Mark Murphy is a financial advisor at Raymond James Financial with 28 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial Services Advisors, Inc. since 2014. In addition to his advisory role, he works as an insurance agent specializing in outside term and long-term care insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor recommendations and supports clients through various advisory programs and partnerships.

Marc Terris is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 26 years of experience in the financial services industry and focuses on building long-term client relationships based on trust. Marc works with clients on a range of financial planning needs including college education planning, family wealth management strategies, personal retirement planning, portfolio management, small business strategies, and retirement income. Marc holds a Bachelor's Degree from Concordia College – Moorhead and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He emphasizes personalized financial strategies tailored to clients’ risk tolerance, time horizons, and liquidity needs, with an approach that encourages ongoing communication and at least an annual face-to-face portfolio review. In addition to his professional work, Marc participates in his community as a member of the St John Vianney Minor Seminary Board. Outside of his advisory role, he enjoys boating, golfing, ice hockey, and reading. Marc is married to Wendy and they have four children.

Lindsay Gordon is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. Gordon has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, including a broader investment menu that incorporates insurance-related products and bank deposit sweep options.

Daniel Johnson is a financial advisor at Equitable Advisors with 19 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Thrivent Financial and Thrivent Investment Management for 10 years. Outside of his advisory role, he serves as an assistant scout master for Troop 582, teaching life skills and leading outdoor activities for youth. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and utilizes LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Brendan Drager is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes roles at Steel Bender Brewyard and Albuquerque Public Schools. Outside of financial advising, he serves as a soccer coach with Park Valley United. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through a combination of advisory and brokerage solutions.

Sue Nauss is a financial advisor with Ameriprise in Minnetonka, MN, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Nauss serves on the Board of Directors for the Lakewoods Townhome Association. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and a focus on assets managed within Ameriprise accounts.

Arlen Stern II is a CFP® professional with 18 years of industry experience, currently serving at Ameriprise in Minnetonka, MN. He has been with Ameriprise and its affiliate Ameriprise Financial Services Inc. since 2008. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on providing written recommendations and ongoing retirement income planning advice based on dependable income sources and tax-aware withdrawal strategies.

Michael Haverkamp is a CFP®-certified financial advisor with 38 years of industry experience, currently registered with LPL Financial since 2003. He is based in St. Paul, MN, and has been involved with Bridge & Branch Wealth Partners and Dakota Tax Services, providing tax preparation support and investment-related services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, featuring both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

James Scattergood is a financial advisor with Cetera, holding a Series 66 designation and having 20 years of industry experience. He has been with Cetera and its affiliated entities since 2010. He is also the managing partner for West Shore Brokerage LLC, a pass-through company for Cetera Investment Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple investment platforms and third-party managers.

Scott Luehring is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and businesses, providing guidance during times of change such as retirement, job transitions, estate planning strategies, and business planning. Scott emphasizes connecting all aspects of a client's financial life to prioritize and pursue their most important goals. Scott offers expertise in alternative investments including private equity, equity long-short hedge funds, credit, and equity multi-strategies tailored for high net worth individuals. Utilizing Merrill's research capabilities and portfolio solutions team, he addresses clients' risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. His services encompass a broad range of financial products including investments, securities, annuities, life insurance, disability insurance, long term care insurance, asset accumulation strategies, and lending services through Bank of America, N.A. He holds a Bachelor's Degree from Saint Cloud State University and the Personal Investment Advisor (PIA) designation. Outside of his professional role, Scott serves as the unofficial team photographer for his daughters' volleyball teams and enjoys boating, hiking, photography, and volleyball.

Jeffrey Coplan is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has been with Raymond James Financial since 2006, currently serving at Raymond James Financial Services, Inc. in Eden Prairie, MN. Outside of his advisory role, he is an insurance agent and the owner of a commercial property business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm focuses on non-discretionary planning tailored to client goals and supports its offerings with advanced analytical tools and specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Eric Ebsen is a financial advisor with Ameriprise in Coon Rapids, MN, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized, non-discretionary advice through a centralized consulting team.

Bret Larson is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Cetera and its related entities since 2019. Prior to that, he was with Foresters Financial Services and its affiliates from 2004 to 2019. He is also a 50% owner and serves as secretary/treasurer of Karlson Larson Financial Group LLC, an entity established to define succession of his advisory practice. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management services and access to both affiliated and third-party managers.

Megan Hrabe is a financial advisor at Fidelity with a Series 66 designation and 10 years of industry experience. She has worked at various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary portfolio management, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Nicholas Klug is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior roles include positions at Examination Resources, LLC, Ameriprise Financial Services, Inc., and Insurance Logic Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Thomas Spanier is a financial advisor at LPL Financial with 30 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2002. Spanier operates Financial Planning of Minnesota, Inc. and Counsel Retirement Plans, Inc. as part of his business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services supported by research and technology-driven investment strategies.

Dave Horan is a Certified Financial Planner® with 40 years of industry experience. He has been with UBS Financial Services in Bloomington, MN since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Chloe Maiers is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Financial Consultants to develop financial plans tailored to individual goals. She emphasizes a collaborative planning process that considers each client's unique preferences and background to co-create confident financial strategies. Chloe is dedicated to supporting clients throughout all stages of life to help them work toward their financial objectives. Since joining Fidelity Investments in 2015, Chloe has held several roles including Client Services Associate, High Net Worth Service Associate, Relationship Manager, and currently, Planning Consultant. This progression reflects her extensive experience within the firm and her expertise in client relationship management and financial planning. Outside of her professional role, Chloe enjoys attending concerts, cooking and baking, hiking, visiting museums, engaging with music, and participating in outdoor adventures.

Jamer Yaggie is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His prior work includes roles at First International Bank and Trust, Principal, and media companies. Outside of advisory work, he is a limited partner in an agricultural grain elevator. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

James Rudin is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, having previously been with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.