Micheal David Heckman

Dennis Brown is the sole advisor at Investment Initiatives, LLC in Ludington, MI. He holds Series 63 and Series 65 licenses and has 16 years of industry experience, including roles at North Nassau Advisors, LLC and Equitas America, LLC. He has led Investment Initiatives since 2014. Investment Initiatives provides fee-based investment advice and financial planning to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm combines institutional consulting with actively managed strategies such as options and margin trading, offering tailored portfolios guided by written investment policy statements.

Jana Plaisier is a financial advisor with Plaisier Financial Group LLC in Ludington, MI, holding a Series 63 designation and 39 years of industry experience. She has operated her own financial advisory firm since 2002 and is involved in related businesses including tax preparation and affiliate marketing. Additionally, she serves as a skincare consultant for Rodan and Fields on a limited basis. Plaisier Financial Group provides portfolio supervisory services, investment advice, and financial planning to individuals, retirement accounts, charitable organizations, and business entities. The firm customizes investment recommendations based on client objectives and risk tolerance, emphasizing diversification and continuous account monitoring.

Jonathan Liss is a financial advisor with Middle Coast Investing LLC holding a Series 65 designation. He has five years of experience as a contributor at Seeking Alpha. Middle Coast Investing serves individual and high-net-worth clients by offering discretionary portfolio management and tailored advisory services. The firm employs strategic ETF allocation and active equity strategies, managing a diverse range of instruments with regular portfolio reviews and client meetings.

Elizabeth De Kuiper is a financial advisor at Harborfront Financial Group with 27 years of industry experience. She holds Series 63 and Series 65 designations and has worked at LPL Financial for over 20 years prior to joining Harborfront in 2024. Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high-net-worth clients. The firm uses a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation and offers services through various LPL Financial advisory programs.

Raymond Janish is a CFP® with 30 years of industry experience. He currently serves at Harborfront Financial Group, joining the firm in 2024 after 22 years with LPL Financial LLC. Outside of his advisory work, he is involved in farming beef cattle for 4-H through Janish Farms LLC. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm employs a range of investment strategies, including long-term asset allocation and shorter-term trading, and utilizes discretionary model portfolios and third-party strategies through LPL Financial-sponsored programs.

Daniel Shvartsman is the sole advisor at Middle Coast Investing LLC, an independent registered investment adviser based in Ludington, MI. He holds a Series 65 designation and has two years of industry experience. His prior work includes roles at Investing.com and Shortman Studios, as well as eight years contributing to Seeking Alpha. Middle Coast Investing LLC manages approximately $12.1 million in client assets, serving individual and high-net-worth clients with discretionary portfolio management. The firm employs both passive, index-based ETF strategies and actively managed stock portfolios, incorporating inverse and leveraged funds as part of its investment approach.