Chad Sapa is the sole advisor at CTS Consulting, LLC, an independent advisory firm based in Dilworth, MN. He holds a Series 65 designation and has 18 years of experience in financial advisory services. In addition to his advisory role, Sapa has served as Chief Financial Officer for Cass County Electric Cooperative, Inc. since 1991. CTS Consulting, LLC provides discretionary portfolio management and focused consulting to individual clients, including both non-high-net-worth and high-net-worth individuals. The firm integrates investment management with accounting and tax-planning services, offering personalized investment policies and a range of strategies tailored to client objectives.

Jerald Hoffner is a financial advisor at Strategic Financial Inc. with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Crown Capital Securities, LP for 10 years. Outside of advising, he owns and operates an insurance agency, Insurance Solutions Inc., and manages a family-owned rural real estate partnership. Strategic Financial Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm maintains an unusually large client base for a solo advisor and employs a range of analytical methods and investment strategies tailored to client goals.

Matthew Breker is a financial advisor at Cultivate Financial in Fargo, ND, with six years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Life Insurance Company, Bank of America, Merrill Lynch, and other firms prior to his current role. Outside of advising, he manages a family farm producing corn and soybeans in Rutland, ND. Cultivate Financial provides tailored investment management and financial planning services to individuals and institutional clients, including retirement plans, trusts, foundations, and profit-sharing plans. The firm employs a strategic asset allocation approach using both active and passive managers, third-party managers, and alternative investments when appropriate, and offers ongoing portfolio supervision and consulting services.

Nathan Bremer is a CFP® and holds a Series 66 designation with six years of industry experience. He is the sole advisor at Eighth Wonder Investments in Fargo, ND. His prior experience includes roles at LPL Financial, Bank Forward, Infinex Investments, Alerus, and The Bank of Tampa. Eighth Wonder Investments offers fee-based investment advisory and financial planning services to individuals and high-net-worth clients, providing discretionary portfolio management and customized planning that can include retirement, tax optimization, cash flow, and estate strategies. The firm employs a tactical allocation approach using a variety of securities and analytical methods to manage risk and performance while accommodating client-imposed investment restrictions.

Thomas Shockman is the principal advisor at Shockman Financial in Fargo, ND, holding Series 63 and Series 65 licenses with 36 years of industry experience. His prior roles include positions at Advisornet Wealth Management, Cetera Advisor Networks, and International Assets Advisory, LLC. Outside of financial services, he officiates high school football during the fall season. Shockman Financial provides wealth management, personalized financial planning, and investment management services to individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm typically manages discretionary portfolios with a mix of fundamental and technical analysis, offering a distinctive combination of integrated insurance brokerage, options strategies, and third-party account monitoring.

Mark Schiller is a CFP® with 18 years of industry experience and serves as a principal at Williams and Schiller Wealth Management, LLC. He has been with the firm since 2007 and is also a Certified Public Accountant at Williams & Schiller, P.C. CPAs. Williams and Schiller Wealth Management provides investment management and comprehensive financial planning services to individuals, business owners, and select institutional clients. The firm employs a long-term, asset-class focused investment approach grounded in Modern Portfolio Theory and integrates accounting and tax expertise through its affiliated CPA firm.

Austin Avery is a financial advisor with Financial Strategies Group in Fargo, ND, holding a Series 66 designation and four years of industry experience. He has worked at multiple firms including Purshe Kaplan Sterling Investments, Aurora Securities, and Secure Asset Management LLC. Avery is also involved in several business ventures, including ownership roles at Classic Asset Management LLC and Avery Wealth Management. Financial Strategies Group advises individuals, high-net-worth clients, and retirement plans, offering discretionary and non-discretionary portfolio management along with modular financial planning. The firm employs firm-developed model portfolios based on Modern Portfolio Theory and primarily invests in mutual funds and ETFs.

Grant Hartmann is a financial advisor at Retirement Resource Wealth Management, LLC, holding a Series 65 designation with one year of industry experience. Prior to joining the firm, he worked at V.C. Insurance Sales, Inc. and held academic roles at Northern State University and Bemidji State University. Retirement Resource Wealth Management, LLC provides investment advice and portfolio management services to individuals, trusts, estates, and retirement plans, including qualified employer plans. The firm employs discretionary asset management with multiple investment strategies and offers financial planning services, including specialized guidance for Federal Employees Retirement System participants.

Douglas Schmitz is a financial advisor at Financial Strategies Group in Fargo, ND, with 38 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at several firms including Classic Asset Management, PKS Investments, and Schmitz Financial Services. Outside of his advisory work, he is involved in managing residential real estate properties. Financial Strategies Group provides advisory services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and other business entities. The firm uses firm-developed model portfolios based on Modern Portfolio Theory and employs various analytical approaches, focusing primarily on mutual funds and ETFs with ongoing discretionary management.

Jacob Radke is a financial advisor at Fjell Capital with four years of industry experience. He holds the Series 65 and Series 66 credentials and has worked at Fjell Capital, Sanctuary Advisors LLC, and Sanctuary Securities, Inc. Outside of his advisory role, Mr. Radke undertakes woodworking projects as an independent contractor for Clearwater Creations. Fjell Capital serves individual and high-net-worth clients as well as retirement plan sponsors by offering integrated wealth management, standalone financial planning, and retirement plan advisory services. The firm employs a model-of-models investment strategy with periodic rebalancing and tax-loss harvesting, and uses a subscription-style fee structure alongside flat-fee and hourly planning options.

