Patrick Holmay is a financial advisor with Mass Mutual Investors Services in Plymouth, MN, holding Series 63 and Series 65 registrations and 21 years of industry experience. He previously worked at Park Avenue Securities, LLC and Guardian Life Insurance Co. He serves as a trustee managing financial matters for a family trust and maintains an insurance brokerage practice focused on life, disability, long-term care, fixed annuities, and health products. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs with an emphasis on collaborative client relationships and event-driven planning services.

Richard Flack is a financial advisor at Merrill with 45 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Merrill since 1984. He also has 15 years of experience working with Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jason Fredrickson is a financial advisor with Wells Fargo Clearing based in Wayzata, MN. He holds the Series 66 designation and has 23 years of industry experience, including over 30 years with Wells Fargo Bank, N.A. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Mark Cheeley is a financial advisor with Ameriprise in Wayzata, MN, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in business ownership and management activities, including co-owning a networking group territory and serving as a business development manager for a CPA firm. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to create personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Chad Villagomez is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 credential and has previously worked at Wells Fargo Clearing and Wells Fargo Investments. Outside of his advisory role, he coaches high school golf and is involved in public speaking for a Bible study group. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice supported by in-house investment research and third-party data.

Shannon Johnshoy is a financial advisor with Ameriprise in Shakopee, MN, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise since 2014 and is a co-owner of Constellation Holdings LLC, an investment-related business. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies through a centralized consulting team that supports its financial advisors.

Jessica Johnson is a financial advisor with Raymond James Financial Services, Inc., holding a Series 66 credential and seven years of industry experience. She has also worked with PFK Financial Services Inc. and EXECUTIVE Public Accountants, where she provides clerical and client service support. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm uses analytical tools and risk profiling to deliver tailored, non-discretionary planning and supports various advisory programs and public finance services.

David Sandvold is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Woodbury Financial Services and Questar Asset Management. He is also involved with Sandvold Financial Group, an LLC where he assists with trade entry and customer service. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and various investment programs. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by technological tools and multiple custodial arrangements.

Tiffany Hammer is a financial advisor with Morgan Stanley in Plymouth, MN, holding a Series 66 designation and 20 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she owns and operates a rental cabin in Crosslake, California. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and approved planning tools, serving clients through both direct and corporate agreements.

Diane Lang is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2005. Outside of her advisory role, she is involved with TC Trailmarkers LLC in a paraplanner and administrative capacity. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Denise Rohrick is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2023, she spent 10 years at UBS Financial Services, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by proprietary tools and market scenario modeling.

Gaylen Harms is a CFP® and ChFC® with 43 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at multiple firms, including Securian Financial Services and North Star Consultants, where he has been active since 1983. Harms serves as a director on the board of Walker Methodist and as treasurer and finance chair for Wolf Ridge ELC. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, managing over $256 billion in assets. The firm offers a range of portfolio management and consulting services to individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform.

Phillip Heles is a financial advisor at Edward Jones in Chanhassen, MN, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Bruce Barron is a financial advisor at LPL Financial with 45 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior roles include positions at Waddell & Reed, Nations Financial Group, Wells Fargo Clearing, and Prudential Equity Group, among others. 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 portfolio programs, and access to third-party asset management.

Michael Soshnik is a financial advisor with Raymond James Financial in Wayzata, MN, holding a Series 63 designation and 42 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2003 and has served as a trustee since 1991. Outside of his advisor role, he owns two support companies, GPS Capital Management, LLC, and North Shore Capital Management. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports various advisory programs, including municipal and public finance work through a unique affiliation with a municipal advisor.

Jesse Bull is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has worked at UBS Financial Services since 2015 and was previously at Merrill for two years. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary research, model-based asset allocations, and a range of capital markets services to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Andrew Zgurich is a financial advisor at Thrivent Investment Management in Golden Valley, MN, with one year of industry experience. He holds a Series 66 designation and previously worked at Everest Financial Group and Uber Technologies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority or institutional portfolio management.

Terry Sandvold is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he serves as CEO of Sandvold Financial Group, overseeing insurance sales and business operations. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering a range of brokerage and advisory services supported by a model-based investment process and multiple custodial and legacy program arrangements.

Mark Rethlake is a financial advisor at UBS Financial Services with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Ireen Sommer is a financial advisor at Ameriprise with 17 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Edward Jones. Outside of her advisory role, she serves on the Board of Directors for the Minnesota Hunter & Jumper Association and participates in its Membership and Year End Awards Committee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.