Anne Nienaber is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. She has been affiliated with various Cetera entities since 2002 and has also worked at First Allied Securities and Girard Securities. Outside of her advisory role, she serves as secretary for a farmland-related business, Rock’n Hills LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to multiple program structures, third-party managers, and discretionary and non-discretionary accounts.

Daniel Silva is a financial advisor with Cetera in St. Cloud, MN, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Cetera and its affiliate, Cetera Investment Services LLC, since 2018. Prior to that, he worked at Pruco Securities LLC and had a brief period of unemployment. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform that combines affiliated and third-party investment options, supported by extensive resources and a large nationwide advisor network.

Nichole Kircher is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. She has been with Cetera and its affiliated entities since 2004. Outside of her advisory role, she is involved in network marketing of health and wellness products through LSAGENIX INTERNATIONAL. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party managers across various program structures.

Andrea Kucala is a financial advisor at Cetera with four years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Northwestern Mutual, and other firms. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform that includes model portfolios and third-party managers.

Brian Thorsten is a financial advisor with LPL Financial in Foley, MN, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is involved with IFC National Marketing as a non-variable insurance agent. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Matthew Hary is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in Saint Cloud, MN. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by affiliated research and model manager options.

Zachary Mc Broom is a financial advisor with Ameriprise Financial Services in St. Cloud, MN, holding a Series 66 designation and seven years of industry experience. Prior to his current role, he worked at MidWestOne Bank from 2016 to 2018. He serves on the Board of Directors for Saint John's J-Club in Collegeville, MN. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning and tax-aware withdrawal strategies, supported by proprietary research and third-party analysis.

Anthony Watson is a CFP®-designated financial advisor with 28 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2020, and previously spent 19 years with Cetera Investment Services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits. The firm offers goal-based, holistic planning on topics such as retirement, tax, estate, and special needs planning, with an option to combine planning and managed-account services through its WealthPlan program.

Peter Mullin is a financial advisor with LPL Financial in Saint Cloud, Minnesota, holding a Series 66 designation and 18 years of industry experience. Prior to joining LPL Financial in 2011, he worked at Edward Jones from 2008 to 2011. Outside of his advisory role, Mullin is an author and serves as a planning commissioner on a nonprofit board in Rogers, Minnesota. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services delivered through a large network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Colleen Knafla is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. She has worked at several Cetera-affiliated entities since 2019 and has prior experience with Ameriprise Financial Services and other firms. Outside of her advisory role, she serves as a volunteer captain firefighter and EMT responding to 911 calls in Clear Lake, Minnesota. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers across various program structures.

Steven Pignato is a financial advisor with Cetera, holding a Series 66 designation and currently based in St. Cloud, MN. He has been with Cetera Investment Advisers since 2026 and Cetera Investment Services LLC since 2024. Prior to his advisory roles, he worked in various positions including at Carolina Beverage Group LLC - Cold Spring Brewery and Tesla Energy, and has experience in educational programs and solar energy. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a large network of over 10,000 advisors and managing more than $256 billion in assets.

Valerie Timm is a financial advisor at Edward Jones in Sauk Rapids, MN, holding a Series 66 designation. She has 27 years of industry experience, including 26 years at Old National Bank prior to joining Edward Jones in 2026. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Alexander Coulter is a financial advisor at RBC Capital Markets in St. Cloud, MN, with 12 years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2018, following prior experience at Schluchter Investment Advisors from 2013 to 2018. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Alex Doering is a financial advisor with Cetera, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Cetera, he spent three years at Midwest Machinery and eight years in full-time education. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated investment options.

Michael Swanson is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations aimed at managing income sources and withdrawal strategies.

Katherine Roos is a financial advisor with Ameriprise in Cold Spring, MN, holding a Series 63 designation and 18 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, she serves as a Plexus Ambassador, promoting wholesale nutritional supplements focused on gut health. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, using a combination of research, modeling, and tax-efficient strategies to generate non-discretionary recommendations through a centralized consulting team.

Brendon Bryan is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has worked with several Cetera entities and other firms since 2010. Outside of his advisory role, he is involved in an office cleaning business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Luke Zahm is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Naomi Kowalik is a financial advisor at OSAIC with 35 years of experience in the industry. She holds Series 63 and Series 65 licenses and has previously worked with Woodbury Financial Services, Questar Capital, and Valmark Advisors. Outside of advisory work, she is also an attorney focusing on drafting documents, wills, and estate planning, as well as an insurance agent. 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 services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Jill Bruno is a financial advisor at Ameriprise with 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2006 and holds a Series 66 designation. Outside of her advisory role, she is a distributor for Young Living Essential Oils and Herbalife, engaging in these activities on a limited basis. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations. The firm serves a broad client base through a comprehensive range of advisory, brokerage, and insurance solutions.