Joel Reimers is a CFA® charterholder with two years of industry experience, currently serving as a financial advisor at Sage Wealth Advisory in Willmar, MN. He previously worked at Bremer Bank, National Association, from 2003 to 2022, before retiring and then joining Sage Wealth Advisory in 2023. Sage Wealth Advisory provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and government entities. The firm uses fundamental and cyclical analysis along with Modern Portfolio Theory to guide investment decisions under discretionary authority, tailoring strategies to client risk tolerances and investment restrictions.

Jeffrey Schultz is a financial advisor at Sage Wealth Advisory with three years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Bremer Bank, National Association for sixteen years. Sage Wealth Advisory is a two-advisor registered investment adviser serving individuals, high-net-worth clients, charitable organizations, corporations, and government entities. The firm uses fundamental and cyclical analysis combined with Modern Portfolio Theory to build diversified, primarily long-term portfolios tailored to each client's goals and risk tolerance.

Michael Gramm is a CFP® with 12 years of industry experience, currently serving at Sutterfield Financial Group, Inc. in Willmar, MN, where he has worked since 2003. He is a Series 63 license holder and serves as a trustee for a family trust supporting a special needs relative. Sutterfield Financial Group provides financial planning, consulting, and investment management to individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm employs proprietary portfolio models overseen by an internal investment committee and offers additional services including accounting, tax preparation, and captive insurance management.

Jeremy Willner is a Series 66-licensed financial advisor with 29 years of industry experience. He is currently affiliated with CWM, LLC, where he has worked since 2018. His prior experience includes roles at VOYA Financial Advisors and Cetera Wealth Services. Outside of his advisory work, Willner serves as CEO and President of Mag Insurance Agency, LLC, and is a board member of the Paynesville Area Community Foundation. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios, combines fundamental and technical analysis, and offers a range of retirement-plan services including delegated fiduciary options.

Grant Fuchs is a financial advisor with CWM, LLC, holding a Series 65 designation and two years of industry experience. He has worked at Schlenner Wenner & Co. and currently serves as director of MAG Tax & Accounting, where he prepares tax returns. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, families, foundations, and institutions. The firm employs a discretionary investment approach using model portfolios overseen by an in-house Investment Committee and offers a range of portfolio management and retirement-plan services.

Daidre Bakke is a financial advisor at GWN Securities Inc. with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has been with GWN Securities since 2016. Outside of her advisory work, she leads worship and coordinates music at The Open Door Christian Church. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and access to third-party managers. The firm uses a mix of affiliated and unaffiliated sub-advisers and incorporates both strategic asset allocation and tactical, momentum-based investment approaches.

Hayden Willner is a CFP® and ChFC® with five years of industry experience, currently serving as an investment advisory representative at CWM, LLC. He has worked at multiple Cetera-affiliated firms and has a background that includes roles at MAG Wealth Management and Menards. Willner is also an insurance agent with MAG Insurance Agency Inc. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm employs a discretionary portfolio management approach using model portfolios overseen by an Investment Committee and offers a wide range of financial planning and retirement plan services.

Rick Wurst is a financial advisor with CWM, LLC, holding a Series 63 designation and over 32 years of industry experience. His career includes roles at Cetera, VOYA Financial Advisors, and Mag Wealth Management. Outside of his advisory work, he serves as Vice-Chair on the Board of Directors for St. Cloud Federal Credit Union and also works as a tax preparer at Mag Tax and Accounting, LLC. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement plan services, utilizing model portfolios, fundamental and technical analysis, and third-party sub-advisors.

Michael Kobs is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Cetera and its affiliated entities since 2025 and has a background that includes roles in fiduciary appointments, insurance sales, and estate consulting. Outside of his advisory duties, he is president of MRK Financial Solutions, where he conducts business consulting. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary investment solutions and has over $256 billion in assets under management and more than 10,000 advisors nationwide.

