Matthew Ebaugh is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Allianz Life Financial Services, Progressive Insurance, and the National Bank of Commerce. 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 solutions grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Daniel Urshan is a financial advisor at OSAIC with 40 years of industry experience. He has previously worked at Securities America, Inc. and Securities America Advisors, Inc., and has operated Urshan Retirement Group, Inc. since 2007. Outside of advising, he is the author of a children's book titled "Where's Duke?". Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with various portfolio management options, leveraging asset-allocation tools and third-party platforms.

Thomas Berrisford is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Northview Financial Partners and Cetera Wealth Services, LLC. Outside of his advisory work, he serves as an at-large board member for Lake Park Little League in Duluth, MN. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with portfolio management, financial planning, and access to a range of investment program structures and third-party managers.

Samantha Cowley is a financial advisor with Ameriprise, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise provides retirement-income planning services for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions through affiliated entities.

Jason Rolfe is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. Outside of his advisory role, Rolfe serves as a Public Affairs Superintendent in the Air National Guard and co-owns a retail clothing business with his spouse. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory strategies, tax-efficient services, and affiliated investment products through a nationwide network of over 23,000 financial advisors.

Matthew Draeger is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services LLC. Based in Duluth, MN, Draeger also operates Viridian Wealth as a DBA for his LPL business. 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 offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Meghan Green is a financial advisor at Cetera with 11 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining Cetera, she worked for nine years at New York Life Insurance Company and NYLIFE Securities LLC. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with over $256 billion in assets under management.

James Boileau Jr. is a financial advisor with Raymond James Financial in Duluth, MN, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for the Cathedral of Our Lady of The Rosary Endowment Fund and is the owner of Lake Superior Financial Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains unique affiliations and programs to enhance its service offerings.

Ann Nygren is a financial advisor at Merrill with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Merrill since 2018, following prior roles at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Merrill 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.

Lynden Medlin is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2010. Medlin is the owner of North Land Private Asset Management, LLC, an investment-related business based in Duluth, MN. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients who meet certain net-worth thresholds.

Anna Graves is a financial advisor at OSAIC with 9 years of industry experience. She holds the Series 66 designation and has previously worked at Securities America, Inc. for 8 years. Outside of her advisory role, she is a licensed life insurance agent and a notary public. OSAIC serves a broad mix of retail and institutional clients with integrated brokerage and advisory services, employing firm-provided asset-allocation tools and third-party platforms to construct diversified portfolios across various investment vehicles.

Irina Ensign is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, INC. and various insurance carriers, alongside managing her own related business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary management, supported by research and model portfolios.

Wendy Homstad is a CFP® professional with 29 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2011. She holds Series 63 and Series 65 licenses and is based in Duluth, MN. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Oliver Kelsey is a CFP® certificant and Series 66 license holder with five years of industry experience. He is currently affiliated with OSAIC and has worked at Signature Wealth Management, Sagepoint Financial, Inc., Wipfli LLP, and the College of St. Scholastica. In addition to his advisory role, Kelsey provides tax planning and consulting services through his CPA practices and serves as a deacon of finance at Arise Church, where he oversees financial decisions. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage and advisory services along with various investment platforms and third-party solutions.

James Grymala is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, Grymala is the owner and director of Katie Layne Acres LLC, a private farming business specializing in raising cows and horses and the sale of bio-products. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, providing tailored financial planning and consulting services through a variety of investment approaches and affiliated research resources.

Eric Pitoscia is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing and Wells Fargo Bank, NA since 2012. 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. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lynnea Emerson is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2010 and holds the titles of Senior Vice President and Wealth Management Advisor. Lynnea works with individuals and families to define their financial goals and assist them in achieving those goals through planning and investment decisions. She focuses on a comprehensive approach to managing wealth, listening to clients to help them make informed decisions and develop effective strategies. Lynnea's team serves a diverse client base, offering expertise in areas including college education planning, corporate executive services, legacy planning, retirement income, and socially responsible investing. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the CERTIFIED PLAN FIDUCIARY ADVISOR® designation, along with Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. Lynnea earned her Bachelor's degree in Economics from Saint Olaf College and graduated from Duluth East High School. She is actively involved in her community, serving on the board of the Junior League of Duluth and previously holding leadership and board positions with the Duluth YMCA, Duluth YMCA Camp Miller, and the Twin Ports Women's Foundation. Lynnea resides in Hermantown with her husband, Dan, and has two college-aged children. Outside of work, she enjoys traveling, attending outdoor concerts, playing games such as disc golf and bocce, spending time with family, music, reading, and watching movies.

Dorian Hanson is a financial advisor with Morgan Stanley in Duluth, MN, holding a Series 63 designation and bringing 24 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets since 1986. Outside of finance, Hanson has worked in a non-investment-related sales role at Victoria's Secret. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutional clients, emphasizing tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both retail and institutional investment solutions.

Madeline Evanson is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Duluth, Minnesota. She joined Merrill full time in June 2018 following her graduation from the University of St. Thomas in St. Paul, where she earned a Bachelor's Degree in Financial Management. Madeline is a member of a multigenerational team serving clients across the United States, focusing on a goals-based approach to help clients navigate financial life events and transitions while reducing stress around their finances. Her expertise encompasses a range of client focus areas including college education planning, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management, and socially responsible investing. Madeline holds Series 7 and 66 FINRA registrations and professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She plays a key role in planning and business management within her team, leveraging her analytical skills alongside relationship-building to support clients in aligning their financial strategies with their goals. Outside of her professional work, Madeline is active in community organizations such as Dementia Friendly Duluth’s Victory Chorus, Fuse Duluth Leadership Council, Healing Haiti, Junior Achievement USA, and the Walk to End Alzheimer’s Executive Leadership Team. She enjoys outdoor activities including mountain biking, cross-country skiing, hiking, and teaching yoga classes locally.

Gina Hartke is a financial advisor at Ameriprise with 17 years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining Ameriprise in 2023, she worked at LPL Financial and INVEST Financial Corporation, and has been involved with Royal Credit Union. Outside of finance, she owns and operates The Beadsnest, a retail business. Ameriprise offers a retirement-income planning service focused on clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.