Andrew Flack is a Series 66-credentialed financial advisor with 14 years of industry experience. He has been with Cross State Financial Group LLC in Grand Haven, MI, since 2016. In addition to his advisory role, he is a licensed insurance agent involved in insurance sales. Cross State Financial Group serves individuals, charities, and retirement plans, managing approximately $188 million in discretionary assets through an eight-advisor team. The firm employs a combination of fundamental analysis and tactical asset allocation to construct portfolios tailored to client needs.

Benjamin Cairns is a CFP® and holds a Series 65 license with 11 years of industry experience. He has been with Essex LLC since 2014. Essex LLC is a team-based registered investment adviser managing approximately $563 million for around 600 clients, including individuals, high-net-worth clients, retirement plans, trusts, and charitable organizations. The firm employs a range of portfolio management strategies informed by fundamental, technical, and sector analysis, offering both discretionary and non-discretionary services along with financial planning.

Eric Martinez is a CFP® professional affiliated with LPL Financial, with six years of industry experience. He previously worked at American Century Investment Services, Inc. and has been involved with community organizations such as the YMCA of Greater Kansas City. Outside of his advisory work, he is a co-founder and co-owner of the Kansas City Salsa Company LLC. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house Research team and a broad platform that accommodates customized advisory and brokerage services.

Nicholas Gookin is a financial advisor with Balance Wealth and holds a Series 65 credential. He has eight years of industry experience, including previous roles at WealthSource Partners, OneDigital Investment Advisors, and Retirement Outfitters. His background also includes work in higher education at Colorado Mesa University. Balance Wealth Partners is a registered investment adviser serving individual and high-net-worth clients as well as defined contribution and defined benefit plans. The firm manages diversified, risk-based portfolios using a variety of investment vehicles and employs fundamental analysis, modern portfolio theory, and quantitative methods in its approach.

William Bohne is a CFP® with 14 years of industry experience, currently serving at Embark Financial Partners. He has held roles at LPL Financial and Waddell & Reed, Inc. Prior to his current position, he worked in insurance agencies and has been involved with Mount Oread Housing Corporation for over 20 years. Embark Financial Partners provides financial planning and consulting services to individuals, trusts, retirement plans, and business clients through written plans and consultations rather than managing client assets. The firm tailors advice to client objectives, employs technical and quantitative analysis in its planning, and does not charge percentage-of-assets-under-management fees.

Christian Binger is a CFP® professional with seven years of experience in the financial services industry. He is affiliated with Embark Financial Partners in Muskegon, MI, and has previously worked at firms including Waddell & Reed, Inc and LPL Financial LLC. Binger also serves as a non-variable insurance agent in connection with his advisory activities. Embark Financial Partners is a registered investment adviser that provides financial planning and consulting services to individuals, trusts, retirement plans, and businesses. The firm delivers advice through written financial plans and consultations rather than managing client assets directly.

Alishia Terrill is a financial advisor with ON Investment Management Company, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has worked at The O.N. Equity Sales Company and Ohio National Financial Services since 2000. Outside of her advisory role, Terrill is involved in several business activities including serving as president of AMT Enterprises, working as an office manager for Terrill Financial Group, and engaging in roles related to natural skin care products and clothing design. ON Investment Management Company is a SEC-registered investment adviser that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, families, trusts, charitable organizations, businesses, and ERISA plan sponsors. The firm offers a range of third-party investment programs and manages client accounts through both discretionary and non-discretionary arrangements.

Robert Koekkoek is a financial advisor with Capital Analysts in Muskegon, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Cambridge Investment Research Advisors, Lincoln Investment, and Legend Equities Corporation. Outside of advising, he also works as a basketball referee. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, access to third-party managers, and retirement-plan advice through a nationwide network of independent advisors and in-house investment management supported by proprietary fund screening and tax-aware portfolio options.

Luke Reising is a financial advisor with ON Investment Management Company, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked in various service and retail roles. ON Investment Management Company is a SEC-registered investment adviser serving individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors. The firm offers financial planning, portfolio management, and retirement-plan advisory services through a combination of discretionary and non-discretionary programs, utilizing a dual-registration broker-dealer model.

