Patrick Kulzer is a financial advisor at Gradient Securities, LLC with 28 years of industry experience. He holds a Series 66 designation and has previously worked at CRI Securities and Minnesota Life Insurance Company for 24 years, as well as at Cetera and Cetera Advisor Networks. He also owns Growth Consulting, LLC, which provides management consulting services. Gradient Securities, LLC, operating as Gradient Wealth Management, offers financial planning, consulting, non-discretionary asset management, and ERISA 3(21) retirement-plan advisory services to individuals, pension and profit-sharing plans, trusts, and business entities. The firm emphasizes a non-discretionary model and combines fundamental, technical, and cyclical analysis, often utilizing third-party managers to support client portfolios.

David Finch is a financial advisor at The Oak Ridge Financial Services Group, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Ameriprise Financial Services, Inc. for 13 years. The Oak Ridge Financial Services Group, Inc. provides investment advisory and financial planning services to individuals, trusts, estates, and institutional clients, serving both high-net-worth and non-high-net-worth households. The firm offers managed accounts and access to third-party portfolio managers through RBC Capital Markets, with most accounts managed on a non-discretionary basis and subject to periodic reviews.

Bryon Deiss is a financial advisor with Gradient Securities, LLC, holding Series 63, 65, and 66 licenses and 31 years of industry experience. His prior roles include positions at Securian Financial Services, Minnesota Life Insurance Company, and Cetera. Outside of advising, he is also a musician and vocalist who performs with the Righteous Rock Band at events several times per year. Gradient Securities, LLC (doing business as Gradient Wealth Management) provides financial planning, consulting, and non-discretionary asset management services to individuals, pension and profit-sharing plans, trusts, estates, and businesses. The firm emphasizes a non-discretionary investment approach and collaborates with multiple third-party managers, offering implementation support and ongoing client reviews.

Thomas Stoltman is a financial advisor with Brookwood Investment Group and holds Series 63 and Series 65 licenses. He has 10 years of industry experience and has worked at several firms, including Redwood Private Wealth LLC and Regal Investment Advisors. In addition to his advisory roles, he is the managing director of Redwood Tax Specialists and works as an independent insurance agent. Brookwood Investment Group is a multi-advisor registered investment adviser managing over $1 billion for more than 3,000 clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services, utilizing a variety of investment strategies and supporting negotiable advisor-level fee arrangements.

Jeffery Bird is a financial advisor with M HOLDINGS SECURITIES, Inc. in Minneapolis, MN, holding ChFC® and Series 63 credentials and bringing 39 years of industry experience. His work history includes roles at Winged Keel Group, LLC and NBW Insurance Group. Outside of his advisory work, he serves as president of Hope Farm School, an inner-city ministry focused on supporting underprivileged youth. M HOLDINGS SECURITIES, Inc. serves a broad range of clients including individuals, retirement plans, charitable organizations, and corporations through a national network of independent firms and professionals. The firm provides a variety of advisory and brokerage services, including discretionary and non-discretionary investment management, retirement plan consulting, and insurance advisory, using platform providers and sub-advisory arrangements to support its offerings.

Mark Fenlon is a CFA® charterholder with over 32 years of experience in the financial industry. He has worked at CliftonLarsonAllen Wealth Advisors, LLC since 2019, following positions at Schenck Investment Solutions, Cleary Gull Advisors, and Johnson Bank. He also serves as a principal of CliftonLarsonAllen LLP and is a non-paid board director at Collidion, Inc., a healthcare company focused on drug and medical device development. CliftonLarsonAllen Wealth Advisors provides wealth advisory and asset management services to individuals, corporations, institutions, and qualified retirement plans. The firm combines fiduciary RIA services with broker-dealer and insurance activities, employing strategic asset allocation through model portfolios and integrated multidisciplinary planning with its parent firm, CliftonLarsonAllen LLP.

