Caroline Beuning is a financial professional with 15 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 licenses and has worked with firms including Securian Financial Services and CRI Securities. She is also involved with North Star Resource Group as a financial professional. Cetera Investment Advisers LLC serves a diverse client base ranging from individual investors to institutional and charitable organizations. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Thomas Berlin is a financial advisor with Edward Jones in Roseville, MN, holding the CFP® and ChFC® designations and the Series 66 license. He has six years of industry experience, including prior roles at K12 Transportation Management Services and founding Berlin Creative LLC. Outside of finance, he performs as a bassist with local music groups. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and affiliated financial services. The firm manages over $1 trillion in assets through a nationwide network of more than 23,700 advisors and offers both discretionary and non-discretionary investment strategies under a fiduciary standard.

Elspeth Weis is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2010. Outside of her advisory role, she works as a consultant for Beautycounter, a personal care product company. 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 model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Robert Starkey is a financial advisor at OSAIC with 29 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Securities America Advisors, Securities America, Inc., and SII Investments. In addition to his advisory role, he is licensed as an insurance agent. 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 utilizing model-based asset allocation and portfolio optimization within a multi-advisor platform.

Brian Baca is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He has been with Wells Fargo Bank, NA since 2010 and transitioned to Wells Fargo Clearing in 2023. Outside of his advisory role, he maintains ownership of a rental property in Cottage Grove, MN. 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 employs an IPS-driven approach grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep options.

Gary Aiken is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 66 credential and has worked at Cetera Advisors LLC since 2016, as well as operating Tonka Financial since 2011. Aiken serves as chair of the Golden Valley Business Council, a local business organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform allowing advisors to implement a range of portfolio strategies with discretionary and non-discretionary services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

Christian Tietz is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2018. His prior experience includes four years at Robert W. Baird & Co. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Matthew Bosway is a financial advisor with Raymond James Financial in Coon Rapids, MN, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2023, he worked for 20 years at 3M Company and spent two years at Sunscape Landscaping, LLC. He is also employed as a wealth advisor at MissionBridge Wealth, where he focuses on prospecting for new clients and servicing existing accounts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports its services with analytical tools and a broad network of affiliated advisors.

Timothy Sellner is a financial advisor with LPL Enterprise in St. Louis Park, MN, holding the ChFC® designation along with Series 63 and 65 licenses. He has 46 years of industry experience, including extensive tenure at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he serves as a trustee managing a family trust and holds power of attorney responsibilities for a family member. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is primarily model-driven, utilizing portfolios developed internally and by third-party strategists, with a focus on providing access to third-party asset managers and affiliated insurance and trust services.

Peyton Schuler is a financial advisor with LPL Financial holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2024, Schuler worked at Financial Dimensions Group, Inc. and Osaic Wealth, Inc. (formerly Royal Alliance Associates, Inc.). Outside of advising, Schuler has held various roles including positions at LifeTime Fitness, Amazon, and University of St. Thomas. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions with offerings including financial planning, model portfolios, third-party asset management, and institutional platforms.

Nicholas Morland is a financial advisor at Wells Fargo Clearing in Minneapolis, MN, holding a Series 66 designation with approximately one year of industry experience. His work history includes roles at Wells Fargo Clearing, Hard Work Yard Work, and Alerus, as well as multiple positions at North Dakota State University. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Dean Ravenscroft is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, Edward Jones, and service with the Department of the Army. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Cara Kinowski is a financial advisor with Wells Fargo Advisors in Minneapolis, MN, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm offers a wide range of planning services and leverages Wells Fargo research and planning tools to develop personalized recommendations.

Esmeralda Cortes Ruiz is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and five years of industry experience. Her background includes roles at Bank of America, Merrill, Fidelity Investments, and Travelers Insurance. Outside of her advisory work, she owns a floral arranging business and a construction-related company where she handles project billing and negotiation. 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 provides both brokerage and advisory solutions.

Jacob Heie is a financial advisor with MassMutual Investors Services holding Series 63 and Series 65 licenses. He has one year of industry experience and has previously worked at Equitable Advisors LLC and held roles outside finance, including positions at Pure Hockey and Majestic Oaks Golf Club. Heie also worked at the University of St. Thomas for four years. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning using firm-approved software and generally recommends investment categories and strategies, with implementation requiring separate arrangements.

Owen Fuls is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. before joining Wells Fargo. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven, incorporating modern portfolio theory and a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Brian Ewings is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, NA since 2011. 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 grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Matthew Bearth is a CFP® with six years of industry experience, currently affiliated with Cetera. His career includes roles at Bearth Financial Incorporated, AdvisorNet Wealth Partners, and Box Financial Advisors. Outside of his advisory work, he serves as an alumni ambassador for St. John Vianney Seminary in St. Paul, Minnesota. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting various program structures and custodial relationships.

Mariam Vedadi is a financial advisor at OSAIC with 18 years of industry experience. She holds the Series 66 designation and has worked at firms including SagePoint Financial, RiverSource Distributors Inc, and Comprehensive Financial Solutions LLC. She also operates Vedadi Wealth Management, an S-Corp that supports wealth management business operations and assists other advisors with client meeting preparation and follow-up. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization with a variety of managed account options and third-party manager programs.

Noah Dendinger is a financial professional with Cetera, holding a Series 66 credential and three years of industry experience. He has worked at firms including North Star Resource Group and Aaron Hatanpa - State Farm Agency. Outside of advising, Dendinger serves as president of the Justin Dendinger Foundation Inc., a nonprofit that organizes an annual fundraiser supporting high school graduates. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides access to multiple investment strategies through a multi-manager platform, combining discretionary and non-discretionary portfolio management with various program structures and third-party partnerships.