Meagan Gelinske is a financial advisor at Future Bright with a Series 65 credential and four years of industry experience. She has worked at Future Bright since 2022 and also serves as an independent consultant. Outside of advisory roles, she has been employed at Aldevron since 2009. Future Bright provides discretionary investment management and advisory services to individuals, high-net-worth clients, small businesses, and retirement plans, including ERISA-related services. The firm uses a combination of fundamental, technical, and cyclical analysis to construct portfolios primarily invested in equities, mutual funds, and ETFs, and offers additional advice on assets held in employer-sponsored plans.

Kelly Steffes is a financial advisor at Thoreson Steffes with 14 years of industry experience. He holds a Series 65 designation and has worked at Thoreson Steffes Trust Company since 2013 and at T&S Investments, LLC since 2011. Thoreson Steffes provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm employs a strategic asset-allocation approach with tactical adjustments and uses fundamental, technical, and cyclical analysis for security selection and portfolio management.

Jeffrey Wallgren is a financial advisor with Great Plains Advisory Services LLC in Fargo, ND, holding a Series 66 designation and 14 years of industry experience. He previously worked at International Assets Investment Management LLC and International Assets Advisory, LLC for 12 years before joining Great Plains Financial Services, LLP and Great Plains Advisory Services LLC in 2024. Great Plains Advisory Services, LLC serves individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and small businesses. The firm provides discretionary and non-discretionary portfolio management, consulting services, and access to alternative investment vehicles, utilizing fundamental analysis and individualized portfolio construction.

Samantha Blanchette is a financial advisor at Light Financial Services, Inc. in Fargo, ND, holding a Series 65 designation with seven years of industry experience. She has been with Light Financial Services since 2011. Light Financial Services, Inc. provides investment advisory services to individuals, charitable organizations, and small businesses, managing approximately $145 million in assets across more than 600 client relationships. The firm’s investment approach focuses on asset allocation using mutual funds and ETFs, employing model portfolios and third-party Strategist relationships within the Orion platform.

Richard Engen is a financial advisor with Great Plains Advisory Services LLC in Fargo, ND. He holds the ChFC® designation and Series 63 and 65 licenses, with 31 years of industry experience. Prior to his current role, he worked at Global Assets Advisory, LLC and International Assets Investment Management, LLC. Outside of advising, he is a majority owner of a technology company, IDFusion LLC. Great Plains Advisory Services, LLC serves individual and high-net-worth clients, trusts, estates, charitable organizations, and small businesses. The firm offers discretionary and non-discretionary portfolio management, consulting, and access to alternative and private investment vehicles, using fundamental analysis and individualized portfolio construction.

James Schmidt is the sole advisor at Schmidt Wealth Management in Fargo, ND, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has led Schmidt Wealth Management since its founding in 2006. Schmidt Wealth Management serves primarily individual clients, including many high-net-worth households, as well as businesses, charities, and pension plans. The firm offers comprehensive financial planning and discretionary portfolio management with a focus on fundamental security analysis and a conservative, long-term approach tailored to each client’s needs.

Richard Thoreson is a CFA® charterholder with 13 years of industry experience. He is a principal at Thoreson Steffes Trust Company, where he has worked since 2013, and is a 50% owner of a private trust company. Thoreson Steffes serves individual investors, including high-net-worth clients, as well as trusts, estates, charitable organizations, and business entities. The firm offers fee-based investment advisory and financial planning, using a strategic asset allocation framework combined with fundamental, technical, and cyclical analysis, and manages portfolios through both discretionary and nondiscretionary approaches.

Veronica Redfield is a financial advisor at Retirement Resource Wealth Management, LLC, with 12 years of industry experience and a Series 65 designation. She has held various roles including ownership positions in multiple holding companies and operational involvement in an insurance agency serving federal employees. Outside of finance, Redfield is a water aerobics instructor. Retirement Resource Wealth Management provides investment advice and portfolio management to individuals, trusts, estates, retirement plans, and qualified employer plans, employing multiple strategies tailored to client objectives. The firm also offers financial planning, including services for Federal Employees Retirement System participants, and integrates insurance products through affiliated brokerage activities.

Stephanie Ternes is a financial advisor at Wealth Forward, LLC with 12 years of industry experience. She has worked with the firm, formerly known as Ranstrom Berg Wealth Management, since 2006. She holds a Series 65 designation. Wealth Forward serves individuals, retirement plan sponsors, trusts, estates, charitable organizations, and business entities by providing discretionary portfolio management, financial planning, and retirement plan consulting. The firm uses a blend of fundamental and cyclical analysis and offers diversified model portfolios, with regular reviews and ongoing client support.

Ryan Berg is a CFP® and PFS™ certificant with 14 years of industry experience. He has been with Wealth Forward, LLC (formerly Ranstrom Berg Wealth Management) since 2013. In addition to his advisory role, he operates a CPA tax preparation practice and is an independent insurance agent. Wealth Forward serves individuals, retirement plan sponsors, trusts, estates, charitable organizations, and business entities by providing discretionary portfolio management, financial planning, and retirement plan consulting. The firm’s investment approach combines fundamental and cyclical analysis, using proprietary and third-party model portfolios across diversified asset classes.