Craig William Koski

Austin Hilliker is the sole advisor at Wellspring Investing and holds a Series 65 credential. He has less than one year of industry experience, having worked previously at Bradway Enterprises, UP Engineers and Architects, and Gentex. Wellspring Investing offers discretionary portfolio management, financial planning, and pension consulting services to individuals, charitable organizations, business entities, and retirement plans. The firm uses a combination of fundamental and technical analysis, pursuing long-term trading and options strategies tailored to documented risk tolerances in each client’s Investment Policy Statement.

Gregory Seppanen is a CFP® and holds a Series 66 license with 15 years of industry experience. He is currently the sole advisor at Simplified Financial Partners and has previously worked at firms including Sage Financial Advice, Superior National Bank, Tri-star Trust Bank, and Cetera Investment Services. He serves as a board member of the Adams Township School District Foundation, where he participates in policy matters. Simplified Financial Partners serves individual and high-net-worth clients as well as pension and profit-sharing plans, managing approximately $78 million across 89 client relationships. The firm provides discretionary, long-term portfolio management and financial planning services, utilizing investment policy statements and a combination of fundamental analysis and modern portfolio theory.

John Croze is a financial advisor with APO Financial Services, LLC, holding a Series 65 designation and two years of industry experience. Prior to his advisory career, he spent 30 years with the Public Schools of Calumet. He serves as treasurer and a board member of RCL Inc., a nonprofit organization involved in charitable giving and community events. APO Financial Services, LLC provides discretionary portfolio management, financial planning, and pension consulting to individuals, business entities, and retirement plans. The firm customizes portfolios using fundamental, technical, and cyclical analysis across various asset classes and serves both individual and institutional clients.

Patrick Ylitalo is a financial advisor with Valic Financial Advisors holding a Series 66 designation and four years of industry experience. His prior work includes roles at Nexteer Automotive and Somero Enterprises. He also serves as an agent appointed to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management and financial planning through a large network of advisors, utilizing discretionary unified managed accounts and third-party model managers supported by centralized technology.

Edward Simonsen is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 19 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 16 years before joining LPL Financial in 2023. Outside of his advisory role, he operates two non-investment business entities, IW Solutions, LLC and Mindya LLC. 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 provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Ross Rinkinen is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 14 years of industry experience. He has been with Thrivent Financial for Lutherans since 2012 and Thrivent Investment Management since 2011. Outside of his advisory role, he serves as president of the Copper Country Walleye Association, vice president of the Chassell Lions Club, and is involved in refereeing and coaching hockey at the high school and college levels. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses and planning without discretionary trading authority, allowing clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan.