Ryan Carter is a financial advisor with Stifel, holding a Series 66 designation and 9 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he serves on the Board of Trustees and the Financial Investment Committee of the Capital Region Community Foundation and volunteers with local nonprofit organizations focused on community support. Stifel serves a diverse client base, including individual and institutional clients, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, supporting client decision-making across various financial needs.

Craig Lazar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Stoskopf is a financial advisor with OSAIC based in East Lansing, MI, holding CFP® and ChFC® designations and over 31 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent 24 years with Signator Investors, Inc. In addition to his advisory work, he is a musician and music teacher in Bath, MI. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and a range of managed account programs delivered through a multi-advisor platform.

Cole Frageman is a financial advisor with J.P. Morgan Securities in Okemos, Michigan, holding a Series 66 designation and 12 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2018 and previously held roles at Charles Schwab and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates centralized due diligence combining quantitative and qualitative research to support its advisory process.