Steven Theisen is a financial advisor with Ameriprise in St. Cloud, MN, holding a Series 63 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he owns Steve's Personal Tax Service and serves on the board of Pineview Park BMX, where he also volunteers as a BMX team manager and treasurer. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Janal Kruzel is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. She has been affiliated with various Cetera entities since 2013, including Cetera Investment Services LLC and Cetera Advisors LLC. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

Christopher Reinholz is a financial advisor at Cetera with 37 years of industry experience. He holds a Series 63 designation and has worked at several firms, including Summit Brokerage Services, First Allied Securities, and Girard Securities. Reinholz has been associated with various Cetera entities since 1988. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers, supported by a nationwide network of over 10,000 advisors.

Zachary Gundberg is a financial advisor at Edward Jones in St Cloud, MN, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Northwestern Mutual and various positions outside the financial sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and managed solutions, supported by a large network of advisors and branch offices nationwide.

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.

Doreen Douvier is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior work includes roles at Medtronic, Real Staffing, and Reprise Biomedical. She is involved in sales of home security and automation products through Primerica Client Services, an affiliated company. Primerica Advisors is a large institution serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that utilizes model-driven strategies managed by third-party asset managers, supported by custody and trade execution services from Pershing and BNY Mellon Advisors.

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.

Jaclyn Gwost is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, as well as corporate and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment options under a fiduciary standard.

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.

Alex Scepaniak is a financial advisor with Osaic Wealth Inc. in Avon, MN, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Osaic, he worked at Primerica Advisors and Primerica Financial Services. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies connected to Primerica. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors, providing integrated brokerage, advisory, financial planning, and retirement consulting services through a large network of advisers and multiple platforms. The firm employs various asset allocation tools and supports both discretionary and non-discretionary account management.

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.

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.