Amy Edgren is a financial advisor at Osaic with 19 years of industry experience. She has been with Osaic since 2024 and previously spent 15 years at Woodbury Financial Services Inc. Edgren is the sole owner of Woodhill Financial, Inc., an insurance agency that provides fixed insurance products such as life, health, disability, and long-term care insurance. She is also a notary public in Hennepin County. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charities. The firm offers a multi-advisor platform with brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by various investment strategies and third-party managers.

Lisa Lauson is a financial advisor at Morgan Stanley in Wayzata, MN, holding Series 66 and Series 63 licenses with four years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at The Waters Senior Living from 2019 to 2022. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning using firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Carolyn Oberfeld is a financial advisor with LPL Financial in Bloomington, MN, holding CFP® designation and securities licenses Series 63 and 65. She has 36 years of industry experience, including prior roles at National Planning Corporation, Kaplan/Dearborn Financial, and VOYA Financial Advisors. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Rebecca Czysen is a financial advisor with LPL Financial in Burnsville, MN, holding a Series 66 designation and three years of industry experience. She has worked at LPL Financial since 2021 and has been associated with Morgan Planning Group since 2018. Prior to her advisory roles, she worked at Medtronic Care Management Services from 2014 to 2018. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Terrence Moore is a financial advisor at Osaic with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Woodbury Financial and Mony Securities Corporation. Moore also operates Moore Financial Services, Inc., where he provides financial planning and sells traditional insurance products. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and multiple program options delivered through its extensive affiliate network.

Timothy Ruhland is a CFP® and ChFC® with 32 years of industry experience. He has been with Ameriprise since 2005 and currently serves in Lakeville, MN. He is a member of the Board of Directors for Just Cause Charity. Ameriprise provides retirement-income planning services for individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach and offers a broad range of advisory, brokerage, and insurance solutions.

Michelle Sager is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2015, focusing on providing a comprehensive approach to wealth management that prioritizes understanding each client's individual needs and objectives. Her client focus areas include education planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, and tax minimization. Michelle holds bachelor's degrees in Business and Spanish, with a minor in Economics, from Bethel University. She has achieved the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Residing in Minnetonka, Minnesota, she lives with her husband and son. Michelle is active in the community supporting several non-profit organizations. In her personal time, she enjoys activities such as camping, cooking, hiking, reading, running, and spending time with her family.

James Bayliss is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His career includes roles at MTI Financial, Inc. and Investacorp, Inc., among others. Bayliss is also involved with MTI Financial Advisors, Inc. as a registered representative, focusing on client asset management and financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, overseeing more than $256 billion in assets across more than 10,000 advisors.

Vadim Salov is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for three years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Tutt is a financial advisor with Osaic Wealth, holding CFP® and ChFC® designations and possessing 17 years of industry experience. Prior to joining Osaic in 2023, he worked at Cambridge Investment Research Advisors and Sii Investments, Inc. He also operates a sole proprietorship, Minnesota Financial Resources, where he assists clients with fixed insurance and fixed annuities. Additionally, he is a notary for the state of Minnesota. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation, portfolio optimization, and a range of managed strategies supported by various tools and third-party managers.

Gregory Dobesh is a financial advisor with RBC Capital Markets in Edina, MN, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has been with RBC Capital Markets since 1998. He has served on the board of directors for Interlachen Country Club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with portfolio management, financial planning, custody, and brokerage services tailored to clients’ Advisory Risk Profiles.

Joan Martinez is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients through a variety of advisory programs, including customized financial planning supported by firm-approved tools and methodologies.

Nathaniel Trobiani is a Series 66 registered advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and Bank of America, N.A., including eight years at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process includes centralized due diligence with quantitative and qualitative research and may incorporate an ESG eligibility framework.

David Kasowski is a financial advisor at RBC Capital Markets with five years of industry experience. He holds the Series 66 designation and has previously worked at firms including Fidelity Investments, Baird, and Spot Insurance. Kasowski served in the U.S. Air Force from 2013 to 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutions. The firm offers a variety of wrap fee advisory programs that provide tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Asher Manhard is a Financial Advisor at Merrill Lynch Wealth Management. He serves clients by providing guidance on managing their finances and investments. He holds the professional designation of Personal Investment Advisor (PIA), which demonstrates his commitment to professional standards in investment advising. Further details regarding his experience, education, and personal interests have not been provided.

Christopher Bayliss is a Wealth Management Planning Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to ensure they have a positive experience and focuses on assisting them with retirement planning. His approach emphasizes attentive service and understanding each client's unique needs to build strong, lasting relationships. Before his current role, Christopher held positions as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024, both at Fidelity Investments. He holds an Arkansas Insurance License, supporting his expertise in financial and insurance planning. Outside of his professional responsibilities, Christopher engages in fitness activities including horseback riding, reading, running, and skiing.

David Jackson is a financial advisor at Ameriprise with 30 years of industry experience. He holds the ChFC®, Series 63, and Series 66 designations. Prior to joining Ameriprise in 2026, he spent 24 years with Thrivent Financial for Lutherans and Thrivent Investment Management Inc. Ameriprise offers a retirement-income planning service primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Christine Peterson is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has worked at Cetera since 2019 and has prior experience with Bremer Bank, Raymond James Financial Services, and LIVE Wealth Planners, a business she continues to own and operate. Cetera Investment Advisers LLC is an SEC-registered advisor 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 through a large network of independent advisors and maintains over $256 billion in assets under management.

Matthew Hanson is a Financial Consultant at Fidelity Investments, where he currently works to provide financial guidance and planning services. He has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Planning Consultant, Investment Consultant, and now Financial Consultant. Matthew holds the designation of CERTIFIED FINANCIAL PLANNER™ professional. Over his years of experience in the financial industry, he has developed expertise in both simple and complex financial situations. He focuses on understanding clients' unique circumstances to create straightforward and effective financial plans.

Scott Burns is a financial advisor with LPL Financial in Bloomington, MN, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation and Burns Bros Financial Group, where he continues to serve as well. Outside of advising, he is also involved in tax preparation and serves as a notary public. 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 financial planning and asset management solutions, utilizing various portfolio strategies and advisor support tools.