Thomas Rippberger is a CFP® professional with 27 years of industry experience, currently affiliated with OSAIC. He has held roles at several firms, including Affiliated Advisors, Inc., Cetera Advisor Networks LLC, and AdvisorNet. Rippberger is a managing partner at Affiliated Advisors, LLC and a partner at Finanically Fluent Advisors, LLC, where he provides financial planning services. He also serves as an independent board member for Berger Financial Group and participates as secretary on his church endowment committee. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to institutional entities such as pension plans and corporations. The firm offers integrated brokerage and advisory services, employing sophisticated asset-allocation tools and third-party managed-account solutions to deliver tailored investment strategies.

Austin Zurn is a financial advisor with Morgan Stanley in Wayzata, MN, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at Bell Bank for five years. Outside of his advisory role, he is involved with Lifeworks, a nonprofit serving people with special needs. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Benjamin Brinkman is a financial advisor with UBS Financial Services in Wayzata, MN. He holds a Series 66 designation and has one year of industry experience. Prior to joining UBS, he worked at Fulcrum and held roles with the Iowa Heartlanders, the University of Notre Dame, and the University of Minnesota. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Amy Johnson is a financial professional at Cetera with three years of industry experience. She holds the Series 66 designation and has previously worked at Ameriprise and Stein Financial Group. Outside of her advisory role, she is the sole owner of two real estate rental properties. 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, financial planning, and consulting services through a large network of independent advisors and leverages multiple program structures and custodial relationships.

Lori Grams is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked at LPL Financial since 2017 and previously was with National Planning Corporation and Integrated Inc, where she continues an ongoing role dating back to 1993. In addition to her advisory work, she serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

David Cooper is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial Services, Questar Capital Corporation, Questar Asset Management, and Woodbury Financial Services. He also assists with client service activities as a paraplanner at Sandvold Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Mark Adkins is a CFP® and Series 66 licensed advisor with 26 years of industry experience. He has been with Merrill since 2003 and concurrently with Bank of America, N.A. since 2009. Merrill, together 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Wight is a financial advisor with Cetera in Minnetonka, MN, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His career includes roles at LPL Financial, VPWM Advisors, and Mill City Financial Partners, where he is currently a partner. Outside of advising, he manages Wight Brothers LLC, which holds mineral rights. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, 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.

Joseph Johnson is a financial advisor at Cetera with 34 years of industry experience. He is a Series 63 license holder and has been affiliated with Cetera and its related entities since 2013. In addition to his advisory work, he owns Johnson Advisors Limited, a financial services firm, and serves as a health insurance agent for members of the American Council of Engineering Companies. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of investment management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse program options and oversight structures.

Wendy Oldendorf is a financial advisor with UBS Financial Services in Bloomington, MN, holding Series 63 and Series 66 licenses with 35 years of industry experience. She has worked at UBS since 2006 and has prior experience with Piper Jaffray Inc., Dain Bosworth Incorporated, Byeslys, and Chip Rice BC Financial. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services such as fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Tiffany Fahnhorst is a Senior Financial Advisor at Merrill Lynch Wealth Management, focusing on personalized wealth management for individuals, families, and business owners. She advises clients on the preservation, growth, and transfer of wealth through a disciplined and relationship-driven approach, drawing on nearly two decades of experience and a multigenerational foundation in wealth management. Tiffany's career began in residential real estate development before she joined her father's wealth management practice in 2007. She partners closely with clients to simplify complex financial decisions and align strategies with their long-term goals, emphasizing disciplined planning, clear communication, and trust. She holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from the University of Colorado System. Outside of her professional work, Tiffany is involved in her community through the Edina Football Association and Our Lady of Grace Catholic Church. She also enjoys coaching football, playing tennis, volunteering at church, and spending time outdoors with her dogs.

Charles Kretschmer is a CFP® professional with eight years of industry experience, currently serving at Wells Fargo Clearing. His prior roles include seven years at First Light Asset Management LLC and two years at Ameriprise Financial Services Inc. He also has experience in academia from Saint John's University. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Josh Fussy is a financial professional with Cetera, holding a Series 66 designation and three years of industry experience. He has worked with several Cetera affiliates since 2022 and also holds a role as a client administrator at AdvisorNet Financial Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a wide range of portfolio management and retirement services through a multi-manager platform that includes both affiliated and third-party investment options.

Derek Drees is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at ADP and in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Benjamin Beuning is a CFP®-credentialed financial advisor with six years of industry experience. He currently works at Cetera and has previously been affiliated with Avantax Investment Services and RGW Wealth Management, where he has also engaged in marketing activities including PR releases and website maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management solutions, combining discretionary and non-discretionary services across multiple program structures.

Mark Stephan is a financial advisor with LPL Financial in Edina, MN, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Courtney Martineau is a financial advisor with Morgan Stanley in Wayzata, MN, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Morgan Stanley in 2025, Martineau worked at Merrill from 2021 to 2024 and UBS Financial Services from 2015 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support financial plans.

Lucas Ciabattoni is a CFA® charterholder with four years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance since 2021, following a four-year tenure at Allstate Investments. Prior to his advisory career, he attended the University of Wisconsin - Madison. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements that utilize firm-approved analytical tools.

John Dubbe is a financial advisor with LPL Enterprise in St. Louis Park, MN, holding Series 63 and Series 65 licenses and nine years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, Dubbe is involved in mortgage and real estate services through John Dubbe Realty and also solicits disability insurance business with the Eugene Cohen Agency. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers. The firm’s integrated platform combines adviser programs with brokerage and insurance product sales, supported by research and discretionary management options.

Brent Rice is a Senior Financial Advisor with Merrill Lynch Wealth Management. With a focus on personalized wealth management strategies, he helps clients navigate complex financial landscapes by understanding their full financial picture and unique goals. Brent specializes in areas including divorce transition planning, small business strategies, and retirement income. Brent holds a Bachelor's Degree from Grand View College and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He emphasizes a holistic approach to financial advising, working closely with clients to develop customized strategies that align with their long-term objectives. In addition to his professional work, Brent participates in community activities such as coaching youth baseball and is affiliated with Grace Church. His personal interests include biking, golfing, hunting, and running.