Thomas Luxem is a financial advisor with Ameriprise in Edina, MN, holding the ChFC® and Series 63 designations and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 1994. Outside of advisory work, he is involved in tax preparation through his ownership of Pinnacle Tax Solutions and is a managing partner or co-owner in multiple LLCs used for business expense and financial management. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on tax-aware withdrawal strategies and dependable income sources for clients nearing or in retirement. The firm’s retirement income planning utilizes proprietary research, algorithmic tools, and a centralized service team to produce customized, non-discretionary recommendations aligned with clients’ specific asset and Social Security considerations.

Annette Printup is a Series 66-licensed financial advisor with Ameriprise in Edina, MN, and has 19 years of industry experience. Her career includes multiple roles at Ameriprise dating back to 2006, along with a brief tenure at LPL Financial. Outside of her advisory work, she serves as a youth director at Redeemer Lutheran Church. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement income planning advice supported by proprietary research and algorithmic tools.

Michael Ferrell is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera since 2021, with prior experience at Voya Financial Advisors and the Prideaux Group. In addition to his advisory role, he operates an independent insurance agency focused on fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party managers, supporting diverse investment strategies across multiple program structures.

Michael Stenach is a financial advisor with Equitable Advisors in Minneapolis, MN, holding Series 63 and Series 66 licenses and having 21 years of industry experience. His career includes roles at Equitable Advisors since 2013, as well as previous experience with Axa Advisors, LLC and Foresters Advisory Services, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing a range of third-party advisory models and focusing on matching clients to suitable investment solutions based on their risk tolerance and financial objectives.

Abigael Papa is a financial advisor at Raymond James Financial Services Advisors, Inc. in Bloomington, MN, holding a Series 66 designation with one year of industry experience. Prior to entering the financial advisory field, she worked in various roles including with the Minnesota Department of Employment and Economic Development and public school systems. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services supported by analytical tools and emphasizes municipal and public finance advisory capabilities.

Pam Schroeder is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Parker Shannon is a financial advisor with Ameriprise in Burnsville, MN, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, Parker worked in education and held roles at Mystic Lake Casino and LeeAnn Chin. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that includes a written Recommendation Report and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Jason Erno is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, he worked at Thrivent Financial and PRGI. Outside of his advisory role, he works as a rideshare driver for Uber, Lyft, and HICH on his own schedule. Fidelity’s affiliate Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Shelly Enger is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at multiple firms including Diversified Financial Group and FSC Securities Corporation. Outside of her advisory role, she owns D & S Tax Service, a tax preparation and accounting business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jacob Kettwig is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 19 years of industry experience. Prior to joining Cambridge in 2023, he worked at Diversified Financial Advisory Group, FSC Securities Corporation, and Merrill. He is also the owner of Diversified Financial Group of Lakeville LLC. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms, and manages a multi-billion dollar asset base.

John Copouls is a financial advisor with OSAIC and holds a Series 66 designation. He has 19 years of industry experience, including 14 years at SagePoint Financial, Inc., before joining OSAIC in 2023. He is also a Certified Public Accountant and provides tax preparation and planning services through his independent firm, Copouls Financial. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services supported by model-based asset allocation and portfolio optimization, employing a variety of investment strategies and third-party managers.

Joshua Wyman is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 63 designation and has been with Ameriprise since 2012. Outside of his advisory role, Wyman is involved with Centennial Group II, LLC, a business managing costs of office space for advisors and staff. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendations and ongoing retirement-income planning. The firm’s approach includes the use of proprietary research, third-party data, and structured withdrawal strategies within a defined investment universe influenced by affiliated products.

Angela Rice is a financial advisor at RBC Capital Markets with 21 years of industry experience. She holds a Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ advisory risk profiles.

Magdalena Werger is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2023. Outside of her advisory role, Werger is a ballet instructor with Victoria Dance Productions in Edina, MN. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports and combining research with modeling and tax-efficiency analysis. As a large institutional firm, Ameriprise also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Margo Clarke is a financial advisor with Ameriprise in Minneapolis, MN, holding Series 63 and Series 65 licenses and 35 years of industry experience. Her prior roles include positions at Bank of America and Merrill Lynch. Outside of her advisory work, she has involvement in real estate ownership unrelated to investment activities. Ameriprise serves clients primarily through retirement-income planning, offering tailored recommendation reports and a range of advisory, brokerage, and insurance solutions. The firm’s approach integrates research, modeling, and tax-efficiency analysis, with a focus on clients meeting specific asset thresholds and emphasizes the use of Ameriprise-managed accounts.

Stephanie Shaffer is a financial advisor with LPL Financial in Bloomington, MN, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Her career includes roles at Matthew Anderson, The Lakeshore Group, Steph & Jacquie LLC, Jason Ledermann, and Waddell & Reed, Inc. She has also operated investment-related business entities connected to her LPL practice. 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, utilizing various strategies and technology tools across a large network of investment adviser representatives.

Anthony Ricker is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 24 years of industry experience. He has been with RBC Capital Markets LLC since 2009 and previously worked at City National Bank from 2016 to 2025. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management.

Linda Becker is a financial advisor with Morgan Stanley in Bloomington, MN, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery tools and models, and manages approximately $2.74 trillion in client assets.

Alexander Stetson is a Series 66-licensed financial advisor with nine years of industry experience. He has been with RBC Capital Markets, LLC since 2017, following a brief tenure at North Shore Bank of Commerce. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

John Hillman is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Wells Fargo & Company and has been with Ameriprise since 2018. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on income planning and tax-aware withdrawal strategies for clients approaching or in retirement. The firm’s approach includes the use of proprietary research, third-party data, and algorithmic tools to develop personalized recommendations.