Joseph Smalley is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Commonwealth Financial Network for 27 years before joining Cetera. Outside of his advisory work, Smalley is also an artist, writer, and photographer. Cetera Investment Advisers LLC serves individual and institutional clients nationwide, offering a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm supports a wide range of account structures and investment strategies.

Kevin Miller is a CFP®-designated financial advisor with 26 years of experience, currently with Osaic Wealth, Inc. He has previously worked at Securities America Advisors, Inc. and Investacorp Inc. Outside of his advisory role, Miller coaches youth hockey and owns a financial services firm focused on financial planning and investment management. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of affiliated advisors, utilizing asset-allocation tools and third-party money managers to deliver customized portfolio solutions.

David Anderson is a Financial Advisor at Merrill Lynch Wealth Management. He builds his financial practice around providing honest and sound financial advice, emphasizing communication and accessibility to ensure clients feel confident and comfortable with their financial plans. David focuses on understanding clients' short-, mid-, and long-term goals to develop tailored financial plans, backed by research from the Chief Investment Office and Bank of America Global Research, and provides ongoing advice as client needs evolve. His expertise includes education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master's Degree from Michigan State University and carries the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, David enjoys golfing, fishing, hunting, and spending time with his family. He is based in the Lansing area.

Stephen Blair is a financial advisor with Edward Jones in Mason, MI, holding a Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ryan Balks is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 18 years of industry experience. His prior experience includes roles at New York Life Insurance Company, NYLIFE Securities LLC, Signator Investors, and Commonwealth Financial Network. He also engages in fixed insurance sales as a secondary activity. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over $256 billion in assets under management.

Michael Glaser is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the title of Senior Vice President and brings expertise in individual equities, options, and retirement planning. Michael began his career with Merrill Lynch in 1994 after earning a Bachelor's degree in Finance from Michigan State University. He holds the Chartered Retirement Planning Counselor℠ designation and is recognized as a Personal Investment Advisor (PIA). His professional focus includes helping clients with retirement planning and managing investment options. Originally from Manchester, Connecticut, Michael currently resides in East Lansing, Michigan with his wife and two children.

Yarwijn Burnett is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2014, joining as part of the Draggoo Huber Team. Prior to her current role, she worked as a banker for JPMorgan Chase Bank starting in 2008. She holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Yarwijn advises retirees, women in transition, executives, and entrepreneurs, helping them pursue their financial goals and aspirations. Utilizing Merrill's proprietary Wealth Outlook and other analytical tools, she evaluates clients' overall financial well-being by considering variables such as retirement spending, inflation, taxes, asset allocation, and longevity expectations. Her approach emphasizes collaboration and attentive listening to provide personalized guidance tailored to each client's priorities. She holds a High School Diploma from Delphian School. Outside of work, Yarwijn dedicates time and resources to organizations such as the Greater Lansing Arts Council, Lansing Symphony, and Ingham County Animal Shelter. She and her husband, Adam, an attorney for the Sixth Circuit U.S. Court of Appeals, enjoy Lansing's art and music culture, as well as outdoor activities like hiking and camping with their two sons, Theodore and Winston.

Julia Sleeper is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2016 and has been associated with Cambridge Investment Research, Inc. since 2003. Sleeper has additional experience at Sutton Advisors PLC and Banc One Securities Corporation. Outside of her advisory role, she works as an independent insurance agent for various firms. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individual investors, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and both proprietary and third-party strategies.

Dean Cady is a financial advisor with Mass Mutual Investors Services in Lansing, MI, holding a ChFC® designation and Series 63 license. He has 34 years of industry experience, having worked with Mass Mutual Investors Services since 1992 and MassMutual Life Insurance Co since 1991. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, along with wrap programs, educational seminars, and specialized planning services.

Charles Sargent V is a Series 66-licensed financial advisor with 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors, LLC from 2013 to 2016. He is based in East Lansing, MI. 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.

Annette Wright is a financial advisor with LPL Financial in East Lansing, MI, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has worked at LPL Financial since 2023 and previously worked at Spc and Sigma Financial Corporation from 2012 to 2023. Wright also maintains a CPA practice providing tax services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jack Miceli is a financial advisor with LPL Financial based in East Lansing, MI, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior work includes roles at Edward Jones, GWN Securities Inc., Legend Advisory, LLC, and Equitable Advisors. He is also involved with Upstream Investment Partners, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary and third-party strategies supported by operational tools.

Grant Goetschy is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles at the Harry O Culp Insurance Agency and teaching positions at Alma College and Lansing Community College. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm integrates algorithmic automation and oversight in generating personalized retirement income strategies.

Jonah Bartlett is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he held roles at EduStaff, TechSmith, and Sparrow Michigan Athletic Club, as well as time spent self-employed. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and advisory services, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Emma Blanchard is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. She has worked at Morgan Stanley since 2023 and has held various roles including positions at Michigan State University and small businesses such as The Mint Door Boutique and Roberts Dairy Service. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Gavin Parry is a financial advisor at Ameriprise in Okemos, MI, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Plante Moran Financial Advisors and Jackson National Life. Outside of finance, he has been involved with the Children’s Garden Early Learning Community and worked at Dewitt Golf Center. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored retirement income plans primarily for clients maintaining assets in Ameriprise-managed accounts.

David Hart is a CFP®-designated financial advisor with 11 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Guggenheim Funds Distributors, Merrill, and Triad Advisors. He is based in East Lansing, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services through a large network of investment adviser representatives and utilizes various model portfolios and third-party asset managers.

Christian Ragsdale serves as a Resident Director at Merrill, where he focuses on wealth management strategies tailored to individual client goals. His role involves collaborating with business owners, entrepreneurs, families, and retirees to address areas such as retirement planning, business succession, and multigenerational wealth transfer. He holds the CFP®, CPFA®, and CEPA® certifications and works closely with clients and their professional advisors, including attorneys and CPAs, to coordinate personal, business, and legacy planning objectives. Christian takes a disciplined, goals-based approach leveraging the resources of Merrill and Bank of America to align financial strategies with client priorities. Christian is actively involved in his local community through educational, charitable, and civic organizations such as Generation Lansing, Junior Achievement of Mid Michigan, and the Laingsburg School Board. He is a graduate of Michigan State University with a bachelor's degree in Supply Chain Management. Outside of work, he enjoys spending time with his wife and sons.

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.

Jeffrey Hansen is a CFP® professional with 34 years of experience in the financial services industry. He is currently with LPL Financial and has held prior roles at SPC, Sigma Financial Corporation, and FSC Securities Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.