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.

Mason Schuler is a financial advisor at LPL Financial in Maple Grove, MN, holding Series 66 and Series 63 credentials with one year of industry experience. Prior to joining LPL Financial, he worked in various roles including marketing and financial services. He is also the business owner of Schuler LLC, an unrelated venture outside the investment industry. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset managers, and institutional platforms.

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 in Wayzata, MN, holding Series 65 and Series 63 licenses and with 10 years of industry experience. His prior experience includes five years at Ameriprise Financial Services, Inc. before joining Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. in 2021. Charles Schwab & Co., Inc. serves mainly high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary portfolio management using multi-asset model portfolios and offers integrated custody, brokerage, and advisory services across a broad client base.

Jian Yang is a CFP®-certified financial advisor at Edward Jones with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

John Gutowsky Jr. is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation 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 serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

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 23 years of industry experience. She holds the Series 66 designation and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

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® with 11 years of industry experience, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial from 2015 to 2023. Kvittem is also involved in insurance sales and servicing through a sole proprietorship and holds a leadership role as Vice President/Treasurer of EKE LLC, which manages business funds for affiliated advisors. OSAIC Wealth, Inc. serves a broad client base including retail and institutional investors, offering integrated brokerage and advisory services. The firm employs a variety of investment tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

Jennifer Hicks is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, previously serving at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. She is based in Wayzata, MN. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both discretionary and non-discretionary services tailored to plan objectives and demographics.

Carol Sullivan is a Series 66-licensed financial advisor with 16 years of industry experience. She has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Outside of her advisory role, she operates a sole proprietorship in the advertising specialty and promotions business, servicing existing customers. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option.