Thomas Riester is a financial advisor with Cetera, holding a Series 63 designation and over 40 years of industry experience. His career includes roles at OnTrac Financial since 1990 and Cetera Wealth Services, LLC since 2013. In addition to his advisory work, he owns and operates a fixed insurance business covering life, health, disability, annuities, long-term care, and property and casualty insurance. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Michael Haas is a financial advisor with LPL Financial in Oakdale, MN, holding a Series 63 designation and 26 years of industry experience. He has worked at LPL Financial since 2014, with a brief period at Sii Investments from 2014 to 2018. Haas also owns a business entity for tax and investment purposes unrelated to advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, with advice delivered through a network of investment adviser representatives.

Ella Hennen is a financial advisor at Ameriprise in Minneapolis, MN, holding a Series 66 designation with five years of industry experience. She has worked at Ameriprise since 2019 and has prior work experience including roles at The Finnish Bistro, Minneapolis Downtown Council, Taxxa LLP, The Library Bar, and the University of Minnesota - Twin Cities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, featuring a written Recommendation Report and ongoing advice based on proprietary research and third-party data.

Erik Andrews is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Cetera and its affiliated entities, having joined in 2023, and has held prior roles at Minnesota Life Insurance Company, Securian Financial Services, and C.R.I. Securities. Outside of his advisory work, he serves as a volunteer treasurer for his daughter’s hockey team and acts as an agent/broker with North Star Consultants. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Howard Bryant is a financial advisor with Ameriprise in Stillwater, MN, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its related entities since 2015. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Joan Lessner is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. She has worked at several Cetera entities since 2023 and previously spent 13 years at Securian Financial Services and 16 years at Minnesota Life Insurance Company. Outside of her advisory role, she owns two Etsy shops where she makes and sells quilted items and head scarves for cancer patients. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Ronald Lutes is a financial advisor at Thrivent Investment Management in Minneapolis, MN, with 38 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2005. He holds the Series 63 and Series 66 securities licenses. 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 planning and an option to combine planning with managed accounts under a consolidated billing program called “WealthPlan,” while keeping the services separate.

Isaac Bumgardner is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and six years of industry experience. He has held multiple roles since 2017 across firms including Avantax, Infinex Investments, and Alerus. He serves as Director of Wealth Management at HK Wealth Management, LLC, and is involved as a director at Harvest Valley Church. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that allows advisors to implement model portfolios, third-party managers, or customized strategies.

Matthew Tonsager is a financial advisor at RBC Capital Markets in Minneapolis, MN, with 16 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2011. Outside of his advisory role, he is a co-owner of Gullton, LLC, a carpentry and woodworking business. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual, institutional, and charitable investors. The firm offers tailored investment strategies through multiple advisory programs, combining in-house and third-party managers with options for personalized portfolio management and financial planning.

John Klapperich is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise since 2015. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice delivered by a centralized consulting team, with an emphasis on assets managed within Ameriprise accounts.

Wesley Sharp is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. He has worked at Cetera since 2023 and previously spent ten years with Securian Financial Services and Minnesota Life Insurance Company. In addition to his advisory roles, Sharp has worked as an independent author and maintains business activities in financial services through his firms North Star Resource Group and WS Consulting LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies across various program structures.

Ingrid Odegaard is a financial advisor with Ameriprise in Minneapolis, MN, holding Series 63 and Series 66 designations and having 20 years of industry experience. She worked at American Enterprise Investment Services Inc. for 11 years before joining Ameriprise in 2022. 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 advice focused on dependable income and tax-aware withdrawal strategies.

Linnea Nielsen is a financial advisor at Ameriprise with nine years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services since 2014. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm uses a centralized consulting team and combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through written reports.

Nico Sacchetti is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at RBC Capital Markets since 2016 and previously at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and using a mix of in-house and third-party investment managers.

Thomas Clement is a financial advisor with Primerica Advisors in White Bear Lake, MN, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has worked with Primerica Financial Services since 2003 and PFS Investments, Inc. since 2004. His outside activities include part-time sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and select separately managed accounts for individual and high-net-worth clients, operating primarily as a wrap-fee solution rather than serving institutional pension or profit-sharing plans.

Mark Paolucci is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior roles include positions at JP Morgan Chase Bank, N.A., J.P. Morgan Securities, and Schwab Private Client Investment Advisory, Inc. He is based in Woodbury, MN. Charles Schwab & Co., Inc. serves a large client base focused primarily on high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside a structured alternative-investment offering.

Logan Rowe is a financial advisor with Cetera who holds a Series 66 designation and has one year of industry experience. Prior to his current role, he worked in various positions including welding and automotive sectors. Outside of advising, he is involved as a financial advisor for North Star Resource Group and has experience in fixed insurance sales. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, overseeing more than $256 billion in assets.

William Ringham is a financial advisor with RBC Capital Markets in Minneapolis, MN, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves as a council member for the America Endowment Foundation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs and portfolio management services that integrate both in-house and third-party investment managers.

Clayton Harrison is a financial advisor with Ameriprise in Saint Paul, MN, holding Series 63 and Series 65 licenses and having 16 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is a co-owner of Harrison Cycle LLC, a bicycle rental business. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through its institutional platform.

Aaron Titze is a CFP® with 29 years of industry experience, currently affiliated with OSAIC since 2024. He has spent much of his career at Fortis Investors, Inc. since 1997. Outside of his advisory work, he is a co-owner of GT Financial Advisors, LLC, which provides fixed annuities and life insurance. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include a variety of investment types.