Ned Cohen is a CFP® certificant with six years of industry experience, currently affiliated with Wells Fargo Clearing. His prior roles include positions at Morgan Stanley and E*TRADE Capital Management LLC. 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 a combination of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

L Jason Ripple is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner at Zen Partners LLC, a private company unrelated to investment activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations.

Spencer Peterson is a financial advisor at Cetera with two years of industry experience and holds a Series 66 designation. He has worked with Gradient Securities, LLC, and currently provides client support services at Box Financial Advisors. Outside of financial services, he owns an automotive detailing business, SP Detailing, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and consulting services with access to multiple investment program options and third-party managers.

Craig Twombly is a CFP® with over 31 years of industry experience. He is currently affiliated with Osaic through Financial Dimensions Group, Inc., where he has worked since 2006. Outside of his advisory role, he is a partner in a commercial real estate venture in New Brighton, MN. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of financial advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and a variety of investment vehicles managed via both discretionary and non-discretionary accounts.

Craig Johnson is a financial advisor with Wells Fargo Clearing in Delano, MN, holding Series 63 and Series 65 designations and 23 years of industry experience. He 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 to qualified ERISA 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 a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

James Crenna is a CFP® with 50 years of experience in the financial industry and has been with Stifel since 2006. He is based in Golden Valley, MN, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a member of the Rotary Club of Plymouth, where he participates in fundraising activities. Stifel serves a diverse client base, including individuals, institutions, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide analysis and allocation guidance.

Hector Millan Alvarado is a financial advisor with Ameriprise in Lakeville, MN, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise and its affiliate since 2017, following two years at Daikin Applied. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Joseph Gribben is a financial advisor at RBC Capital Markets with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 1998, as well as City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Zachary Pritz is a financial advisor at Thrivent Investment Management with a Series 66 designation and one year of industry experience. His prior roles include teaching positions at Veritas Christian Academy, Lake House Academy, and Henderson County Schools, as well as working at ShareWell Coffee. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written financial recommendations on a range of topics without managing client assets directly. The firm combines goal-based planning with managed-account options under its WealthPlan program, emphasizing ongoing client reviews and separation of planning from investment management.

Katherine Gowans is a financial advisor with Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 designation and six years of industry experience. She has been with Wells Fargo Bank and Wells Fargo Clearing since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services tailored to plan objectives and demographics. The firm’s IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Addie Ng is a financial advisor with Equitable Advisors in Maple Grove, MN, holding Series 63 and Series 65 credentials and 44 years of industry experience. She has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Outside of her advisory role, she owns Source One Insurance Agency and provides accounting services through Addie H. Ng & Associates. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through various third-party managers and employs a hybrid referral and implementation model to tailor services to client goals and risk tolerance.

Jeremy Noyes is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds the ChFC® and Series 63 designations and has been with MML Investor Services, Inc. and MassMutual since 2004. Outside of his advisory work, he serves on the board of Twins Community Fund, assisting with ticket sales. Mass Mutual Investors Services provides financial planning and advisory services to individuals, business owners, trusts, estates, and charitable organizations, offering asset management and educational programs through its institutional platform.

Pauline Johnson is a financial advisor at Thrivent Investment Management in Minneapolis, MN, holding a Series 66 designation and possessing 41 years of industry experience. She has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping these services distinct.

Sara Noyes is a financial advisor with Mass Mutual Investors Services in Minneapolis, MN, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked at Mass Mutual Life Insurance Company since 2020 and has been with M&E Catalyst and Mass Mutual Investors Services since 2015. Noyes also serves on the board of the Twins Community Fund, where she is involved in ticket sales. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved software and offers specialized services including estate-settlement and employer-sponsored planning programs.

Peter Schnobrich is a financial advisor at Cetera with four years of industry experience. He previously served in the United States Air Force for 21 years and worked at American Heritage Bank before joining Cetera in 2022. Schnobrich also serves as the treasurer for the Providence Academy Parent Association. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform with access to multiple program structures and custodial relationships.

Kelly Buda is a financial advisor with Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 designation and 22 years of industry experience. Prior to joining Wells Fargo in 2019, Buda worked at Allianz Life Insurance Co of North America and Questar Capital Corporation from 2011 to 2019. Outside of his advisory role, he holds power of attorney for both his spouse and sister in investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of investment advisory and fiduciary services. The firm’s approach is IPS-driven and based on modern portfolio theory, incorporating a broader set of financial products including insurance-related vehicles and bank deposit sweep options.

Craig Saeger is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Bank NA and Wells Fargo Advisors LLC. Outside of finance, he operates several outdoor-related businesses, including Walleye Daddy Fishing Guide Service, Limit Creek Rod Company, and Full Throttle Outdoors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michael Munger is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on serving high-net-worth individuals and families. He joined Merrill Lynch in 2019 and collaborates as part of the Norman Munger Wealth Management Team, working alongside Katherine Norman and Tracy Manson to provide comprehensive financial strategies. Their approach emphasizes long-term planning tailored to clients' financial, philanthropic, and legacy goals, with a disciplined investment process and meticulous risk management. Prior to joining Merrill Lynch, Michael began his career at Deloitte in Minneapolis, specializing in tax strategies for families, trusts, and private businesses. Although he does not provide tax advice in his current role, his background as a former CPA from a Big 4 firm contributes to his proficiency in portfolio strategy, stock option planning, retirement and estate planning, and insurance analysis. He holds a Bachelor's degree and a Master's degree in Accounting from the University of St. Thomas. Outside of his professional work, Michael is active in the Minneapolis/St. Paul community as a volunteer with Special Olympics and Junior Achievement. He is also involved in sports as an official for high school athletics through the Suburban Officials Association. His personal interests include boating, cooking, fishing, football, golfing, refereeing, skiing, soccer, spending time with his family, and table tennis.

Samuel Locke is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has prior work experience that includes roles at Bethel University and A&E Conrad. Outside of his advisory work, Locke is involved in real estate ownership unrelated to his investment activities. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals approaching or in retirement with substantial investable assets. The firm employs research-driven, tax-efficient strategies and combines algorithmic tools with professional oversight to deliver tailored, non-discretionary recommendations.

Philipp Wagener is a financial advisor at Wells Fargo Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles within Wells Fargo entities since 2008. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, covering diverse areas including retirement, education, risk management, and specialized planning needs.