David Karl is a CFP® professional with 20 years of industry experience, currently affiliated with GWN Securities Inc. and CRG Advisors. He has been with GWN Securities since 2013 and owns CRG Advisors, which operates an insurance business specializing in life insurance, long-term care, fixed annuities, disability insurance, and health insurance. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and business clients through a large network of approximately 423 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, with investment programs ranging from traditional asset allocation to legacy market-timing and momentum-based strategies.

Howard Mortenson is a financial advisor at Empower Advisory Group with 26 years of industry experience. He holds Series 66, Series 65, and Series 63 licenses. His prior roles include positions at SigFig Wealth Management, Cetera, West Shore Bank, and Financial Engines Advisors. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and is closely tied to Empower’s recordkeeping and administrative platforms.

Daniel Peacock is a Series 65-licensed financial advisor with 11 years of industry experience. He is currently with Brookstone Capital Management LLC and has been with White Pine Investment Management since 2012. In addition to his advisory work, he also operates as an independent life and health insurance agent for Reed Financial Services. Brookstone Capital Management is an SEC-registered firm that provides fee-based asset management and financial planning services to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions. The firm offers investment management primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supporting a large advisor network with turnkey asset management and wrap-fee programs.

Scotia Blakey is a financial advisor with The Huntington Investment Company, holding Series 63 and Series 65 licenses and six years of industry experience. She has worked exclusively within the Huntington organization and its affiliated entities since 2018. Prior to her advisory career, she was employed at Limerock Road Neighborhood Grill for two years. The Huntington Investment Company, operating as Huntington Financial Advisors, provides advisory and brokerage services to individuals, charitable organizations, corporations, and other business entities. The firm offers multiple wrap-fee programs on the Envestnet MAS platform, utilizing an open-architecture model that includes third-party sub-managers and proprietary Private Bank models.

Andrew Brown is a financial advisor with Commonwealth Financial Network in Grand Rapids, MI, holding Series 63 and Series 65 registrations and 17 years of industry experience. He has been co-owner of Lakeshore Financial Group, LLC since 2018 and owner of Little Harbor Financial Group, LLC since 2024, both entities related to his advisory and insurance business activities. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, investment management, and back-office support, enabling advisors to offer customized portfolio solutions and a variety of securities and insurance products.

James Mikesell II is a Series 65 credentialed financial advisor with 15 years of industry experience. He has worked at Cetera Planning Partners since 2025 and previously spent 15 years at First Financial Advisors, Inc. Outside of his advisory role, he is involved in residential and commercial real estate management through two family-owned entities. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, utilizing a formal planning process and diversified allocations tailored to client objectives and risk tolerance.

Anthony Tidswell is a financial advisor with Cetera Planning Partners who holds a Series 65 credential and has 15 years of industry experience. He formerly worked at First Financial Advisors, Inc. for 26 years before joining Cetera Planning Partners. Outside of his advisory role, he is involved in several commercial real estate ventures as a member of multiple LLCs. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services including investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, utilizing diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance.

Patrick Mutchler is a financial advisor with Cetera Planning Partners, holding a Series 65 designation and 15 years of industry experience. He has worked with HK Financial Services, Inc. and Investment Alliance, LLC, and is also a partner and accountant at Brickley DeLong, Inc., a regional CPA firm where he has been since 1990. In addition, he serves as a trustee for the Keeda Lasko trust. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services including investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm offers ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, with an investment process centered on diversified allocations tailored to client objectives and risk tolerance.

Dillon Drossart is a financial advisor at Fifth Third Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has worked at firms including Prudential Insurance Company of America and PRUCO Securities, LLC. His background also includes experience in real estate and hospitality sectors. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Jennifer Larsen is a financial advisor with FIFTH THIRD SECURITIES, Inc. holding Series 63 and Series 65 licenses and has 22 years of industry experience. Her career includes nearly two decades at Fifth Third Securities, with additional roles at PNC Wealth Management and LPL Financial LLC. FIFTH THIRD SECURITIES, Inc. serves individual and institutional clients through both investment advisory and brokerage services. The firm offers multiple program types on the Passageway Managed Account platform, including models featuring mutual funds, ETFs, SMAs, tax-overlay services, and direct indexing.

