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Heidi G

Series 66

Marine on St Croix, MN

Edward Jones

Heidi Gemuenden is a financial advisor at Edward Jones with 19 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Retirement income strategy General retirement planning Wealth management ESG / Sustainable investing Retired Founder/Business Owner Executive
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Anthony W

Series 66

Minneapolis, MN

Cetera

Anthony Wilson is a financial advisor with Cetera, holding a Series 66 credential and 18 years of industry experience. His career includes roles at Commonwealth Financial Network, Lincoln Financial Advisors Corporation, and Ryan Financial Group, where he continues to work as a financial planner. Outside of advisory work, he serves as Vice President of the Hibbing Curling Club. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, including access to third-party money managers and various program structures.

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive
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Tiffany C

Series 66

Arden Hills, MN

Ameriprise

Tiffany Castor is a financial advisor with Ameriprise in Arden Hills, MN, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise since 2019 and has held various roles in both financial services and other sectors, including positions at Pawn America and Anoka Technical College. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Rebekah S

Series 66

Woodbury, MN

Edward Jones

Rebekah Stavne is a financial advisor at Edward Jones with Series 66 credentials and three years of industry experience. Prior to joining Edward Jones, she was involved with Substance Church and operated Stavne Media. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management supported by a nationwide network of over 23,000 financial advisors. The firm offers a range of advisory and investment strategies under a fiduciary standard, alongside affiliated capabilities such as a trust company and proprietary mutual funds.

Retirement plans for business owners (SEP, solo 401k) Business ownership considerations Early retirement planning Founder/Business Owner Women Professionals Widow/Widower
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Ann W

CFP®, Series 63

Minneapolis, MN

Cetera

Ann Wengronowitz is a CFP® professional with 43 years of industry experience, currently affiliated with Cetera. Her prior experience includes long tenures at Securian Financial Services, Inc. and CRI Securities LLC, as well as involvement with North Star Consultants and Minnesota Life Insurance Company. Outside of her advisory role, she serves on the fundraising committee of the Minnetonka Rotary Foundation and has held leadership positions on nonprofit boards. Cetera Investment Advisers LLC provides investment advisory services through a large national network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with access to multiple program platforms and an expansive suite of affiliated product partners.

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive
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Randy P

Series 63, Series 65

Hudson, WI

LPL Financial

Randy Penkwitz is a financial advisor with LPL Financial in Hudson, WI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has previously worked with Investment Centers Of America, Inc. and has been associated with both LPL Financial and GWM Advisors, LLC (doing business as CPR Wealth Advisors) since 2017 and 2018, respectively. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party investment research.

College savings (529s, UTMA, etc.)
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Brian S

CFP®, Series 66

Hudson, WI

Ameriprise

Brian Soley is a CFP® with 18 years of experience currently serving as a financial advisor at Ameriprise in Hudson, WI. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, Soley assists as a non-paid teaching assistant for Finance 429 at the University of Wisconsin-Eau Claire. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Cam M

Series 63, Series 65

Lake Elmo, MN

Cambridge Investment Research Advisors

Cam Mader is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He joined Cambridge in 2017 after working at Sii Investments from 2015 to 2017. Mader is also president of Mader Wealth Inc. and serves as an independent insurance agent for various agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, and trusts with financial planning, investment management, and retirement plan advisory services. Its offerings include direct portfolio management, model-based solutions, and access to proprietary and third-party strategies delivered through a nationwide network of independent financial professionals.

Wealth management Retirement plans for business owners (SEP, solo 401k) Retirement income strategy Annuities Self-Employed
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John R

Series 63, Series 65, Series 66

Oakdale, MN

Fidelity

J.R. Ryder is a Vice President Financial Consultant at Fidelity Investments, a position he has held since 2019. He brings over 25 years of experience in the financial services industry, specializing in wealth planning and helping clients navigate uncertain markets. His approach involves identifying risks and developing strategies to simplify clients' financial lives through unbiased financial planning and education. Prior to his current role, J.R. served as Branch Office Manager at TD Ameritrade from 2018 to 2019 and at Scottrade Financial Services from 2000 to 2018. He began his career as a Financial Consultant with Morgan Stanley Dean Witter in 1998, continuing in similar roles with Scottrade Financial Services until 2000. Outside of his professional life, J.R. has interests that include boating, football, social events with friends, spending time at the lake, caring for pets, and traveling.

Wealth management
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Timothy H

Series 66

Stillwater, MN

RBC Capital Markets

Timothy Hansen is a financial advisor with RBC Capital Markets in Stillwater, MN, holding a Series 66 designation and 25 years of industry experience. He has worked at RBC Capital Markets since 2008 and also serves at City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, with investment strategies tailored to each client’s risk profile and implemented through a mix of in-house and third-party managers.

Tax-loss harvesting ESG / Sustainable investing Private / alternative investments Concentrated stock management Wealth management Executive Founder/Business Owner Retired Financial Professional Approaching retirement HENRY (High Earners, Not Rich Yet)
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Gideon N

Series 66

New Brighton, MN

Thrivent Investment Management

Gideon Ngobi is a financial advisor with Thrivent Investment Management in New Brighton, MN, holding a Series 66 designation and five years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2020 and was previously involved with the Hope Institute of Uganda for 12 years. Outside of his advisory role, he has experience managing rental properties. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across a range of financial topics, with services that can be combined with managed accounts under a consolidated billing option called “WealthPlan.”

Business ownership considerations
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Patrick S

Series 65

Stillwater, MN

XYPN Sapphire

Patrick Schulte is a financial advisor at XYPN Sapphire with a Series 65 credential and one year of industry experience. He previously worked at Wanderer Financial LLC for nine years and joined Rudder Financial a year ago. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm follows a long-term, risk-based investment approach informed by Modern Portfolio Theory and offers services including discretionary portfolio management, integrated financial planning, and a pilot digital-asset management program.

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Brian M

Series 63

Woodbury, MN

XYPN Sapphire

Brian Muller is a financial advisor at XYPN Sapphire with 29 years of industry experience. He holds a Series 63 designation and has previously worked at Edward Jones and Total Wealth Advisors, LLC. Outside of his advisory role, he serves as Executive Director of the Amie Muller Foundation, a nonprofit supporting families affected by pancreatic cancer. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans, with an emphasis on long-term, risk-based allocation using diversified portfolios. The firm supports affiliated advisors through centralized back-office and compliance services and offers unique programs in digital-asset management.

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