David Hart is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Guggenheim Funds Distributors, Triad Advisors, and Michigan Money Management Advisers, LLC, where he is currently associated. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting services supported by both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Christian Ragsdale serves as a Resident Director at Merrill, where he works with business owners, entrepreneurs, families, and retirees on wealth management, retirement planning, business succession planning, and multigenerational wealth transfer strategies. He collaborates closely with clients and their professional advisors, including attorneys and CPAs, to coordinate personal, business, and legacy planning objectives. Christian holds the CFP®, CPFA®, and CEPA® designations and takes a disciplined, goals-based approach in helping clients address their financial priorities by leveraging the resources of Merrill and Bank of America. Christian is a graduate of Michigan State University with a bachelor's degree in Supply Chain Management. Outside of his professional responsibilities, he is actively involved in the local community through organizations such as Generation Lansing, Junior Achievement of Mid Michigan, Laingsburg Educational Advancement Foundation, Laingsburg Alumni Legacy Association, and the Laingsburg School Board. He lives in Laingsburg, Michigan, with his wife Hayley and their three sons, Elijah, Zander, and Tucker. In his personal time, Christian enjoys spending time with family and friends and follows Michigan State athletics.

Hayden Cross is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Cross Ragsdale team. He and his team provide comprehensive financial services to individuals, families, and businesses by utilizing the resources offered by Merrill Lynch Wealth Management and Bank of America. Hayden focuses on helping clients accomplish their objectives through personalized financial planning. He is a second-generation financial advisor with lifelong industry experience and is known for his problem-solving abilities, patience, and listening skills. Hayden works alongside an experienced team of five to deliver financial strategies in areas including education planning, employee benefits, family wealth management, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Hayden grew up in the Lansing area and earned an associate's degree from Grand Rapids Community College and a bachelor's degree in Personal Financial Planning from Central Michigan University. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Hayden has interests in adventure sports, baseball, biking, fishing, golfing, hiking, photography, scuba diving, skiing, and watching movies. He is also engaged in community volunteer activities as part of his commitment to the Merrill tradition of participation.

Jeffrey Hansen is a CFP®-certified financial advisor with 34 years of industry experience. He is currently with LPL Financial and previously worked at Spc and Sigma Financial Corporation for 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and research from LPL Research.

Brendan Kahl is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior work includes roles at Macatawa Bank, Infinex Investments, and the Country Club of Lansing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Bryan Allen is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill and Merrill Lynch since 2018, following two years at UMB Fund Services. Outside of his advisory role, Allen is involved in a guardianship business based in Sturgeon Bay, Wisconsin. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Kelli Fenstemaker is a Series 66-licensed financial advisor with Ameriprise in Okemos, MI, with 10 years of industry experience. She has been with Ameriprise and its affiliated entities since 2013. Outside of her primary role, she is also an Associate Financial Advisor managing an advisory business at RNB Greenlight LLC. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Adrian Vande Guchte is a financial advisor at Edward Jones with 15 years of industry experience and holds a Series 66 designation. He has been with Edward Jones since 2010. Outside of his advisory role, he also sells hobby wood turnings. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Mark Garrod is a financial advisor with LPL Financial in East Lansing, MI, holding Series 63 and Series 66 credentials and 37 years of industry experience. His prior roles include positions at CUNA Mutual Group, CUNA Brokerage Services, Inc., and CUSO Financial Services, Lp. Outside of his advisory work, he owns a home-based woodworking business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

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.

Noah Stewart is a financial advisor at Merrill based in Lansing, MI, holding a Series 66 designation. He has one year of industry experience, previously working at Bank of America, N.A., and spent nine years in full-time education before entering the financial sector. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Ryan Riley is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 19 years of industry experience. His prior work includes eight years at J.P. Morgan Securities and a period at Murner North, LLC. Outside of advising, Riley is involved in residential construction through his ownership in MC Builders. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which combines written recommendations and ongoing tax-aware withdrawal advice.

Gary Ludtke is a financial advisor at LPL Enterprise with 42 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to joining LPL Enterprise in 2024, he worked for over five decades at The Prudential Insurance Company of America and its affiliated entities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, delivering investment advice primarily through its network of investment adviser representatives using a combination of proprietary and third-party strategies.

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.

Douglas Kahl is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Kahl serves on the finance committee of Redeemer UMC in Dewitt, MI, and supports financial literacy programs as a support teacher at Dewitt Junior High. 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 approach is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances.

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.

Lyn Hulce is a financial advisor at Wells Fargo Clearing in East Lansing, MI, holding Series 63 and Series 66 designations with 11 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a one-year tenure 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 discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment offerings.