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 in Petoskey, MI, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He previously worked at Center For Wealth Planning Advisors, Inc. from 2015 to 2017. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Nathan Oostmeyer is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 credentials and three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, Fifth Third Bank, and Emerald City Guitars. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Austin Willson is a financial advisor at Ameriprise with five years of industry experience. He holds the Series 66 designation and has previously worked at Benzinga and Royal Alliance. Outside of his advisory role, Willson serves on the Board of Directors for Northwest Michigan Habitat for Humanity and provides music instruction in percussion. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement strategies.

Jeffrey Neill is a Series 66-licensed financial advisor with Ameriprise in Petoskey, Michigan, where he has worked since 2015, totaling seven years of industry experience. He serves on the Board of Directors for Blissfest Music Organization and is active as a worship drummer at Bay Harbor Church, in addition to performing as a world percussionist with the band LEVITATOR. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice to deliver personalized, non-discretionary retirement income plans.

Clifford Harris is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Woodbury Financial Services for 19 years. Harris is also the owner of an LLC that provides fixed insurance services to existing clients and family members. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services across multiple platforms, utilizing asset-allocation tools, risk assessments, and third-party money managers to construct diversified portfolios.

Benjamin Muladore is a financial advisor with Edward Jones in Charlevoix, MI, holding the CFP®, ChFC®, and Series 66 designations and has 19 years of industry experience, all with Edward Jones since 2007. Outside of his advisory role, he is involved with Farrell Property, LLC, managing investment property. 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 nationwide network of more than 23,700 financial advisors. The firm provides discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Douglas Wood is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated firms since 2009. Wood serves as a trustee and co-trustee for several family and client trusts and is an investment committee member of Van Elslander Capital. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, risk management, and niche areas such as business-owner transition and special-needs planning.

David Farley is a financial advisor with Raymond James & Associates in Petoskey, MI, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. His career includes roles at Roney & Co. since 1993 and the Public Schools of Petoskey from 2017 to 2024. He serves as a committee member on the Downtown Economic Enhancement Committee, contributing to local development efforts in Petoskey. 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 municipalities, offering financial planning, investment consulting, and municipal advisory services through various specialized programs and affiliated resources.

Donna Putman is a financial advisor with Edward Jones, holding a Series 66 designation and over three years of industry experience. She has been with Edward Jones since 2008 and is also involved in tax return data entry at Markiewicz & Co., LLC during tax season on weekends. 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 more than 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Fenstermaker is a financial advisor with Raymond James & Associates in Petoskey, MI, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has been with Raymond James & Associates since 1996. 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, institutional clients, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

James Taylor is a CFP® with seven years of industry experience, currently serving as a financial advisor at Cetera. He previously worked at Avantax Investment Services and 1st Global Advisors, and is a tax partner at DGN, LLC, where he provides tax compliance, planning, and business consulting services. Taylor also serves as a co-trustee for a family trust. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm supporting individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various program options, including discretionary portfolio management, financial planning, and access to third-party money managers.

Kirsten Reynolds is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and beginning her advisory career in 2024. Prior to joining Raymond James, she worked extensively in the dance and performing arts sector, including roles with multiple dance companies and academies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and analytical tools to support client goals and maintains specialized programs in municipal finance and SIMPLE IRA employer consulting.

Richard Garner is a CFP®-certified financial advisor with 23 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services, 1ST Global Advisors, and Dennis Gartland & Niergarth. Outside of his advisory roles, he serves as a co-trustee for an irrevocable trust. Cetera Investment Advisers LLC is a large SEC-registered firm that supports over 10,000 advisors and more than 800,000 clients nationwide, offering a range of portfolio management, financial planning, and retirement services. The firm operates a multi-manager platform with discretionary and non-discretionary strategies tailored to individuals, retirement plans, and institutional accounts.

Robert Waldvogel is a financial advisor at Edward Jones in Petoskey, MI, holding Series 63 and Series 66 designations with 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, all operating under a fiduciary standard.