Joel Ratz is a financial advisor with Ameriprise, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise is an institutional firm offering retirement-income planning services primarily for clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Jessica Berg is a financial advisor with Thrivent Investment Management in Osseo, Wisconsin, holding Series 63 and Series 65 licenses with 10 years of industry experience. She previously worked at Royal Credit Union, LPL Financial, and INVEST Financial Corp. Outside of her advisory role, she owns and operates a hobby farm involved in the sale of cattle and other livestock. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other financial planning topics. The firm’s approach combines goal-based analyses and flexible service options without discretionary trading authority.

Krista Caucutt Ratz is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she owns Caucutt-Ratz Tax Preparation LLC, a tax preparation business. Ameriprise offers retirement-income planning services primarily for clients with at least $1 million in investable assets, delivering tailored written recommendations that incorporate tax-smart withdrawal strategies and Social Security claiming options. The firm combines research, modeling, and automated tools overseen by a dedicated team to support its advisory approach.

Adam Zawilenski is a financial advisor with LPL Enterprise holding a Series 66 designation and five years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he is involved with Foster Bar and Grill in Osseo, WI. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, consulting, and access to third-party asset managers.