Peter Hoff is a financial advisor with NorthRock Partners, LLC in Minneapolis, MN, holding a Series 65 designation and nine years of industry experience. He has been with NorthRock Partners since 2016. Hoff serves as a director of the Park Region Telephone Cooperative in Underwood, MN. NorthRock Partners provides comprehensive wealth management and advisory services to individuals, trusts, estates, retirement plans, charitable organizations, and business entities. The firm employs a tailored investment approach emphasizing broad asset allocation, diversification, and periodic rebalancing, frequently utilizing independent managers and incorporating private market allocations where appropriate.

Randy Birkinbine is a financial advisor with Ausdal Financial Partners, Inc. in White Bear Lake, MN, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Ausdal Financial Partners since 2011. Outside of his advisory role, he is involved in insurance sales and owns B & N Financial, LLC, where he provides financial planning and investment advisory services. Ausdal Financial Partners is an SEC-registered investment adviser and FINRA-member broker-dealer managing approximately $2.13 billion in assets through a network of 152 advisors. The firm offers investment advisory programs, retirement plan services, and financial planning to individuals, trusts, corporations, pension plans, and charitable organizations, combining advisory and brokerage services including insurance products.

Gerson Diaz is a Series 65 credentialed financial advisor with one year of industry experience. He is currently with Boulay Wealth and has prior experience at Ameriprise Financial and Boulay Financial Advisors. Before entering the financial industry, he worked at Twin Town Pedicabs. Boulay Wealth serves individual and high-net-worth clients, corporate retirement plans, charitable institutions, and foundations. The firm employs a model-portfolio approach focused on diversification, cost control, and after-tax outcomes, offering both discretionary and non-discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting, supported by affiliations with an accounting firm and insurance agency.

Bruce Ensrud is a financial advisor with Thrivent Advisor Network, LLC and holds Series 63 and Series 66 credentials. He has 34 years of industry experience and has worked at firms including Thrivent Investment Management Inc, Purshe Kaplan Sterling Investments, and Thrivent Financial for Lutherans. Ensrud serves on the boards of several nonprofit organizations, including Every Meal, The Collegeville Institute, and Mount Olivet Rolling Acres, providing governance and organizational strategy advice. Thrivent Advisor Network, LLC offers investment advisory services to individuals, families, trusts, estates, businesses, retirement plans, and charitable organizations. The firm emphasizes a long-term investment approach with customized asset allocations using low-cost mutual funds, ETFs, fixed-income securities, and alternative investments, supported by integration within the broader Thrivent group.

Chad Aaberg is a financial advisor with Thrivent Advisor Network, LLC, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked with Thrivent-affiliated firms since 2003, including Thrivent Financial for Lutherans and Thrivent Investment Management Inc., and has been with Thrivent Advisor Network since 2020. Outside of advisory roles, he is involved in managing an affiliated retail investment advisory firm and provides fixed insurance contract services. Thrivent Advisor Network, LLC serves individuals, families, trusts, businesses, and charitable organizations with customized investment advisory and financial planning services. The firm emphasizes long-term, tailored asset allocations using low-cost funds, fixed-income securities, and alternative investments, and is integrated within the broader Thrivent group, offering in-house investment and insurance product options alongside third-party custodians.

David Matthews is a CFP® with 21 years of experience, currently serving as a Senior Financial Advisor at Focus Financial and OSAIC since 2014. He provides financial planning and operational support to clients of David Beissler. Outside of his advisory role, Matthews is president of Appaloosa Consulting Inc., an S-Corp established for tax purposes. Focus Financial Network, Inc. is an enterprise investment adviser managing approximately $6.3 billion through a network of 118 advisors. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporate clients with a range of investment and financial planning services.

Justin Stokes is a financial advisor at Van Clemens Wealth Management, LLC in Minneapolis, MN, holding a Series 66 designation. He has experience working across various roles within Van Clemens entities since 2025 and previously spent 26 years at Cirrus Aircraft. Van Clemens Wealth Management provides investment advisory and financial planning services to individuals, trusts, estates, and institutional clients, offering customized portfolio management and retirement plan consulting. The firm utilizes a range of methods including modern portfolio theory and employs third-party managers across multiple platforms while also offering an in-house Growth Opportunities model focused on micro- and small-cap equities.

