James Horan is a financial advisor with Wells Fargo Clearing in Bloomington, MN, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he has minor investment interests related to mineral rights and oil royalties with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Michael Atherton is a CFP® with 47 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services, LLC in Edina, MN. He has been with Ameriprise since 2009, including roles at both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. His credentials include Series 63 and Series 66 licenses. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service designed for clients approaching or in retirement, which focuses on dependable income sources and tax-aware withdrawal strategies through a collaborative, non-discretionary approach.

Andrew Lapham is a financial advisor with Equitable Advisors in Minneapolis, MN, holding a Series 66 credential and having one year of industry experience. Prior to joining Equitable Advisors, he worked at several organizations including Bonita National Golf & Country Club and Metropolitan State University College of Management. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing a variety of third-party advisory models and proprietary tools without sponsoring its own wrap fee program.

Gregory Johnson is a financial advisor at RBC Capital Markets with 39 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes seven years at City National Bank and two years at UBS Financial Services before joining RBC Capital Markets in 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Heather Berscheit is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. She holds the Series 63 and Series 66 designations. Her prior experience includes 15 years at Wells Fargo Bank, N.A. and Wells Fargo Securities, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with tailored services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education.

Thomas Manderfeld is a financial advisor with Ameriprise in Prior Lake, MN, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009 and was previously associated with Jaros & Associates. Outside of his advisory role, he is involved with Royal Ideas LLC. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Patrick Olson is a CFP® professional affiliated with Cetera, with 19 years of industry experience. He previously worked at Minnesota Life Insurance Company and Securian Financial Services, Inc. for a decade and currently owns DAP Advisory, focusing on expense management and cash flow control. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform that includes affiliated and unaffiliated third-party managers.

John Ryan is a CFP®-designated financial advisor with 39 years of industry experience, currently with OSAIC since 2023. He previously worked at Sagepoint Financial, Inc. for 14 years and Acumen Financial Advisors, LLC for 28 years. Ryan is also the owner of Ryan Financial Consulting, LLC, a limited liability company. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization techniques, and is notable for its scale, affiliate network, and private-equity ownership.

Anne Machesky is a financial advisor with OSAIC in Edina, MN, holding a Series 63 designation and bringing 45 years of industry experience. Prior to joining OSAIC in 2025, she spent 24 years at Lincoln Financial Advisors. Outside of her advisory role, she is owner of AMMCOR Holdings, LLC, through which she engages in motivational speaking and writes articles on current business trends and business transition. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process centered on asset allocation and portfolio optimization while supporting various discretionary and non-discretionary strategies.

Daniel Kuplic is a CFP® professional with 30 years of experience in the financial services industry. He has been with Ameriprise since 1995, currently serving at their Fort Meyers, FL office. Outside of his advisory role, he is involved in business ownership related to managing his Ameriprise practice. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. The firm provides a specialized retirement-income planning service targeting clients with significant investable assets, utilizing research and modeling to deliver tailored, tax-efficient retirement strategies.

Thomas Scheck is a financial advisor at Cetera with nine years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial Services, Securities America Advisors, and OSAIC. He is the owner of TMS Inc., an S corporation used for business tax planning purposes. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment managers through a multi-manager platform.

Cooper Wells is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior positions include roles at Thrivent, Advisornet Financial, Cetera, and Equitable Advisors. Outside of finance, he has been involved with the Minneapolis United Soccer Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory roles to multiple registered investment companies and its use of advanced technologies such as AI in portfolio management.

Susan Bay is a CFP® with 13 years of industry experience, currently affiliated with Wells Fargo Advisors in Bloomington, MN. She previously worked at Wells Fargo Clearing and Northwestern Mutual Wealth Management Company. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad financial planning menu and integrates advisory services with various financial products and referral channels.

Ryan Pytleski is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company, Northwestern Mutual Life Insurance Company, and Northwestern Mutual Investment Management. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options.

Steven Gehrke is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Ameriprise in Farmington, MN. He has worked at Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the board of directors for the Theta Chi Housing Corporation. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Maria Rohde is a financial advisor at Edward Jones in Eagan, MN, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked for eight years at Experience Wellness Chiropractic and six years at PF Chang's China Bistro. 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 nationwide network of approximately 23,701 financial advisors.

Matthew Hourigan is a financial advisor at UBS Financial Services with 11 years of industry experience and a Series 66 designation. He has been with UBS since 2014. Outside of his advisory role, he serves as head boys lacrosse coach at Cretin-Derham Hall High School and is a member of the board of directors for the charity Mile in My Shoes, which promotes community-building and wellness through running. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Donald Rosen is a CFP® with 52 years of industry experience. He has been with LPL Financial since 2021 and previously worked at Waddell & Reed, Inc. and various insurance carriers for over four decades. Rosen is also associated with Bear Hollow LLC, a business entity established for tax or investment purposes. 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 comprehensive advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Vandersall is a financial advisor with Ameriprise in Edina, MN, holding the CFP® and ChFC® designations and possessing 30 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he is involved in broadcasting through his ownership of Tafoya Productions, Inc. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Alan Benson is a CFP® with 40 years of experience in the financial industry. He is currently with OSAIC and has previously worked at Investacorp, Inc. for 29 years and Securities America Advisors for four years. Benson also owns Financial Resources Solutions, Inc., where he provides fixed insurance, life insurance, annuities, and long-term care products to clients. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation, portfolio optimization, and provides access to various investment strategies and third-party managers.