Amanda Jones is a financial advisor at First Command Advisory Services with two years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Allstate and The Okonite Company. She is also an Associate Client Manager at Founder Shield, where she handles client service and administrative duties. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Julie Green is a financial advisor with Money Concepts Capital Corp in Coopersville, MI, holding a Series 66 designation and five years of industry experience. She has worked at Money Concepts Capital Corp since 2019 and previously at Boes Financial Center LLC. Outside of advising, Green serves as secretary and board member of the Grand Raggidy Roller Girls Boosters, a nonprofit organization. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charities, and corporations. The firm employs a variety of managed programs using model portfolios and third-party sub-advisers, combining fundamental and technical analysis with modern portfolio theory.

Cathleen Cunningham is an advisor at Fifth Third Securities, Inc. with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fifth Third Bank since 2018, in addition to her current role at Fifth Third Securities. Previously, she held roles at Five Below and Old Navy. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm offers investment advisory and brokerage services through various managed account programs on the Passageway platform, combining multiple portfolio management approaches and risk profiling to meet client needs.

Zachary Manion is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. He has worked at Lakeshore Financial Group since 2020 and has prior experience with Home Depot, United Postal Service, and Grand Valley State University. He also spends a portion of his time engaged in fixed insurance sales. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors by providing operations, trading, technology, investment management, compliance, and practice-management support, allowing advisors discretion to construct client portfolios from a broad range of securities and insurance products.

Joel Austin is a financial advisor with Empower Advisory Group in Muskegon, MI, holding Series 63 and Series 66 licenses. He has one year of industry experience, including prior roles at Empower Financial Services and PNC Financial Services Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm’s integrated model is tied to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing.

Derrick Coleman is a financial advisor at PNC Wealth Management with 10 years of industry experience. He has held positions at The Huntington National Bank and The Huntington Investment Company between 2012 and 2023. Outside of his advisory role, he is involved in buying, selling, and trading sports trading cards for his personal collection. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an online discretionary model account offered as an invitation-only employee pilot. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third-party strategists, employing mutual funds and ETFs with annual rebalancing.

Benjamin Perfect is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Fifth Third Securities, he worked at Fifth Third Bank and New Rules Marketing, and he operated a photography business, Ben Perfect Photo LLC, for ten years. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutions through investment advisory and brokerage services. The firm offers multiple managed account programs via the Passageway platform, ranging from mutual fund and ETF models to separately managed accounts with tax-overlay and direct-indexing options.

James Manion is a financial advisor with Commonwealth Financial Network based in Grand Haven, MI. He holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has been with Commonwealth and co-owner of Lakeshore Financial Group, LLC since 2008. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Andrew Barney is an advisor at Fifth Third Securities, Inc. with Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions at Fifth Third Bank, Grand Canyon University, and Macatawa Bank. Outside of his advisory work, he serves as an assistant pastor at Broadway Baptist Church. Fifth Third Securities, Inc. serves a range of individual and institutional clients through investment advisory and brokerage services. The firm offers multiple program types on the Passageway Managed Account platform, combining third-party portfolio management with advisor-directed strategies.

Andrew Zobel is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds Series 63 and Series 66 registrations and has worked at firms including Valic Financial Advisors and JPMorgan Securities. Outside of finance, he owns and operates two residential rental property LLCs. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm’s approach integrates with Empower’s recordkeeping platform and emphasizes long-term portfolio returns and annual rebalancing.

Eric Lans is a Certified Financial Planner (CFP®) and holds a Series 65 license with 15 years of industry experience. He currently works at Cetera Planning Partners, joining the firm in 2025 after 24 years at First Financial Advisors, Inc. Outside of his advisory role, Lans serves as a member and officer of Park Tower, LLC in Muskegon, MI. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm distinguishes itself through additional services such as tax planning, bookkeeping, payroll support, and estate planning under its Legacy Wealth Strategies program, integrating resources from the larger Cetera network.