Robin Schaa is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Dakota Wealth, LLC. Prior to joining Dakota Wealth, Schaa spent 11 years at Ledge Wealth Management, Inc. She serves as board secretary and a member of the fiscal and governance committees for Anna Marie's Alliance, a women's shelter supporting victims of domestic violence. Dakota Wealth Management provides investment advisory and comprehensive wealth management services to individuals, trusts, retirement plans, foundations, and other entities. The firm constructs customized portfolios using diversified allocations across various asset classes and employs a combination of fundamental, technical, and cyclical research methods.

Kurt Durrwachter is a CFP® with 26 years of industry experience and is currently with Dakota Wealth, LLC. His prior experience includes roles at Securities Service Network and Ledge Wealth Management, Inc. He holds a Series 63 license. Dakota Wealth, LLC serves a diverse client base including individuals, trusts, foundations, retirement plans, charitable organizations, and business enterprises. The firm offers customized, long-term portfolio management with a focus on mutual funds, ETFs, individual equities, fixed income, and alternative investments, and it actively manages private funds and serves as a sub-adviser to a registered ETF.

Marshall Grams is a CFP® with seven years of industry experience, currently serving as a financial advisor at Dakota Wealth, LLC since 2024. His prior roles include positions at Ledge Wealth Management, Inc. and TD Ameritrade, Inc. Grams also serves as a helicopter pilot with the Minnesota Army National Guard, a role he has held since 2007, and acts as the treasurer for the St. Cloud Regional Airport Authority. Dakota Wealth, LLC provides wealth management and advisory services to a diverse client base, including individuals, trusts, foundations, and business enterprises. The firm constructs customized long-term portfolios using a range of investment vehicles and maintains an active role in managing private funds and registered ETFs.

Gina Bartell is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Dakota Wealth, LLC. Her prior roles include positions at Purshe Kaplan Sterling Investments, Ledge Wealth Management, Inc., and Securities Service Network. Dakota Wealth Management offers comprehensive wealth management and investment advisory services to a diverse client base, including high-net-worth individuals, trusts, retirement plans, and charitable organizations. The firm employs a customized, diversified investment approach utilizing various asset classes and combines multiple research methodologies, with additional capabilities such as managing registered mutual funds and acting as sub-adviser to ETFs.

Christopher Chapman is a financial advisor at Prospera Financial Services, Inc. with 19 years of industry experience. He has held his current role since 2019 and previously worked for Wells Fargo Advisors Financial Network LLC for 10 years. He holds the Series 66 designation. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and other business entities, offering financial planning, portfolio management, and access to various advisory programs and platforms.

Paul Schmidt is a financial advisor with Focus Financial, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. His prior roles include positions at OSAIC, LPL Financial, and SII Investments, Inc. He also serves as president of Palisade Investments, Inc., an S-Corp established for tax purposes related to his securities business. Focus Financial Network, Inc. is an enterprise investment adviser managing approximately $6.3 billion through a network of 118 advisors. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporate clients, offering a range of managed accounts, third-party manager access, retirement plan consulting, and financial planning services.

Samuel Ronlund is a financial advisor at Dakota Wealth, LLC with 27 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Ledge Wealth Management, Inc. and Securities Service Network, Inc. Outside of his advisory work, he is a 10% owner of Tandem Bagels, a small business in Northfield, MN, though he holds no active role there. Dakota Wealth Management provides investment advisory and wealth management services to individuals, trusts, retirement plans, foundations, charitable organizations, and business enterprises. The firm constructs customized portfolios using a diversified mix of investment vehicles and employs a combination of fundamental, technical, and cyclical research methods, serving both high-net-worth clients and institutional investors.

Nathan Bosek is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Farther. His prior roles include positions at Edge Financial Advisors, Alpha Cubed Investments, and Raymond James/Bremer Bank. He is also licensed to sell life and health insurance, though he dedicates no hours weekly to this activity. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs a Modern Portfolio Theory-based investment approach using bespoke and algorithmic model portfolios, focusing primarily on ETFs, mutual funds, equities, and fixed income.

Mark Reimer is a financial advisor with SPC in Sartell, MN, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Parkland Securities, LLC since 2014 and at Sigma Planning Corp since 2002. He serves as a board member of the Rice Area Sportsman Club in Rice, MN. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a large network of advisers and manages approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering discretionary management and working with third-party investment managers in co-advisor roles.

Stacy Anderson is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with multiple firms including Avantax and Midwest Financial Group. Anderson is actively involved in nonprofit organizations, serving in financial roles for groups such as the Minnesota Girls Hockey Coaches Association and Sartell-St. Stephen Dollars for Scholars. Cetera Investment Advisers LLC is an SEC-registered adviser offering a wide range of services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides access to various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, supported by a nationwide network of independent advisors.

