Adam Bos is a financial advisor with LPL Financial in Okemos, MI, holding a Series 66 credential and 19 years of industry experience. His career includes roles at Parkland Securities, Spc, and Sigma Financial Corporation. He serves on the board of the Michigan Christian Campus Ministry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, and corporations. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

Troy Cowdrey is a financial advisor with Morgan Stanley in East Lansing, MI, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Cowdrey serves on the finance advisory board for both the undergraduate and graduate departments at DePaul University’s Driehaus College of Business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and offers services both directly to clients and through corporate agreements.

Brienne Drake is a financial advisor with Ameriprise in East Lansing, MI, holding a Series 66 designation and one year of industry experience. Before joining Ameriprise, she worked at Hantz Financial Services for two years and has a background that includes roles in education and community organizations. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides customized retirement planning with a focus on income sources and tax-aware withdrawal strategies.

Dylan Harter is a financial advisor with Ameriprise Financial Services LLC in East Lansing, MI. He holds the Series 66 designation and has experience spanning various roles in environmental and consulting firms prior to joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Patrick Bruntjens is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that include scenario modeling and estimates from the Global Investment Committee.

Ryan Dugan is a financial advisor with Mass Mutual Investors Services in Lansing, MI, holding a Series 66 designation and six years of industry experience. He has been with Mass Mutual Investors Services since 2019 and has also worked with Mass Mutual Life Insurance Company since 2018. His prior work experience includes roles at Actify, Inc., CMC Solutions, LLC, and Manhattan Associates. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved software and structured annual planning engagements.

Holden Dippel is a financial advisor at Edward Jones with five years of industry experience and holds a Series 66 designation. His prior experience includes five years at Capital Group Companies - American Funds and various roles outside the financial industry, including involvement with 8th Street Grille, Inc. and lawn care businesses. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a nationwide network of advisors and offices, offering a range of advisory services under a fiduciary standard.

Kenneth Ryan II is a financial advisor with Cetera, holding Series 63 and 65 credentials and 25 years of industry experience. He has worked with Cetera and its affiliated entities since 2021, following seven years at VOYA Financial Advisors. In addition to his advisory role, he operates as an independent insurance agent and owns Ryan Financial Services, LLC, which provides insurance, securities, and investment product services. Cetera Investment Advisers LLC is a large SEC-registered advisor serving a diverse client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports various program structures and custodial relationships.

Nicholas Vosovic is a financial advisor with Wells Fargo Clearing in East Lansing, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked for Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Bonnie Case is a financial advisor with Ameriprise in Lansing, MI, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entity since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, annually updated retirement plans.

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.

Richard Johnston is a ChFC® credentialed financial advisor with 42 years of industry experience, currently serving clients at LPL Financial since 2004. Based in East Lansing, MI, he also acts as a successor trustee for a family trust. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, and retirement plan consulting to individuals, institutions, and charitable organizations through a nationwide network of investment adviser representatives.

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 holds a Series 66 license with 13 years of industry experience. He is currently with Fidelity Investments, having worked there since 2021, and has prior experience at Cuna Brokerage Services, TIAA, and Cetera Investment Services. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage funds, including serving as an adviser to multiple registered investment companies and delivering model portfolios to intermediary platforms.

Susan Babb is a financial advisor with Wells Fargo Advisors in East Lansing, MI, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked with Wells Fargo Advisors Financial Network since 2026 and was previously with Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using proprietary research and tools, with clients able to choose how to implement recommendations through various brokerage or advisory programs.

Matthew Ottinger is a financial advisor with OSAIC, holding a Series 66 designation and 18 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously at Signator Investors, Inc. from 2009 to 2018. In addition to his advisory role, he holds a durable power of attorney for an individual and is involved in the sale of group and individual health insurance. OSAIC serves retail and institutional clients, including high-net-worth investors and pension plans, through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios across various asset classes.