Brenda De La Riva Carpio is a financial advisor with Wells Fargo Clearing in Saint Louis Park, MN. She holds Series 65 and Series 63 licenses and has seven years of industry experience. Brenda has been with Wells Fargo Clearing Services, LLC since 2018 and has worked with Wells Fargo Bank, NA since 2014. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Darrin Treanor is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding a Series 66 designation and four years of industry experience. Prior to joining RBC in 2022, he worked for nine years at Freightquote.com by C.H. Robinson. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services, using a range of in-house and third-party investment managers to tailor strategies to each client’s risk profile.

John Bobick is a CFP® with 27 years of experience in the financial industry. He has been with Ameriprise since 2015, currently serving as a financial advisor in St. Paul, MN. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Terence Fletcher is a financial advisor at Osaic with 34 years of industry experience. He holds a Series 63 designation and previously worked at Woodbury Financial for 19 years. Fletcher is also president of Fletcher Financial, Inc., a business focused on selling fixed insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and other resources to construct portfolios across multiple asset classes, managing accounts both discretionarily and non-discretionarily.

Allison Obrien is a financial advisor at UBS Financial Services in Minneapolis, MN, with 10 years of industry experience. She holds a Series 66 designation and has been with UBS since 2015. Outside of her advisory role, she coaches youth hockey with the Stillwater Area Hockey Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans and provides both discretionary and non-discretionary portfolio management.

Carolyn Oberfeld is a CFP® with 36 years of industry experience, currently serving as a financial advisor at LPL Financial since 2017. Her prior roles include positions at National Planning Corporation and Kaplan/Dearborn Financial. LPL Financial is a registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and technology solutions.

Jesse Thompson is a financial advisor at Ameriprise with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, Jesse is also involved in real estate sales and administration as a licensed realtor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Rebecca Czysen is a financial advisor with LPL Financial in Burnsville, MN, holding a Series 66 designation and two years of industry experience. She has worked at LPL Financial since 2021 and is also associated with Morgan Planning Group, where she has eight years of experience. Prior to her advisory roles, she worked at Medtronic Care Management Services from 2014 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, third-party subadvisors, and technologies including machine learning.

Lydia Wilson is a financial advisor at Thrivent Investment Management with 21 years of industry experience. She holds a Series 66 designation and has been with Thrivent and its affiliated entities since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based financial planning covering a broad range of topics, with clients able to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

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 for 19 years. Moore is also involved with Moore Financial Services, Inc., where he provides sales and service for traditional insurance products and financial planning. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers brokerage and advisory services with integrated portfolio management supported by various tools and third-party programs.

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.

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.

Brittany Brown is a financial advisor with Cetera in Minneapolis, MN, holding a Series 66 designation and three years of industry experience. Her prior career includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, and Total Drain Solutions. She also has involvement as a fixed insurance agent with North Star Resource Group. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services through a large network of independent advisors.

John Tutt is a financial advisor with Osaic Wealth, Inc. in Edina, Minnesota, holding the CFP® and ChFC® designations along with Series 63 and 66 licenses. He has 17 years of industry experience and has previously worked at Cambridge Investment Research Advisors and Sii Investments. Outside of his advisory role, Tutt operates a sole proprietorship assisting clients with fixed insurance and fixed annuities and is a licensed notary in Minnesota. Osaic serves a diverse range of retail and institutional clients through a large network of advisors, offering integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to multiple third-party money managers and wrap programs. The firm employs tools such as asset-allocation models, risk assessments, and automated rebalancing to manage portfolios that may include equities, fixed income, options, mutual funds, ETFs, and alternative investments.

Ryan Reuss is a financial advisor with Ameriprise in Maple Grove, MN, holding a Series 63 designation and 14 years of industry experience. He has been with Ameriprise and its affiliates since 2011. Outside of his advisory role, he acts in fiduciary capacities such as attorney-in-fact, trustee, or personal representative. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered by a centralized consulting team.

Leah Theorin is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 14 years of industry experience. She previously worked at Thrivent Financial for Lutherans and Thrivent Investment Management for 11 years. Leah also owns Theorin Trautwein LLC, operating as Trivas Financial Group, and acts as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension plans, charitable organizations, and trusts—offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm employs a range of investment strategies, including proprietary models and third-party managers, with both discretionary and non-discretionary implementation options.

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.

Nickolas Holper is a financial advisor at RBC Capital Markets with 19 years of industry experience. He holds the Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients, including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs and customizes investment strategies based on each client’s Advisory Risk Profile, utilizing a combination of in-house and third-party investment managers.

Marlond Day is a financial advisor at Ameriprise in Minneapolis, MN, holding a Series 66 designation with nine years of industry experience. His prior work includes roles at Riversource Distributors, Inc. and Ameriprise Financial Services Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing both proprietary research and third-party data within a defined investment framework.

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.