Dana Effertz is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 25 years of experience in the financial services industry, including more than five years with Merrill Lynch. Dana works closely with her clients to set and achieve financial goals such as preparing for retirement, selling a business, funding education, saving for travel, and wealth transfer. Her client relationships are long-term and focused on helping individuals and families manage their financial lives with confidence. Dana holds a Bachelor's Degree from the Minnesota State College & University System and a Master of Business Administration (MBA) from the University of Saint Thomas. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is affiliated with Merrill Lynch, Pierce, Fenner & Smith Inc., AIG Retirement/VALIC, and Ameriprise Financial Services. Outside of her professional role, Dana enjoys spending time with her husband, Cory, and their two children, Taylor and Cayden. Her personal interests include gardening, golf, ice hockey, soccer, and volleyball. She is active in her community, contributing her time and resources to organizations such as the Orono Foundation for Education.

Matthew Probst is a financial professional with Cetera, holding a Series 66 designation and five years of industry experience. He has worked with several firms including Minnesota Life Insurance Co, Securian Financial Services, and North Star Resource Group. Outside of his advisory role, he is involved in fixed insurance sales through North Star Consultants and operates under multiple financial services DBAs. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, retirement services, and access to third-party managers through a multi-manager platform with a range of program structures and investment options.

Bryan Kramer is a Wealth Management Advisor with the Oslund Wealth Management Group, having joined the team in 2022. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and a Personal Investment Advisor (PIA) designation. Bryan graduated from Southwest Minnesota State University with a bachelor's degree in Finance. Since beginning his career in financial services in 2005, Bryan has focused on helping individuals and families, including executives and medical professionals, align their financial lives with their goals. His approach emphasizes understanding clients' financial situations, risk tolerance, time horizons, and liquidity needs. He partners with clients to develop personalized, goal-based plans, supported by Merrill's investment insights and Bank of America's banking services. Bryan lives in Orono, Minnesota with his wife, Dr. Jessica Kramer, and their three children. The family enjoys traveling, spending time outdoors, and attending their children's sporting events.

Jordan Kretsch is a financial advisor at OSAIC with eight years of industry experience. He holds the CFP® designation and Series 65 and 63 licenses. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and AIS Planning. He also operates a separate business under the name Riverstone Financial Group & Insurance Services. OSAIC serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services utilizing multiple advisory platforms and asset-allocation tools.

Joseph Balut is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he coaches basketball at Mound Westonka High School in Minnetrista, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and affiliated products, with a large nationwide network of advisors and branch offices.

Taylor Foster is a financial advisor with Cambridge Investment Research Advisors in Wayzata, MN, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Cambridge, Foster worked at Cetera Wealth Services, Prowealth Financial, Park Avenue Securities, and Guardian Life Insurance Company. Foster is also the owner of a separate investment-related business under the name Altura Wealth. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management solutions across multiple custody platforms.

Seth Koestler is a financial advisor with Wells Fargo Clearing in Wayzata, MN, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo bank and related entities since 2011. Outside of his advisory role, he serves as a notary public in Carver County, MN. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines large-scale operations with research-driven investment evaluation and provides a range of brokerage and advisory solutions.

Andrew Seiler is a financial advisor at Robert W. Baird & Co. with five years of industry experience. He holds the Series 66 designation and joined Robert W. Baird in 2020 after working at PricewaterhouseCoopers LLP from 2015 to 2019. Outside of his advisory role, he serves as treasurer for Jewfolk Inc., a nonprofit organization. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of investment strategies and overlays.

Matthew Koski is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. He has held roles at several firms including American Enterprise Investment Services, Inc., Ameriprise, and AdvisorNet Financial Inc. Koski also serves as a portfolio manager at Sterling Retirement Resources Inc., where he is involved in investment management and trading. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, 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 various program options and affiliations.

Jamie Chmielewski is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. She has worked with Wells Fargo affiliates since 2007, including Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as a power of attorney for her husband. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ali Kourouma is a financial advisor at Morgan Stanley in Wayzata, MN, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining Morgan Stanley, Ali worked at Wells Fargo Bank, nA and has held positions in both retail and educational settings. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and modeling techniques.

Peder Larson is a financial advisor at MassMutual Investors Services with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and TruChoice Financial, among other firms. Larson has also worked outside the financial sector in food service and retail during his career. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to support collaborative, goal-oriented planning engagements.

Lynn Gilbertson is a Series 63-registered advisor with Primerica Advisors in Saint Michael, MN, with 39 years of industry experience. She has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1984. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies and owns LCG, Inc., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Carson Lee is a Planning Consultant who collaborates with advisors to develop personalized financial plans tailored to clients' family and personal goals. He focuses on making the planning process clear and comfortable to instill confidence in clients' financial futures. His professional experience includes roles such as Relationship Manager and Financial Service Representative at Fidelity Investments, Retirement Consultant at Heartland Retirement Group, Associate Accountant at The Berg Group, and Financial Representative at Northwestern Mutual. These positions have contributed to his understanding of financial planning and client relationship management. Outside of his professional work, Carson enjoys boating, fishing, spending time at the lake, outdoor adventures, and caring for pets.

Andrew Schneider is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Ameriprise in Brooklyn Park, MN. He has been with Ameriprise and its related entities since 2000, totaling over two decades at the firm. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice. The firm’s approach includes collaboration between a centralized service team and individual advisors, utilizing proprietary tools and research to address income sources, asset allocation, and Social Security strategies.

Andrea Suchy Shinn is a Series 66-licensed financial advisor with 21 years of industry experience, currently with LPL Enterprise. She previously spent 15 years at TIAA-CREF and TIAA. Outside of her advisory work, she is involved with Money Pit Enterprises LLC, a business entity established for tax and investment purposes. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers and various financial planning services.

Amy Untiedt is a financial advisor with Ameriprise in Independence, MN, holding a Series 66 designation and 12 years of industry experience. Her prior roles include positions at Columbia Management Investment Distributors, Inc. and American Enterprise Investment Services, INC. She also serves as an operations manager at Strand and Associates, supporting the operations of her advisory practice. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research and modeling to provide tailored, tax-smart withdrawal strategies through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Sharon Kosir Krumme is a financial advisor at Wells Fargo Clearing with 48 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years with Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Liam Fanola is a financial advisor with UBS Financial Services in Minneapolis, MN, holding Series 63 and Series 66 credentials and six years of industry experience. His work history includes roles at UBS since 2021, Alerus since 2018, and self-employment from 2015 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Bradley Harder is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise in Hanover, MN. He has been with Ameriprise and its affiliated entities since 2001. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, emphasizing managed accounts and utilizing algorithmic tools overseen by a dedicated committee.