Christine Doyle

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 two 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 provides discretionary portfolio management and financial planning services for 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 and prepares individualized Investment Policy Statements tailored to client risk tolerances and restrictions.

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.

Michael Kobs is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His career includes long-term roles with Avantax Investment Services and Offerman & Company, among others. Outside of his advisory work, he is involved in business consulting and serves as president of MRK Financial Solutions, an independent insurance agency. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, fiduciary, and retirement solutions, combining discretionary and non-discretionary strategies with access to third-party managers and specialized trust services.

Craig Popp is a financial advisor with Raymond James Financial Services Advisors, Inc. in Willmar, MN, holding the CFA® designation and Series 63 license, with 24 years of industry experience. He has been associated with Raymond James since 2016 and also operates support companies Accru Wealth and Popp Capital Partners. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored recommendations through detailed client profiling and utilizes both brokerage and advisory account structures.

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.