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.

Ryan Mccallum is a financial advisor with Valic Financial Advisors in Alpena, MI, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Valic Financial Advisors since 2018 and also holds a position as an agent with AGIA, where he is involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Cameron Bernicki is a financial advisor at LPL Enterprise with three years of industry experience. He holds the Series 63 and Series 65 credentials. Prior to joining LPL Enterprise, he worked at Thrivent Financial and Thrivent Investment Management Inc. Bernicki is also involved in coaching local hockey teams, including the Alpena High School Junior Varsity Hockey Team and Alpena 45ers. LPL Enterprise provides advisory services through a large network of investment adviser representatives to a diverse client base, offering financial planning, access to model wealth portfolios, and third-party asset management programs. The firm serves individuals, retirement plans, charitable organizations, and corporate clients.

Andrew Kowalski is a CFP® and Series 66 licensed advisor with Edward Jones, where he has worked since 2017. He has eight years of industry experience, including three years at MidMichigan Health prior to joining Edward Jones. Outside of his financial advisory role, Kowalski serves as a volunteer vice president on the board of Northern Lights Arena and is a Learn to Skate instructor with the Alpena Hockey Association. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,000 financial advisors.

Philip Straley is a financial advisor with LPL Financial, holding the PFS™ and Series 66 designations and bringing 26 years of industry experience. His prior roles include long tenures at 1st Global Advisors, Inc. and 1st Global Capital Corp., as well as experience at Avantax Advisory Services. He is also involved in tax preparation and accounting through Straley, Lamp & Kraenzlein, P.C. in Alpena, MI. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan participants, institutions, and high-net-worth households. The firm offers a wide range of investment delivery options supported by an in-house research team and combines advisory operations with non-advisory product offerings such as insurance and lending services.

Marc Ferguson is a financial advisor with Edward Jones in Alpena, MI, holding the Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Edward Jones since 1996. Outside of his advisory role, Ferguson serves as president of MAGEC Properties LLC, a company managing buy-and-hold investment properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Chloe Ferguson is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Edward Jones in Alpena, MI. Her work history includes multiple roles at Edward Jones and the University of Michigan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Molly Benson is a financial advisor at OSAIC with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Inc. and Questar Asset Management. Outside of her advisory role, she owns and manages an office building in Alpena, MI. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services supported by technology-driven investment processes and access to multiple custodial platforms.

Pamela Kirchoff is a financial advisor at Edward Jones in Alpena, MI, holding Series 63 and Series 66 designations with 23 years of industry experience. She has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory programs and investment solutions through a large network of financial advisors and branch offices.

Jeffrey Niemetta is a financial advisor with Thrivent Investment Management in Alpena, MI, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior background includes roles in community mental health and education, including work with Disability Network Northern Michigan and Northeast Michigan Community Mental Health. He is also involved in community service as a Self Determination Worker, supporting individuals with mental illness and disabilities in accessing social and recreational activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based financial planning across various topics without discretionary trading authority, offering clients the option to combine planning with managed-account services while keeping them separate.

Leigh Robertson is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2020, he worked at Avantax Investment Services, Avantax Advisory Services, 1st Global Advisors, 1st Global Capital Corp., and Straley Lamp & Kraenzlein. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house Research team and accommodates both advisory and brokerage services tailored to client needs.

John Short IV is a Series 66-licensed financial advisor with four years of industry experience, currently affiliated with LPL Enterprise. Prior to joining LPL Enterprise in 2024, he held roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he serves on the board of Torah Community Fellowship and Alpena Streamline Club and officiates swim meets for local high school and club teams. LPL Enterprise provides advisory services through a broad network of investment adviser representatives, serving individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model wealth portfolios, and third-party asset management programs, combining advisory and brokerage capabilities.

Eric Ferguson is a CERTIFIED FINANCIAL PLANNER™ professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. He holds the Series 66 designation and has been involved with USA Hockey since 2009. Ferguson is also the owner of Ferguson Financial, LLC, a personal entity established to hold the real estate for his Edward Jones office. 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 nationwide network of over 23,700 financial advisors and emphasizes a fiduciary standard in its services.

Jay Hammond is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services, LLC. Outside of his advisory work, he serves as Tournament Director for the Alpena Mens Golf Association. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, combining retirement and fiduciary capabilities with its broader trust and institutional network.

Julie Powers is a financial advisor at Ameriprise with 19 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Oppenheimer for seven years. Outside of her advisory role, she serves on the Board of Directors for the Gustin Township Planning and Zoning Commission. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored retirement income recommendations within a large institutional framework.

Charles Ingle is a financial advisor with Edward Jones in Alpena, MI, holding Series 63 and Series 66 licenses and bringing 45 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1980. Outside of his advisory role, he is co-owner of a retail children's clothing store in Alpena. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 advisors and more than 15,000 branch offices.

Benjamin Strong is a financial advisor at Edward Jones in Alpena, MI, holding a Series 66 designation. He joined Edward Jones in 2025 and has prior experience in various roles across multiple industries, including Omni Metalcraft and Thunder Bay Tree Service. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm provides a range of investment strategies and advisory services through a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Bryan Strong is a CFP® with 22 years of industry experience and has been with Edward Jones in Alpena, MI since 2003. He owns and operates a tree farm and plays guitar and sings in a local band that often performs at nursing homes. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Angela Tanner is a financial advisor at Edward Jones in Alpena, MI, holding a Series 66 designation and bringing over 15 years of experience in the financial services industry. Prior to joining Edward Jones in 2021, she spent ten years at PNC Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,000 advisors and operates under a fiduciary standard.

Michelle Woodruff is a financial advisor at LPL Financial with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Cuso Financial Services, Alpena Alcona Area Credit Union, and PNC Bank and PNC Investments. Woodruff serves as a planning commissioner for the Charter Township of Alpena. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, and institutions, offering a range of financial planning and investment management solutions supported by an in-house research team.

Albert Senchuk is a financial advisor with State Street Financial Advisors, LLC, holding a Series 65 designation and 15 years of industry experience. He operates out of Alpena, MI, as the sole advisor at an independent firm. State Street Financial Advisors, LLC serves individual clients by facilitating introductions to registered third-party investment advisors and does not provide direct investment advice or manage client assets. The firm’s activity is limited to referrals and solicitation on behalf of third-party firms and maintains an affiliation with an accounting firm, which differentiates it from many independent solo advisors.