previously worked at Wells Fargo Securities and Wells Fargo Clearing Services before returning to Ameriprise in 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing detailed retirement income planning and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Scott Brunscheen is a financial advisor at Merrill with Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Merrill, he held roles at Wells Fargo Clearing and Wells Fargo Bank. Outside of finance, Brunscheen is also active as a contracted musician with multiple performing arts organizations including Haymarket Opera and the Schubert Club. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Fares Saqfalhait is a financial advisor with Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 credential and one year of industry experience. His background includes roles at Wells Fargo Bank, LPL Enterprise, and over a decade at Life Time. Outside of his advisory career, he is involved in Executive Fitness and Nutrition Coaching LLC. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Jake Zabloudil Jr. is a financial advisor with Thrivent Investment Management in Minneapolis, MN, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has previously worked at Avantax Investment Services and 1st Global Advisors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various financial planning topics without managing portfolios directly or holding discretionary trading authority.

Sydney Jirak is a financial advisor at Ameriprise in Minneapolis, MN, holding Series 63 and Series 65 licenses with eight years of industry experience. Prior to joining Ameriprise, Sydney worked at MML Investors Services, MassMutual, and Posh Jesmer, among other roles. Outside of advising, Sydney has been involved with Scannell LLC in a registered staff capacity. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Garrett Quady is a financial advisor at UBS Financial Services in Minneapolis, MN, holding a Series 66 designation. He has recently transitioned to the financial industry, joining UBS in 2025 after diverse work experience including roles at Black Bird Limo and Three Rivers Park District. 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 employs proprietary research and model-based asset allocations to tailor financial plans to client goals and risk tolerances.

Michael Schwartz is a financial advisor with Cetera, holding a Series 63 designation and bringing 18 years of industry experience. He has previously worked with firms including LPL Financial and Principal Financial Services. Outside of his advisory role, Schwartz serves as president of Eastwood Wayne, LLC, a transportation business coordinating travel and lodging for groups. Cetera Investment Advisers LLC is a large, SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers a variety of portfolio management and retirement services with access to both affiliated and third-party managers.

John Haerle is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding Series 63 and Series 66 credentials and having 31 years of industry experience. He has been with RBC Dain Rauscher since 2008. Outside of his advisory role, he works as an independent contractor consultant promoting nutritional products. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Derek Spavin is a financial advisor with Ameriprise in Birchwood, MN, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.