Mark Cernicky

Richard Groff is a CFP® professional with 25 years of industry experience. He is the principal at TheMoneyMD.com, LLC, where he has worked since 2017. Prior to this, he was with AdvisorNet Wealth Management and has been involved with Family Legacy Planning, LLC since 2012. Outside of his advisory work, he serves as a trustee and is involved in managing a bookkeeping entity related to a separate online subscription service. TheMoneyMD.com, LLC provides investment and wealth management, financial planning, and third-party manager selection primarily for high-net-worth individuals, trusts, and estates. The firm employs a risk-first investment approach that emphasizes asset allocation, diversification, and managed-volatility portfolios, blending active and passive strategies with ongoing portfolio monitoring and coordination with clients’ other advisors.

Brian Bickett is a CFP® with 12 years of industry experience currently serving as the principal of Iron Mountain Financial Planning in Rapid City, SD. His prior experience includes roles at Ameriprise Financial Services and Zeiders Enterprises. In addition to financial planning, he owns and operates Iron Mountain Tax Services, providing tax preparation services. Iron Mountain Financial Planning serves individual and business clients with tailored investment management and comprehensive financial planning through various engagement models. The firm employs a Modern Portfolio Theory-based approach emphasizing broad global diversification, primarily using passive ETFs, and offers educational seminars on personal finance topics.

Justin Mcneal is a Certified Financial Planner® with 17 years of industry experience. He is the principal advisor at Trew Advisors, LLC in Rapid City, SD, where he has worked since 2018. His prior experience includes roles at Hornor Townsend & Kent, Inc. and operating Trew Business Solutions, LLC. Mcneal is also involved in insurance sales and service through Trew Financial and Benefits Group. Trew Advisors LLC provides fee-based financial planning and investment advisory services to individuals and a variety of institutional clients, including corporations and pension plans. The firm offers discretionary portfolio management, hourly financial planning, and retirement plan advisory services, utilizing third-party platforms and model portfolios to deliver tailored investment solutions.

Joseph Porter is a financial advisor with Rock Creek Advisors LLC in Rapid City, SD, holding a Series 65 designation and 17 years of industry experience. He previously worked at Orion Advisor Services, LLC and concurrently serves as Director of Investment Administration at First Trust Company LLC. Rock Creek Advisors provides discretionary investment management primarily to a state-chartered corporate fiduciary, First Trust Company, LLC, managing trust and agency accounts as well as separately managed accounts for individual clients. The firm employs mixed-asset model portfolios emphasizing capital appreciation, current income, and capital preservation, and maintains a trust-centric operating model through its affiliation with the state-chartered trust company.

Myrna Mitchell is the sole advisor at Consultative Services, Inc., operating under her own name with over 22 years of industry experience. She holds an MBA and the CFP® designation and has managed her independent advisory practice since 1994. Consultative Services, Inc. provides fee-only financial planning and portfolio management to individuals and high-net-worth clients, focusing on life planning areas such as retirement, estate planning, and college funding. The firm manages client assets on a non-discretionary basis using a buy-and-hold strategy centered on no-load mutual funds, ETFs, and fixed income instruments, operating under hourly or flat fee engagements rather than percentage-of-AUM billing.

Joel Black is a financial advisor at Rock Creek Advisors LLC with 8 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Rock Creek Advisors since 2017. Additionally, he serves as Executive Vice President, CFO, and COO of First Trust Company, LLC, a state-chartered corporate fiduciary where he administers trusts and manages regulatory relations. Rock Creek Advisors provides discretionary investment management primarily to trust and agency accounts administered by First Trust Company, LLC, and also offers separately managed accounts to individual clients. The firm focuses on mixed-asset model portfolios emphasizing capital appreciation, income, and capital preservation, utilizing a range of investment strategies within a trust-centric operating structure.