Gina Rypkema is a CFP® with 25 years of experience in the financial industry. She currently works at Ascentis Independent Advisors, LLC, joining the firm in 2026 after three years at Golden State Equity Partners and 21 years at Ameriprise Financial Services, Inc. She serves as a board member and treasurer for the Walker Area Pregnancy Support Center. Ascentis Independent Advisors provides asset management, comprehensive portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, pension and profit-sharing plans, and business entities. The firm offers tailored investment advice utilizing discretionary management, third-party managers, and a Private Direct Investments program focused on illiquid private funds.

Heather Bjorgaard is a Series 65-licensed financial advisor at Ascentis Independent Advisors, LLC with two years of industry experience. She previously held roles at Golden State Equity Partners, LLC and Arise Wealth Management, and operated Heather Bjorgaard Childcare for nine years. Ascentis Independent Advisors serves individuals, trusts, estates, pension and profit-sharing plans, and business entities with customized asset management and financial planning services. The firm employs a variety of investment strategies, including discretionary management, third-party managers, and private direct investments, and offers comprehensive portfolio monitoring and rebalancing.

Shelley Lof is a financial advisor at Ascentis Independent Advisors, LLC with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Inc. and Golden State Equity Partners. Outside of advisory work, she is involved with Rypkema Operations, LLC. Ascentis Independent Advisors serves individuals, high-net-worth clients, trusts, estates, pension and profit-sharing plans, and business entities by providing asset management, financial planning, and retirement plan consulting. The firm employs a variety of investment strategies, including discretionary management and third-party managers, and offers access to private direct investments under a structured allocation policy.

Derek Ricke is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he was involved with the Park Rapids Lakes Area Chamber of Commerce for four years and Minnesota Hockey Inc for ten years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, discretionary and non-discretionary investment strategies, and affiliated financial products.

Timothy O'Donnell is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Morgan Stanley and its related entities since 2007. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured analysis tools and strategic investment modeling.

Kristen Daniels is a financial advisor at Cetera with 39 years of industry experience. She holds a Series 63 designation and has worked with various Cetera entities since 2003. Outside of her advisory role, she assists at the Barking Birch, a dog daycare, a few weekends each year. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios.

Christopher Duff is a financial advisor with Primerica Advisors in Park Rapids, MN, holding Series 63 and Series 65 licenses and having nine years of industry experience. His work history includes roles outside finance such as laborer at Lampert's Cabinets and owner of a seasonal window washing business, alongside involvement in real estate investing as a partner. He also has experience in education with Walker Public School and School District #113. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and offers discretionary separately managed account options, operating at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Marsha Smith is a Series 66-licensed financial advisor with LPL Financial, based in Park Rapids, MN, and has 10 years of industry experience. She previously worked at Investment Centers of America from 2013 to 2017 and has served as an administrative assistant at Citizens National Bank. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Neil Litfin is a financial advisor with Edward Jones in Park Rapids, MN, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Smokey Hills Outdoor Store and O'Reilly's Auto Parts. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Daniel Pike is a financial advisor with Edward Jones in Park Rapids, MN, holding CFP® and Series 66 credentials and having nine years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management supported by a nationwide network of over 23,000 financial advisors and 15,000 branch offices. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

Brian Behrens is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 20 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Thrivent Financial for Lutherans. Behrens serves as a board member for the Itasca Mantrap Electric Co-Op and is a supervisor on the Lake Emma Township Board. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing a range of investment strategies with both discretionary and non-discretionary management.

Jay Pike is a financial advisor with Edward Jones in Park Rapids, MN, holding a Series 63 designation and 26 years of industry experience, all with Edward Jones since 2000. Outside of his advisory role, he serves as a school board member for Park Rapids Area Schools and is a board member of St John's Lutheran Church. He is also involved in managing farmland through Prairie Pine Farm LLC. Edward Jones is a full-service wealth management firm serving a diverse client base including individual and institutional clients. The firm offers a range of investment strategies and advisory services, managing over $1 trillion in assets with a large network of financial advisors and branch offices nationwide.

John Martin is a CFP® professional with 21 years of industry experience. He has been with LPL Financial since 2017 and previously worked at Investment Centers of America, Inc. and Fintegra, LLC. Outside his advisory work, he is involved with ICAG Insurance Agency, providing non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kami Evers is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS since 2010 and holds a Series 66 designation. Outside of her advisory role, she works as a retail sales associate and cashier at Home Depot and is a certified notary. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Frank Ward is a financial advisor at Raymond James Financial with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked in various roles at firms including Ameriprise, Wells Fargo Clearing, First National Bank of Omaha, and FNBO. Ward is also a senior manager and advisor at First Investments and Planning. 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 offers tailored, non-discretionary investment consulting and supports municipal and public-finance work through unique affiliations.

Monica Harsha is a financial advisor with LPL Financial, holding a Series 66 designation and beginning her advisory career in 2025. Her prior experience includes positions at Citizens National Bank, the University of Minnesota Hubbard County Extension Office, and entrepreneurial work with We Sell Your Stuff, Inc. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.