Nicholas Garramone is a Series 66 credentialed financial advisor with Edward Jones in Duluth, MN, where he has worked for 13 years. Outside of his advisory role, he serves as the head baseball coach at Marshall High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and maintaining a large nationwide network of financial advisors and branch offices.

Zachary Gerlach is a financial advisor at Raymond James Financial with five years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Allianz Life Financial Services LLC and other financial services firms. He is also associated with Ascential Wealth Advisors in a non-investment related capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and employer SIMPLE IRA consulting.

Rickie Derks is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds a Series 66 designation and has held roles at Thrivent Financial since 2022, following prior positions at Cognate BioServices and several other organizations. Outside of his advisory work, Derks is a board member of the Empowered Women's Network, a group focused on connecting and empowering women in life and business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering goal-based financial planning without discretionary portfolio management. The firm’s approach includes broad financial topics and allows clients to integrate planning with managed-account programs through a consolidated billing option.

John Anderson, Sr. is a Wealth Management Advisor with over 25 years of experience in financial services and risk management. He holds a Bachelor of Science in Business Administration from the University of Alabama and is a CERTIFIED FINANCIAL PLANNER™ certificant. Additionally, John has earned the designation of Portfolio Manager within Merrill IAP and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE). John and his team provide comprehensive wealth management services to a diverse clientele comprising families, retirees, business owners, physicians, attorneys, professional athletes, corporate executives, and non-profit organizations. Their approach emphasizes understanding clients' life priorities and financial situations to deliver personalized strategies centered on achieving specific financial goals such as college education planning, legacy planning, and retirement readiness. The team offers expertise in areas including executive compensation, managing new wealth, family wealth management strategies, and investment consulting for defined contribution and benefit plans. Active in his community, John has served on the boards of the Johnston YMCA and Charlotte Latin School Alumni Governing Board, as well as on the Parish Council of St. Nektarios Greek Orthodox Church. He speaks English and Greek and enjoys skiing, travel, yoga, music, fishing, golfing, tennis, spending time with family, and watching movies. Based in Charlotte, John is committed to helping clients pursue financial security and work optional lifestyles through a holistic and client-focused wealth management process.

Michael Henderson is a Wealth Management Advisor and CERTIFIED FINANCIAL PLANNER® professional, affiliated with the Sieh Henderson Group at Merrill Lynch Wealth Management. He focuses on helping clients achieve their financial goals through customized wealth planning and disciplined financial strategies. He specializes in working with retirees and those nearing retirement, employing a goals-based approach to wealth management to help clients live confident and prosperous retirements. Additionally, Michael works with clients in the wealth accumulation stage, assisting them in making informed decisions and portfolio management aligned with their objectives. Prior to his financial career, Michael served as an officer and aviator in the United States Army. Michael earned a bachelor's degree from Saint John's University in Collegeville, Minnesota. He lives in Duluth with his two children and enjoys outdoor activities such as skiing, biking, fishing, hiking, and flying. He is also involved in community activities and is passionate about supporting active military members and veterans transitioning to civilian life.

Carrie Kelley is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, various insurance agencies, and her own firms, Carrie Kelley LLC and Lake Rock Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Dylan Kolquist is a financial professional at Cetera with four years of industry experience. He holds a Series 66 designation and has worked at multiple firms including Northwestern Mutual and Sellwood Partners. In addition to his advisory role, he is involved with Northview Financial Partners as a financial professional and serves as a client service associate supporting office operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a nationwide network of advisors, utilizing a multi-manager platform that includes affiliated and third-party managers with various program options.

Michael Owens is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Raymond James and its affiliated firms since 2009. Owens is also an officer and one of three business owners of Ascential Wealth Advisors, a support company managing business operations for his Raymond James advisory practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Kathleen Beasley is a CFP®-designated financial advisor with Ameriprise in Duluth, MN, bringing 46 years of industry experience. She has been with Ameriprise and its predecessor firm since 1979. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Daniel Elnes is a financial advisor with Edward Jones in Duluth, MN, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, he owns and manages several real estate properties in the Duluth area. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.