Juliet Beack is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Jeffrey Dorfsman is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and three years of industry experience. His background includes roles at Medtronic, Lyft Inc, and a 22-year tenure with the City of Plymouth. Outside of his advisory work, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Janice Uberecken is a financial advisor at LPL Enterprise with 33 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining LPL Enterprise in 2024, she spent 31 years with Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities through a large network of investment adviser representatives. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs, along with affiliated trust and insurance services.

Drew Lechner is a financial advisor at LPL Enterprise with Series 65 and Series 63 credentials and eight years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Northwestern Mutual, AXA Equitable, and Dicks Sporting Goods. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional services such as financial planning, access to third-party asset managers, and insurance product facilitation.

Joseph Tetrault III is a Series 66-licensed financial advisor with Edward Jones in St Cloud, MN, where he has worked since 2014. He has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Margo Scepaniak is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Woodbury Financial Services Inc and LPL Financial. She is also the owner of Black Financial Services, Inc., a corporation involved in both financial services and the sale of life and health insurance. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on diversified portfolio construction using firm-provided tools and access to third-party money managers.

Tyler Walz is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 11 years of industry experience. He has worked with multiple firms including North Star Consultants, Minnesota Life Insurance, and Securian Financial Services. Walz also owns and manages two rental property LLCs in Sartell, MN. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with various program structures and custodial arrangements.

April Mastey is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has worked with LPL Financial since 2011 and previously with Miller Johnson Steichen Kinnard, Inc. from 2002 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms through a large network of investment adviser representatives.

Lacy Plemel is a financial advisor at Equitable Advisors with two years of industry experience and holds the Series 66 designation. Prior to joining Equitable Advisors, Plemel has held leadership roles in several private businesses, including Plemel Medical & Consulting LLC and Plemel Roof Technologies LLC. She also serves as an Executive Assistant for the Minnesota Society of Plastic Surgeons, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers these services through a network of Investment Adviser Representatives, utilizing various third-party asset managers and advisory programs.

Matthew Boenish is a financial advisor with Edward Jones in Sartell, MN, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Brian Lutzke is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked at Vision Cents Optical for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies and operates under a fiduciary standard.

Troy Molitor is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Edward Jones since 2002. Earlier in his career, he built a multi-level marketing business with Amway from 1991 to 1995. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Adam Schlichting is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to his career in financial advising, he spent twelve years at Luther St Cloud Honda. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Janessa Sobania is a financial advisor with LPL Financial holding a Series 66 credential and eight years of industry experience. Her work history includes roles at CUNA Brokerage Services, Magnifi Financial Credit Union, and she has been affiliated with Saint Cloud Technical and Community College since 2014. Outside of financial services, she serves as a brand ambassador for Andar, a retail leather goods company, and as a brand partner for Bellame Beauty Inc, a cosmetics retailer. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, utilizing various portfolio strategies and advanced operational tools.

James Kramer III is a CFP® professional with 24 years of industry experience. He has been with LPL Financial since 2010 and operates his advisory business, Kramer Financial, in St. Cloud, MN. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisers with various investment strategies and operational tools.

Kelly Bates is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and two years of industry experience. Bates has been with Wells Fargo Bank, N.A. since 2005 and has worked at Wells Fargo Clearing since 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Hubert Reinarz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Wells Fargo in various capacities since 2014. Outside of his advisory work, he has ownership in a home health care business and works part-time at a golf course pro shop. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Elizabeth Walek is a financial advisor at Edward Jones with six years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2015. Outside of her advisory role, she serves as a board representative for Sports Arena East in Sauk Rapids, MN, attending monthly board meetings and overseeing facility decisions. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services.

Brooke Radi is a financial advisor with Edward Jones in Sauk Rapids, MN, holding a Series 66 credential and four years of industry experience. Prior to rejoining Edward Jones in 2022, Brooke worked at LightEdge Solutions and held various academic and corporate roles, including positions at Charles University Faculty of Arts and Meredith Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs under a fiduciary standard.

Ryan Schmidt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior roles include positions at Northwestern Mutual and Wells Fargo, spanning wealth management, investment services, and banking. Outside of his advisory work, Schmidt coaches an independent indoor drumline as a director. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Michelle Herickhoff is a CFP® professional with 12 years of industry experience, currently affiliated with OSAIC since 2024. She has previously worked at Woodbury Financial Services, Cetera Advisor Networks, CWM, LLC, and Voya Financial Advisors. Outside of her advisory role, she is a co-owner and secretary of Central MN Seeds, LLC, and serves as a board member for North Fork Mutual Fire Insurance Company. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of financial advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a variety of portfolio construction tools and access to third-party managers.

