Nathan Reineccius is a financial advisor with Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 designation. He has over 15 years of experience with Wells Fargo Bank and joined Wells Fargo Clearing in 2026. Outside of his advisory role, he has been involved in youth hockey organizations in Minnesota, serving as a general manager and evaluator for local hockey programs. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory approach integrates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kevin Gardea Quinonez is a financial advisor at RBC Capital Markets with three years of industry experience. He holds a Series 66 designation and has prior work experience at Wells Fargo Clearing and Wells Fargo Bank. Outside of finance, he worked for a year at Sports Star Photography. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Alexandra Ezaki is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked at Ameriprise Financial Services, LLC since 2020. Outside of financial advising, she is employed part-time as a massage therapist. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice.

Peter Zvanovec is a CFP® professional with 16 years of industry experience, currently affiliated with OSAIC since 2024. He previously worked at Securities America Advisors, Inc. and Securities America Inc. from 2009 to 2024. Outside of his advisory role, he is involved in insurance sales, assisting clients with coverage selection and carrier applications. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and multiple portfolio management platforms.

Marissa Agustin is a financial advisor with Cetera Wealth Services LLC in Minneapolis, MN, holding a Series 66 designation and three years of industry experience. She has previously worked at Minnesota Life Insurance Co and Securian Financial Services Inc. Outside of her advisory role, she serves as a stage manager for a high school show choir and manages events in a high school auditorium. 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, retirement services, and access to third-party managers, operating a multi-manager platform across diverse program structures.

Joel Spry is a financial advisor with RBC Capital Markets in Shoreview, MN. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. His prior work includes seven years with Wells Fargo Clearing and six years with Wells Fargo Advisors LLC. 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 wrap fee advisory programs and tailors investment strategies based on each client’s Advisory Risk Profile, utilizing both in-house and third-party managers.

Stephen Doyle is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing Services, Ameriprise Financial Services, and Merrill. Outside of his advisory role, he is involved in music creation, production, and promotion through his ownership of Bucket Exodus Publishing. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual and institutional investors. The firm offers a range of advisory programs with customizable portfolio management and integrates in-house and third-party investment resources.

Phillip Richards is a financial advisor at Cetera with over 56 years of industry experience. He holds a Series 63 license and has previously worked at Securian Financial Services, Inc. and C.R.I. Securities, Inc. Richards is also an author of multiple books and serves on several nonprofit boards, including the Mayo Clinic of Arizona Leadership Council and the Temple University Board of Trustees. Cetera Investment Advisers LLC is a national multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, allowing advisors to implement various model portfolios and customized strategies.

Kenton Ketchum is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and 21 years of industry experience. His prior work includes long-term roles at Morgan Stanley Smith Barney and Morgan Stanley & Co., as well as shorter tenures at LPL Financial LLC and Wealth Enhancement Group. He is based in Woodbury, Minnesota. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, and custody services through its Schwab Wealth Advisory wrap fee program. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Daniel Bealka is a financial advisor with Ameriprise in Lino Lakes, MN, holding a Series 63 designation and 14 years of industry experience. He has been with Ameriprise since 2011. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and supports clients through a centralized consulting team.

Alexander Johnson is a financial advisor with Wells Fargo Clearing in Minneapolis, MN. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2025. Prior to entering the financial industry, Alexander worked at Discount Tire and various community organizations. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 advisors, offering a range of brokerage and advisory solutions supported by in-house and third-party research.

Marcus Waterbury is a financial advisor with Morgan Stanley in Minneapolis, MN, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is an author and serves as a forward for a book with Bachrach & Associates, Inc. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct client planning and corporate financial planning agreements.

Max Mattila is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been part of The Mattila Wealth Management Group since 2013. He focuses on providing multigenerational financial solutions tailored to each client’s risk tolerance, time horizon, liquidity needs, and investment goals. His client expertise includes executive and equity compensation services, liquidity management, tax minimization, retirement income, and working with clients in sports and entertainment. Max earned a Bachelor of Science degree in Finance from Southwest Minnesota State University and holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He continues to advance his financial education through the College for Financial Planning. Outside of his professional work, Max enjoys following football, golfing, racquetball, reading, table tennis, and spending time with his family and friends.

Joseph Miller is a CFP® with 33 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2010. He holds the Series 63 designation and is based in St. Louis Park, MN. Miller is involved in several community and professional activities, including serving as a board member for Collaborative Divorce Professionals and as an advisory board member of the endowment fund at Glory of Christ Lutheran Church. He also volunteers with SavvyLadies Inc., providing financial education. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, providing both discretionary and non-discretionary investment solutions tailored to client objectives.

Shannon Mc Ginnis is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 65 designations and has 30 years of industry experience. She has been with Ameriprise and its affiliates since 1996. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice. The firm’s approach incorporates proprietary research and third-party data, emphasizing asset allocation, withdrawal strategies, and Social Security claiming options.

Benjamin Johnson is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding Series 63 and Series 66 licenses and six years of industry experience. He previously worked at U.S. Bancorp Investments, Inc. for six years and was involved with Shepherd of the Valley Lutheran Church for four years. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual and institutional investors, offering a range of advisory programs and portfolio management services tailored to clients’ risk profiles. The firm utilizes a combination of in-house and third-party investment managers and provides access to alternative investments, integrated lending, and cash-sweep arrangements.

Happy Perry is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 66 designation and bringing 19 years of industry experience. Perry has worked at Ameriprise and its affiliated entities since 2011. Outside of advising, Perry manages a rental property. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Nielsen is a financial advisor with Wells Fargo Clearing in Woodbury, MN, holding Series 63 and Series 65 licenses. He has two years of industry experience, including prior roles at Bank of America, Merrill, and Cbiz. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, distinguishing it from many large institutional advisers.

William Creamer is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with LPL Financial since 2010. Creamer serves as a co-trustee of a family trust for a relative, dedicating a portion of his time to this fiduciary role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

David Peterson is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise and its affiliated firms since 2015. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver non-discretionary recommendations through a centralized consulting team, focusing on clients with Ameriprise-managed accounts.