Richard Ophoven is a financial advisor at Stifel with 39 years of industry experience. He has been with Stifel since 2006 and holds Series 63 and Series 65 designations. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Matthew Borchert is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 14 years. Borchert is a co-owner and managing partner of PASJ LLC, a pass-through entity that supports the management and operations of his financial practice. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, utilizing a centralized consulting team to deliver detailed, non-discretionary recommendation reports that incorporate sophisticated modeling and tax-efficiency analysis. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Nicholas Stern is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2018 and previously worked at LoCorr Funds. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment research.

Jed Lund is a financial advisor with Osaic Wealth, Inc. based in Plymouth, MN, holding a Series 63 designation and with 20 years of industry experience. His career includes roles at Focus Financial, Advisornet Wealth Management, Cetera Advisor Networks, Woodbury Financial Services, Questar Asset Management, and Sandvold Financial Group. Additionally, he is a separately licensed independent insurance agent. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to manage portfolios across a range of investments on both discretionary and non-discretionary bases.

Matthew Dornik is a CFP® and CFA® with 22 years of experience in the financial industry. He has been with Ameriprise since 2005, currently serving as a financial advisor in Excelsior, MN. Outside of his advisory role, he owns and manages WDA, Inc., which oversees his Ameriprise business operations. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice, with a focus on assets held within Ameriprise-managed accounts.

Ryan Haddorff is a financial advisor with LPL Financial in Edina, MN, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at LPL Financial since 2018, previously operating The Haddorff Team, and has been involved with the Haddorff Family Foundation for two decades. Outside of his advisory role, Haddorff has coached tennis at Burnsville High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Jasen Braun is a CFP® professional with six years of experience at Ameriprise, based in Minneapolis, MN. He has held roles within Ameriprise and Ameriprise Financial Services since 2014. Outside of his advisory work, Braun is the owner of JSB Solutions, which manages his Ameriprise business, and serves as Chief Operating Officer for a franchise consultancy supporting financial advisors within the Ameriprise system. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Cole Kelly is a financial advisor with Cetera who holds a Series 66 designation and has 24 years of industry experience. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Kelly serves on the finance committee for Love INC, a nonprofit organization, where he helps review financial processes and structures. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services across multiple program platforms with discretionary and non-discretionary options.

Gary Hoshaw is a financial advisor with Primerica Advisors, holding a Series 63 designation and 39 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory work, he owns and serves as president of Gary and Carrie Hoshaw Inc., a legal entity formed for Primerica business purposes, and is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Jacob Fleming is a financial advisor at OSAIC with three years of industry experience. He previously worked at Focus Financial Network Inc and Strong Tower Wealth Management. Outside of financial services, he coaches youth hockey with the Elk River Youth Hockey Association. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing to build portfolios across multiple asset classes for both discretionary and non-discretionary management.

Chad Holtz is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, U.S. Bancorp Investments, Inc., and Piper Sandler & Co. Outside of his advisory work, he owns and manages Red Dog Stables Ltd., a thoroughbred breeding and racing operation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Gretchen Bennett is a financial advisor at Morgan Stanley in Wayzata, MN, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she is the sole proprietor of Lone Oak Companies LLC, a business related to rental property management in Rockford, Minnesota. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market modeling.

Nick Plaza is a Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2024 to 2025. Before joining Fidelity, he gained experience as a Premier Banker at Wells Fargo from 2020 to 2024. Nick focuses on helping individuals and families navigate important financial decisions through personalized planning and ongoing guidance. His approach emphasizes understanding each person's goals, priorities, and circumstances to develop strategies that align with their unique needs. He values building trusted relationships through open communication, education, and thoughtful planning. Outside of his professional work, Nick enjoys activities such as fitness, enjoying food, social events with friends, outdoor adventures, reading, and running.

Ryan Johnson is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process with firm-approved tools and incorporates a wide range of investment and financial services.

Michael Sturgis is a financial advisor with Ameriprise in Lakeville, MN, holding a Series 63 designation and 25 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income advice through a centralized consulting team.

Jeffrey Jarnes is a CFP® and ChFC® credentialed advisor with 45 years of industry experience. He is currently affiliated with Cetera and has a longstanding career including roles with Fortune Financial Holdings, Securian Financial Services, and Minnesota Life Insurance Company. Outside of advisory work, he is involved in fixed insurance sales and operates a financial services business. Cetera Investment Advisers LLC is a large nationwide network serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services supported by a broad selection of investment strategies and custodial relationships.

Ryan Antkowiak is a CFP® professional with 21 years of industry experience, currently serving at Robert W. Baird & Company since 2007. He holds the Series 63 designation and is based in St. Paul, MN. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement a range of investment strategies.

Jacob Morris is a financial advisor with Edward Jones in Wayzata, MN, holding a Series 66 credential and bringing seven years of industry experience. Prior to joining Edward Jones in 2018, he worked for Osseo Area Schools for twelve years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and affiliated investment products through a large nationwide network of advisors and branches.

Elizabeth Stromberg is a financial advisor at RBC Capital Markets with 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2008 and holds the Series 63 and Series 65 designations. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, with strategies tailored to clients’ risk profiles and implemented through a combination of in-house and third-party investment managers.

Carl Lottman is a financial advisor with MassMutual Investors Services in Plymouth, MN, holding a Series 63 designation and 14 years of industry experience. He has been with MassMutual life Insurance Company and MassMutual Investors Services since 2011. Outside of his advisory role, he is involved in health insurance sales as an agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software tools to analyze client goals and deliver written recommendations.