Richard Caldecott II is a financial advisor at Pivotal Wealth and Tax with 11 years of industry experience. He holds a Series 66 designation and has worked at firms including J.P. Morgan Securities LLC, Valic Financial Advisors, and Wells Fargo Advisors. Pivotal Wealth and Tax provides investment advisory and financial planning services to individuals, corporations, and charitable organizations, combining portfolio management with bookkeeping and tax-filing solutions. The firm uses a multi-disciplinary analytical approach to portfolio construction and monitoring, and integrates advisory services with affiliated accounting and tax operations.

Matthew Sandstrom is a financial advisor at Pivotal Wealth and Tax with seven years of industry experience. He holds a Series 66 designation and has previously worked at Mass Mutual Investors Services, Edward Jones, and Chapwood Securities. Sandstrom is also an owner of Sands Planning Group, LLC, which provides business and project management consulting. Pivotal Wealth and Tax offers investment advisory and financial planning services to individuals, corporations, and charitable organizations, integrating portfolio management with bookkeeping and tax-filing support. The firm uses a combination of analytical methods to manage diversified portfolios and serves clients with no account minimums on an ongoing discretionary basis.

Mitchell Bernards is a financial advisor at Pivotal Wealth and Tax with a Series 65 designation and six years of industry experience. He has worked at Integrity LLC/Heartland Retirement Group since 2020 and previously held roles at Bankers Life and the EPA. In addition to his advisory work, he is a licensed life and health insurance broker through Integrity LLC, specializing in soliciting insurance products. Pivotal Wealth and Tax serves individuals, charitable organizations, and businesses by providing portfolio management, financial planning, bookkeeping, and tax-filing services. The firm combines advisory services with accounting, tax, real estate property management, and insurance practices, using a variety of analytical methods and investment strategies to manage client portfolios.

Aikan Major is a financial advisor at Pivotal Wealth and Tax with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Mass Mutual and Northwestern Mutual. Outside of his advisory role, he serves as treasurer for Project Restore MN, a nonprofit organization. Pivotal Wealth and Tax provides portfolio management, financial planning, bookkeeping, and tax-filing services to individuals, charitable organizations, and business entities. The firm integrates advisory services with accounting, tax, real estate property management, and insurance product sales, employing a range of analytical methods to construct diversified portfolios.

Justin Mundt is a financial advisor at Gibbs Wealth Management, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms including Mundt Wealth Management and Coppell Advisory Solutions. Mundt is also involved in consulting for CPAs and co-leads a proactive business advisory partnership with a tax professional. Gibbs Wealth Management provides discretionary investment advisory services to individual and high-net-worth clients through a model management program that utilizes third-party platforms and strategists, focusing on portfolio model selection and monitoring rather than proprietary security selection.

Michelle Boyum is a financial advisor at Benjamin F. Edwards & Company, Inc. with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services LLC and Charles Schwab. Benjamin F. Edwards & Company serves a diverse client base including individuals, pension plans, charitable organizations, and corporations. The firm offers comprehensive investment and financial planning services through fee-based wrap programs, utilizing both proprietary and third-party managed strategies across various asset classes.

Nancy Forsyth is a financial advisor with Cetera, holding a Series 63 designation and bringing 19 years of industry experience. She previously worked at Avantax Advisory Services and Avantax Insurance Services and has operated Bluff Country Financial Services since 2007. Outside of her advisory work, she organizes Girl Scout meetings and coordinates cookie sales in Houston, Minnesota. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party money managers, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

Jeffrey O'Donnell is a financial advisor with Ameriprise based in Rushford, MN, holding a Series 66 designation and 20 years of industry experience. He previously worked at LPL Financial for 13 years and has been involved with Chimney Rock Forestry since 2011. Outside of his advisory work, he serves as a volunteer fireman with the Rushford Fire Department. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research and modeling with tax-efficient strategies to produce personalized recommendation reports through a centralized consulting team.

Patrick Forsyth is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Cetera. His prior experience includes 12 years at Avantax Advisory Services and extensive involvement with Avantax Insurance Agency. Outside of his advisory role, he holds several community positions including president of the Houston United Campaign, board director roles at Valley View Healthcare and a mutual insurance company, and manages accounting for local organizations. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various investment program options, combining discretionary and non-discretionary management across numerous custodial relationships.

Scott Rustad is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 25 years of industry experience. He has been with Cetera Investment Advisers LLC since 2017 and with Cetera Investment Services LLC since 2010. Rustad also serves a role at F & M Community Bank, where he has worked since 2003. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, 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 comprising affiliated and third-party managers.

Samuel Rustad is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has worked previously in banking and food industry roles. Cetera Investment Advisers LLC is an SEC-registered firm that 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 nationwide network of independent advisors and supports multiple program structures and investment strategies.