Marie Smith is a financial advisor at LPL Financial with 29 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining LPL Financial in 2025, she worked at CUSO Financial Services and The Huntington Investment Company, where she spent 25 years. Outside of her advisory role, she is involved with Property North Management in Petoskey, 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Elizabeth Berge is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, she worked at Industrial Magnetics Inc., Moeller Mfg. Company LLC, and Williams International. Outside of her advisory role, she coordinates events at Boyne Ranch LLC Springbrook Farms and serves as a brand ambassador for Shaggy's Copper Country Skis. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and comprehensive service offerings.

Tyler Spence is a financial advisor with Raymond James & Associates in Petoskey, MI, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Raymond James & Associates since 1999. In addition to his advisory work, he serves on the finance committee of the Cottage Grove Association in Roscommon, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional consulting services.

Diana Eberhart is a financial advisor with Edward Jones in Petoskey, MI, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2017 and previously worked at Laura Ellis MD, Skin Care and Vein Center. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Sarah Polleys is a financial advisor with Edward Jones in Charlevoix, MI, holding a Series 66 designation and with nine years of experience at Edward Jones. Prior to joining the firm, she spent one year with the Community Reformed Church. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large national network of financial advisors and branch offices.

Anthony Provenzano is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill in 1984 and has over 48 years of experience in the financial industry. In his role, he works with individuals, families, and businesses to develop customized financial strategies that align with their financial goals. His expertise includes areas such as divorce transition planning, employee benefits planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, tax minimization, portfolio management, and small business strategies. Mr. Provenzano holds a Bachelor of Business Administration degree in Financial Management from Western Michigan University and holds the professional designation of Personal Investment Advisor (PIA). He has been recognized on the Forbes “Best-in-State Wealth Advisors” list multiple times, including in 2021, 2022, 2023, 2024, and 2025. Outside of his professional work, he has been actively involved in various community organizations. His personal interests include boating, golfing, spending time with family, and traveling.

Spencer Howey is a financial advisor with Edward Jones in Petoskey, MI. He holds the Series 66 designation and has prior experience at Citimark Management Co. Inc. and Howey & Associates Inc (now Arthur J Gallagher Co.). Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Matthew Glaser is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He has held positions at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2008. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations and offers a range of affiliated brokerage, distribution, and investment management services.

Jeff Wynder is a financial advisor with Ameriprise in Alanson, MI, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Outside of his advisory role, Wynder is a musician who performs live and manages the financial aspects of his music business, and he serves on the board of directors for Big Water Creative Arts. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions supported by research, modeling, and algorithmic tools to deliver tailored, non-discretionary recommendations.

Christian Johnson is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, specializing in asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG framework in its recommendations.

Carrie Titus is a CFP® professional with six years of industry experience, currently serving at Edward Jones in Charlevoix, MI. She has worked with Edward Jones since 2018 and has prior experience in various roles including retail with Tiny Man Company and education. Titus is a board member of the Crooked Tree Arts Center finance committee and serves on the Board of Review for Charlevoix Township. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 financial advisors.

Daniel Ledingham is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Edward Jones since 1998. 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 advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Michael Eberhart is a financial advisor at Edward Jones with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward D. Jones & Co., L.P. since 1989. 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 and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Sarah Foster is a CFP® and Series 66-licensed financial advisor at Edward Jones with 11 years of industry experience. She has been with Edward Jones since 2014 and also has a background in contracting through her ongoing role at A & S Contracting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard, supported by a large network of advisors and branch offices nationwide.

Ruth Skop is a financial advisor at Edward Jones with 17 years of industry experience. She holds the ChFC® and Series 66 credentials and has been with Edward Jones since 2008, following a prior career at Wood & Wicker Inc. Skop serves as a board member for Northern MI Equine Therapy, helping organize fundraising events to support scholarships for occupational therapy using horses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Alfred Sickinger is a financial advisor with Raymond James & Associates in Boyne City, MI, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a partial owner of a garage used to store his car collection. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

James Richman is a financial advisor with Edward Jones in Boyne City, MI, holding a Series 66 designation and eight years of industry experience. He worked at ReeceNichols and Saint Paul's Episcopal Day School from 2007 to 2017 before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Shaun Osborne is a financial advisor with Ameriprise in Petoskey, Michigan, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in property management and independent insurance brokering. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its advisory process.

David Ligotti is a CFP® professional with over 26 years of experience in the financial industry, currently serving with Cetera since 2004. He also operates an accounting and tax business, Oakwood Business Services LLC, and holds treasurer roles with several nonprofit organizations, including the Purple Rose Theatre Company and Leuk’s Landing animal rescue. Additionally, he participates in finance committees for the Bay Harbor Community Council and Terravita Country Club. Cetera Investment Advisers LLC is a nationwide SEC-registered firm providing portfolio management, financial planning, and retirement services to a broad client base ranging from individual investors to institutional accounts. The firm offers a multi-manager platform that includes model portfolios, third-party managers, and customized strategies across various program structures and custodial relationships.

Jason Coutcher is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 21 years of industry experience. His prior work includes roles at Fifth Third Securities and the Center For Wealth Planning Advisors. Outside of his advisory duties, he has been involved in real estate rental activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to various investment platforms, supported by extensive resources and technology.