Timothy Harberts is a financial advisor with LPL Enterprise holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, TD Ameritrade, and Ameriprise Financial Services. He is also involved in non-variable insurance through Prudential’s affiliated agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and an integrated platform that includes insurance products and collateralized lending.

Ben Boots is a Vice President and Financial Consultant at Fidelity Investments. In this role, he focuses on comprehensive financial and retirement planning, tax-efficient investing, and consolidating assets into coordinated strategies for individuals and families. Ben has experience spanning several positions at Fidelity Investments since 2019, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to his current role, he held positions as an Associate Financial Planner at Lincoln Financial Group and an Investment Analyst Intern at North Star Asset Management.

Annette Dick is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 12 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and employs structured planning tools along with broad retail and institutional investment offerings.

Thomas Brandt is a financial advisor with RBC Capital Markets in Wayzata, MN, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at RBC Capital Markets since 2009 and also at City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients through a variety of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies utilizing both in-house and third-party managers and provides access to alternative investments and integrated capital markets services.

Carly Neumann is a financial advisor at Ameriprise with 19 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its predecessor firms since 2005. Outside of her advisory role, she is a registered team member with BDLR Group, Inc., where she manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports tailored to clients’ income and withdrawal strategies.

Dean Adelman is a financial advisor with Wells Fargo Clearing in Saint Cloud, MN, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he manages power of attorney responsibilities for family members in Minnesota related to investment matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances, including a discretionary 3(38) investment option and a broad range of financial product offerings beyond typical institutional advisers.

Paul Affeldt is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to his financial services career, he worked for seven years with the Shakopee Police Department. He is also president of Westonka Community and Commerce, where he organizes and runs meetings and helps coordinate community events. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a fiduciary standard.

John Taft is a financial advisor with Robert W. Baird & Co. in Minnetonka, MN, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Prior to joining Baird in 2018, he worked at Deloitte and Touche LLP and Columbia Threadneedle Funds. He serves on the investment committees of the Andy Warhol Foundation for the Visual Arts and The Minneapolis Foundation. He is part of The DDK Group within Baird’s Private Wealth Management department, which provides financial planning and portfolio management services to individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. Baird manages approximately $394 billion in assets and offers a combination of manager-traded and model-traded SMA strategies, tax-management, and unified fee arrangements.

Michael Olafson is a financial advisor at Morgan Stanley in Wayzata, MN, with eight years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and advanced modeling tools in its planning approach.

Thomas Conneran is a CFP® with 25 years of experience in financial advising. He is currently affiliated with Cetera and has prior experience with Concourse Financial Group Securities Inc. He serves as a board member for Pro Life Action Ministries and is involved in finance oversight as a trustee for the Church of Epiphany. Cetera Investment Advisers LLC is a nationwide firm serving individuals, retirement plans, corporations, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that supports various investment strategies and custodial relationships.

Cassandra Milbrandt is a financial advisor at Merrill with Series 63 and Series 65 credentials and eight years of industry experience. She has been with Merrill since 2007, totaling 19 years at the firm. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Lucas Ahlberg is a financial advisor with Thrivent Investment Management in Golden Valley, MN, holding the ChFC® and Series 66 designations and bringing 21 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisory role, Ahlberg officiates youth ice hockey games as a compensated official. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering holistic, goal-based analyses and written recommendations across various planning topics without portfolio management for institutional clients.

Jill Radermacher is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill Lynch since 2006 and Bank of America since 2022. Outside of her advisory work, she volunteers as a committee member at Minnetonka United Methodist Church, where she helps manage weekly offering deposits. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

John Ward is a financial advisor at Merrill based in Minneapolis, MN, holding a Series 66 designation with 11 years of industry experience. He has worked at Bank of America, N.A. since 2015 and at Merrill since 2014. Outside of his advisory role, he is associated with a separate entity named K B located in Eden Prairie, Minnesota. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration within Bank of America’s platform allows access to a broad range of products and services.

Ann Treml Olson is a financial advisor with Robert W. Baird & Co. in Minnetonka, MN, holding the CFP® designation and Series 63 and 66 licenses, with 27 years of industry experience. She has been with Baird since 2020 and previously worked at Work Optional, Inc. from 2015 to 2020. Outside of her advisory role, she occasionally assists her husband with administrative tasks for his business. The DDK Group at Robert W. Baird & Co. serves individuals, corporate clients, pensions, and charitable organizations through comprehensive financial planning and portfolio management services. The firm employs a range of SMA strategies, overlay management, and tax-management approaches, supported by internal research and ongoing manager oversight, with about $394 billion in assets under management as of December 31, 2025.

David Stay is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial for Lutherans since 2014, as well as with Thrivent Investment Management since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning with written recommendations across multiple financial topics, while maintaining separate managed-account services under a consolidated billing option called “WealthPlan.”

Emily Haan is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Her expertise includes college education planning, employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and women and wealth. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Emily earned a Bachelor's Degree from Iowa State University. Outside of work, she enjoys cooking, hiking, pickleball, running, swimming, writing, and spending time with her family. She is also involved with Grace Church Minnesota.

Richard Rosati is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has 17 years of industry experience, previously working at Wells Fargo, and currently serves as a First Vice President, Financial Advisor with the Oslund Kane Wealth Management Group in Wayzata. Richard's expertise encompasses the four cornerstones of wealth management: investments, liability management, non-portfolio risk management, and estate planning strategies. His approach focuses on understanding clients' situations, experiences, and goals to balance reason and emotion in financial decision-making. He adheres to principles of integrity, objectivity, competence, fairness, confidentiality, and ethics. He holds a Bachelor of Science in Business and Economics from the University of Wisconsin-River Falls, a Master of Business Administration and a Master of Arts in Economics from Mankato State University. Richard is a CERTIFIED FINANCIAL PLANNER® professional and a Personal Investment Advisor (PIA).

Kasey Boudouris is a Wealth Management Advisor at Merrill Lynch Wealth Management. She offers expertise in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, tax minimization, retirement income, and socially responsible, values-based, and ESG investing. Details regarding Kasey’s educational background, professional certifications, or community involvement were not provided. Additionally, no personal interests or biographical information about her were included.

Derek More is a financial advisor with Ameriprise in Golden Valley, MN, holding a Series 63 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 1999. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and integrates algorithmic automation overseen by a dedicated committee to generate personalized recommendations.