Bryan Poirier is a CFP®-credentialed financial advisor with 35 years of industry experience, currently with OSAIC since 2024. His prior roles include positions at Woodbury Financial Services and Questar Asset Management, spanning over 16 years combined. Outside of finance, he has been a professional musician performing locally in the Traverse City area since 1979. OSAIC serves a diverse range of clients, including individual, high-net-worth, institutional, and charitable organizations, providing brokerage, advisory, and financial planning services through a large network of advisors and multiple platforms. The firm employs a variety of asset allocation tools and offers both discretionary and non-discretionary portfolio management with access to third-party investment solutions.

Steven Kelty is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in serving small business owners and retirees, focusing on personal retirement planning, tax minimization, and retirement income strategies. Steven holds a Bachelor's Degree from Western Michigan University and is a CERTIFIED FINANCIAL PLANNER™ (CFP) as well as a Personal Investment Advisor (PIA). His approach emphasizes connecting clients to tailored plans aligned with their unique ambitions and priorities, aiming to simplify the complexities of investing. Outside of his professional work, Steven enjoys biking, boating, camping, running, and skiing.

Buz Zamarron is a financial advisor at Stifel with 39 years of industry experience. He has been with Stifel since 2009 and holds the Series 63 and Series 65 licenses. Outside of his advisory work, he serves as a Successor Trustee of a family trust and is involved with the Exchange Club of Traverse City. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Its investment recommendations are based on a proprietary methodology developed by the firm's Investment Strategy Group, providing guidance for asset allocation, retirement, insurance, and estate planning.

Harold Kranick is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, with 33 years of industry experience. He has worked with Cetera and related entities since 2021 and was previously with VOYA Financial Advisors from 2014 to 2021. Outside of advising, he is associated with several insurance agencies and fixed insurance product sales. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to utilize both affiliated and third-party investment strategies.

Ryan Black is a CFP® with eight years of industry experience, currently serving at Wells Fargo Clearing since 2017. Prior to this, he worked at Johnson and Johnson for one year. He is a member of the Investment Policy Committee and the Finance Committee at The Children's House Montessori in Traverse City, MI. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Tate Yonker is a financial advisor at J.P. Morgan Securities with a Series 66 designation and less than one year of industry experience. Prior to joining J.P. Morgan, he held positions at Equitable Financial Life Insurance and Raymond James, and he attended Michigan State University from 2021 to 2025. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Mari Calton is a Series 66-licensed financial advisor with Raymond James Financial Services Advisors, Inc. in Traverse City, MI, with six years of industry experience. She has worked at IB Wealth Management, Cetera, and Independent Bank. Outside of her advisory work, Calton serves as treasurer and resident agent for Crossroads Church of the United Brethren in Christ and is vice president of the Charlotte Orioles Band Boosters, coordinating special events for students. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional accounts. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports clients through advisory programs and institutional consulting.

Dennis Brodeur is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2000. Outside of advising, he is a partner in JACER Properties LLC, which owns and leases office space to his Raymond James branch. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Lauri Mcdougall is a financial advisor with Raymond James & Associates in Traverse City, MI, holding Series 63 and Series 65 licenses and having 32 years of industry experience. She has been with Raymond James & Associates since 2000. Outside of her advisory role, she has worked as a sales clerk at Younkers in Traverse City. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a broad range of portfolio management styles and affiliated research.

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.

Gwendolyn Flees is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Matthew Eckenrode is Senior Resident Director at Merrill, where he and his team provide investment planning-based wealth management services. With a career in financial services beginning in 2004 and joining Merrill in 2010, Matthew specializes in helping high net worth individuals, families, and businesses develop strategies tailored to their financial goals. His expertise includes family wealth management, personal retirement planning, philanthropic planning, portfolio management, and integrating corporate benefit programs such as equity compensation and deferred compensation plans into long-term financial approaches. Matthew holds a Bachelor's Degree from Michigan State University and carries professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). He applies a goals-based approach to wealth management, working closely with clients to ensure their wealth is allocated to support their personal objectives. Matthew is also involved with the Psi Upsilon Foundation, serving as Vice Chair and participating on the foundation’s investment committee. Outside of his professional responsibilities, Matthew enjoys boating, football, golfing, woodworking, traveling, and spending time with his family. He is an avid supporter of Michigan State University and stays connected with the MSU community through attendance at games and events.

David Appleford is a financial advisor with Robert W. Baird & Co. in Traverse City, MI, holding a Series 66 designation and 19 years of industry experience. He has been with Robert W. Baird & Co. since 2006. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a combination of in-house and third-party managers across a range of investment strategies and account structures.

James Mellinger is a financial advisor with Edward Jones in Traverse City, MI, holding Series 63 and Series 66 designations and possessing 33 years of industry experience. He has been with Edward Jones since 1992. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients across a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a variety of discretionary and non-discretionary investment strategies, overlay and tax-efficient services, and affiliated investment products through a large national network of advisors and branch offices.

Jeffrey Spencer is a Series 66-licensed financial advisor with 15 years of industry experience, currently with Equitable Advisors since 2024. He previously worked at Wedbush Securities Inc for nine years and Stifel for four years. Outside of his advisory role, he serves as president of the Hidden Ridge Association homeowners' board and coaches a boys basketball team in Traverse City. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, institutional clients, and charitable organizations. The firm utilizes a range of advisory programs and third-party managers to tailor investment solutions based on client risk profiles and objectives.

William Van Vreede is a financial advisor at Cetera with over 44 years of industry experience. He holds Series 63 and Series 65 credentials and has held roles at firms including Voya Financial Advisors and Front Street Benefits LLC. Outside of his advisory work, he is involved in managing insurance agencies and owns a business focused on oil and gas exploration. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors using a multi-manager platform and multiple program structures.

Jonathan Wheatley is a financial advisor with Robert W. Baird & Co. in Traverse City, MI, holding a Series 66 designation and six years of industry experience. His prior work history includes positions at Bank of America and Merrill, each from 2020 to 2024, and two decades with the Antrim County Sheriff's Office from 2000 to 2020. The DDK Group at Robert W. Baird & Co., where Wheatley is based, serves a diverse client base including individuals, corporate clients, pensions, and charitable organizations. The firm offers a variety of financial planning, consulting, and portfolio management services that incorporate internal research, manager selection, and oversight, with nearly $394 billion in regulatory assets under management as of December 2025.

Raja Asava is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 25 years of industry experience. His prior roles include positions at Spc, Sigma Financial Corporation, and Schekpo Inc. He is also involved with H&R Block in tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad platform that includes financial planning, model portfolios, third-party asset management, and institutional offerings.

Brian Percy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Peter Braden is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 credentials. He has 19 years of industry experience, including five years at Morgan Stanley Private Bank, National Association, prior to joining Cambridge in 2020. Outside of his advisory role, he is a partner in Hearth Sauna Partnership, a business based in Traverse City, MI. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through independent financial professionals, offering a variety of portfolio management approaches across multiple platform arrangements.