Elspeth Weis is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2010. Outside of her advisory role, she works as a consultant for Beautycounter, a personal care product company. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Robert Starkey is a financial advisor at OSAIC with 29 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Securities America Advisors, Securities America, Inc., and SII Investments. In addition to his advisory role, he is licensed as an insurance agent. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing model-based asset allocation and portfolio optimization within a multi-advisor platform.

Brian Baca is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He has been with Wells Fargo Bank, NA since 2010 and transitioned to Wells Fargo Clearing in 2023. Outside of his advisory role, he maintains ownership of a rental property in Cottage Grove, MN. 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 employs an IPS-driven approach grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep options.

Richard Hanna is a Series 66-credentialed financial advisor with Wells Fargo Clearing in Bloomington, MN, and has 18 years of industry experience. He has worked at Wells Fargo Bank since 1984 and with Wells Fargo Clearing since 2016. Outside of finance, he works part-time in catering at a Minneapolis-based company. 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 supported by research and analytics.

Christian Tietz is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2018. His prior experience includes four years at Robert W. Baird & Co. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Jeffrey Pirk is a financial advisor with Merrill, holding Series 65 and Series 66 credentials and 20 years of industry experience. His prior roles include positions at Morgan Stanley, Strong Tower Wealth Management/Cetera Advisor Networks, and Wells Fargo Investments. Outside of his advisory work, he serves as Executive Director of Cities Alive, a nonprofit coordinating worship-related training events for churches, musicians, and associated artists. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Morland is a financial advisor at Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 designation with approximately one year of industry experience. His work history includes roles at Wells Fargo Clearing, Hard Work Yard Work, and Alerus, as well as multiple positions at North Dakota State University. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Dean Ravenscroft is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, Edward Jones, and service with the Department of the Army. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Emily Ost is a financial advisor with Ameriprise in Lakeville, MN, holding a Series 63 designation and nine years of industry experience. She has been with Ameriprise and its affiliate since 2015. Outside of her advisory work, she serves on the Board of Directors for ECFE Advisory Council and is involved with Royal Ideas, LLC. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Kathy Marson is a financial advisor at Robert W. Baird & Co. with three years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley and Kinuu. She is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pension plans, corporations, and charitable organizations with a range of consulting and portfolio management services tailored to client goals and risk tolerances.

Cara Kinowski is a financial advisor with Wells Fargo Advisors in Minneapolis, MN, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm offers a wide range of planning services and leverages Wells Fargo research and planning tools to develop personalized recommendations.

Esmeralda Cortes Ruiz is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and five years of industry experience. Her background includes roles at Bank of America, Merrill, Fidelity Investments, and Travelers Insurance. Outside of her advisory work, she owns a floral arranging business and a construction-related company where she handles project billing and negotiation. 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 provides both brokerage and advisory solutions.

Owen Fuls is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. before joining Wells Fargo. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven, incorporating modern portfolio theory and a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Anthony Tsakakis Jr. is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously with Wells Fargo Clearing. Tsakakis has been with Ameriprise Financial Services LLC since 2019. 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 delivering written recommendation reports and ongoing retirement-income planning advice that emphasizes dependable income sources and tax-aware withdrawal strategies.

Jodi Jenson is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds Series 63 and Series 65 registrations and has worked with RBC Capital Markets since 2009. 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 a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Brian Ewings is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, NA since 2011. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Robert Hannah is a Certified Financial Planner (CFP®) with 24 years of industry experience, currently serving at Morgan Stanley in Bloomington, MN. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Matthew Bearth is a CFP® with six years of industry experience, currently affiliated with Cetera. His career includes roles at Bearth Financial Incorporated, AdvisorNet Wealth Partners, and Box Financial Advisors. Outside of his advisory work, he serves as an alumni ambassador for St. John Vianney Seminary in St. Paul, Minnesota. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting various program structures and custodial relationships.

Jackson Rynda is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch and Bank of America prior to his current role. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Noah Dendinger is a financial professional with Cetera, holding a Series 66 credential and three years of industry experience. He has worked at firms including North Star Resource Group and Aaron Hatanpa - State Farm Agency. Outside of advising, Dendinger serves as president of the Justin Dendinger Foundation Inc., a nonprofit that organizes an annual fundraiser supporting high school graduates. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides access to multiple investment strategies through a multi-manager platform, combining discretionary and non-discretionary portfolio management with various program structures and third-party partnerships.