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.

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.

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.

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.

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.

Nathan Davis is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior work includes roles at Liberty University and JD Kreps Financial Group, along with experience at Willmar Electric and Community Christian School. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that may include a range of investment vehicles, managing accounts on discretionary or non-discretionary bases.

Jeston Kok is a financial advisor with Edward Jones in Spicer, MN, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2017 and previously worked for Prairie Lakes Youth Programs from 2009 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of investment strategies and affiliated products. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Jonathan Kreps is a Certified Financial Planner® with 27 years of industry experience, currently advising at OSAIC since 2023. He previously worked at SagePoint Financial, Inc. for 14 years and has been associated with AIG American General Life Insurance Company since 2002. Kreps also owns JD Kreps Financial Group, where he incorporates insurance products like life, long-term care, and disability insurance when appropriate. OSAIC serves a diverse client base, including individual and institutional investors, offering brokerage and investment advisory services supported by advanced asset-allocation tools and third-party portfolio management solutions.

Jonathan Warner is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He has previously worked with Ameriprise Financial Services and Edward Jones. Warner is also involved in insurance brokerage, offering various non-variable insurance products including health, disability, and life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Todd Ahrenholz is a CFP® with 17 years of industry experience. He is currently affiliated with OSAIC and has worked at J.D. Kreps Financial Group, Inc. since 2009. Outside of his advisory role, Ahrenholz serves as a deacon board member at Willmar Assembly of God and volunteers as a Parent Life mentor with West Central MN Youth for Christ. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Thomas Gilbertson is a CFP® and ChFC® with 21 years of industry experience, currently affiliated with Cetera in Willmar, MN. His prior work includes roles at VOYA Financial Advisors and ongoing ownership of Gilbertson Management Group, Inc. He serves as a city councilor for the City of Willmar and is a finance committee member for the Prairie Wood Environmental Learning Center. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Morgan Mathison is a financial advisor with Cetera, holding a Series 66 license and two years of industry experience. In addition to his advisory role at Cetera, he serves as treasurer at GMW CPA Advisors, PLLC, where he prepares tax returns and provides small business consulting. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with various program options and affiliations.

Ashley Buer is a Series 66-licensed financial advisor with Ameriprise who has 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2006. Outside of her advisory role, she is employed as a paraplanner at Chris Madden Inc., where she manages practice operations. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with substantial investable assets. The firm provides written recommendation reports using research-driven, tax-efficient strategies and combines automated and personalized advice to support retirement planning.

Amanda Mccain is a financial advisor at Ameriprise with 19 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise Financial Services since 2012. Outside of her advisory role, she is employed as a paraplanner at Kyle K. Wallentine Financial Services, LLC, where she assists in managing practice operations. 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 retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Andy Boersma is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2011. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. Their approach includes holistic, goal-based analyses and planning on topics such as retirement, income tax, estate, business continuation, divorce, and special needs planning, with an option to combine planning with managed-account services under a consolidated billing program called WealthPlan.

Daniel Nelson is a financial advisor with Ameriprise in Spicer, MN, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Charles Schwab, Personal Capital Advisors Corporation, and SG Long & Company. He is also involved with Kyle K. Wallentine Financial Services LLC in a non-investment-related capacity. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Kyle Wallentine is a financial advisor with Ameriprise in Willmar, MN, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of his advisory role, he owns Kyle K. Wallentine Financial Services LLC, a business used for Ameriprise-related activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Aimee Peltier is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her prior roles include positions at Bremer Bank, Raymond James Financial Services, and a trust associate role spanning from 2009 to 2021. She is also involved with Basketball Class Of 2026 and Class Of 2028 Girls Basketball as an account signer. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to develop tailored recommendations.

Jennifer Shinn is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. She holds a Series 66 designation and is based in Willmar, MN. Edward Jones is a full-service wealth management firm that serves over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Devory Fischer is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and has worked at firms including Legacy Financial and NYLIFE Securities LLC. Outside of his financial advisory work, he owns and manages D&D Electric LLC, a utility electrical installation and service business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and retirement services.