James Schmidt is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Merrill for 20 years before joining Morgan Stanley in 2017, including its Private Bank since 2018. He is based in St. Paul, MN. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques as part of its financial planning process.

William Duncan III is a financial advisor at Ameriprise in Minneapolis, MN, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Stellarpath Wealth Advisors and Chattanooga State Community College. 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 annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jared Lewis is a financial professional at Cetera with three years of industry experience. He previously worked at Foundry Partners for seven years and currently provides support for team members at North Star Resource Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a large nationwide network of independent advisors.

Diane Yohn is a financial advisor at Cetera with 32 years of industry experience. She holds the Series 63 designation and has worked extensively at Securian Financial Services, Inc. and C.R.I. Securities, Inc. In addition to her advisory role, she serves as an election judge in Bloomington, MN. Cetera Investment Advisers LLC is a nationwide firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.

Colleen Alcin is a financial advisor with Merrill in Minneapolis, MN, holding Series 63 and Series 66 licenses and having 16 years of industry experience. She has worked at Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Gaustad is a financial advisor at Ameriprise with Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at Fidelity Investments, The Vanguard Group, and Wold Architects & Engineers. He also worked with the Bloomington Jefferson Hockey Association and Jackfish Bay Property Management. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement planning and advice through a centralized team working alongside advisors.

David Mattson is a CFA® charterholder and holds a Series 63 license with five years of industry experience. He has worked at Ameriprise since 2021 and previously spent six years at Parametric. Outside of his advisory role, he teaches a finance course as an adjunct professor at the University of Minnesota. 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 sources and tax-aware withdrawal strategies.

Michael Olaniyi is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience at Minnesota State University, Mankato, and retail positions including Sam's Club and Walmart. Ameriprise serves clients generally with at least $1,000,000 in net investable assets, offering a retirement-income planning service that provides written Recommendation Reports addressing income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver these recommendations, primarily for assets managed within Ameriprise.

Michael Phillipson is a financial advisor with Wells Fargo Clearing in Minneapolis, MN, holding Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC, Bond & Devick Wealth Partners, and NorthRock Partners. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Daniel Getsch is a CFP® professional with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he owns and manages FFG Advisors LLC. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through a centralized service team that provides written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Rick Straub is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2022. He has been with Fidelity Investments for 19 years and has more than three decades of experience in the financial services industry. Rick's professional experience includes positions as Financial Consultant, Planning Consultant, Branch Service Manager, and Financial Representative at Fidelity Investments. Prior to joining Fidelity, he held roles such as Operations Manager - Principal at TCF Investments, Compliance Officer at Northland Securities, and Investments Practice Officer-VP Regional Compliance Principal at Marsh & McLennan Companies. Throughout his career, Rick has focused on helping individuals and families navigate specific financial needs. He emphasizes co-creating financial plans tailored to clients' priorities, such as wealth growth, income generation, preservation of assets, or legacy planning. Rick's extensive experience covers compliance, branch management, and financial consulting, reflecting a comprehensive understanding of the financial services sector. Outside of his professional work, Rick enjoys camping, cooking and baking, and photography.

Timothy Adrian is a financial advisor with Ameriprise in Minneapolis, MN, holding Series 63 and Series 66 licenses and possessing 30 years of industry experience. He has been with Ameriprise and its related entities since 2010. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Valerie Oman is a financial advisor at LPL Financial with 17 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Bank, Wells Fargo Clearing, and Wells Fargo Investments, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to various portfolio management options, supported by extensive operational and research tools.

Dean Kramar is a financial advisor with Ameriprise in Lino Lakes, MN, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory work, he teaches pickleball basics and runs open pickleball classes as a community activity. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports. The firm serves clients through a large institutional platform offering advisory, brokerage, and insurance solutions.

Laura Smith is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. Prior to joining RBC in 2022, she worked at MidwestOne Bank for one year. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, tailoring strategies to clients' risk profiles and utilizing both in-house and third-party investment managers.

Jeffrey Shoemaker is a financial advisor with Edward Jones based in Cottage Grove, MN. He holds the Series 66 designation and has six years of industry experience. His prior work includes roles at Concordia St. Paul, All-Finish Construction, and Century College. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices, and operates under a fiduciary standard.

Jennifer Nelson is a financial advisor with Thrivent Investment Management in Minneapolis, MN, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Thrivent, she worked at Northwestern Mutual in both investment services and life insurance from 2024 to 2026, and has experience in healthcare and therapy services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering holistic, goal-based financial analyses and planning without discretionary trading authority. The firm enables clients to combine planning with managed accounts through a consolidated billing option while maintaining separate service components.

Benjamin Tollander is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has previously worked at Wealth Enhancement Brokerage Services, Wealth Enhancement Advisory Services LLC, Wealth Enhancement Group, and LPL Financial, among other firms. 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 advice focused on dependable income sources and tax-aware withdrawal strategies.

James Benson is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the boards of a nonprofit organization and the Fairy-Lily-Long Lake Association, which focuses on protecting and improving the tri-lake environment. 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 range of advisory programs tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers along with various portfolio management and financial planning services.

Joshua Hinsch is a Certified Financial Planner® (CFP®) with 18 years of industry experience. He has been with Ameriprise since 2008, currently serving as an advisor at the firm’s Bloomington, MN office. 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 advice focused on dependable income sources and tax-aware withdrawal strategies.