Karla Middleton is a financial advisor at Kovack Advisors, Inc. with 23 years of industry experience. She holds Series 63, 65, and 66 licenses and has been with Kovack Securities and Kovack Advisors since 2011. Outside of her advisory role, she operates Middleton Financial, a DBA focused on managing investments. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base including individuals, corporations, pension and profit-sharing plans, and banking institutions nationwide. The firm emphasizes diversified asset-class exposure using mutual funds and ETFs, offers both discretionary and non-discretionary asset management, and utilizes third-party managers and model portfolios to meet client objectives.

Craig Anderson is a financial advisor with Harbour Investments, Inc. in St. Joseph, Michigan, holding the ChFC® designation and Series 63 and 65 licenses. He has 17 years of industry experience and has been with Harbour Investments since 2016. Outside of his advisory role, Anderson operates a hospitality bed and breakfast from his home and is an author working on multiple books available on Amazon. Harbour Investments serves a diverse client base including individuals, trusts, pension and 401(k) plans, and other institutional entities. The firm offers a range of portfolio management and financial planning services, utilizing various investment approaches tailored by individual advisors and approved third-party managers.

Gregory Lannigan is a financial advisor with Harbour Investments, Inc. and Family Focused Financial, holding a Series 66 designation with six years of industry experience. Prior to his advisory roles, he spent ten years at Great Lakes Eye Care, where he continues to serve as a trainer in his spare time. Harbour Investments serves a diverse client base including individuals, trusts, and institutional entities, offering portfolio management, financial planning, and access to multiple investment strategies through both discretionary and non-discretionary services.

Carol Fasbender is a CFP® with 39 years of industry experience, currently affiliated with Harbour Investments, Inc. and Your Center for Investments, where she has worked since 2000. In addition to her advisory role, she is an independent insurance agent focusing on equity indexed annuities. Harbour Investments provides investment advisory and financial planning services to a diverse client base, utilizing customized strategies that include mutual funds, ETFs, fixed income, annuities, and model-based solutions.

Zayne Neumann is a financial advisor at Harbour Investments, Inc. with a Series 66 designation and approximately one year of industry experience. Prior to joining Harbour, he held roles at Family Focused Financial, State Farm, and various banking institutions. Harbour Investments serves a diverse range of clients including individuals, trusts, pension and 401(k) plans, and institutional entities, offering portfolio management, financial planning, and participant account management with multiple investment approaches tailored by individual advisors and approved third-party managers.

Adam Hentz is a financial advisor at Fifth Third Securities, Inc. based in St. Joseph, Michigan, holding Series 63 and Series 65 registrations with four years of industry experience. He has worked at Fifth Third Securities since 2022 and has been with Fifth Third Bank since 2016. Fifth Third Securities, Inc. serves a diverse client base including individual, high-net-worth, and institutional clients through both investment advisory and brokerage services. The firm offers multiple managed account programs via the Passageway platform, combining advisor-directed mutual fund and ETF models, SMA strategies, tax-overlay services, and direct indexing options.

David Hawkins is a financial advisor with The Huntington Investment Company in St. Joseph, MI, holding CFP® and ChFC® designations and bringing 26 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Cetera, and TCF National Bank. Outside of advisory work, he is involved in real estate activities, including property management, appraisal, and building renovation through his own business, D&H Rentals LLC. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other business entities with advisory and brokerage services. The firm offers multiple wrap-fee programs using an open-architecture model that integrates third-party and proprietary investment strategies.

Greg Hildebrand is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His prior work includes roles at KeyBank N.A., TIAA-CREF, and LPL Financial. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and model portfolio offerings. The firm emphasizes client-directed investment decisions supported by ongoing monitoring and due diligence, and it operates within the KeyCorp group with affiliations that include KeyBank and KeyBanc Capital Markets.

Courtenay Lavigne is a financial advisor with TIAA-CREF, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. She has worked at TIAA-CREF since 2014 and is also involved in marketing for Something from Nothing LLC, a business focused on a product innovation for curbside trash cans. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management services under a fiduciary standard.

