Ryan Neil Mccallum

I started Watershed Wealth to build the kind of financial advisory firm I wished existed in my rural community —forward thinking, transparent, and built specifically for retirement in Northern Michigan. I’m a CERTIFIED FINANCIAL PLANNER™ with a degree in Finance from Grand Valley State, and more than seven years of hands-on experience across the industry. In 2023, I made the leap and launched Watershed Wealth right here in my hometown of Alpena, Michigan. Since then, my mission’s been pretty simple: help people make smart decisions with their money. When I’m not meeting with clients, I stay involved in the community through several board positions focused on community betterment, economic growth, and quality of life in Northern Michigan. I’m also a big believer in collaboration and love working with other local leaders, business owners, and creatives who care about where our community is headed. After hours, you’ll usually find me outdoors, sneaking in nine holes, or spending time with my wife Abby, our son Stanley, and our two golden retrievers, Peach & Goose. This isn’t just a job for me. It’s personal. And my goal—always—is to help people feel less stressed, more confident, and more in control of their retirement.

Jessica Howard is a financial advisor with LPL Financial in Alpena, Michigan, holding a Series 66 designation and having one year of industry experience. Her prior work includes roles at Alpena Alcona Area Credit Union, mBank, and Alpena Community College. 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 offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a platform supporting both discretionary and non-discretionary investment strategies.

Cameron Bernicki is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Thrivent Financial and Thrivent Investment Management Inc. Outside of his advisory role, Bernicki coaches junior varsity hockey and the Alpena 45ers sports teams in Alpena, MI. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm utilizes model-driven investment strategies and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Gary Altman is a financial advisor with LPL Financial in Alpena, MI, holding Series 63 and Series 65 credentials and eight years of industry experience. His prior work includes positions at Mariner Wealth Advisors and Heber Fuger Wendin, Inc, as well as long-term roles at Calcite Credit Union and Alpena Alcona Area Credit Union. Outside of his advisory work, he is involved in a family farming operation in Rogers City, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Andrew Kowalski is a CFP®-designated financial advisor at Edward Jones with nine years of industry experience. He has worked at Edward Jones since 2017 and previously spent three years at MidMichigan Health. Outside of his advisory role, Kowalski is involved in his community as a Learn to Skate instructor for the Alpena Hockey Association and serves as Vice President of the Northern Lights Arena board of directors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Philip Straley is a financial advisor at LPL Financial with 27 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at firms including Avantax Advisory Services and 1st Global Advisors. Additionally, he is involved with Straley, Lamp & Kraenzlein, P.C., a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports a wide range of investment approaches, including model portfolios and third-party asset management, and serves over 22,800 advisors with a broad array of financial products and services.