Zachary Gerlach is a financial advisor at Raymond James Financial with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Allianz Life Financial Services and Guardian Life Insurance. He is also involved with Ascential Wealth Advisors in a non-investment support capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical tools, and it supports municipal and public finance work through a unique affiliated municipal advisor.

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.

Michael Henderson is a Wealth Management Advisor and a CERTIFIED FINANCIAL PLANNER® professional affiliated with the Sieh Henderson Group at Merrill Lynch Wealth Management. He focuses on helping clients realize and achieve their financial goals through comprehensive wealth management strategies. Michael's areas of expertise include working with retirees and those nearing retirement, as well as clients in the wealth accumulation stage of life, employing a goals-based approach to wealth management tailored to individual financial aspirations. Prior to his role in wealth management, Michael served as an officer in the United States Army for ten years, during which he piloted helicopters and airplanes on stateside and deployed assignments including Operation Iraqi Freedom and the Republic of Korea. He earned his bachelor's degree from Saint John's University in Collegeville, Minnesota, where he also received his commission into the U.S. Army. Michael's military experience has influenced his approach to client relationships, emphasizing trust and integrity, and inspiring his commitment to assisting active military members and veterans transitioning to civilian life. Michael grew up on a dairy farm in South Dakota and now lives in Duluth with his two children. He enjoys outdoor activities such as skiing, biking, fishing, hiking, and flying. He is involved in his community and maintains professional connections through Merrill Lynch.

Carrie Kelley is a CFP® with 13 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. She previously operated her own advisory entity, Carrie Kelley LLC, and held roles at Lake Rock Wealth Management and various insurance agencies. Kelley has experience across multiple firms including Waddell & Reed, Inc. and Susan Stelman. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management programs supported by extensive operational and research tools.

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.

Chase Sams is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining LPL Financial, he worked at the University of Minnesota Duluth and Sams Building and Design Consultants, as well as Hermantown Schools. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.