Joseph Fleming is a financial advisor with Ameriprise in Minneapolis, MN, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior work includes nine years at RBC Capital Markets Corporation and three years at Ameriprise Financial Services Inc before joining Ameriprise in 2020. He serves on the Board of Directors for Twin Cities PBS, a nonprofit organization. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines algorithmic automation and advisory oversight to deliver tailored retirement income strategies.

Bindi Swammi is a financial advisor at UBS Financial Services with 26 years of industry experience. He previously worked at Ameriprise Financial Services LLC for 16 years before joining UBS in 2022. Outside of his advisory role, he serves as adjunct faculty at Mitchell Hamline School of Law and is a board member of Advocates for Human Rights. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and lending solutions.

Brody Hardacre is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Polaris Industries Inc., LUNR Capital Inc., and the University of Minnesota. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations.

Julie Whittaker is a financial advisor at Morgan Stanley in Minneapolis, MN, holding Series 63 and Series 65 credentials with two years of industry experience. Her prior roles include positions at Mark J Heurung and Northwestern Mutual Investment Services LLC. Outside of finance, she has experience working with YMCA Camp St Croix over several years. Morgan Stanley Wealth Management is a 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 processes and firm-approved tools.

Brendan Kauls is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized investment strategies that align with their financial goals and priorities. Brendan's approach involves understanding what matters most to his clients and providing ongoing advice to adjust strategies as circumstances change. His areas of expertise include education planning, employee benefits planning, legacy planning, portfolio management, small business strategies, and retirement income planning. Brendan holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from Saint Olaf College. Outside of his professional role, Brendan participates in community service through involvement with Habitat for Humanity. He also enjoys activities such as basketball, fishing, football, golfing, hunting, ice hockey, running, and soccer.

Hannah Hennen is a financial advisor at Ameriprise with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Ameriprise since 2019, with prior experience at Wells Fargo and involvement in the Minnesota Section of the Professional Golf Association. Ameriprise is an institutional firm serving clients primarily through a retirement-income planning service aimed at individuals with substantial investable assets, providing written recommendations that incorporate research, modeling, and tax-efficiency analysis.

Andrew Miller is a financial advisor at Thrivent Investment Management in Minneapolis, MN, holding Series 63 and Series 65 licenses with four years of industry experience. His prior roles include positions at Wells Fargo, JPMorgan Chase, Apple, and other firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering comprehensive written recommendations on a broad range of financial planning topics without discretionary trading authority. The firm integrates planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Deanna Pohl is a Series 66-credentialed financial advisor with 21 years of experience, currently with Ameriprise in Minneapolis, MN. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Their Premier Retirement Income service provides a written Recommendation Report and ongoing advice through a centralized team that works alongside the client’s Ameriprise advisor.

Tami Nelson is a financial advisor at Ameriprise in Minneapolis, MN, holding Series 63, 65, and 66 licenses with 18 years of industry experience. Her career includes roles at American Enterprise Investment Services Inc and RiverSource Distributors Inc. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Nolan Pyrz is a financial advisor with Raymond James Financial Services and holds a Series 66 designation. He has six years of industry experience, including prior roles at Avantax Investment Services and MRK Financial Solutions. Outside of his advisory work, he is an associate at Prosperwell Financial, where he focuses on client services. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports its advisors with tools that incorporate risk profiling and probabilistic modeling.

Andrew Brandt is a financial advisor with RBC Capital Markets in Wayzata, MN, holding Series 63 and Series 65 registrations. He has nine years of industry experience, including roles at American Funds and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of wrap fee advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing a combination of in-house and third-party managers.

Mariann Rutter is a financial professional with 16 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 65 credentials and has worked at Cetera since 2023, with prior experience at Securian Financial Services, Inc. and CRI Securities, LLC. Additionally, she serves as a notary public and operates North Star Resource Group, a financial services DBA. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, with multiple program structures and access to third-party managers.

Roy Smalley III is a financial advisor with Morgan Stanley in Minneapolis, MN, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Morgan Stanley since 2009 and is currently affiliated with Morgan Stanley Private Bank, National Association. Outside of his advisory role, he works as an independent contractor baseball analyst for Souhan-Smalley Podcasts. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Matthew Machaiek is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding a Series 66 designation and 24 years of industry experience. He has been with RBC Dain Rauscher Inc. since 2002. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

Dillon Mc Cann is a financial advisor with Cetera, holding a Series 66 credential and three years of industry experience. He has previously worked at Avantax Advisory Services and Avantax Investment Services Inc. In addition to his advisory role, he is a tax preparer and wealth management assistant at Jasicki Tax & Financial, Inc., where he provides tax preparation and planning services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through diverse program platforms and third-party managers.

Gregory Murphy is a CFP® with 26 years of industry experience, currently with Merrill in Saint Paul, MN. He has worked at Merrill since 2000 and also with Bank of America since 2009. Outside of his advisory role, he is the sole owner of a rental property business in Kihei, Hawaii. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Stephen Fregosi is a financial advisor with LPL Financial in Maple Grove, MN, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2018 and also operates the Law Office of Stephen E. Fregosi, which he has owned since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, various portfolio management programs, and institutional platforms, utilizing both proprietary research and third-party subadvisors.

Katherine Iacarella is a financial advisor at Cetera with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Securian Financial Services, Minnesota Life Insurance, and Jeffrey P. Scott & Associates. She also serves as registered staff at Renaissance Financial, where she provides securities, insurance, and advisory services. Cetera Investment Advisers LLC is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management options through multiple program structures and affiliations with various third-party managers.

Clinton Faust is a financial advisor with Ameriprise in Plymouth, MN, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Faust serves on the Board of Regents for Oak Grove Lutheran School. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations through a centralized consulting team.

Jay Ricci is a Series 66-licensed financial advisor with Ameriprise Financial Services, LLC, based in Minnetonka, MN. He has seven years of industry experience, including prior roles at Merrill and Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that emphasizes dependable income sources and tax-aware withdrawal strategies.