Craig Popp is a CFA® charterholder with 24 years of experience in the financial industry. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has ownership roles in Accru Wealth and Popp Capital Partners, which serve as support companies for his advisory activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports a range of advisory programs, with specialized services such as municipal and public-finance advisory and SIMPLE IRA employer consulting.

Heather Kahlbaugh is a financial advisor with Wells Fargo Advisors in Willmar, MN, holding a Series 66 designation and bringing 19 years of industry experience. She has been with Wells Fargo Advisors and its affiliated entities since 2011. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services, utilizing Wells Fargo research and planning tools. The firm provides tailored recommendations across various planning needs, including specialized services such as business-owner transition planning and special-needs analysis.

Christine Doyle is a financial advisor with Wells Fargo Advisors in Willmar, MN, holding a Series 66 license and 20 years of industry experience. She has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2011. Outside of her advisory role, she serves as co-trustee for family trusts and holds power of attorney for a family member. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services that include retirement, education, risk management, and niche areas such as business-owner transitions and special-needs analysis. The firm combines proprietary research and planning tools with optional implementation through its brokerage or advisory programs.

Timothy Mattern is a financial advisor with LPL Financial in Willmar, MN, holding a Series 66 designation and nine years of industry experience. His career includes roles at Avantax Insurance Agency, Avantax Advisory Services, and Cetera, among others. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services implemented through various investment strategies.

Cameron Nelson is a financial advisor with Wells Fargo Advisors in Willmar, MN, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2011. Nelson is also the owner of Northstar Wealth Advisors Corp. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients through a broad menu of financial planning and investment services. The firm offers tailored recommendations using proprietary research and tools, with planning engagements typically structured as discrete projects.

Scott Olson is a financial advisor with Osaic Wealth, Inc. based in Willmar, MN. He holds a Series 66 designation and has seven years of industry experience. His prior roles include positions at Sagepoint Financial, Inc. and J.D. Kreps Financial Group. Olson also served as a registered assistant at J.D. Kreps Financial Group, supporting client account management and meeting preparation. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through an extensive network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using various tools and third-party resources to construct diversified portfolios and manage accounts on discretionary or non-discretionary bases.

Kami Ochsendorf is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, Kami held positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of financial advising, Kami coaches youth volleyball at Providence Academy. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice while emphasizing assets held in Ameriprise-managed accounts.

Jeanne Ashburn is a CFP®-certified financial advisor with Edward Jones in Willmar, MN, where she has worked since 2014. She has 17 years of industry experience and previously co-owned BBQ JEMZ LLC for three years. Ashburn is also involved in real estate through her role as co-owner and vice president of JMA Property Group, where she assists with bookwork and property management. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm manages over $1 trillion in assets and maintains a large national network of financial advisors and branch offices.

Lyle Gerhardson is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. He has worked with multiple firms, including Avantax and RGW Wealth Management, where he is also an owner and financial advisor. Outside of his advisory work, Gerhardson serves as a member and director of a CPA firm providing tax preparation and small business consulting, and he participates in local high school football games as a sideline chain crew member. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with various discretionary and non-discretionary program options, managing over $256 billion in assets through a large network of independent advisors.

Paul Stageberg is a financial advisor with Cetera in Willmar, MN, holding a Series 63 designation and 35 years of industry experience. He has worked at Cetera since 2005 and is also affiliated with Lake Region Bank. Outside of his advisory role, he develops newsletters for businesses, reviews investment documents for a law firm, and engages in educational talks about the stock market with high school students. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 multiple program structures and both affiliated and third-party managers.

Evan Wilson is a CFP® professional with 11 years of experience, currently serving at Wells Fargo Advisors since 2019. His prior roles include five years at Wells Fargo Clearing and one year at Wells Fargo Advisors, LLC. Outside of his advisory work, he manages Evan Wilson Farms and serves on the finance committee for the United Way of West Central Minnesota. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes specialized services such as business-owner transition and special-needs planning. Advisors use firm research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.