Sarah Foster is a CFP® and Series 66-licensed financial advisor at Edward Jones with 11 years of industry experience. She has been with Edward Jones since 2014 and also has a background in contracting through her ongoing role at A & S Contracting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard, supported by a large network of 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, holding Series 63 and Series 66 credentials and over 21 years of industry experience. His prior work includes roles at Fifth Third Securities and the Center For Wealth Planning Advisors. Outside of his advisory duties, he has been involved in real estate rental activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to various investment platforms, supported by extensive resources and technology.

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.

Matthew Pursley is a financial advisor with LPL Financial in Harbor Springs, MI, holding Series 63 and Series 65 credentials and having 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley from 2006 to 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

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.

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.

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.

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.

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.