Adam Broich is a financial advisor with Ameriprise in Rochester, MN, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its related entities since 2013. Outside of his advisory role, he is a registered team member at BDLR Group, Inc., where he manages an advisory business. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, providing personalized recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these services, emphasizing holdings in Ameriprise Managed Accounts and utilizing algorithmic automation overseen by a dedicated team.

Kaitlyn Monson is a financial advisor with Ameriprise in Rochester, MN, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. 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 clients approaching or in retirement with written recommendation reports and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies.

Bennet Baker is a financial advisor with Ameriprise in Rochester, MN, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2021, he worked at Hydrite Chemical Co. and South Dakota State University. Outside of his advisory role, he is a co-owner of Excelsior Snow Removal LLC. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, offering detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm serves a broad client base through a range of advisory, brokerage, and insurance solutions.

Richard Flack is a financial advisor with Merrill in Rochester, MN, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has worked at Merrill since 1984 and has also been associated with Bank of America since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Thieke is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 63 designation and has worked at OSAIC since 2018, previously spending two years with Signator Investors and over two decades with Advanced Financial. Outside of finance, he owns and operates a small kennel where he trains and raises bird dogs. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services through a large network of affiliated financial advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a wide range of investment vehicles.

Earl Helder Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with high net worth clients to help them achieve their long-term financial goals, focusing on wealth management through goals planning and asset allocation to implement strategies designed for successful asset management and retirement planning. Earl joined Merrill Lynch Wealth Management in 1995 after earning a B.S. in Finance and a B.A. in Economics from Winona State. He has earned the Chartered Financial Consultant® (ChFC), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA) designations. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional role, Earl has personal interests in biking, chess, hiking, ice hockey, music, racquetball, reading, spending time with his family, traveling, and watching movies.

Kari Douglas Ehleringer is a financial advisor with Ameriprise, holding CFP® and ChFC® designations and 25 years of industry experience. She has been with Ameriprise and its related entities since 2002. Ehleringer serves on the Board of Directors for the Breast Cancer Support Network in Rochester, MN. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver personalized, non-discretionary recommendations.

Jeffrey Bigler is a financial advisor with OSAIC based in Rochester, MN, holding the ChFC® and Series 63 designations with 38 years of industry experience. He has held roles at Royal Alliance Associates, Signator Investors, Advanced Financial Consultants, and JADCO, among others. Outside of his advisory work, Bigler serves as a board member of The Chris Norton Foundation and the Diocese of Winona Rochester, and he is treasurer of the Fortuniare Foundation. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a wide network of affiliated advisers. The firm offers integrated brokerage and advisory services with portfolio management supported by asset-allocation tools, third-party money managers, and program platforms.

Donald Christenson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Cetera and its affiliates since 2013 and is also involved with Mayo Employees FCU. Outside of his advisory roles, Christenson serves as president of the KM Drama Boosters, a local drama club. 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 variety of investment program options and supervises assets across several custodial relationships.

Constance Williams is a financial advisor at Ameriprise with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Ameriprise and other firms including LPL Financial and Wealth Enhancement Group. Outside of advising, she is involved with Ikigai Operations LLC, where she provides leadership and client service support, and serves on the board of directors for Forever Pathways. She also volunteers to facilitate Financial Peace University classes. 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 written Recommendation Reports and ongoing retirement-income planning focused on dependable income and tax-aware strategies.

Randal Johnsrud is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Waddell & Reed and Robert Reynolds. Outside of his advisory role, he is involved in non-variable insurance activities through RoundTable Wealth Partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Steven Gifford is a financial advisor at Robert Baird & Co. with seven years of industry experience. He holds a Series 66 designation and has worked at Baird since 2022, following nearly three decades at Wells Fargo Bank and a brief period with Wells Fargo Clearing. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a variety of financial planning, portfolio management, and brokerage services, utilizing manager-traded and model-traded strategies alongside internal research and technology tools.

Toby Hatlevig is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping clients build, preserve, and transfer wealth through tax-efficient strategies, focusing on paying taxes once rather than repeatedly over time. Toby works closely with clients to understand the motivations and priorities behind their financial decisions, aiming to develop personalized strategies that align with their long-term goals. His areas of expertise include investment management, retirement planning, and customized wealth strategies, serving client needs from family wealth management and legacy planning to LGBT wealth planning and tax minimization. Toby holds a Bachelor's Degree from Gustavus Adolphus College and is a Personal Investment Advisor (PIA). He emphasizes building meaningful, long-term relationships with clients to provide guidance that evolves with their changing needs. Outside of his professional role, Toby prioritizes spending time with his wife Janelle and their two children, centering his personal life around family and valuing time as the most important currency.

Matthew Hogan is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Stifel since 2009. He is based in Rochester, MN, and holds Series 63 and Series 66 licenses. Outside of his advisory role, Hogan participates in community finance activities, including serving on the finance committee for the Rochester Senior Citizens Center and as a member of the finance council for the Church of St. John. Stifel serves a diverse client base, including individual, institutional, and charitable clients, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Nicholas Forliti is a CFP® with 19 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He has been with Ameriprise Financial Services, Inc. since 2007. Outside of his advisory role, Forliti is involved in pro-bono work through the Angel Foundation, assisting families affected by cancer with financial challenges. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies through its Premier Retirement Income service.

Todd Ustby is a financial advisor with LPL Financial in Rochester, MN, holding the Series 63 designation and with 33 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he has been involved in building houses and serves in a fiduciary capacity for The Charles Rocca Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Gary Reiland is a financial professional with 10 years of industry experience, currently with Cetera in Rochester, MN. He holds a Series 66 designation and has prior experience with Mayo Employees Federal Credit Union and a more than three-decade tenure at Mayo Clinic. Outside of his advisory role, he is involved in selling fixed insurance products including life insurance, annuities, and long-term care. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and various program structures, supported by a network of over 10,000 advisors and managing approximately $256 billion in assets.

Michael Vanstraaten is a financial advisor at Stifel with 21 years of industry experience. He has been with Stifel since 2009 and holds a Series 66 designation. Outside of his advisory role, he is involved in a family farm business that sells meat directly and participates in managing recreational land used for hunting and beekeeping. Stifel serves a wide range of clients including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group, providing clients with asset allocation and planning guidance.

Kevin Wadley is a CFP® and Series 66 licensed financial advisor with 11 years of industry experience. He has been with Edward Jones since 2014, based in Rochester, MN. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs and separately managed accounts, and operates under a fiduciary standard while managing approximately $1.01 trillion in assets.

Scott Dewitz is a ChFC® credentialed financial advisor with Ameriprise, based in Oronoco, MN, and has 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, delivering these services through a centralized retirement-income consulting team working alongside financial advisors.