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.

Willis Ashby is a CFP® with 27 years of industry experience, currently serving at Integra Financial, Inc. since 1993. He holds the Series 63 designation and is involved as a trustee for Kids Accounts and as a partner in Partnership Family Coop. Integra Financial serves individuals, small businesses, trusts, pension plans, and estates, offering discretionary portfolio management, financial planning, and ERISA 3(21) plan advisory services. The firm employs a value-oriented investment approach combined with fundamental and technical analysis, utilizing third-party sub-advisors and option-based strategies.

Alison Ashby is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Integra Financial, Inc. in Bellaire, Michigan. Her work history is primarily with Integra Financial, where she has been employed since 2022. Integra Financial serves individuals, small businesses, trusts, company pension plans, and estates by providing discretionary portfolio management, financial planning, and ERISA 3(21) plan advisory services. The firm employs a value-oriented investment approach that integrates fundamental and technical analysis, continuous account monitoring, and tactical adjustments under varying market conditions.

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.

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.

Matthew Quinter is a financial advisor at Fifth Third Securities, Inc. based in Traverse City, MI. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Quinter has been with Fifth Third Securities since 2007 and has worked at Fifth Third Bank since 2003. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

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.

Cary Wieting is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with Merrill and Bank of America since 2010. Outside of his advisory role, he serves as a committee member of WS Family LLC and acts as president and treasurer of the Bay Harbor Club Association, a neighborhood homeowners association. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, providing managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and monitoring, offering diverse program strategies and tax-efficient investment solutions, supported by deep integration with Bank of America affiliates.

Maurice Dennis II is a financial advisor with LPL Financial in Traverse City, MI, holding a Series 66 designation and 25 years of industry experience. He has been with LPL Financial and its predecessor firms since 2007. Outside of his advisory role, he is a notary public. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of financial planning and asset management solutions supported by an in-house research team and a large network of investment adviser representatives.

Paul Leonard is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise Financial Services, Inc. from 2010 to 2018, followed by Securities America Advisors and Securities America, Inc. since 2018. Leonard serves as president of the Infinite Multisport Triathlon Club and is involved as treasurer of The Friends of Glacial Hills and president of Forest Condo. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement, focusing on tax-smart withdrawal strategies and Social Security claiming options. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

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.

John Ehardt is a CFP®-designated financial advisor with 34 years of experience, currently affiliated with LPL Financial and Advanced Financial Group, Inc. in Traverse City, MI. He has been with LPL Financial since 2000 and Advanced Financial Group since 2002. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of financial planning and asset management solutions supported by an in-house research team and a large network of investment adviser representatives.

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.

Jennifer Root is a financial advisor with LPL Financial in Traverse City, MI, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been associated with Linsco Private Ledger Corp since 2001. Additionally, she serves as a notary public in Michigan. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plans, institutions, and high-net-worth households. The firm offers various investment solutions supported by an in-house research team and a broad platform that combines advisory and brokerage services.

Richard White is a financial advisor with LPL Financial in Traverse City, MI, holding a Series 66 designation and 27 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he owns a part-time seasonal boat rental business offering fishing and pontoon boats. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, and charities. The firm offers a range of investment solutions supported by in-house research and a large network of investment adviser representatives.

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.

Michael Healey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves on the Day Park Advisory Committee in Torch Lake Township, focusing on park safety and related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is driven by investment policy statements and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

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.

Lawrence Avery is a financial advisor with LPL Financial in Traverse City, MI, holding a Series 66 designation and 24 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory work, he plays guitar in a swing band several times a year and serves on the board of trustees for a local nonprofit academy and thrift store. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment delivery options supported by an in-house research team and a large network of investment adviser representatives.

Robert Joyce is a financial advisor with Edward Jones in Bellaire, MI, holding CFP® and Series 66 designations and bringing 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory role, he is a partner in a property management business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, managing over $1 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Kimberly Arnett is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. She holds the Series 66 designation and is based in Kewadin, MI. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supporting approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices.

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.

Steven Brothers is a financial advisor with LPL Financial in Traverse City, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 2006. Outside of his advisory role, he owns a home-based fencing business. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households, offering a range of advisory and brokerage services supported by an in-house research team and a variety of investment solutions.

Randy Miller is a financial advisor with LPL Financial in Traverse City, MI, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2003. In addition to his advisory role, he is involved in tax preparation and other accounting functions through Flaherty & Warren, PC. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team and a large network of investment adviser representatives.

Tod Taylor is a financial advisor with LPL Financial based in Traverse City, MI. He holds the ChFC® designation and has 32 years of industry experience. His prior work includes 15 years with Advanced Financial Group, Inc. In addition to his advisory role, he rents the lower portion of his home as a short-term vacation rental. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, and institutions, offering a wide range of advisory and brokerage services supported by an in-house research team and flexible investment solutions.