Connor Gradin is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. His work history includes roles at multiple Cetera entities since 2022 and prior experience at Bremer Bank and Northwestern Mutual. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement various investment strategies with access to affiliated and third-party managers.

Joseph Scharfbillig is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at LPL Financial and various Cetera entities dating back to 2007. Cetera Investment Advisers LLC serves a broad client base including 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 multi-manager platform with access to affiliated and third-party managers.

Adam Kilibarda is a financial advisor at Ameriprise with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including LPL Financial, Northwestern Mutual, and 3M. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research and algorithmic tools to deliver tailored recommendations.

Ryan Schmidt is a financial advisor with LPL Enterprise LLC, holding Series 65 and Series 63 licenses and offering eight years of industry experience. His prior roles include positions at Northwestern Mutual and Wells Fargo. Outside of his advisory work, Schmidt coaches an independent winter drumline. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm provides access to model portfolios, third-party asset management, and a range of financial products, combining adviser programs with insurance offerings and lending services.

Peter Alexander is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers and provides discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Jamie Christensen is a Series 66 licensed financial advisor with Edward Jones in Waite Park, MN, where he has worked since 2009. He has 17 years of industry experience. Outside of his advisory role, he is involved in real estate as a partner and owner of rental properties in the St. Cloud area. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sydney Hendricks is a Series 66-licensed financial advisor with Ameriprise in Saint Cloud, MN, with one year of industry experience. Hendricks has been with Ameriprise since 2018 and previously worked at Crafts Direct and District 742. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports in partnership with clients’ financial advisors.

Michael Irwin is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. He has been with Cetera Investment Services LLC since 2014. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform with discretionary and non-discretionary options.

Jacob Krippner is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and six years of industry experience. He has been with RBC Capital Markets since 2018 and previously worked at CliftonLarsonAllen and Investors Real Estate Trust. Outside of his advisory role, he serves on the committee of the Ellison Center, which provides therapy and diagnostic services, and participates on the Board of Directors for Big Brothers Big Sisters of Central Minnesota. RBC Wealth Management, a division of RBC Capital Markets, offers a range of advisory programs and services to individual investors, institutions, and charitable organizations. The firm customizes portfolio strategies based on client risk profiles, utilizing both internal and external investment managers and providing options for tax management and responsible investing.

Beau Hanowski is a Series 66-registered financial advisor at Edward Jones in St. Joseph, MN, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

James Sobania is a ChFC® and Series 66-licensed financial advisor with 23 years of industry experience. He is currently with LPL Enterprise and has worked with Prudential Insurance Company of America since 2003. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Alivia Jacobs is a financial advisor at Cetera with a Series 66 designation. She has been in the industry since 2026 and previously worked at several firms including Northstar Resource Group and David M. Jacobs & Associates Inc. Outside of finance, she has experience working at the St. Cloud Country Club and a dance center. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a large network of over 10,000 advisors and more than $250 billion in assets under management.

Devon Ramstad is a financial advisor at Ameriprise in St. Cloud, MN, holding a Series 66 designation with two years of industry experience. Prior to Ameriprise, Devon worked in various roles including positions at Rhombus Guys, Pizza Hut, and Concordia College. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice, primarily for clients with assets managed within Ameriprise accounts.

Sherry Krebsbach is a financial advisor with RBC Capital Markets in St. Cloud, MN, holding a Series 66 designation and eight years of industry experience. Prior to joining RBC Capital Markets in 2025, she spent 13 years affiliated with the Order of Saint Benedict. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, 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' advisory risk profiles.

Mark Steffes is a financial advisor with Wells Fargo Clearing in Saint Cloud, MN, holding Series 63 and Series 65 licenses and having two years of industry experience. His background includes roles at Wells Fargo Bank and Chick-fil-A, as well as time spent at Dayspring Bible College. 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 options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michelle Herickhoff is a CFP® professional with 11 years of experience in the financial services industry. She is currently with OSAIC and has previously worked at Woodbury Financial Services, Cetera Advisor Networks, CWM, LLC, and Voya Financial Advisors. Outside of her advisory role, she is a co-owner and secretary of Central MN Seeds, LLC, and serves on the board of North Fork Mutual Fire Insurance Company. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs firm-provided asset-allocation tools and various portfolio management solutions, supporting both discretionary and non-discretionary accounts.

Mason Pullis is a financial advisor with Primerica Advisors in Sauk Rapids, MN, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at 3M, Force America, and Alexandria. He is involved in sales of investment-related and home-related products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies managed by third-party asset managers.

Matthew Siers is a financial professional with Cetera, holding a Series 66 credential and four years of industry experience. His work history includes roles at North Star Resource Group and Jacobs Financial, as well as prior positions with Minnesota Life Insurance Company and Securian Financial Services. He serves as a board member of the Sartell Chamber of Commerce, where he helps organize and operate events and meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services through a multi-manager platform that includes affiliated and third-party model portfolios, discretionary and non-discretionary program options, and various custodial relationships.

Mary Olson is a financial advisor at UBS Financial Services with 26 years of industry experience. She has worked at UBS since 2006 and has been with Piper Jaffray & Co since 2004. Olson holds a Series 63 designation and is based in St. Cloud, MN. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies.

Jody Plautz is a financial advisor at Thrivent Investment Management in Saint Cloud, MN, with five years of industry experience. She holds the Series 66 designation and previously worked at Columbia Gear Corporation for 14 years. Outside of her advisory role, Plautz serves as the president and a board member of You're Not Alone, a nonprofit that uses therapy dog teams to address mental health stigma in schools. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary portfolio management.