Renata Krieger is a financial advisor at Berger Financial Group with a Series 65 designation and one year of industry experience. Prior to joining Berger Financial Group, she held roles at Bethel University, Life Time Inc., Northwestern Mutual, North Central University, Western Racquet Club, and Pewaukee High School. Berger Financial Group serves individuals, high-net-worth families, trusts, estates, businesses, corporate executives, and retirement plans. The firm offers discretionary wealth management and comprehensive financial planning using long-term investment strategies developed by its Investment Committee.

Ross Middleton is a financial advisor with ON Investment Management Company, holding a Series 63 designation and 28 years of industry experience. He has worked with The O.N. Equity Sales Company since 2002 and Woodmen Acc & Life since 1996. Outside of investment advising, Middleton is also licensed as an insurance agent, selling life, disability, and fixed annuity products. ON Investment Management Company is a SEC-registered adviser providing financial planning, portfolio management, and retirement-plan advisory services to a diverse client base including individuals, families, trusts, charitable organizations, and businesses. The firm offers a combination of discretionary and non-discretionary management options and utilizes a dual-registration model integrating broker-dealer activities.

Steven Nelson is a financial advisor with Principal Advised Services in Maplewood, MN, holding Series 66 and Series 63 licenses and seven years of industry experience. His previous roles include positions at Wells Fargo Clearing Services and Coyote Logistics. He has been with Principal Financial Services and affiliated entities since 2021. Principal Advised Services provides investment advice and related services primarily to retirement plan participants and retail IRA clients, offering both non-discretionary recommendations and a discretionary, wrap-fee investment management program called SimpleInvest. The firm integrates proprietary models and third-party methodologies and operates within the Principal Financial Group family, which provides access to a range of affiliated financial products and services.

Elizabeth Odegaard is a financial advisor at 49 Financial with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley and Thrivent Investment Management. Outside of her advisory role, she is a member-owner of Broken Clock Brewing Cooperative, a local brewery in Minneapolis. 49 Financial serves a diverse client base ranging from individuals to corporations, offering services such as financial planning, investment management, and fractional family office solutions. The firm employs a disciplined, long-term investment approach based on Modern Portfolio Theory and oversees a multi-team advisory staff managing approximately $1.4 billion in assets.

Alissa Tinklenberg is a financial advisor at Focus Financial with one year of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Northwestern Mutual and Cargill Inc. Outside of her advisory role, she has been involved with Hopkins Hurricanes since 2024. Focus Financial Network serves a diverse client base, including individual investors, retirement plans, trusts, estates, charities, and corporate entities. The firm offers personalized investment advice and financial planning through various management and platform options, emphasizing coordination with other professionals for estate planning and detailed operational disclosures.

Richard Bjorklund is a financial advisor with Balefire, LLC, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include positions at VisionPoint Advisory Group, LPL Financial, and Principal Life Insurance Company. He is also a partner at Fuse Partners, LLC, which operates as VisionPoint Advisory Group. Balefire, LLC is an SEC-registered multi-team investment adviser serving individual investors, retirement plans, trusts, charities, and business entities. The firm employs a core-and-tactical investment strategy with oversight from an Investment Committee, utilizing a range of investment vehicles and sub-advisors to tailor portfolios to client goals.

Anthony Gruba is a financial advisor with Associated Investment Services, Inc. He holds Series 63 and Series 66 licenses and has 24 years of industry experience. His prior roles include positions at LPL Financial, CUNA Brokerage Services, Wings Financial Credit Union, and he was involved with Hockey iQ Academy, LLC. Associated Investment Services, Inc. provides advisory and brokerage services primarily to individual investors, as well as to small corporations, trusts, estates, and charitable institutions. The firm uses a range of model portfolio and separately managed account programs through third-party managers and its affiliate Kellogg Asset Management, delivering services mainly on a non-discretionary basis.