Dawn Moses is a financial advisor at Sensible Financial Solutions, LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Sensible Financial Solutions since 2017, following a year at PNC Investments. Outside of finance, she has provided private piano instruction since 1999 and serves as chair of the Kalkaska Conservation District Board. Sensible Financial Solutions primarily serves individual and high-net-worth clients with financial planning and portfolio management, employing a mainly passive investment approach focused on diversified index funds and ETFs. The firm coordinates third-party portfolio management and offers services including direct indexing with ESG and tax customization.

Randall Kamps is the sole advisor at I Am, Inc., an independent firm based in Williamsburg, Michigan. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Kamps has been with I Am, Inc. since 2001 and has also been affiliated with Massachusetts Mutual Life Insurance Company since 1996. Outside of his advisory role, he serves as president and owner of a third-party administrative business. I Am, Inc. specializes in holistic retirement income planning and consulting for individuals and retirement plan sponsors. The firm focuses on retirement topics such as Social Security, annuities, long-term care, and estates, and refers clients to third-party asset managers for investment implementation, operating primarily as an advisory and referral practice rather than a discretionary manager.

Debora Craig is a financial advisor at Crystal Coast Wealth Advisors LLC with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Cary Stamp & Company/Commonwealth Financial Network and Craig Wealth Advisors LLC/Raymond James. She is also an author of a book on investment planning published in 2017. Crystal Coast Wealth Advisors LLC provides portfolio management and financial planning services to individuals, high-net-worth individuals, and corporate clients. The firm employs fundamental analysis and modern portfolio theory with a focus on long-term trading and strategic asset allocation across various asset classes.

Darren Conklin founded Conklin Financial Management in 2017 with his wife, Barbara, after determining throughout his career in financial services that many people would be better served with a fee-based, fiduciary approach to planning and an investment philosophy built on a foundation of market information and financial science. Darren is a University of Michigan graduate and proud father of two and grandfather of three. He has been a business owner for many years and has extensive experience with starting, buying, and selling businesses; college funding; long term care; divorce; and retirement accumulation and income planning. Darren has been heavily involved in the community including many years as a high school football coach, board member and volunteer across many different organizations.

Jonathon Wells is a financial advisor at Financial Transparency with 14 years of industry experience and holds the Series 66 designation. He has worked at Envision Financial Transparency, LLC since 2018 and previously held roles at Spartan Brewpub and Consulting Services Support Corporation. Outside of his advisory work, he provides consulting and development support for ProScore, LLC, a financial software company. Financial Transparency offers asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary, using Modern Portfolio Theory and the Efficient Market Hypothesis to build portfolios that include both passive and active strategies, with features such as customized managed accounts and advisory oversight of held-away retirement accounts.

Justin Cherwinski is a financial advisor with ASSET ALLOCATION STRATEGIES, LLC and holds Series 63 and Series 65 licenses. He has 11 years of industry experience, including prior roles at GLP Investment Services, LLC, GLP & Associates, and The Huntington Investment Company. Outside of his advisory work, he is also an insurance agent focusing on life insurance and fixed/index annuity sales. ASSET ALLOCATION STRATEGIES, LLC serves individual retail clients and plan sponsors, managing both personal and employer-sponsored retirement accounts. The firm employs quantitative asset allocation techniques and a mix of proprietary and third-party model portfolios, serving nearly 3,900 clients with approximately $767 million in assets under advisement.

David Jung is a CFP® professional with 38 years of industry experience. He has been affiliated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA since 1995 and has operated Dave Jung & Associates since 1991. His background includes ownership of a non-variable insurance agency in Williamsburg, MI. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent Investment Advisor Representatives, operating an open-architecture platform with multiple custodians and third-party money managers.

Thomas Shelder is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at &Partners since 2023. Prior to joining &Partners, he spent 12 years with Edward Jones. Outside of his advisory role, he is the owner of AEL Properties, LLC, a rental property business in Williamsburg, MI. &Partners serves a diverse client base including individuals, retirement plans, charitable organizations, and private business owners. The firm offers a broad range of services such as portfolio management, financial and tax planning, estate and trust consulting, and retirement plan education, utilizing both proprietary and third-party strategy models within a technology-driven platform.

Paul Brewer is a financial advisor with UBS Financial Services in Rapid City, MI, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to create tailored financial plans and portfolio management solutions.

Larry King II is a financial advisor at Edward Jones with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a broad range of households and organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Tracy Raz is a financial advisor with Robert Baird & Co. in Williamsburg, MI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Robert Baird & Co. since 1996. Outside of her advisory role, she owns and operates a business services LLC and is involved in real estate activities, including serving as a real estate agent and managing rental properties. The DDK Group at Robert W. Baird & Co. provides tailored wealth management services to individuals, families, pensions, corporations, and charitable organizations. Their approach includes financial planning, discretionary and non-discretionary portfolio management, and customized investment strategies utilizing both in-house and third-party managers.

Emma Thompson is a financial advisor at Robert Baird & Co. with four years of industry experience. She holds the Series 66 designation and has been with Baird since 2018. Outside of her advisory role, she has been involved with the Saskatoon Golf Club since 2017. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Nathan Goffnett is a financial advisor at Edward Jones in Kalkaska, MI, holding a Series 66 designation. He joined Edward Jones in 2025 and has prior experience at Consumers Energy and several roles associated with Central Michigan University. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a large nationwide network of financial advisors and branch offices.

Debra Pauldine is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Matthew Knust is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America NA, Merrill, and Central State Bank prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Adrian Chisholm is a financial advisor with Ameriprise in Rapid City, MI, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory role, he works as a dance instructor at Alden Dance Academy, teaching ballet, tap, jazz, and contemporary dance. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kaila Williams is a financial advisor with Raymond James Financial, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Merrill, Bank of America, and Craig Wealth Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and a mix of advisory and brokerage solutions supported by firm research and an extensive affiliate network.

Daniel Mooradian is a financial advisor with Morgan Stanley in Williamsburg, MI, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and analyses but does not provide individual security recommendations within standalone planning.

Donald Duggin Jr. is a financial advisor at Edward Jones with 16 years of industry experience and holds the Series 66 designation. He has been with Edward Jones since 2009. Outside of his advisory role, he is the owner of a Michigan-based Airbnb business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive advisor and branch network as well as affiliated capabilities beyond advisory services.