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.

Timothy Knapp is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Marianne Watson is a financial advisor at LPL Financial with 24 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Cetera and First Community Bank. She is also involved with FCB Wealth Management. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kevin Larson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He collaborates with clients to develop personalized financial strategies designed to help pursue their long-term goals. Utilizing insights from Merrill and the banking and lending resources of Bank of America, he aims to create flexible wealth management approaches aligned with clients’ priorities and changing market conditions. Kevin holds a Bachelor’s Degree from the University of Alabama System and holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also active in his community, volunteering with local organizations following the Merrill tradition of community involvement. Outside of work, Kevin enjoys boating, golfing, and skiing.

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.

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.

Gregory Saville is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at prominent firms including Bank of America, J.P. Morgan, and First Republic Investment Management. Outside of his advisory role, he serves on the Finance Committee of Rosarian Academy and is a managing member of an LLC formed to own a boat. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

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.

Larry Cassidy is a financial advisor with Primerica Advisors who holds Series 65 and Series 63 licenses and has 24 years of industry experience. His background includes long-term roles at PFS Investments Inc. and Primerica Financial Services since 2001, as well as teaching positions at Pelston High School and CHAR-EM Intermediate School District. He also engages in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates nationally with nearly 3,700 advisors and utilizes model-driven investment strategies managed by third-party asset managers.

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.