Peter Fleming II is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. His prior roles include positions at Financial Engines Advisors L.L.C., Associated Investment Services, Inc., and VALIC Financial Advisors. Outside of finance, he was involved with James Fox Artist Management LLC for over a decade. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, offering a range of discretionary and non-discretionary advisory programs to a large client base.

Matthew Gribben is a financial advisor at RBC Capital Markets with eight years of industry experience. He holds a Series 66 designation and has worked at City National Bank and Citizens State Bank. Outside of finance, he was involved with the La Crosse Area Family YMCA and the University of Wisconsin La Crosse. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored strategies using a combination of in-house and third-party investment managers, alongside features such as tax management and responsible investing options.

Timothy Davisson is a financial advisor with Ameriprise in Minnetonka, MN. He holds the CFP®, ChFC®, and Series 63 designations and has 38 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Matthew Osendorf is a financial advisor with Ameriprise in Excelsior, MN, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its recommendations and delivers these services through a centralized retirement-income consulting team.

Sandra Kadisak is a financial advisor at Cetera with 35 years of industry experience. She holds a Series 63 designation and has worked at Cetera and Cetera Wealth Services since 2013. Outside of her advisory role, Kadisak is CEO and board member of Old Home Foods, Inc., a food distribution company, and is involved with Lemisa Natural Foods, Inc. as an owner and CEO. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Hiniker is a financial advisor with Cetera who holds Series 63, Series 65, and Series 66 licenses and has 26 years of industry experience. He has worked at several firms including E*TRADE Securities LLC and various AdvisorNet entities. Hiniker also serves as an executive planner providing financial planning, asset management, and guidance to advisors on the AdvisorNet RIA platform, and works as an insurance agent selling life, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple third-party money managers through a multi-manager platform with a variety of program structures and custodial relationships.

Kristin Harper is a financial advisor at Morgan Stanley in Wayzata, MN, holding a Series 66 designation with 18 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Alexander Kronick is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 30 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research since 2010. Outside of his advisory role, he serves as a trustee for an irrevocable trust and operates an independent insurance agency. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Harold Sorley is a financial advisor at Stifel with 33 years of industry experience. He has held his current position since 2006 in Wayzata, MN, and holds Series 63 and Series 66 licenses. Stifel serves a diverse clientele including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology from its Investment Strategy Group, providing asset allocation and financial planning analyses that support client decision-making.

Mark Theis is a financial advisor with Ameriprise in Shakopee, MN, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is involved in commercial real estate ownership through partial ownership of a building in Shakopee. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that combines written recommendations with ongoing tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data within a defined investment framework.

Geoffrey Beninga is a Certified Financial Planner (CFP®) with 27 years of industry experience, currently serving at Ameriprise in Eden Prairie, MN. He has been with Ameriprise and its affiliated entities since 2010, spanning over 13 years of service. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Michael Kosmak is a financial advisor with Cetera who holds a Series 66 designation and has 27 years of industry experience. He has been with Cetera Wealth Services since 1999 and currently co-owns Bennett, Mastin and Kosmak Inc., where he serves in management and training roles. Outside of finance, he is the owner and president of Langdon St. Consultants, a technology consulting firm. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that allows advisors to implement diverse investment strategies with discretionary and non-discretionary authorities.

Christopher Kellett is a financial advisor at Cetera with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and Wells Fargo Advisors before joining Cetera. Outside of his advisory work, he is an owner of SaltPoint Capital Partners, a financial services DBA providing brokerage and advisory services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Reece Chiriboga is a CFP®-designated financial advisor with four years of industry experience, currently with Wells Fargo Clearing since 2022. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he serves as a head baseball coach for St. Louis Park Junior Varsity. 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 advisory process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Aaron Elkins is a CFP® certified financial advisor with 25 years of industry experience, currently with Ameriprise in Plymouth, MN. He previously worked at LPL Financial and BMO Bank NA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing planning focused on income sources and tax-aware withdrawal strategies.

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.

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.

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 at Cambridge Investment Research Advisors with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Park Avenue Securities and Guardian Life Insurance Company. Foster is also the owner of Altura Wealth, an independent investment-related business. Cambridge Investment Research Advisors serves both individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

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.