Davis Breen is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has been affiliated with Cetera and its related entities since 2017. Outside of his advisory role, he is involved as a client support specialist at Sterling Retirement Resources. Cetera Investment Advisers LLC is a nationwide firm serving individual, corporate, charitable, and institutional clients with a range of portfolio management and retirement services. The firm offers multiple program options and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Joseph Simonett is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for five years before joining Charles Schwab and its affiliated bank in 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a comprehensive wealth advisory program that combines non-discretionary investment guidance with access to discretionary separately managed accounts. The firm’s integrated structure and multi-asset model portfolios support its extensive client base with centralized custody and advisory services.

Satoru Asato is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Asato has worked at Raymond James Financial Services Advisory, Inc. since 2008 and was previously involved with McNellis & Asato, Ltd, an independent financial advisory business where he serves as president. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and outside managers, often acting in an advisory and implementation-support role rather than as a delegated manager.

Chad Bovee is a financial advisor with Merrill, holding a Series 66 designation and 24 years of industry experience. He has been affiliated with Merrill since 2000 and with Bank of America since 2011. Outside of his advisory role, he serves as a part-time soccer referee for the Tonka United Soccer Association, a nonprofit organization. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jian Yang is a CFP® with 11 years of industry experience and has worked at Edward Jones since 2014. He is based in Wayzata, MN, and holds the Series 66 designation. 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 through a nationwide network of more than 23,700 financial advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

John Gutowsky Jr. is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and has previously worked at SagePoint Financial Inc. and Cetera Advisors LLC. He serves on the board of the Fellowship of Christian Athletes, a nonprofit organization. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

Steven Rowan is a financial advisor with Mass Mutual Investors Services in Plymouth, MN, holding a Series 66 designation and 22 years of industry experience. He has worked with MassMutual Life Insurance Co. and MML Investors Services Inc. since 2009. Rowan also works as an insurance broker, focusing on sales and service of traditional and fixed indexed insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, providing recommendations based on firm-approved analysis tools.

Adam Dveris is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank, N.A. since 2001, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Judy Fredrickson is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds the Series 66 designation and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Jeffrey Schwingler is a financial advisor at OSAIC with 15 years of industry experience and holds a Series 66 designation. Prior to joining OSAIC in 2024, he worked for Woodbury Financial Services Inc. for eight years. He is also a principal at Pathway Financial Advisors, a partnership involved in insurance products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage portfolios across multiple asset classes.

Lauren Boulware is a financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank since 2016 and was previously with RBC Capital Markets Corporation from 2009 to 2016. She holds a Series 66 credential. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery conversations and planning tools as part of its financial planning process.

Kadee Watkins is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 66 credential and has worked at multiple firms including Morgan Stanley Private Bank, N.A. and LPL Financial, LLC. Outside of her advisory role, she is involved as a fitness instructor with The Barre and serves on the finance committee of the Orono Foundation for Education. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers both retail and institutional investment solutions.

Peter Eckerline is a financial advisor with RBC Capital Markets in Wayzata, MN, holding Series 63, Series 65, and Series 66 licenses. He has 37 years of industry experience, including roles at Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base ranging from individual investors to institutional clients. The firm offers a variety of advisory programs with tailored portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Evan Kvittem is a CFP® with 11 years of industry experience, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial from 2015 to 2023. Kvittem is also involved in insurance sales and servicing through a sole proprietorship and holds a leadership role as Vice President/Treasurer of EKE LLC, which manages business funds for affiliated advisors. OSAIC Wealth, Inc. serves a broad client base including retail and institutional investors, offering integrated brokerage and advisory services. The firm employs a variety of investment tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

Jennifer Hicks is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, previously serving at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. She is based in Wayzata, MN. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both discretionary and non-discretionary services tailored to plan objectives and demographics.

Carol Sullivan is a Series 66-licensed financial advisor with 16 years of industry experience. She has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Outside of her advisory role, she operates a sole proprietorship in the advertising specialty and promotions business, servicing existing customers. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option.

Andrea Radke is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior roles include positions at City National Bank, Jefferies, and Heritage Partners Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies incorporating both in-house and third-party investment managers.

Crystal Hatteberg is a financial advisor at OSAIC with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Royal Alliance Associates, Cetera Advisor Networks, and Stevens Foster Financial Advisors. She also serves as Chief Operating Officer and Director of Operations for Eagle Creek Financial Advisors, a financial planning business. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of affiliated advisors. The firm offers integrated advisory and brokerage services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct portfolios across a range of asset classes.

Christina Asmus is a financial advisor with Ameriprise Financial Services in Bloomington, MN, holding a Series 66 designation and 12 years of industry experience. She has worked with Ameriprise since 2013 and is also the owner of Sassypants Photography, a photography business. In addition, she owns CASMUS LLC, a finance-related business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Anthony Schuster is a CFP®-designated financial advisor with Ameriprise, possessing 23 years of industry experience. He has been with Ameriprise since 2009. Outside of his advisory role, he provides financial planning advice and investment management recommendations through his outside employment with WDA, Inc. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a retirement income service that provides clients with written recommendations and ongoing planning advice focused on income and tax-aware withdrawal strategies.