Travis Wavrin is a financial advisor with Cetera who holds a Series 63 designation and has 30 years of industry experience. He has been associated with various Cetera entities since 1996. Outside of his advisory work, he serves as treasurer on the board of the St. Cloud Lacrosse Booster Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment program options and manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Brandon May is a financial advisor at Cetera with 18 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes nine years at PMA Financial Network, Inc., and over nine years with various Cetera entities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Joan Colindres Spring is a financial advisor at Cetera with three years of industry experience. She holds a Series 66 designation and has worked at Cetera and Cetera Investment Services LLC since 2022. Prior to her advisory roles, she was affiliated with Christ Church Newman Center for ten years. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors, utilizing multiple program structures and both discretionary and non-discretionary authorities.

Brian Zimny is a Series 66-licensed financial advisor with RBC Capital Markets in St. Cloud, MN, where he has worked since 2009. He has 21 years of industry experience. Outside of his advisory role, he serves as a committee member for the Boys and Girls Club of Central Minnesota and holds the position of secretary for Val Halla Villa, Inc., a homeowners association. RBC Wealth Management serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining in-house and third-party investment management, tailored to clients’ risk profiles and preferences.

Kurt Yelle is a financial advisor at Stifel with 34 years of industry experience. He has been with Stifel since 2006 and holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide analysis and allocation guidance that supports client decision-making.

Nyles Gentz is a financial advisor with OSAIC, holding a Series 63 designation and bringing 30 years of industry experience. He has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, and Questar Capital Corp. Gentz is also the co-author of a book titled *Sowing the Seeds of Retirement*, with proceeds benefiting the Wounded Warrior Project. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and advisory platforms, offering integrated brokerage and investment advisory services along with access to multiple third-party money managers and managed-account solutions.

Alexander Brooks is a financial advisor at Cetera with 19 years of industry experience. He holds a Series 66 designation and has been affiliated with various Cetera entities since 2003. Brooks is based in St. Cloud, MN. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial relationships.

Caroline Chance is a financial advisor at Cetera with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various Cetera entities since 2003. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to both affiliated and third-party managers across multiple program structures.

Darin Amundson is a financial advisor with UBS Financial Services in St. Cloud, MN, holding Series 63 and Series 66 registrations and bringing 22 years of industry experience. He has been with UBS since 2006 and serves concurrently in the U.S. Army Reserve as a Staff Sergeant with responsibilities in water distribution. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering access to proprietary research, market-making activities, and affiliated banking programs.

James Becker is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and has worked at Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm employs an IPS-driven advisory process grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stefanie Swanson is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has prior work experience in education and small business operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Ashley Roelike is a financial advisor at Cetera with four years of industry experience. She holds the Series 66 designation and has been with various Cetera entities since 2012. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Nicole Miller is a financial advisor at Cetera with 16 years of industry experience. She holds Series 63 and Series 65 licenses. Her work history includes multiple roles within Cetera-affiliated firms since 2006 and prior experience with LPL Financial and Woodbury Financial Services. Outside of her advisory work, she serves as a durable power of attorney for a family member. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing various program platforms and investment strategies.

Kevin Bright is a financial advisor at OSAIC with nine years of industry experience. He has held positions at Woodbury Financial Services and Allianz Life, and owns Bright Financial Services LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations. The firm offers integrated brokerage and advisory services with access to multiple investment platforms and third-party managers.

Regan Johnson is a financial advisor at Ameriprise with 15 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2010. Outside of advisory work, he is co-owner of St. Cloud Financial Planning Services, which provides secretarial and office administration support to financial planning practices, and serves as a sergeant in the Minnesota National Guard. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing non-discretionary, research-driven recommendations on income, Social Security, and tax strategies. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Rachael Egge is a financial advisor with UBS Financial Services in St. Cloud, MN, holding a Series 66 license and six years of industry experience. She previously worked at Kensington Bank and spent five years at Peters Body Shop before joining UBS in 2017. Outside of finance, she owns and operates a dog grooming business and works as a sous chef at a hotel and conference center. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans based on clients’ goals and risk tolerances.

Jacob Scattergood is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has been with Cetera and its affiliates since 2019 and has prior work experience in compliance, supply, and outdoor services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Erik Hanson is a financial advisor at Thrivent Investment Management with 15 years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written recommendations on a variety of financial topics without managing client portfolios on a discretionary basis. The firm combines holistic, goal-based planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Kelly Hoppe is a financial advisor with Ameriprise in Becker, MN, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise since 2015 and previously worked at the Becker Community Center for two years. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Cole Gagnon is a financial advisor at Ameriprise with one year of industry experience. Before joining Ameriprise, he worked in education-related roles across various school districts and universities. He holds a Series 66 designation. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach involves collaboration between a centralized service team and financial advisors, with recommendations based on proprietary research and third-party data.