Alan Gort is a financial advisor at Lincoln Investment with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Legend Equities Corporation for nine years before joining Lincoln Investment in 2017. Outside of his advisory role, he is involved in tax preparation and financial planning services and owns a beach house rental property. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a variety of advisory programs that combine strategic and tactical investment approaches.

Beth Marsh is a financial advisor with Fifth Third Securities, Inc. in St. Joseph, MI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at The Huntington Investment Company for 21 years and FMB Community Bank for 27 years before joining Fifth Third Securities and Fifth Third Bank in 2018. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate and business clients, and institutional investors. The firm provides multiple discretionary managed-account options and incorporates features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Joshua Crouch is a Series 66-credentialed financial advisor at Fifth Third Securities, Inc. with nine years of industry experience. He has worked at Fifth Third Securities since 2019, previously spending two years at Edward Jones and three years at Fifth Third Bank. Fifth Third Securities, Inc. serves individual and institutional clients through investment advisory and brokerage channels. The firm offers a variety of managed account programs and portfolio management options, operating as a wholly owned subsidiary of Fifth Third Bank with approximately $10.9 billion in assets under management.

Victoria Gort is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Lincoln Investment in 2017, she worked for Legend Equities Corporation and has been operating Executive Tax Service since 1990, where she provides tax preparation and estate planning advisory services. She is also involved in health and life insurance sales and manages a beach house rental business. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, advisor-managed and firm-managed portfolios, and operates as both a broker-dealer and insurance agency, employing a mix of strategic and tactical investment approaches overseen by an Investment Management & Research team.

Anna Zlotnicki is a financial advisor with Fifth Third Securities, Inc. She holds Series 63 and Series 65 credentials and has two years of industry experience. Her prior work includes roles at Fifth Third Bank and GRM Marketing. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and combines third-party portfolio managers with advisor-managed options, supported by a platform that includes direct indexing and tax-overlay services.

Nathan Rock is a Series 66-registered advisor with The Huntington Investment Company based in Niles, MI, and has eight years of industry experience. His prior work includes positions at Ameriprise Financial Services, Principal Securities Incorporated, and Northwestern Mutual. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other business entities with advisory and brokerage services. The firm employs an open-architecture investment model that combines third-party sub-managers and proprietary Private Bank offerings, using multiple wrap-fee programs on the Envestnet MAS platform.

John Seculoff is a Series 66-licensed financial advisor with Edward Jones, based in Dowagiac, Michigan, where he has worked since 2016. He has 14 years of industry experience. Outside of his advisory role, Seculoff is involved in his community as an assistant high school soccer coach, serves on multiple nonprofit boards including the Cass County Council on Aging and Beckwith Theatre, and holds leadership positions with the Rotary Club and Lee Memorial Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and advisory services. The firm operates an extensive national network of financial advisors and branch offices and offers both discretionary and non-discretionary managed solutions under a fiduciary standard.

Richard Sanders is a financial advisor with Robert Baird & Co. in St. Joseph, MI, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Robert Baird & Co. since 2019 and concurrently at J.J.B. Hilliard, W.L. Lyons, Inc. since 1998. 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 consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and a range of traditional and non-traditional investment strategies.

Michael Constantine is a financial advisor with Ameriprise who holds Series 63 and Series 66 designations and has 32 years of industry experience. He has been with Ameriprise since 2005, including its predecessor Ameriprise Financial Services, Inc. Outside of his advisory role, he is involved in real estate ownership through business entities that hold commercial and land properties. Ameriprise is a large institutional firm offering retirement-income planning services primarily to individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a combination of research, modeling, and automated tools to generate tailored retirement income recommendations.

Kim Mac Gregor is a financial advisor with Edward Jones in Dowagiac, MI, holding a Series 66 designation and 25 years of industry experience. She has been with Edward Jones since 2010. Mac Gregor is a founding board member of 100+ Women Who Care in Dowagiac, MI, an organization that directs charitable donations within the community. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains an extensive network of financial advisors and branch offices across the country.

Jenna Everett is a CFP® professional with 37 years of industry experience, currently advising at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she has business ownership in a non-investment-related real estate venture. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations in partnership with financial advisors.