J Hess is a Certified Financial Planner (CFP®) with 20 years of experience in the financial services industry. He has been affiliated with Wealth Enhancement Advisory Services, LLC since 2011 and has prior experience at LPL Financial, LLC and Wealth Enhancement Brokerage Services, LLC. In addition to his advisory role, he participates occasionally as a guest on the WEG Your Money radio program. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach overseen by an internal Investment Committee.

Richard Ramsay is a financial advisor at J.W. Cole Advisors, Inc. with 31 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Prior to joining J.W. Cole Advisors in 2017, he spent over four decades with Sii Investments, Inc./Ramsay Financial Advisers, LLC. Outside of his advisory role, Ramsay serves as treasurer and board member of a Christian Science church and participates on the Rotary District Grant Committee. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, employing discretionary and non-discretionary strategies supported by fundamental and technical analysis as well as digital advice platforms.

Joseph Marrs is a financial advisor at Empower Advisory Group with 26 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior positions include roles at Advised Assets Groups, LLC, GWFS Equities, Inc., Alight Financial Advisors, and LPL Financial, LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage clients. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Justin Herzog is a financial advisor at &Partners with 26 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Wells Fargo Investments. Herzog has been with &Partners since 2023. &Partners serves a diverse range of clients, including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management, financial and tax planning, and other services using both discretionary and non-discretionary approaches, supported by fundamental, technical, and quantitative analysis.

Jay Cavanagh is a financial advisor at Kestra Advisory with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with Kestra Advisory Services since 2016. Cavanagh also serves as a partner at The KNW Group and holds a senior vice president position at NFP, engaging in investment advisory services and business management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors as well as institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan-level investment advice, and advisor-managed accounts, serving clients that include large institutional investors such as sovereign wealth funds.

Ellan Howley is a CFP® professional with eight years of industry experience, currently serving at Savant Wealth Management since 2025. Prior to joining Savant, she worked for PrairieView Partners, LLC from 2016 to 2025. Outside of her financial advising career, she is a freelance French horn player, a pursuit she has maintained since 2007. Savant Wealth Management provides comprehensive wealth management, portfolio management, financial planning, and family office services to individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients. The firm combines evidence-based, model-driven asset allocation with actively managed strategies, supported by affiliated accounting, legal, and trust services.

Sarah Geiger is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and nine years of industry experience. She has been with Wealth Enhancement Advisory Services and its affiliated entities since 2015, including a ten-year tenure with LPL Financial, LLC. Outside of her advisory role, she is a notary. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a broad range of clients, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Michael Paone is a financial advisor at Wells Fargo Investment Institute, Inc. with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at RBC Wealth Management and Piper Jaffray & Co., as well as running a custom woodworking business. Wells Fargo Investment Institute provides institutional research, manager due diligence, model portfolio construction, and asset-allocation guidance to Wells Fargo wealth and fiduciary businesses and select external clients. The firm delivers research and model guidance across specialized divisions without exercising investment discretion or holding custody of client assets.

John Mowery is a CFP® professional with 14 years of industry experience, currently serving at Mercer Global Advisors Inc. His prior experience includes roles at JP Mowery Wealth Advisors, LLC dba BrightPoint Planning, O'Brien and Associates, Inc., and Trademark Financial Management. He is an Investment Committee Member for Ronald McDonald House Charities - Upper Midwest. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a range of investment solutions alongside financial and retirement planning, tax support, and estate-planning coordination.

Tiffany Glidden Rude is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her career includes roles at Merrill and LPL Financial, alongside her current tenure at Wealth Enhancement Advisory Services since 2017. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network, employing a diversified investment approach that blends passive and active strategies overseen by an internal Investment Committee.

Rick Peterson is a financial advisor with Principal Financial Services in Lake Elmo, MN, holding Series 63 and Series 65 licenses and 12 years of industry experience. His work history includes roles at Principal Securities and Principal Life Insurance Company since 2014, as well as at Atlas Wealth & Retirement and CSP & Associates beginning in 2024. In addition to advisory services, he is involved in outside insurance activities covering long-term care, disability, fixed life insurance and annuities, health, medical, and supplemental insurance. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm’s advisory approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Nicholas Kvamme is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP® and Series 66 credentials and bringing 20 years of industry experience. He has worked with multiple entities within the Wealth Enhancement network since 2007. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network, employing a diversified investment approach that blends passive and active strategies overseen by an internal Investment Committee.

Daniel Stolfa is a CFP® professional with 15 years of industry experience, currently advising at Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Evercore Wealth Management, CCG Wealth Management, and Merrill, among others. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active strategies, supported by an internal Investment Committee.

Kathleen Kempson is a CFP® professional with one year of industry experience, currently serving as an advisor at Kestra Advisory. She has previously worked with Wealthspire and WEA Member Benefits and holds the Series 66 designation. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Lars Engman is a financial advisor at J. W. Cole Advisors, Inc. with two years of industry experience. He holds the Series 66 designation and has worked in various roles including at J.W. Cole Financial, Inc. and One Source Virtual prior to joining J. W. Cole Advisors. He is also a partner at New Horizons BFS LLC, where he provides investment advice and financial planning services. J. W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms for individuals, high-net-worth clients, and institutional accounts. The firm uses a variety of investment strategies and digital advice tools to implement client solutions.

Gavin Burnham is a financial advisor at Cetera Planning Partners with 12 years of industry experience. He holds a Series 65 designation and has worked previously at Honkamp Krueger Financial Services and Olsen Thielen & Co. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with investment management and comprehensive financial planning services. The firm emphasizes diversified portfolios aligned with client objectives and risk tolerance, and offers additional services including tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Amanda Parsons is a CFP® and holds a Series 65 license with five years of industry experience. She is currently with Savant Wealth Management and previously worked at Prairieview Partners, Christianson PLLP, and MD Financial / Vestment Financial, among others. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management, portfolio management, financial planning, retirement plan consulting, and family office services. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and sub-advised mandates, supporting a broad range of investment approaches overseen by an investment committee.

Michael Velin is a CFP® professional with 16 years of experience, currently serving at Kestra Advisory. He has been with Kestra since 2010, holding roles in both Kestra Advisory Services and Kestra Investment Services. Outside of his advisory work, he is the head coach for the boys varsity soccer team at Mounds Park Academy in St. Paul, MN. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and offers multiple management platforms and pooled plan solutions.

Rachele Schlottman is a financial advisor at Wealth Enhancement Advisory Services, LLC with 2 years of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial, Alerus Financial, and First National Bank of Omaha. In addition to her advisory role, she is a commissioned notary public. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm employs a diversified, risk-class based investment approach that combines passive and active managers and offers multiple program options through a large advisor network.

James Ganger is a financial advisor with OSAIC Institutions, Inc., holding a Series 63 designation and 36 years of industry experience. His prior work includes roles at Infinex Investments, Inc. and Securities America Advisors. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a focus on delegated investment management.