James Gregory Pondel

Dwight Kimber is a financial advisor with Silver Oak Securities, Inc., holding a Series 66 designation and over 20 years of industry experience. He has worked at Silver Oak since 2009 and previously held positions at Harbour Investments, Inc., Berthel, Fisher & Company Financial Services, Inc., and Next Financial Group, Inc. Outside of his advisory role, Kimber is an independent insurance agent and serves as treasurer for St. Germain Evangelical Free Church; he also holds a volunteer board position and works as a groomer for the Sayner Barnstormers Snowmobile Club. Silver Oak Securities, Inc. serves individuals—including high-net-worth clients—pension and profit-sharing plans, corporations, trusts, estates, and other business entities through a multi-team network. The firm offers a range of advisory programs focused on discretionary, tailored investment management that incorporates individual securities, model portfolios, and a systematic investment process.

Theresa Rowland is a Certified Financial Planner™ (CFP®) and Personal Financial Specialist™ (PFS™) with 18 years of industry experience. She has worked at CGN Advisors, LLC since 2019 and previously spent two years at Buckingham Asset Management, LLC. She holds insurance licenses in life and health in Illinois and Arizona but has not engaged in insurance sales while affiliated with CGN Advisors. CGN Advisors, LLC provides advisory services to a diverse client base including individuals, families, pension plans, businesses, and charitable organizations. The firm employs a long-term, globally diversified investment approach with fiduciary oversight, offering services such as comprehensive financial planning, investment consultation, portfolio monitoring, and pension consulting.

Michelle Caudle is a financial advisor at Harbour Investments, Inc. with 40 years of industry experience. She holds Series 63 and Series 66 designations and has been with Harbour Investments since 2011. Caudle also acts as an independent insurance agent, including work with equity indexed annuities. Harbour Investments provides investment advisory and financial planning services to a diverse client base, including individual investors, charitable and corporate clients, and retirement plans. The firm employs a combination of fundamental and technical analysis to create customized strategies using a range of investment vehicles, and offers model-based solutions through a subscription platform.

David Gwidt is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is a 20% owner and investor in a flooring business operated by his son. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including high-net-worth individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services supported by a broad range of portfolio management styles, proprietary research, and specialized municipal advisory capabilities.

Shane Zaruba is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has worked extensively with Avantax Advisory Services and Northwoods Pension Services prior to joining Cetera. Outside of his advisory role, he serves as Board President for Sayner Community Church, overseeing fundraising and renovation efforts for the historic building. Cetera Investment Advisers LLC is a nationwide, SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform that offers a range of portfolio management and financial planning services.