Reece Chiriboga is a CFP®-designated financial advisor with four years of industry experience, currently with Wells Fargo Clearing since 2022. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he serves as a head baseball coach for St. Louis Park Junior Varsity. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Aaron Elkins is a CFP® certified financial advisor with 25 years of industry experience, currently with Ameriprise in Plymouth, MN. He previously worked at LPL Financial and BMO Bank NA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing planning focused on income sources and tax-aware withdrawal strategies.

Dana Effertz is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 25 years of experience in the financial services industry, including more than five years with Merrill Lynch. Dana works closely with her clients to set and achieve financial goals such as preparing for retirement, selling a business, funding education, saving for travel, and wealth transfer. Her client relationships are long-term and focused on helping individuals and families manage their financial lives with confidence. Dana holds a Bachelor's Degree from the Minnesota State College & University System and a Master of Business Administration (MBA) from the University of Saint Thomas. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is affiliated with Merrill Lynch, Pierce, Fenner & Smith Inc., AIG Retirement/VALIC, and Ameriprise Financial Services. Outside of her professional role, Dana enjoys spending time with her husband, Cory, and their two children, Taylor and Cayden. Her personal interests include gardening, golf, ice hockey, soccer, and volleyball. She is active in her community, contributing her time and resources to organizations such as the Orono Foundation for Education.

Matthew Probst is a financial professional with Cetera, holding a Series 66 designation and five years of industry experience. He has worked with several firms including Minnesota Life Insurance Co, Securian Financial Services, and North Star Resource Group. Outside of his advisory role, he is involved in fixed insurance sales through North Star Consultants and operates under multiple financial services DBAs. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, retirement services, and access to third-party managers through a multi-manager platform with a range of program structures and investment options.

Bryan Kramer is a Wealth Management Advisor with the Oslund Wealth Management Group, having joined the team in 2022. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and a Personal Investment Advisor (PIA) designation. Bryan graduated from Southwest Minnesota State University with a bachelor's degree in Finance. Since beginning his career in financial services in 2005, Bryan has focused on helping individuals and families, including executives and medical professionals, align their financial lives with their goals. His approach emphasizes understanding clients' financial situations, risk tolerance, time horizons, and liquidity needs. He partners with clients to develop personalized, goal-based plans, supported by Merrill's investment insights and Bank of America's banking services. Bryan lives in Orono, Minnesota with his wife, Dr. Jessica Kramer, and their three children. The family enjoys traveling, spending time outdoors, and attending their children's sporting events.

Jordan Kretsch is a financial advisor with OSAIC in Buffalo, MN, holding CFP®, Series 65, and Series 63 credentials and eight years of industry experience. His prior roles include positions at Securities America Advisors and AIS Planning. He operates a business under the name Riverstone Financial Group & Insurance Services. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and risk management tools.

Joseph Balut is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he coaches basketball at Mound Westonka High School in Minnetrista, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and affiliated products, with a large nationwide network of advisors and branch offices.

Taylor Foster is a financial advisor at Cambridge Investment Research Advisors with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Park Avenue Securities and Guardian Life Insurance Company. Foster is also the owner of Altura Wealth, an independent investment-related business. Cambridge Investment Research Advisors serves both individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Seth Koestler is a financial advisor with Wells Fargo Clearing in Wayzata, MN, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo bank and related entities since 2011. Outside of his advisory role, he serves as a notary public in Carver County, MN. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines large-scale operations with research-driven investment evaluation and provides a range of brokerage and advisory solutions.

Andrew Seiler is a financial advisor at Robert W. Baird & Co. with five years of industry experience. He holds the Series 66 designation and joined Robert W. Baird in 2020 after working at PricewaterhouseCoopers LLP from 2015 to 2019. Outside of his advisory role, he serves as treasurer for Jewfolk Inc., a nonprofit organization. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of investment strategies and overlays.

Matthew Koski is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. He has held roles at several firms including American Enterprise Investment Services, Inc., Ameriprise, and AdvisorNet Financial Inc. Koski also serves as a portfolio manager at Sterling Retirement Resources Inc., where he is involved in investment management and trading. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with various program options and affiliations.

Jamie Chmielewski is a financial advisor with Wells Fargo Clearing in Wayzata, MN, holding a Series 66 designation and 16 years of industry experience. He has worked in various roles within Wells Fargo firms since 2016. 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.

Ali Kourouma is a financial advisor at Morgan Stanley in Wayzata, MN, holding Series 63 and Series 65 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Wells Fargo Bank and has a diverse background including roles at Sam’s Club, Minnesota State University, Mankato, and community involvement with AriseCares. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services that rely on advisory guidance without individual security recommendations as part of standalone plans.

Peder Larson is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and TruChoice Financial. Outside of finance, he has experience in the food service industry, including roles at Davanni's Pizza & Hot Hoagies and Panera Bread. Mass Mutual Investors Services 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 seminars, with a focus on collaborative, annual financial planning engagements that utilize firm-approved software and analytical tools.

Lynn Gilbertson is a Series 63-registered advisor with Primerica Advisors in Saint Michael, MN, with 39 years of industry experience. She has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1984. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies and owns LCG, Inc., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Carson Lee is a Planning Consultant who collaborates with advisors to develop personalized financial plans tailored to clients' family and personal goals. He focuses on making the planning process clear and comfortable to instill confidence in clients' financial futures. His professional experience includes roles such as Relationship Manager and Financial Service Representative at Fidelity Investments, Retirement Consultant at Heartland Retirement Group, Associate Accountant at The Berg Group, and Financial Representative at Northwestern Mutual. These positions have contributed to his understanding of financial planning and client relationship management. Outside of his professional work, Carson enjoys boating, fishing, spending time at the lake, outdoor adventures, and caring for pets.

Amy Untiedt is a financial advisor with Ameriprise in Independence, MN, holding a Series 66 designation and 12 years of industry experience. Her prior roles include positions at Columbia Management Investment Distributors, Inc. and American Enterprise Investment Services, INC. She also serves as an operations manager at Strand and Associates, supporting the operations of her advisory practice. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research and modeling to provide tailored, tax-smart withdrawal strategies through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Sharon Kosir Krumme is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 48 years of industry experience. She has worked at Wells Fargo since 2016 and previously at UBS Financial Services from 2005 to 2009. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Liam Fanola is a financial advisor with UBS Financial Services in Minneapolis, MN, holding Series 63 and Series 66 credentials and six years of industry experience. His work history includes roles at UBS since 2021, Alerus since 2018, and self-employment from 2015 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Bradley Harder is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise in Hanover, MN. He has been with Ameriprise and its affiliated entities since 2001. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, emphasizing managed accounts and utilizing algorithmic tools overseen by a dedicated committee.