Jonathan Nelson is a financial advisor at RBC Capital Markets in Edina, MN, holding a Series 66 designation and with eight years of industry experience. He previously worked at William Blair Investment Management, LLC for six years before joining RBC Capital Markets in 2022. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Theodore Larson is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been affiliated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and market assumptions.

Linette Carlson is a financial advisor at RBC Capital Markets with 20 years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2008. Based in Minneapolis, MN, her career at a major institution spans nearly two decades. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and customizes investment strategies based on clients’ risk profiles using both in-house and third-party managers.

Theresa Olberding is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services Inc. for 16 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Jamie Johnston is a financial advisor at Morgan Stanley with 22 years of industry experience. He has been with Morgan Stanley and its related entities since 2008, including a prior role at Merrill from 2004 to 2008. Outside of his advisory work, Johnston serves as Treasurer for the Prior Lake Hockey Association, a youth organization in Minnesota. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery and advanced modeling tools, serving clients through both direct and corporate financial planning arrangements.

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 worked with Wells Fargo Bank, NA since 2014 and Wells Fargo Clearing Services, LLC since 2018. 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, employing research and analytics to support diversified investment strategies.

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 with LPL Financial, holding a Series 63 designation and 34 years of industry experience. His prior roles include nearly two decades at Woodbury Financial and two years at OSAIC. He is also president of Fletcher Financial, Inc., a firm specializing in fixed insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors, offering a range of financial planning and investment management services.

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 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.

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 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.

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 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.

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, 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.

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.