Benjamin Barrett is a Series 66 licensed financial advisor with 11 years of industry experience. He has worked at Edward Jones since 2019 and previously held positions with PRUCO Securities, LLC and The Prudential Insurance Company of America from 2016 to 2019. Barrett is based in Cold Spring, MN. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Curtis Brown is a financial advisor at Edward Jones in St. Cloud, MN, holding a Series 66 designation with seven years of industry experience. He worked at Marco Technologies for seven years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Andrew Winter is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked at various Cetera entities since 2017. Prior to his advisory career, he was employed by Best Buy from 2015 to 2017. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform with extensive program options and a nationwide network of over 10,000 advisors.

Nathan Boenish is a financial advisor at Edward Jones in Sartell, MN, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Morgan Stanley/E*Trade and Prudential Financial. Boenish’s background also includes work in construction with CBS Construction Services, Inc. and RL Larson Excavating, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a range of advisory programs and investment options under a fiduciary standard.

Kristina Kelm is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 credentials and four years of industry experience. She previously worked at Stearns Bank N.A. and St Cloud Federal Credit Union. Outside of her advisory role, she serves as a board member for the Eden Valley Chamber and manages the financial aspects of her family’s farm operations, which include crop production and cattle raising. Thrivent Investment Management provides Dedicated Planning Services for individuals, families, businesses, and nonprofit clients, focusing on goal-based, holistic financial analyses without portfolio management or discretionary trading authority.

Carmen Bohlke is a financial advisor at Cetera with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple Cetera entities and First Allied Securities since 2012. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, employing a multi-manager platform with access to both affiliated and third-party managers.

Jameson Barrett is a financial advisor with Osaic Wealth, Inc. based in Saint Cloud, MN, holding a Series 66 designation and two years of industry experience. He has worked with several firms including Ameriprise and Securities America Advisors. Outside of finance, Barrett serves as a baseball umpire for high school, college, and amateur teams in the Saint Cloud area. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios, managing accounts on both discretionary and non-discretionary bases.

Madison Molitor is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has prior work experience including managing a residential rental business. 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 network of financial advisors and branch offices nationwide.

Brett Carow is a financial advisor at Fidelity with eight years of industry experience and holds a Series 66 designation. His prior roles include positions at Alight Financial Solutions, MassMutual, and BASF. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and delivers model portfolios to intermediary platforms.

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.