Nicholas Stern is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2018 and previously worked at LoCorr Funds. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment research.

Maxwell Bull is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as a manager for Lenny LLC, a real estate entity based in Colorado. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Jed Lund is a financial advisor with Osaic Wealth, Inc. based in Plymouth, MN, holding a Series 63 designation and with 20 years of industry experience. His career includes roles at Focus Financial, Advisornet Wealth Management, Cetera Advisor Networks, Woodbury Financial Services, Questar Asset Management, and Sandvold Financial Group. Additionally, he is a separately licensed independent insurance agent. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to manage portfolios across a range of investments on both discretionary and non-discretionary bases.

Matthew Dornik is a CFP® and CFA® with 22 years of experience in the financial industry. He has been with Ameriprise since 2005, currently serving as a financial advisor in Excelsior, MN. Outside of his advisory role, he owns and manages WDA, Inc., which oversees his Ameriprise business operations. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice, with a focus on assets held within Ameriprise-managed accounts.

Ryan Haddorff is a financial advisor with LPL Financial in Edina, MN, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His career includes over two decades at Waddell & Reed and leadership of The Haddorff Team. Outside of his advisory work, he has served as a high school tennis coach and has been involved with the Haddorff Family Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by research from internal and third-party sources.

Mark Lyon is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 65 and Series 66 designations and has worked at Ameriprise and its affiliated firms since 2005. Outside of his advisory role, he is an associate financial advisor providing client service and administrative support through TPWA Operations LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing internal research and third-party data with a non-discretionary implementation approach.

Jasen Braun is a CFP® professional with six years of experience at Ameriprise, based in Minneapolis, MN. He has held roles within Ameriprise and Ameriprise Financial Services since 2014. Outside of his advisory work, Braun is the owner of JSB Solutions, which manages his Ameriprise business, and serves as Chief Operating Officer for a franchise consultancy supporting financial advisors within the Ameriprise system. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Cole Kelly is a financial advisor with Cetera who holds a Series 66 designation and has 24 years of industry experience. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Kelly serves on the finance committee for Love INC, a nonprofit organization, where he helps review financial processes and structures. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services across multiple program platforms with discretionary and non-discretionary options.

Gary Hoshaw is a financial advisor with Primerica Advisors, holding a Series 63 designation and 39 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory work, he owns and serves as president of Gary and Carrie Hoshaw Inc., a legal entity formed for Primerica business purposes, and is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Jacob Fleming is a financial advisor at OSAIC with three years of industry experience. He previously worked at Focus Financial Network Inc and Strong Tower Wealth Management. Outside of financial services, he coaches youth hockey with the Elk River Youth Hockey Association. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing to build portfolios across multiple asset classes for both discretionary and non-discretionary management.

Jack O'Brien is a Series 66 licensed financial advisor with Thrivent Investment Management, bringing one year of industry experience. His background includes roles at Equitable Advisors and data analysis at Pro Football Focus. Outside of finance, he is involved in his local community as a member of the Waconia Chamber of Commerce and the Waconia-West Carver Rotary Club, and he coaches football and participates in local hockey activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on goal-based, holistic planning without discretionary trading authority, offering clients the option to combine planning with managed-account services under a consolidated billing program called “WealthPlan.”

John Naslund is a financial advisor at Morgan Stanley with 44 years of industry experience. He has worked at Citigroup Global Markets since 1981 and has been with Morgan Stanley Smith Barney and Morgan Stanley Private Bank since 2009 and 2015, respectively. He holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-driven planning process.

Matthew Kuplic is a financial advisor with Ameriprise in Bloomington, MN, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Riddle and Bloom and teaching at the University of St. Thomas. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored annual retirement-income planning advice based on proprietary research and third-party data. The firm’s approach includes asset allocation strategies and Social Security claiming guidance within a defined investment framework.

Matthew Brakefield is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. His prior work includes five years at Securities America Advisors and Securities America Inc. He is also president of Citizens Asset Strategies in Cologne, MN. Cambridge Investment Research Advisors serves a diverse client base, providing financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals. The firm employs a range of investment approaches, including proprietary model strategies and access to third-party managers, with options for discretionary and non-discretionary implementation.

Kelly Broneak is a financial advisor at Morgan Stanley in Bloomington, MN, with 31 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Mark Foreman is a financial advisor with LPL Financial in Bloomington, MN, holding Series 63 and Series 65 licenses with 25 years of industry experience. His career includes roles at United Planners Financial Services and serving on the First Minnesota Bank Board of Directors. He also provides tax preparation and accounting services through Foreman and Airhart. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

Darcy Dahl is a Series 66-licensed financial advisor with Morgan Stanley in Bloomington, MN, and has 13 years of industry experience. Dahl has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of advisory work, Dahl is a fitness instructor at Barre 3 and serves on the Investment Committee for the Japanese American Citizens League. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and global market analyses.

Michael Cassidy is a CFP® and ChFC® with 27 years of industry experience, currently serving as a financial advisor at Ameriprise since 2011. He is also a co-owner of ROR Tax Professionals, LLC, where he is involved in tax preparation. Cassidy has additional involvement as a partner in TPWA Operations LLC, providing occasional input on management issues. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations in coordination with clients' advisors.

Gretchen Bennett is a financial advisor at Morgan Stanley in Wayzata, MN, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she is the sole proprietor of Lone Oak Companies LLC, a business related to rental property management in Rockford, Minnesota. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market modeling.

Nick Plaza is a Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2024 to 2025. Before joining Fidelity, he gained experience as a Premier Banker at Wells Fargo from 2020 to 2024. Nick focuses on helping individuals and families navigate important financial decisions through personalized planning and ongoing guidance. His approach emphasizes understanding each person's goals, priorities, and circumstances to develop strategies that align with their unique needs. He values building trusted relationships through open communication, education, and thoughtful planning. Outside of his professional work, Nick enjoys activities such as fitness, enjoying food, social events with friends, outdoor adventures, reading, and running.