Timothy Meyer is a CFA® charterholder with 23 years of experience in the financial services industry. He currently works with Cetera and also serves as a financial professional at North Star Resource Group. Previously, he held roles at Securian Financial Services, Allianz Life, and CRI Securities. Outside of his advisory work, he was involved in the Bishops Cuts and Color franchise for five years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform that includes both affiliated and third-party managers.

Chelsea Spande is a financial advisor at Cetera with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2023, following nearly a decade at Securian Financial Services Inc and Minnesota Life Insurance Company. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm provides various portfolio management and financial planning services through a multi-manager platform offering both discretionary and non-discretionary program options.

Valerie Ralph is a financial advisor at Ameriprise in St. Paul, MN, holding Series 66 and Series 63 licenses with five years of industry experience. Her prior experience includes roles at Wells Fargo Bank and Wells Fargo Clearing Services, as well as a 12-year tenure at Edward Jones. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It provides a specialized Premier Retirement Income service focused on retirement income planning with written Recommendation Reports and ongoing advice.

Keith Vandell is a financial professional with 28 years of industry experience, currently associated with Cetera. He holds a Series 63 designation and has previously worked with Securian Financial Services, Inc. and Minnesota Life. Vandell is also a partner in Waypoint Wealth Group LLC and engages in fixed insurance sales through North Star Consultants. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Erika Granowski is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has previously worked in various roles outside the financial industry, including positions at Free People and the University of Wisconsin-Madison. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Darin Brommer is a financial advisor with Wells Fargo Advisors and holds a Series 66 designation. He has 14 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of his advisory work, he co-owns a catering and fine woodworking business with his spouse. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning services and investment solutions, using proprietary research and tools to develop tailored recommendations.

John Mead is a financial advisor with Edward Jones in Lake Elmo, MN, holding a Series 63 designation and 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, Mead serves on the Lake Elmo Old Village Office Condo Association board and is president of CJM Office Holdings LLC, a commercial property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Shayna Boyle is a financial advisor with Primerica Advisors in Woodbury, MN, holding Series 63 and Series 65 credentials and two years of industry experience. She has been with Primerica Advisors since 2023 and Primerica Financial Services since 2022. Outside of her advisory role, she is involved with Wings Homeschool, Instacart, Lifetime Fitness, and the YMCA. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

William Style is a financial advisor with Morgan Stanley in St. Paul, MN, holding the CFP® designation and Series 63 and 65 licenses, with 27 years of industry experience. He has been with Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary market models to support client financial plans.

Emma Monk is a CFP® professional affiliated with Osaic Wealth, Inc. She has three years of industry experience and has previously worked at Woodbury Financial Services Inc. and GT Financial Advisors LLC. Outside of finance, she is involved with the City of Roseville as a Zamboni driver and facility manager at the Roseville Skating Center. Osaic Wealth, Inc. serves a broad range of clients, including individual investors, pension plans, and corporations, through a large network of financial advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage diversified portfolios that include various investment vehicles.

Samantha Pilacinski is a financial advisor at LPL Financial with two years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at True Vision MN LLC, QBE North America, and Charles Schwab. 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 advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Andrew Vincelli is a financial advisor at UBS Financial Services with 10 years of industry experience and holds a Series 66 designation. He has been with UBS since 2015. He serves on the Board of Directors for the Rotary Club of St. Paul, a volunteer organization focused on local and international charitable efforts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Ann Cirullo is a financial advisor with Merrill in Stillwater, MN, holding Series 63 and Series 65 designations and 12 years of industry experience. She has worked at Merrill since 2013 and was previously associated with Morgan Stanley Smith Barney. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nathan Johnson is a financial advisor with LPL Financial in Woodbury, MN. He holds a Series 66 designation and has two years of industry experience, including his current role at KMF Advisors, a DBA for LPL Financial. Outside of his advisory work, Johnson is involved in tax preparation through Law Tax and Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and technology solutions.

Douglass Paine is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. He has worked at multiple Cetera affiliates since 2023 and was previously self-employed as a real estate agent and broker for 11 years. He serves as secretary and board member of the River Hills Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of investment program options and oversees more than $256 billion in assets.

Magdalena Zborowski is a financial advisor at Robert W. Baird & Co. with eight years of industry experience. She holds a Series 66 designation and has worked at Baird since 2019, following four years at Bank of America, N.A. She is also an owner of rental properties in Minneapolis and Poland. She is part of the DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The team offers customized financial planning and portfolio management services, utilizing a variety of strategies and managers tailored to client goals and risk tolerances.

Gordon Bentley Jr. is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. He has been with Bank of America, N.A. and Merrill since 2016. Bentley serves as a board member of the Down Syndrome Foundation and is a committee member for Minnesota Valley Young Life, both nonprofit organizations. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Stephen Weber is a financial advisor at UBS Financial Services in Minneapolis, MN, with 28 years of industry experience. He has been with UBS since 1999 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, leveraging proprietary capital market assumptions and research from UBS Global Research to tailor client solutions.

Ronald Click is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with RBC Capital Markets since 1998. Outside of his advisory role, he is a 15% owner of a private company named paralab eau Claire Wi. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Jennifer Olson is a financial advisor with Morgan Stanley in Stillwater, MN, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank since 2011. Outside of her advisory role, she is involved in owning rental property and leasing farmland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services alongside various investment and brokerage activities.