Paul Melancon is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 26 years of experience in the financial advisory field. In his role as a Portfolio Manager within Merrill's Investment Advisory Program, Paul focuses on developing and implementing customized investment strategies to help clients achieve their financial goals. His approach prioritizes clients' objectives while maintaining attention to market dynamics. Paul's expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds an MBA in Finance from the University of Chicago Graduate School of Business and a bachelor's degree in Finance from the University of Wisconsin-Madison. Additionally, Paul has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional activities, Paul lives in Minneapolis with his wife and two children. He volunteers at Loaves and Fishes, contributing to food preparation and distribution for those in need. His personal interests include cooking, hiking, reading, spending time with his family, and traveling.

John Walsh is a financial advisor with RBC Capital Markets and holds Series 63 and Series 65 designations. He has 32 years of industry experience and has been with RBC Capital Markets since 2010. He also has a concurrent role at City National Bank beginning in 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various fee-based advisory programs and customizes investment strategies based on each client’s Advisory Risk Profile, utilizing both in-house and third-party investment managers.

Lucas Ratanawong is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 66 designation and four years of industry experience. He has been with Ameriprise and its affiliated entities since 2020. Prior to his career in finance, he worked in roles including at Shoreline Sightseeing in Chicago and held positions related to parks and recreation and education. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Abebi Stafford is a financial advisor with Ameriprise in Saint Paul, MN, holding a Series 66 designation and nine years of industry experience. She has been with Ameriprise since 2015 and is also affiliated with the Metropolitan Center for Independent Living. Outside of her advisory role, she performs piano and organ music. Ameriprise serves individuals approaching or in retirement, offering retirement-income planning services that include written recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored recommendations, primarily for clients with significant investable assets managed through Ameriprise.

Fred Lawless II is a CFP® and ChFC® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He has been with Ameriprise Financial Services and its affiliated entities since 2005. Outside of his advisory role, he owns LCBO, LLC, a business related to managing his Ameriprise practice. Ameriprise is a large institutional firm that provides retirement-income planning services primarily for individuals with significant investable assets. The firm combines research and modeling with tax-efficient strategies to deliver customized, non-discretionary retirement income recommendations through a centralized consulting team.

Russell Lewis III is a financial advisor with RBC Capital Markets in Stillwater, MN, holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked at RBC Capital Markets since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Lewis serves on the board of the IDTS Medical Foundation, a nonprofit organization supporting patients who cannot afford respiratory care. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs and employs tailored investment strategies using both in-house and third-party managers.

Michael Davison is a financial advisor with Ameriprise in Minneapolis, MN, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. 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 retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Clayton St George is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Fortis Investors, Inc. and Fortis for over 30 years. Outside of advisory work, he is involved in fixed insurance sales. OSAIC serves a diverse client base including individual, high-net-worth, pension, and institutional investors through a broad network of affiliated advisers and advisory platforms, offering integrated brokerage and advisory services with a focus on asset allocation and portfolio construction using a variety of investment products.

Braden Dodds is a financial advisor with Osaic Wealth, Inc., holding a Series 66 designation and one year of industry experience. He has prior experience at Wells Fargo Home Mortgage, where he worked for ten years. Dodds operates an investment advisory LLC, Dodds Investment Solutions, using Osaic as the broker-dealer. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment solutions, utilizing asset allocation tools and offering access to third-party money managers and wrap programs.

Richard De Souza is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services for busy professionals. He focuses on retirement planning, college education planning, insurance and risk mitigation, financial strategies, legacy planning, and access to lending and cash management services through Bank of America. Richard works closely with his clients to develop clear financial goals and strategies, enabling them to preserve their most important assets and concentrate on their careers and families. With over 14 years of experience in the financial services industry, Richard began his career in 2008 and has since supported clients through various complex financial needs, including portfolio management and retirement income distribution planning. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) certification. Richard earned a Bachelor's degree from the University of Minnesota System. Richard lives in Minneapolis and volunteers with Books for Africa, a nonprofit organization dedicated to collecting and distributing books to African students. In his free time, he enjoys biking, cooking, golfing, music, soccer, table tennis, and traveling.

Nathan Schmid is a financial advisor with UBS Financial Services in Minneapolis, MN. He holds a Series 66 designation and has been in the industry since 2025. Prior to joining UBS, he worked at Northwestern Mutual and held various roles in other industries including food service and aviation. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm uses proprietary research and model-based asset allocations to tailor investment plans and offers a wide range of wealth management, trading, and capital markets services.

Adam Johnson is a financial advisor with Ameriprise in Woodbury, MN, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliate since 2010. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brandon O Hara is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Wealth Enhancement Advisory Services, LPL Financial, Cetera Advisor Networks, and Thrivent Investment Management. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, providing comprehensive, goal-based planning across various financial topics without discretionary portfolio management.

Christel Ingles is a financial advisor with Ameriprise in Minneapolis, holding a Series 66 designation and eight years of industry experience. She previously worked at Northwestern Mutual - Columns Resource Group from 2010 to 2018 before joining Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a written Recommendation Report and ongoing advice. The firm’s approach integrates proprietary investment research and third-party data to support tax-aware withdrawal strategies and Social Security claiming options.

Matthew Adey is a financial advisor with Morgan Stanley Wealth Management in St. Paul, MN, holding a Series 66 designation and offering 21 years of industry experience. His prior roles include positions at PGIM Investments, LLC, and Prudential Investment Management Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Courtney Saul is a financial advisor with Wells Fargo Clearing in Minneapolis, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, Saul worked at Thrivent Financial and Wings Credit Union, among other roles. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related products and bank deposit sweep programs.

Christopher Pankratz is a CFP® with 38 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has worked at Financial Dimensions Group, Inc. for 23 years and has been with Osaic Wealth, Inc. (formerly Royal Alliance Associates, Inc.) for over 31 years. In addition to his advisory role, he owns a sole proprietorship providing life and long-term care insurance services. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage, investment advisory, and financial planning services. The firm uses various tools for portfolio construction and supports multiple advisory platforms and third-party managed account solutions.

Thomas Westlund is a financial advisor with Ameriprise in Excelsior, MN, holding Series 63 and Series 66 designations and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to provide tailored, algorithm-assisted recommendations primarily for assets managed within Ameriprise accounts.

Emma Broderick is a Financial Consultant I specializing in helping clients pursue their financial goals through trust, transparency, and ongoing guidance. She focuses on creating an environment where clients feel safe and supported in making informed financial decisions. Emma works collaboratively with clients to develop personalized financial plans that provide clarity and confidence at every stage of life. Outside of her professional role, Emma has interests in fitness, food, gardening, music, outdoor adventures, and parenthood.

Patrick Zastrow is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Primerica Financial Services since 1999 and with Primerica Advisors since 2018. Outside of advisory roles, he is involved part-time in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing, with approximately $15.5 billion in assets under management.