Tiernan Patrick Talbot is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at Goldman Sachs and Endeavr Wealth Management. Outside of his advisory role, Talbot is involved in small business ventures including Reliable RAM, LLC and an online men’s clothing sales business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Abbey D'aquila is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise Financial Services Inc. from 2015 to 2021 before joining Morgan Stanley in 2021. She has been with Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Jonathan Mouavangsou is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and four years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and U.S. Bancorp Investments, Inc., as well as earlier positions at the Mayo Clinic and various organizations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services. The firm’s integrated structure supports a large client base with multi-asset portfolios, alternative investments, and centralized custodial and operational services.

Katie Urbaniak is a financial advisor at Cetera with 21 years of industry experience. She holds a Series 66 designation and has worked at Cetera since 2023. Her prior experience includes roles at CRI Securities, LLC and Securian Financial Services, Inc. Outside of her advisory work, she has served as an assistant coach for the Edina High School girls' golf team. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform allowing advisors to implement various investment strategies with discretionary and non-discretionary options.

David Huffcutt is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Woodbury Financial Services, Inc. for 16 years before joining OSAIC. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage and investment advisory services supported by integrated financial planning and multiple advisory platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios with various asset types, managed either discretionarily or non-discretionarily.

Rosemary O'Brien is a financial advisor with Cetera holding a Series 66 designation and two years of industry experience. She has worked with various Cetera entities since 2023 and previously was with Tax & Financial Group for four years. Her background also includes roles with nonprofit organizations such as Parentis Foundation/AmeriCorps and the Boys & Girls Club of Capistrano Valley. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Holden Zinda is a financial advisor with Ameriprise in Lake Elmo, MN, holding a Series 66 credential. He has one year of experience in the industry and previously worked in various roles outside financial services, including positions at U.S. Medical Supplies, Liberty University, Walmart, and other organizations. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Thomas Manderfeld is a financial advisor with Ameriprise in Prior Lake, MN, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009 and was previously associated with Jaros & Associates. Outside of his advisory role, he is involved with Royal Ideas LLC. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Dwayne Dean is a financial advisor at Charles Schwab with 24 years of industry experience. He holds a Series 66 designation and has worked at firms including TDAmeritrade, Wells Fargo Clearing, and Wells Fargo Investments. Outside of his advisory role, he volunteers as a corporate account signer for the nonprofit Chanarambie Christian Camps. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services. The firm’s multi-asset model portfolios and centralized operations support a large client base across various wrap programs.

Brad North is a CFP® professional with 28 years of experience in the financial services industry. He is affiliated with Cetera and has held roles at multiple firms, including Ascend Financial Services, Securian Financial Services, and North Star Resource Group. In addition to his advisory work, he operates Advicelink LLC, a financial services business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

James Aman is a financial advisor at Thrivent Investment Management with 26 years of industry experience. He holds the CFP® and ChFC® designations and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning tailored to a wide range of financial topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate planning and management services.

Claire Lentsch is a financial advisor with Morgan Stanley in St. Paul, MN, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Ameriprise Financial, Teachers on Call, Intertech, and Ecolab, as well as work at the University of Minnesota and Farmington High School. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm’s planning process incorporates structured discovery conversations and approved planning tools, supporting clients with advisory services but generally excluding ERISA fiduciary responsibilities unless separately engaged.

Bjorn Miller is a CFP®-certified financial advisor with 13 years of industry experience, currently with LPL Financial since 2013. He also has a longstanding role at Northwestern College beginning in 2010. Outside of his advisory work, Miller is a law service representative for North Oaks Legal Services, Inc. and operates a home-based business selling weekly planners on Amazon and eBay. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advanced advisor tools and a broad non-advisory financial services network.

Maria Rohde is a financial advisor at Edward Jones in Eagan, MN, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked for eight years at Experience Wellness Chiropractic and six years at PF Chang's China Bistro. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of approximately 23,701 financial advisors.

Brian Bowen is a financial advisor at Osaic Wealth, Inc. with four years of industry experience. He holds a Series 66 designation and has worked at Osaic Wealth since 2022. Outside of his advisory role, Bowen operates a sole proprietorship selling life and fixed insurance products and serves as a successor power of attorney for his parents. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services supported by advanced asset-allocation tools, multiple advisory platforms, and access to third-party money managers.

Brennen Hill is a financial advisor with Ameriprise in White Bear Lake, MN, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to his current role, he worked at Mainsail Medical. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written retirement planning reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Matthew Hourigan is a financial advisor at UBS Financial Services with 11 years of industry experience and a Series 66 designation. He has been with UBS since 2014. Outside of his advisory role, he serves as head boys lacrosse coach at Cretin-Derham Hall High School and is a member of the board of directors for the charity Mile in My Shoes, which promotes community-building and wellness through running. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based 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 investment plans.

Donald Rosen is a CFP® with 52 years of industry experience. He has been with LPL Financial since 2021 and previously worked at Waddell & Reed, Inc. and various insurance carriers for over four decades. Rosen is also associated with Bear Hollow LLC, a business entity established for tax or investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers comprehensive advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Scott Augustine is a CFP®-designated financial advisor with 25 years of industry experience, currently working with Cetera in Minneapolis, MN. He has professional affiliations with several firms including North Star Consultants and Minnesota Life, and he owns Augustine Consulting, Inc. Outside of advising, he teaches a high school economics class at Aquinas Twin Cities and serves as a finance technician for the Civil Air Patrol, the U.S. Air Force Auxiliary. He is affiliated with Cetera Investment Advisers LLC, a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform featuring a range of program options and extensive custodial relationships.

Katherine Flood is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Her prior roles include four years at Ameriprise and various positions in education and family employment. She is also involved with Royal Ideas LLC, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies and operational tools.