Lawrence McGuire is a CFA® charterholder with 24 years of industry experience, serving as the sole advisor at Red Rock Capital Advisors, LLC since 2002. He holds Series 63 and Series 65 licenses and is based in Hibbing, MN. Red Rock Capital Advisors provides discretionary portfolio management, financial planning, and advisory consulting primarily for individual clients, managing approximately $12.7 million across about 17 clients. The firm employs both fundamental and technical analysis with a mix of long-term and short-term investment strategies, and requires clients to use Charles Schwab for custody and execution.

Shawn Lappi is a financial advisor at Gradient Advisors, LLC with two years of industry experience. He holds a Series 65 designation and has served as an owner and investment advisor representative at Tri-Sure Financial since 2009. Outside of his advisory role, he owns a landscaping business and performs with a music entertainment group. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to a diverse client base including individuals, retirement plans, and charitable organizations. The firm operates primarily through third-party money managers and investment advisor representatives, using a largely non-discretionary model that focuses on client approval for transactions and incorporates fundamental, technical, and cyclical analysis in portfolio management.

Kevin Roche Jr. is a financial advisor with Lifemark Securities Corp. in Hibbing, MN, holding Series 63, 65, and 66 licenses and 21 years of industry experience. He has been with Lifemark Securities since 2018 and previously worked at Foresters Equity Services, Inc. He is also involved with Roche Financial Education and Strategies Inc. and Bridge Financial Services Group, both providing life, health, disability, LTC, and fixed annuity products. Additionally, he works part-time in furniture sales at Slumberland Furniture. Lifemark Securities Corp. provides fee-based investment advisory and financial planning services primarily to individual investors and retirement plan sponsors, offering programs like Unified Managed Accounts and Separately Managed Accounts. The firm delivers suitability-driven advice with periodic reviews and maintains custody through third-party custodians.

Gary Oie is a financial advisor at Creative Financial Designs, Inc. with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors and OSAIC. Outside of his advisory role, he serves on the boards of two nonprofit organizations: Veterans Community Thrift Store and Security State Bank Foundation. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs a diversified investment approach that includes model portfolios, adviser-directed management, and Biblical Responsible Investing strategies.

Terry Gries is a financial advisor with LPL Financial based in Hibbing, MN, holding a Series 66 credential and 18 years of industry experience. He has worked at Riverwood Bank and LPL Financial since 2019 and previously held positions at Wachovia Securities and The Oak Ridge Financial Services Group, Inc. Outside of his advisory role, he is involved as an insurance broker with In Source. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, providing advisors with a range of discretionary and non-discretionary investment strategies supported by research and technology tools.

Ryan Wahlund is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. He has worked at Commonwealth Financial Network and Lincoln Financial Advisors, and he currently operates two financial services businesses: Wahlund Financial, which he owns, and Ryan Financial Group, where he provides retirement plan advisory services for defined contribution plans. Based in Hibbing, MN, he has been with Cetera since 2026. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. It offers portfolio management, financial planning, ERISA retirement services, and access to a range of third-party money managers through a multi-manager platform.

Steven Berry is a financial advisor with LPL Financial in Hibbing, MN, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2017 and previously held positions at Investment Centers of America and Wells Fargo. Outside of his advisory role, he serves as Vice President at RiverWood Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Vincent Benkusky is a financial advisor at Raymond James Financial with one year of industry experience and holds a Series 66 designation. His prior work history includes roles at National Bank of Commerce and University of Minnesota - Duluth. Outside of finance, he has been involved with Tom and Jerry's since 2022. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and risk profiling using analytical tools to support client goals and offers specialized programs such as wrap-fee advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Gregory Stalsberg is a CFA® charterholder with 14 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Commonwealth Financial Network, Ryan Financial Group, and Lincoln Financial Advisors. Outside of his advisory roles, he serves as committee chair for Young Life Northern Twin Cities and is a board member of North Oaks Golf Club. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through various program platforms and access to third-party managers.

Jack Furlong is a financial advisor with Ameriprise in Hibbing, MN, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise since 2016. Furlong serves on the board of United Way of Northeastern Minnesota as Treasurer and provides pro bono financial planning to cancer patients through the Angel Foundation’s Financial Cancer Care Program. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning using proprietary research and third-party data.

Connor Stefan is a financial advisor at Edward Jones in Hibbing, MN, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked in various roles including at United Parcel Service and managed his own business, CSMN Painting LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and supports its services with a large national network of advisors and branch offices.