Roger Siegel is a financial advisor with Fifth Third Securities, Inc. in Grand Haven, MI, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. He has been with Fifth Third Securities since 2014. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration with its affiliation to Fifth Third Bank to provide a range of discretionary managed-account programs and unique platform features such as direct indexing and a tax-overlay service.

Theresa Mouw is a CERTIFIED FINANCIAL PLANNER™ professional with 22 years of industry experience. She has been with The Huntington Investment Company since 2009 and worked at Ameriprise Financial Services, LLC for one year. The Huntington Investment Company provides advisory and brokerage services to individuals, including high-net-worth clients, as well as charitable organizations, corporations, and other business entities. The firm offers multiple wrap-fee programs using an open-architecture model that integrates third-party and affiliate strategies, with portfolio management and custodial services provided through National Financial Services.

Kyle Kendall is a financial advisor with UBS Financial Services in Muskegon, MI, holding a Series 66 designation and four years of industry experience. Prior to joining UBS in 2022, he worked at Deloitte & Touche LLP for five years. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Kimberly Martin is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior partner in the Hammond, Martin, McKeough Group. She and her team serve individual clients, small and middle market businesses, and large corporations by providing a full range of asset management, retirement services, lending and banking services, as well as other financial management products. Their client relationships are founded on integrity, dependability, and trust. Since joining Merrill Lynch in 1989, Kimberly has gained extensive experience in various areas including corporate benefits, executive services, divorce transition planning, employee benefits planning, institutional consulting, services for endowments, foundations, non-profits, and defined benefit plans. Her team focuses on delivering exceptional service, financial management tools, retirement planning, and investment guidance. Kimberly holds a Bachelor's Degree from Michigan State University and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is a member of the National Association of Plan Advisors. Beyond her professional career, Kimberly has been involved in community organizations such as the West Michigan Symphony as a former board member and currently serves on the board of Women Who Care in Muskegon County, Michigan. In her personal time, she enjoys boating, dancing, gardening, reading, skiing, traveling, and practicing yoga.

Jeffrey Cox is a financial advisor at UBS Financial Services with over 30 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves on the Muskegon County Community Correction Advisory Board, which provides programs for criminal offenders and addresses jail overcrowding. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Guillermo Borquez is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of international business experience spanning multiple industries. Prior to his financial advisory career, he held executive roles in engineering, operational oversight, and general management with Ford and Visteon in both the United States and Argentina. Guillermo completed his undergraduate studies at the University of California at Berkeley and participated in an executive development program at Northwestern University’s Kellogg School of Business. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC).

Samantha Enerson is a financial advisor with Edward Jones in Grand Haven, MI, holding a Series 63 designation and 15 years of industry experience. She has been with Edward Jones since 2010. 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 and is notable for its large network of financial advisors and branch offices, as well as affiliated capabilities including a trust company and proprietary mutual funds.

Todd Carlson is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of his advisory role, he serves as a public address announcer for sports at Mona Shores Public Schools. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Karmen Gearhart is a financial advisor with LPL Financial in Muskegon, MI, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has been with LPL Financial since 2012. Outside of her advisory role, she is an ordained minister who performs marriage ceremonies for family members without charge and assists with bookkeeping for her husband's contracting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Lawrence Baird is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Questar Asset Management. In addition to his advisory role, Baird operates as an independent insurance agent selling fixed annuities, life insurance, and long-term care products, and he serves as president of a business S corporation used for accounting and tax purposes. He is also involved as a retail ambassador for a non-alcoholic brewing company. OSAIC serves a broad client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple third-party money managers and managed account solutions.