Hayden Cross is a Financial Advisor with Merrill Lynch Wealth Management, where he works as part of the Benington Cross Group to provide comprehensive wealth management strategies. He focuses on understanding clients and their families to create customized financial plans that adapt to changing needs and market conditions. His approach integrates investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Hayden graduated in 2021 from Central Michigan University with a bachelor's degree in Personal Financial Planning. He also holds an associate's degree from Grand Rapids Community College. Early in his career, he participated in an advisor development program with Bank of America and Merrill, gaining experience as a relationship manager and financial solutions advisor. Hayden holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Committed to the communities he serves, Hayden follows the Merrill tradition of volunteering with local organizations. Outside of work, he enjoys a variety of outdoor and recreational activities such as adventure sports, baseball, biking, fishing, golfing, hiking, photography, scuba diving, skiing, and watching movies.

Bryan Allen is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. He has worked with Merrill and its predecessor entities since 2018 and previously spent two years at UMB Fund Services. Outside of advisory work, he is involved in a guardianship role in Sturgeon Bay, Wisconsin. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Erin Mackie is a financial advisor with Edward Jones, holding a Series 66 designation and over three years of industry experience. She has been with Edward Jones in various roles since 2004. Outside of her advisory work, Mackie serves as a director for the Delta Side Business Association in Lansing, MI, where she helps manage the website, coordinates business expos, and responds to member inquiries. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of investment advisory programs and tax-efficient services. The firm manages approximately $1.01 trillion in assets and supports its clients through a large network of financial advisors and branch offices.

Adrian Vande Guchte is a Series 66-licensed financial advisor with Edward Jones, based in Grand Ledge, MI. He has 16 years of industry experience, all with Edward Jones. Outside of his advisory role, he sells hobby wood turnings. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of investment strategies including discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large retail advisor and branch network, as well as affiliated capabilities such as a trust company and securities-based lending options.

Mark Garrod is a financial advisor with LPL Financial in East Lansing, MI, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. His prior roles include positions with CUNA Mutual Group, CUNA Brokerage Services, Cuso Financial Services, and SPC. Outside of finance, he owns a woodworking business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, combining a broad advisory platform with extensive non-advisory financial services.

Jeffrey Richards is a financial advisor with Mass Mutual Investors Services in Lansing, MI, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 1986. Outside of his advisory role, he is a partner in R & A Management LLC, a company formed to manage office operations and employees. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved analytical tools to provide written financial recommendations, with implementation through separate brokerage or insurance arrangements.

Nathan Clark is a financial advisor at Ameriprise with 19 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill for ten years. Clark serves on the Board of Directors for the Greater Lansing Amateur Golf Association. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendation reports through a centralized consulting team.

Benjamin Westin is a financial advisor at Morgan Stanley in East Lansing, Michigan, holding a Series 66 designation with 10 years of industry experience. His prior roles include six years at Regal Financial Group and earlier positions within Morgan Stanley and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jennifer Edwards is a financial advisor with Morgan Stanley in East Lansing, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she serves as a notary public, dedicating one hour per week during trading hours. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Robert Demarco is a financial advisor at Fidelity with six years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise, Flexible Plan Investments, and Michigan First Credit Union. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, and holds a distinctive role as a registered commodity pool operator and advisor to multiple registered investment companies.

Richard Sneary is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in retirement planning and wealth management strategies. With over two decades of experience in the financial industry, Rich integrates his expertise with the resources of Bank of America and Merrill to provide tailored financial solutions that align with his clients' goals. He is committed to building long-term relationships that adapt to clients' unique needs and life stages. Rich holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He obtained his High School Diploma from North Adams High School. His practice areas include college education planning, employee benefits planning, LGBT wealth planning, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. In addition to his professional commitments, Rich serves on advisory boards for the Wharton Center for the Performing Arts and University of Michigan - Sparrow Specialty Health Center. He is also actively involved in community organizations such as Habitat for Humanity, Junior Achievement, and the Red Cross. Outside of work, Rich enjoys biking, boating, gardening, hiking, music, reading, running, spending time with family, traveling, and watching movies.

Kevin Moore is a financial advisor with Merrill in East Lansing, MI, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Merrill since 2010 and at Bank of America since 2011. In addition to his advisory role, he serves as a trustee for family trusts and holds power of attorney for relatives. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicole Nyboer Halliwill is a financial advisor with Edward Jones in Lansing, MI, holding a Series 66 designation and eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Lexis Nexis. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and a fiduciary standard of service.

Trenton Hagenbach is a financial advisor with Ameriprise in East Lansing, MI. He holds a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Lake Huron Credit Union, General Nutrition Center, and several educational institutions. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement-income planning through a written Recommendation Report and ongoing advice. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools, with specific enrollment criteria and an investment offering influenced by affiliated product relationships.

Thomas Grant is a Series 66-registered financial advisor with J.P. Morgan Securities, where he has worked since 2012. He has 21 years of industry experience, including roles at JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm operates with a non-discretionary investment program, combining large institutional advisory capabilities with broker-dealer and futures commission merchant registrations.

Joel Carlson is a financial advisor with Ameriprise in Charlotte, MI, holding a Series 66 designation. He joined Ameriprise in 2024 and previously worked in education for over a decade, including positions at Olivet College and Potterville Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Anthony Barst is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes a decade at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank. He is a member of the MSU Finance Association Advisory Board. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by firm-approved tools and research, with assets under management totaling approximately $2.74 trillion.

Alexander Rowe is a Series 65-licensed financial advisor with LPL Financial, based in East Lansing, MI, and has three years of industry experience. Prior to joining LPL Financial in 2025, he worked at Sapphire Blue Investment Partners and DI Training. Outside of financial advising, he owns a personal training business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, asset management programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Emily Goodrich is a Series 66 licensed financial advisor with Edward Jones, based in East Lansing, MI, and has three years of industry experience. She has worked exclusively at Edward Jones since 2015. Outside of her advisory role, she creates and sells handmade crochet items through Etsy and craft fairs. 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, offering a range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Gregory Miller is a financial advisor at Ameriprise with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill Lynch. He has been with Ameriprise since 2019. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.