John Ryan III is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Cetera and has held prior roles at Commonwealth Financial Network, Lincoln Financial Advisors Corporation, and as managing partner of Ryan Financial Group LLC since 2012. In addition to his advisory work, he serves as an elected board member for Ronald McDonald House Charities - Upper Midwest and is an advisory board member for the National Bank of Commerce in Hibbing, MN. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and consulting services, supporting over 10,000 advisors and approximately $256 billion in assets under management.

Heather Croke is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Cetera. Her prior experience includes roles at Commonwealth Financial Network, Ryan Financial Group, Valmark Securities, and Boulay Financial Advisors. She is also associated with Heather's Humpomeno LLC dba Ryan Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Michael Mulvahill is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019. Prior to joining Edward Jones, he spent one year at Promotion Management Center and 20 years at Arrowhead Promotion. 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 under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors.

Cheryl Wandmaker is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Piper Sandler Inc. for 38 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves both direct clients and corporate financial planning agreements.

Nicole Karnes is a financial advisor with Edward Jones in Hibbing, MN, holding a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2013, with a brief interruption, and also co-owns Gems Dance Competitions, an event-based dance competition business. Additionally, she teaches youth dance classes at Stephanie's Dance Shoppe. 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.

Michael Stefan is a financial advisor with Edward Jones in Hibbing, MN, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, Stefan is the CEO of Americare Lodges LLC, an assisted living facility in Remer, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm is noted for its extensive advisor network and affiliated capabilities beyond advisory services.

John Buss is a financial advisor with Edward Jones in Hibbing, MN, holding a Series 63 designation and having 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he manages Palava Properties LLC, a rental property business in Mountain Iron, MN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory services with approximately $1.01 trillion in assets under management, supported by a large network of financial advisors and branch offices nationwide.

Patrick Furlong is a financial advisor with Ameriprise in Hibbing, MN, holding a Series 66 designation and over 22 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves on the board of True North Stars Regional Board and chairs the organization Vote Yes. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michelle Severson is a financial advisor with Osaic Wealth, Inc. based in Hibbing, MN, holding a Series 63 designation and bringing 36 years of industry experience. She has been with Osaic Wealth since 2018 and previously worked at Signator Investors, Inc. from 2016 to 2018. Outside her advisory role, she is the owner of Severson Financial Strategies and Investments LLC, which provides securities and fixed insurance sales as well as employee benefit packages. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios and supports legacy platforms and third-party managed-account solutions.

Scott Stavn is a financial advisor with Raymond James Financial, holding a Series 63 designation and 39 years of industry experience. He has worked at Raymond James Financial Services, Inc. since 1999 and had prior involvement in health insurance and his own insurance firm between 2014 and 2019. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized municipal and public finance services uncommon among large institutional advisors.

Marcella Schwecke is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to that, she had roles at Morgan Stanley, Lake Superior Consulting (Waddell & Reed), and the University of Minnesota Duluth. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Troy Loeb is a Series 66-licensed financial advisor with Edward Jones in Hibbing, MN, where he has worked since 2012. He has 13 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated products. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and over 15,000 branch offices.

Oren Bottoms is a financial advisor with OSAIC in Hibbing, MN, holding Series 63 and Series 65 designations and 22 years of industry experience. He previously spent 21 years with Lincoln Financial Advisors before joining OSAIC in 2025. Bottoms is the owner of Bottoms Financial, LLC, where he offers various insurance products including accident, health, disability, and life insurance, as well as annuities. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a broad range of advisory services and investment platforms, utilizing advanced asset allocation tools and offering access to multiple third-party money managers and managed accounts.

Michael Furlong is a financial advisor at Ameriprise with nine years of industry experience. He has been with Ameriprise Financial Services since 2016, including six years at the LLC entity. Furlong serves as Treasurer on the Board of Directors for the Chisholm–Hibbing Airport Authority. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Julie Takkunen is a Series 66-licensed financial advisor with six years of industry experience, currently working at OSAIC since 2024. Her prior experience includes roles at Securities America Advisors, Securities America, Inc., and Raymond James Financial Services. Outside her advisory work, she serves as co-treasurer for the local chapter of the American Association of University Women and is involved with a nonprofit youth orchestra as a director, teacher, and executive director. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and risk-tolerance analysis to construct portfolios across various asset classes.