Ryan Flaten is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. In this role, he works with clients to navigate the opportunities and responsibilities that come with accumulated wealth and complex financial lives. Ryan approaches financial planning with a focus on listening, understanding the full picture, and helping clients bring structure to important decisions as their lives evolve. Ryan has 15 years of experience in financial services, including roles as a Financial Consultant at Fidelity Investments (2016-2018), a Retirement Income Specialist at Ameriprise Financial (2014-2016), and a Financial Consultant at Ameriprise Financial (2011-2014). He is a CERTIFIED FINANCIAL PLANNER™ professional. Outside of his professional work, Ryan enjoys boating, comedy, family activities, fishing, golf, and reading.

Richard Dunn is a CFP® professional with 23 years of industry experience, currently with Cetera. His prior roles include positions at Avantax and Osiac Wealth, and he has been principal financial planner and member of Dunncreek Advisors LLC since 2013. Outside of advisory work, he serves as president of the White Bear Avenue Business Association, a nonprofit supporting community development projects in Saint Paul, MN. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers.

Daniel Fouberg is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. Outside of his advisory role, he is involved as the statutory agent for a corporation that transacts life insurance and fixed annuity sales and serves as a general partner in a family partnership. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, using asset-allocation tools and automated rebalancing to manage portfolios that may include a range of investment types.

Jack Murphy is a financial advisor at Ameriprise in Edina, MN, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Northwestern Mutual and Inland, as well as operating B&B Landscaping and Snowplowing LLC. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers a wide range of advisory, brokerage, and insurance solutions through its institutional platform.

Wolfgang Hilse is a financial advisor with Equitable Advisors in Minneapolis, MN, holding a Series 66 designation and 12 years of industry experience. He has worked at Equitable Advisors since 2014 and was previously associated with Axa Advisors, LLC. Outside of his advisory role, he serves as a board member of the Gracelyn Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Larry Nielsen is a financial advisor with RBC Capital Markets in Edina, MN, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at RBC Capital Markets since 2011 and is also affiliated with City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, tailoring strategies through both in-house and third-party managers according to each client’s risk profile.

Royal Jaros is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. for 30 years. He co-owns two tax preparation firms and serves on the Board of Directors for Mental Health Minnesota. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Jacobson is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2002 to 2020. Outside of his advisory role, he is involved in property rehabilitation through ownership of RayBill Properties, LLC. Ameriprise is a large institutional firm that provides retirement-income planning services primarily for individuals with significant investable assets. The firm employs a centralized consulting team that delivers non-discretionary, research-driven recommendations, combining modeling and tax-efficiency analysis to support clients’ retirement strategies.

Dominique Jones is a financial advisor at Morgan Stanley in St. Paul, MN, holding a Series 66 designation and with one year of industry experience. Prior to joining Morgan Stanley, Jones worked at Target Corporation for two years and has a background in education from the University of Cincinnati and Westland High School. 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 structured discovery and proprietary tools.

Laura Feintech is a financial advisor at Morgan Stanley in St. Paul, MN, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley in 2021, she worked for the U.S. Department of State for 14 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning that incorporates structured discovery discussions and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Joel Kozlak is a financial advisor with RBC Capital Markets in Edina, MN, holding a Series 66 designation and 19 years of industry experience. He has worked at City National Bank and Bank of America, in addition to his current role at RBC Capital Markets. Outside of his advisory work, he is actively involved in managing a personal rental property. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing a combination of in-house and third-party investment managers tailored to clients’ risk profiles.

Denise Rohrick is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2023, she spent 10 years at UBS Financial Services, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by proprietary tools and market scenario modeling.

Gaylen Harms is a CFP® and ChFC® with 43 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at multiple firms, including Securian Financial Services and North Star Consultants, where he has been active since 1983. Harms serves as a director on the board of Walker Methodist and as treasurer and finance chair for Wolf Ridge ELC. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, managing over $256 billion in assets. The firm offers a range of portfolio management and consulting services to individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform.

Phillip Heles is a financial advisor at Edward Jones in Chanhassen, MN, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. 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 large network of financial advisors and branch offices nationwide.

Raymond Elderd III is a financial advisor with Equitable Advisors in Prior Lake, MN, holding a Series 66 credential and eight years of industry experience. His prior work includes roles at First Command Advisory Services, Inc., and Brocade Communications Inc., as well as a 34-year career in the US Army and Army Reserve. Outside of advising, he serves as president of a homeowners association and treasurer for the Minnesota Chapter of the Military Officers Association of America. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, using a hybrid referral and implementation model.

Adam Rice is a financial advisor at Ameriprise with 12 years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2014. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice. The firm’s approach includes a centralized service team, tax-aware withdrawal strategies, and a defined investment universe influenced by affiliated product relationships.

Daunne Schaller is a financial advisor at Merrill with 31 years of industry experience. She holds the Series 63 designation and has been with Merrill since 1987. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Evan Runkel is a financial advisor with Raymond James & Associates in Edina, MN, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Morgan Stanley Smith Barney LLC, Wells Fargo Advisors, and Thrivent Financial. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients through a range of advisory and consulting services with a focus on tailored financial planning and non-discretionary investment consulting.

Travis Johnson is a CFP® professional with 25 years of industry experience, currently with Wells Fargo Advisors in Edina, MN. He has worked across multiple divisions within Wells Fargo since 2011. Outside of his advisory role, he owns and operates a woodworking project business called Poimen's Projects. Wells Fargo Advisors provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored financial recommendations.

Barry Minsker is a CFP® professional with 25 years of experience in the financial industry. He is currently with OSAIC and has previously worked at Securities America Advisors, LPL Financial, and SII Investments, Inc. Outside of his advisory role, Minsker has been involved with the Eagan Traveling Basketball Association and the Eagan Foundation for nearly two decades. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.