Lou Sheaffer is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones in 2024, he worked at Oracle and Accenture Federal Services. 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 and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

John Pence is a Wealth Management Advisor and partner with the Ammon Meyer Pence Group at Merrill Lynch Wealth Management. He has over 25 years of experience as a financial advisor, focusing on helping families and individuals with wealth planning, including education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and individual and corporate investment strategy. John is responsible for tailoring individual client portfolios, adhering to specific asset allocation models, and managing custom investment strategies. He works closely with clients from various backgrounds such as attorneys, physicians, private business owners, executives, and university faculty. His approach includes coordination with philanthropic specialists, attorneys, and accountants to support legacy and philanthropic giving strategies. John holds the Certified Investment Management Analyst (CIMA) designation, Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA) credentials. He is a graduate of Michigan State University with a Bachelor's Degree and lives in DeWitt, Michigan with his wife Carrie and their three grown children. John is an active member of the Rotary Club of Lansing and St. Gerard Catholic Church. He serves as chair of the Homeless No More event supporting the area's homeless population and is a board member of Holy Cross Services. In his personal time, John enjoys boating, golfing, and spending time with his family.

Benjamin Vigil is a Financial Advisor with Merrill Lynch Wealth Management, where he specializes in helping clients develop tailored financial strategies. He focuses on understanding individual client goals and providing guidance across various areas including college education planning, family wealth management strategies, portfolio management services, tax minimization, and retirement income. Benjamin holds a Bachelor's Degree from Michigan State University and is a Personal Investment Advisor (PIA). He collaborates closely with clients to address their financial concerns and questions, offering ongoing advice as their needs evolve. His approach includes providing access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Benjamin enjoys golfing, pickleball, and woodworking.

Andrew Pence is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Ammon Meyer Pence Group. He joined Merrill Lynch in 2021 and has been in the financial services industry since 2019. In his role, Andrew delivers customized advice and guidance to families, focusing on a holistic approach to wealth management. His work involves coordinating with clients' attorneys, accountants, and philanthropic specialists to develop financial strategies tailored to their needs. Andrew's expertise includes college education planning, family wealth management strategies, defined benefit plans, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, and individual and corporate investment strategy. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Advertising Management from Michigan State University. Andrew and his wife, Victoria, reside in Dewitt and are active in their community. He enjoys spending time with family and friends, attending Michigan State University sporting events, golfing, and boating. They also have a family cottage in East Jordan, Michigan.

Sara Frank Hepfer is a CFP® with 20 years of industry experience, currently with LPL Financial since 2026. She previously worked at Commonwealth Financial Network for 12 years and Edward Jones for 7 years. Outside of her advisory role, she serves as co-owner and corporate secretary of Financial Technology, Inc., and has participated as a speaker on networking tactics in East Lansing, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, utilizing technology and model portfolios, and supports over 22,900 advisors managing more than $819 billion in discretionary assets.

Richard Johnston is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 42 years of industry experience. He has been with LPL Financial since 2004. Outside of his advisory role, he acts as a successor trustee for a family trust and operates a financial consulting business in East Lansing, MI. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Peter Seltz is a financial advisor with Thrivent Investment Management in Lansing, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior work includes nine years at Principal Securities Inc. and over two decades with Principal Life Insurance Company. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, providing goal-based analyses and written recommendations on a broad range of financial planning topics without discretionary trading authority.

Cheryl Williams is a financial advisor with Ameriprise in Okemos, MI, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Ameriprise and its affiliate firms since 2005. Outside of her advisory role, she is involved in youth soccer as a referee and assistant coach for the Michigan Jaguars FC, and she assists with banking and fee collection for a high school boys tennis booster program. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement-income plans and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Carrie Thorburn is a financial advisor with Edward Jones in Williamston, Michigan, holding Series 63 and Series 66 licenses and with 21 years of industry experience. She has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

John Nelligan is a CFP® and Series 66 licensed advisor at Fidelity with 14 years of industry experience. His background includes roles at CUNA Brokerage Services, TIAA, Cetera Investment Services, Chemical Bank, and PNC Wealth Management. 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 utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process, including oversight of affiliated sub-advisers and advisory roles for multiple registered investment companies.

Susan Babb is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 credentials and 37 years of industry experience. She has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, delivering tailored recommendations through comprehensive research and planning tools.

Matthew Ottinger is a financial advisor with OSAIC based in Okemos, Michigan. He holds a Series 66 designation and has 18 years of industry experience, including positions at Royal Alliance Associates, Inc., Signator Investors, Inc., and Edward Jones. Outside of his advisory role, he manages healthcare insurance sales and serves as a durable power of attorney for a family member. OSAIC Wealth serves a wide range of clients, including retail investors, retirement plans, charities, and corporations. The firm uses a model-driven investment approach with diversified portfolio options and multiple advisory platforms supported by a complex affiliate network and significant industry scale.

Travis Pasma is a financial advisor with LPL Financial in East Lansing, MI, holding Series 65 and Series 66 credentials and having 22 years of industry experience. His prior roles include positions at CUNA Mutual Group, CUNA Brokerage Services, Inc., CUSO Financial Service, LP, and SPC. Outside of his advisory work, he maintains a home-based hobby business since 1995. 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, utilizing model portfolios, third-party subadvisors, and customized strategies delivered by a large network of investment adviser representatives.

Cameron Andrysiak is a financial advisor at Ameriprise with a Series 66 designation and no prior industry experience. His background includes roles at Deloitte and Everdry Waterproofing, as well as teaching positions at Michigan State University, Detroit Catholic Central High School, and Novi Community Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on written recommendation reports and ongoing annual advice, emphasizing dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Wendy Withee is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. She holds the Series 66 designation and has worked previously with Jackson National Life Distributors. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management across multiple platforms.

Elizabeth Crawley is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at firms including TIAA, New York Life, and Eagle Strategies. She is also involved in insurance brokering through outside carriers for non-registered products. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of brokerage, advisory, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios, both non-discretionary and discretionary management options, and a structured process for alternative investments.

Timothy Lilleboe is a financial advisor with Morgan Stanley in East Lansing, MI, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he has inherited mineral rights related to gas and oil royalties with SM Energy. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and a wide range of investment programs. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools with advisory services.

Megan Barjon is a financial advisor with Morgan Stanley in East Lansing, MI, holding a Series 66 designation and nine years of industry experience. She previously worked at Wells Fargo Clearing and BMO Harris Bank N.A. before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research to support client financial planning.

Thomas Small is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at LPL Financial. His prior roles include positions at OSAIC, Triad Advisors, Inc., and Michigan Money Management entities, where he has worked since 1998. Small also holds a non-variable insurance license for term life insurance through Prudential. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor tools and oversight of substantial discretionary assets.

Brian Shepard is a financial advisor with LPL Financial in East Lansing, MI, holding a Series 66 designation and 14 years of industry experience. He is co-owner and vice president of Financial Technology, Inc., a company facilitating securities business and TPA services. Shepard also spends part of his time on fixed insurance sales conducted at his branch location. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.