R. Kramer is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with LPL Financial since 2010. Kramer also runs Bruce Kramer Financial Services, an investment-related business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services with discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Michael Sullivan is a CFP® professional based in Pittsburgh, PA, with 23 years of experience in the financial industry. He has worked at LPL Financial since 2021 and previously held roles at Beratung Partners, Inc., Sullivan & Danna LLC, James Sullivan, Waddell & Reed, Inc., and various insurance carriers. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations with a range of advisory programs, financial planning services, and brokerage offerings supported by research and model portfolios.

Sharon Wisler is a financial advisor at LPL Financial with 15 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021. Prior to that, she spent 11 years with various insurance carriers and Waddell & Reed, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Ethan Taylor is a financial advisor with LPL Financial in Richmond, Kentucky. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining LPL Financial, Taylor has held roles at Cerity Partners and Roberts Insurance and Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios and research from multiple sources.

Annette Shanks is a financial advisor with LPL Financial in San Luis Obispo, CA, holding Series 63 and Series 65 credentials and with 25 years of industry experience. She previously worked at Centaurus Financial Inc. and THE O.N. Equity Sales Company, as well as Ohio National Financial Services. Outside of her advisory role, she is involved with Medallion Financial and Insurance Services, focusing on insurance product sourcing and servicing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing discretionary and non-discretionary management supported by in-house and third-party research.

Douglas Stephens is a financial advisor with LPL Financial in Lawrence, KS, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with Fifteen:22 Financial Partners since 2013 as a partner and registered representative. Outside of his advisory role, he manages a family-owned real estate holding company. LPL Financial serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services. The firm supports both discretionary and non-discretionary management and provides model portfolios, research, and technology-enhanced investment solutions.

Madison Tilles is a CFP® professional with three years of experience in financial advising, currently affiliated with LPL Financial. Prior to joining LPL, Madison held roles at Delta Community Credit Union and worked in education at the University of Georgia and Columbus State University. Madison also serves as a Client Relationship Manager at Ash Brokerage and holds a financial institution duty role with Members Trust Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Gina Johnston is a financial advisor with LPL Financial in Maryville, TN, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Dywane Hall is a financial advisor with LPL Financial in Springfield, VA, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with LPL Financial since 1985. Hall volunteers as a financial literacy presenter for college students at historically Black universities through the Society for Financial Development. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jeremy Peacock is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previously worked in various roles outside of finance, including positions in hospitality and golf-related businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management alongside model portfolios and third-party research.

David Nash is a Series 66-licensed financial advisor with LPL Financial in Flagler Beach, FL, where he has worked since 2016. He has 13 years of industry experience. Outside of his advisory role, Nash is an author and photographer, having published a book titled *The Sheriff, A Pete And Charley Adventure*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

William Murphy is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at firms including Citizens Securities, Cetera, Wells Fargo Clearing, and PNC Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Joseph Markiewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Grove Point Advisors, LLC and Grove Point Investments, LLC, as well as service with the West Mifflin Area School District. Outside of his advisory work, he serves as an assistant football coach for the Steel Valley School District. LPL Financial is a national SEC-registered investment adviser and broker-dealer providing services to individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, supported by research and model portfolios from LPL Research and third-party subadvisors.

Julia Toone is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and nine years of industry experience. Her career includes roles at Wells Fargo Clearing, JPMorgan Securities LLC, and JPMorgan Chase Bank. She is also a notary for Safe Credit Union in North Highlands, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by model portfolios and research.

Steven Belloli is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Spc and Sigma Financial Corporation for 13 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, third-party subadvisors, and innovative technologies.

Todd Carlson is a financial advisor with LPL Financial in Muskegon, MI, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory work, Carlson serves as a public address announcer for sports at Mona Shores Public Schools. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by research, model portfolios, and various management approaches.

Kim Wawrzynowicz is a financial advisor with LPL Financial who holds a Series 65 designation and has 13 years of industry experience. Prior to joining LPL Financial in 2025, Kim worked at Cadaret, Grant & Co., Inc., Securities America Advisors, Inc., and Investacorp Advisory Services, Inc. Kim is also a partner at PREMIER CPAs P.C., a role held since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches and various model portfolios.

David Olsen is a financial advisor with LPL Financial based in Amsterdam, NY. He holds Series 63 and Series 65 licenses and has 38 years of industry experience, including 27 years at Linsco/Private Ledger Corp. Outside of his advisory role, he is the sole owner of OCM Holdings and is involved in soliciting long-term care insurance and fixed annuities through National/New York Long Term Care Brokers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive advisory programs, retirement plan consulting, and brokerage services supported by research and diversified investment strategies.

Jeffery Reese is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2008. Reese also works with Washington State Employees Credit Union, where he has been involved since 2004 and participates in insurance services related to that organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by proprietary research and third-party resources.

Lisa Goins is a financial advisor at LPL Financial in Knoxville, TN, holding a Series 66 license with 14 years of industry experience. She previously worked at Sagepoint for 11 years and OSAIC for one year before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by in-house and third-party research.