Douglas Pastor is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors and UBS Financial Services. Pastor is also involved with Integrity Investment Group, LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm provides tailored, non-discretionary advisory services using analytical tools and supports a broad network of advisors with specialized programs in municipal finance and SIMPLE IRA employer consulting.

Frederick Walz is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Primerica Advisors since 1982 and Primerica Financial Services since 1991. Outside of advisory work, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and selective separately managed accounts to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight of its investment models.

Kyle Robinson is a financial advisor at Edward Jones with nine years of industry experience. He has been with Edward Jones since 2017 and previously worked for First Class Athletics for six years. Outside of advisory work, he is the president and owner of Monroe Ridge Properties LLC, a real estate business. 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 solutions, supported by a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

Kelly Crystal is the Senior Resident Director at Merrill, having joined the firm in 2009 as a Financial Advisor. With a focus on personalized financial strategies, Kelly collaborates closely with clients to address their long-term goals across various areas including retirement planning, college education funding, estate issues, business strategies, and life insurance needs. Her approach emphasizes providing outstanding service and education while staying attuned to changes in clients' family and business circumstances. Kelly holds a Bachelor's Degree in Finance from Michigan State University and a Master's Degree in Business Administration from Walsh College. Her prior experience includes ten years in Treasury and Finance within the automotive industry. She has earned professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Davison with her husband and three children, Kelly is active in community organizations including the American Red Cross-East Central Bay, the Grand Blanc Rotary Club, the Flint Women's Forum, and the Michigan State Genesee County Alumni Association. She serves on the Board for the American Red Cross-East Central Bay Chapter and as an advisory committee member for the Community Foundation Women and Girls Fund. Kelly enjoys spending time with her family, traveling, and coaching youth sports.

Todd Ferguson is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at Wells Fargo Advisors and UBS Financial Services. He serves on the advisory board of the Davison Township Downtown Development Authority, managing grant requests for community beautification projects. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services that utilize analytical tools and supports municipal and public finance work through unique affiliations.

Stephen Elzerman is a financial advisor with Edward Jones in Lapeer, MI, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Primerica Financial Services and Lapeer Community Schools. He serves as a board member of the Lapeer Downtown Development Authority, where he contributes to downtown development, community events, and local business initiatives. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products, supported by a large nationwide network of advisors and branch offices.

Kyle Tank is a financial advisor with Ameriprise in Lapeer, MI, holding a CFP® designation and Series 66 and 63 licenses. He has six years of industry experience, including previous work with Ameriprise Financial Services, Inc. Outside of advising, he owns a junk removal business and acts as an expert witness in legal cases using his professional knowledge. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendations and ongoing annual advice focused on reliable income sources and tax-aware withdrawal strategies.

Maryann Kiser is a financial advisor with Ameriprise in Lapeer, MI, holding a Series 66 designation and eight years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she owns and manages Maryann Kiser, INC, which supports her advisory business operations. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets. The firm offers a combination of advisory, brokerage, and insurance solutions, using research-driven, tax-efficient strategies and algorithmic tools to deliver tailored retirement income recommendations.

Michael Butterfield is a financial advisor at Edward Jones with 16 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2009. Outside of advising, he is a part-owner of a Subway restaurant and a limited partner in a golf course in Metamora, MI. 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 wrap fee strategies, SMAs, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 advisors and 15,121 branches.

Dawn Hausch Cooper is a financial advisor with Ameriprise in Flint, MI, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she owns and manages Operational Consulting, LLC, a business focused on supporting Ameriprise operations. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets. The firm provides comprehensive advisory, brokerage, and insurance solutions through a centralized team utilizing research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations.

Olivia Hodgkinson is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked previously with OSAIC Institutions, Inc. and ChoiceOne Bank. Hodgkinson serves as Treasurer on the Board of Directors for the Lapeer Center for the Arts. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering 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.

Jeffrey Trares is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has worked with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities, LLC since 2003. Outside of his advisory role, he is affiliated with Full Circle Farms LLC, a horse riding, training, and boarding facility, though he is not an owner or employee and does not receive compensation from this business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Katrina Johnson is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Edward D. Jones & Co., L.P. since 1996. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Karen Strader is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018, following prior roles at Thrivent Financial and the Advanced Physical Therapy Center. Outside of her advisory role, she serves as president of a local Business Networking International group in Oxford, MI. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Melissa Terhorst is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Raymond James Financial Services since 2005. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs across a large network.

Garrett Baumbach is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2021. Prior to his current role, he worked at Farm Bureau Insurance and has experience outside the financial industry. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Gino Petitta is a financial advisor with LPL Financial, holding Series 66 and Series 63 designations and bringing 32 years of industry experience. He has been with LPL Financial since 2003. In addition to his advisory role, he is involved in offering and referring property and casualty insurance through a related business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing various investment strategies supported by technology and extensive resources.

Nathan Long is a financial advisor at Edward Jones in Lapeer, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2025, he was self-employed for one year and worked at Urshan College and Clement Auto Group. 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 solutions, including discretionary and non-discretionary strategies, and manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices.

Matthew Kiser is a Series 66-registered financial advisor with Ameriprise in Oak Park, MI, with 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, he is involved in music, recording and releasing his own work, and also performs improv comedy under contract for theaters and organizations. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations, supported by a centralized consulting team and algorithmic tools.

Robert Mette is a financial advisor with LPL Financial in Imlay City, MI, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Company, and New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining a broad array of advisory and non-advisory financial services.