Mason Pullis is a financial advisor with Primerica Advisors in Sauk Rapids, MN, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at 3M, Force America, and Alexandria. He is involved in sales of investment-related and home-related products through affiliated companies. 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 operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies managed by third-party asset managers.

Robert Stoltman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services, and he has owned Stoltman Insurance & Investments since 1987. Outside of advisory, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base ranging from individual investors to institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Nathan Boenish is a financial advisor at Edward Jones in Sartell, MN, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Morgan Stanley/E*Trade and Prudential Financial. Boenish’s background also includes work in construction with CBS Construction Services, Inc. and RL Larson Excavating, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a range of advisory programs and investment options under a fiduciary standard.

Madison Molitor is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has prior work experience including managing a residential rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Brett Carow is a financial advisor at Fidelity with eight years of industry experience and holds a Series 66 designation. His prior roles include positions at Alight Financial Solutions, MassMutual, and BASF. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and delivers model portfolios to intermediary platforms.

Zachary Gundberg is a financial advisor at Edward Jones in St Cloud, MN, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Northwestern Mutual and various positions outside the financial sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and managed solutions, supported by a large network of advisors and branch offices nationwide.

Jaclyn Gwost is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, as well as corporate and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment options under a fiduciary standard.

Caroline Chance is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 13 years of industry experience. She has been affiliated with various Cetera entities since 2003. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform, providing access to both affiliated and third-party investment solutions.

Alex Scepaniak is a financial advisor at Osaic Wealth Inc. with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Primerica Advisors and Primerica Financial Services. Outside of advisory work, he is involved in the sale of home security and automation products and loan referral services through affiliated companies. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of financial services delivered through a large network of affiliated advisors and utilizes a variety of asset allocation tools, third-party managers, and automated portfolio management solutions.

David Jacobs is a financial advisor with Cetera, holding CFP® and Series 63 designations and bringing 23 years of industry experience. He has worked at firms including Securian Financial Services and Minnesota Life Insurance Company, and currently operates David M. Jacobs & Associates, Inc. Outside of his advisory role, Jacobs is involved in financial services through North Star Resource Group and owns JF Legacy Properties LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate entities, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with access to various program structures and third-party money managers.

Patrick Goltz is a financial advisor at LPL Financial with 20 years of industry experience. He has held his current position since 2010 and previously worked at Edward Jones from 2008 to 2010. He holds Series 63 and Series 66 licenses and is based in Avon, Minnesota. Outside of his advisory role, Goltz is involved with Atlas Staffing in the Minneapolis/St. Paul area on a part-time basis. 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, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of strategies.

Kenneth Olson is a financial advisor with LPL Financial in Sartell, MN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously operated Kenneth H.T. Olson Ltd for 43 years before joining LPL Financial in 2015. Outside of his advisory role, Olson serves as chief manager of Pine Point Aviation, an entity that holds his personal airplane. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial products and partnerships.

Anthony Watson is a CFP®-designated financial advisor with 28 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2020, and previously spent 19 years with Cetera Investment Services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits. The firm offers goal-based, holistic planning on topics such as retirement, tax, estate, and special needs planning, with an option to combine planning and managed-account services through its WealthPlan program.

Valerie Timm is a financial advisor at Edward Jones in Sauk Rapids, MN, holding a Series 66 designation. She has 27 years of industry experience, including 26 years at Old National Bank prior to joining Edward Jones in 2026. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Benjamin Mielke is a financial advisor at Thrivent Investment Management with 17 years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, tax, estate, and business continuation planning. The firm emphasizes goal-based analyses and allows clients to combine planning with managed-account services through its consolidated billing option.

Erik Swanson is a financial advisor with Ameriprise in Sartell, MN, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 1998. Outside of his advisory role, he is co-owner of Integrity Point, LLC and Midwest Excellence LLC, and also co-owns a real estate business, Integrity Point Real Estate LLC. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients, emphasizing managed accounts and using algorithmic tools alongside personalized review.

Naomi Kowalik is a financial advisor at OSAIC with 35 years of experience in the industry. She holds Series 63 and Series 65 licenses and has previously worked with Woodbury Financial Services, Questar Capital, and Valmark Advisors. Outside of advisory work, she is also an attorney focusing on drafting documents, wills, and estate planning, as well as an insurance agent. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes advanced portfolio construction tools and supports both discretionary and non-discretionary account management.