Vincent Jones is a CFP® professional with 17 years of experience at RBC Capital Markets in Duluth, MN. He has served at RBC Capital Markets Corporation since 2008. Outside of his advisory role, he is a board member of Goodwill Industries Vocational Enterprises, Inc. and participates on the University of Minnesota Duluth Labovitz School of Business & Economics Financial Markets Program Oversight Committee. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm combines proprietary and third-party investment managers and offers customizable portfolio solutions tailored to clients’ risk profiles.

Lynn Dart Nelson is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and 41 years of industry experience. Prior to joining LPL Financial in 2021, Nelson worked for Waddell & Reed, Inc. and various insurance carriers from 1985 to 2021. Nelson has been involved in insurance sales as an agent alongside advisory work throughout their career. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with a range of discretionary and non-discretionary management options supported by research and model portfolios.

Carol Taran is a financial advisor with Ameriprise in Hermantown, MN, holding a Series 66 designation and 22 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, offering written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized retirement-income consulting team in partnership with its financial advisors.

Robert Bubalo is a financial advisor with RBC Capital Markets in Duluth, MN, holding a Series 66 designation and bringing 11 years of industry experience. He has been with RBC Capital Markets since 2014 and is also affiliated with City National Bank. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Maple Village Home Owners Association and the local court of the Royal Order of Jesters, and he is a board member of the GND Development Alliance, a charitable foundation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored advisory programs combining discretionary and non-discretionary portfolio management with a range of in-house and third-party investment options.

Grace Creager is a financial advisor at Ameriprise in Duluth, MN, holding a Series 66 designation with one year of industry experience. She has prior work experience in various roles including at Perk Place Coffeehouse and the University of Minnesota-Duluth. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations, supported by a centralized consulting team and algorithmic tools.

John Lawien is a CFP® with 25 years of industry experience, currently serving at RBC Capital Markets in Duluth, MN. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2017. He serves on the Board of Directors for the St. Luke's Foundation, a hospital foundation in Duluth. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients, offering a range of advisory programs that include portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on client risk profiles and utilizes both in-house and third-party managers.

Kristin Montgomery is a CFP® certificant with 15 years of industry experience, currently affiliated with LPL Financial in Duluth, MN. Her prior experience includes roles at BELL Bank, Manifest Wealth Management, and Waddell & Reed Inc. Outside of financial services, she operates Derek Montgomery Photography, a business she has maintained since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Jade Cavallin is a CFP® professional with 13 years of industry experience, currently affiliated with LPL Financial since 2021. Prior to joining LPL, Jade worked at Anne Holy and Waddell & Reed, INC., and has held roles with various insurance carriers. Jade also maintains a notary business in Duluth, MN. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Joseph Liberty is a financial advisor with Raymond James & Associates in Duluth, MN, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, he worked at RSM US LLP and Northland Country Club. Liberty attended the University of Minnesota - Twin Cities. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, utilizing a range of portfolio management styles supported by firm research and external sub-advisers.

Daniel Maki is a CFA® charterholder and holds a Series 66 license, with 10 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2016 and Raymond James Financial Services, Inc. since 2015. Outside his advisory role, he is an employee at Ascential Wealth Advisors, where he provides investment management and financial planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools and tailored planning approaches to support client goals and maintains unique affiliations in municipal advising and employer retirement plan consulting.

Jordan Fahlsing is a financial advisor with Thrivent Investment Management, holding Series 65 and Series 63 licenses and bringing 15 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2011. Fahlsing serves as a board member at large for the Hermantown Legacy Fund, a philanthropic organization supporting community grants, scholarships, and sponsorships in Hermantown, MN. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations on a variety of planning topics. The firm’s approach separates planning from portfolio management and does not accept discretionary trading authority for its planning services.

Matthew Blake is a financial advisor with Merrill in Duluth, Minnesota. He holds a Series 66 designation and has six years of industry experience. His prior work includes roles at UBM and MJH Associates. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ryan Geris is a Wealth Management Advisor with Merrill Lynch Wealth Management, operating as part of The Yung Geris Group. He joined Merrill in 2008 and focuses on delivering comprehensive financial services tailored to his clients' needs. His team emphasizes building long-term relationships based on listening, understanding, and mutual accomplishment, leveraging the resources of Merrill Lynch and Bank of America. Ryan's areas of expertise include college education planning, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He holds a Bachelor's Degree from the University of Minnesota Duluth, where he also played men's hockey from 2002 to 2007. Ryan is actively involved in his community, serving as a board member of the Beck Foundation and Northwoods Children's Services, and has previously coached the Duluth Denfeld High School hockey team. Outside of work, his interests include biking, boating, camping, football, golfing, ice hockey, photography, running, spending time with family, and yoga.

Benjamin Kneeland is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds a Series 66 credential and previously worked at Morgan Stanley and Morgan Stanley Private Bank. In addition to his advisory role, he serves as a licensed peace officer with the Proctor Police Department, providing security for major city events. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and various organizations. The firm offers financial planning and consulting services supported by nationwide advisers and a range of portfolio management styles.

Brian Liberty is a financial advisor with Raymond James & Associates in Duluth, MN, holding Series 63 and Series 65 registrations and bringing 36 years of industry experience. He has been with Raymond James since 2006. Outside of advising, he serves on a local steering committee evaluating the potential reopening or redevelopment of a city golf course property for community use. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutions, and various organizations with tailored financial planning and non-discretionary investment consulting, drawing on a range of portfolio management styles and affiliated research.

Kyle Tomaich is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and 15 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2011. Outside of his financial advisory role, he serves as an assistant coach for the Duluth East softball team. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk management, and specialized areas such as business-owner transition and sports and entertainment planning.

Neill Atkins is a financial advisor at Cetera with 45 years of industry experience. He holds a Series 63 designation and has been with Cetera since 2013. Outside of his advisory role, Atkins hosts a weekly talk radio show focused on current events and politics and serves on the board of several veterans organizations, including Veterans United for Freedom and the Zenith City American Legion Post 28. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting a range of program structures and client needs.

Sarah Wildes is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, following an 11-year tenure at Trillium Services Inc. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jordan Urshan is a CFP® professional with 16 years of industry experience. He has been with OSAIC since 2024 and previously worked for Securities America Inc and Securities America Advisors from 2010 to 2024. Outside of advising, he acts as an agent for fixed insurance products through Urshan Retirement Group, Inc., and serves as a notary public. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and advisory services. The firm employs a variety of asset-allocation tools and third-party platforms to construct and manage portfolios tailored to client needs.

Lukan Hanson is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked with several financial services firms, including Sellwood Partners and Advisornet Financial. Outside of advising, he works as a bartender at Ridgeview Country Club. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program structures and access to third-party managers.