Kenneth Butterfield is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. His prior roles include positions at Cetera, Summit Financial Group, and operating his own consulting businesses. Outside of advising, he is the owner of Sunshine & Smiles LLC, a business unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Dear is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked with firms including Avantax Advisory Services and Taxfyle, where he provides tax preparation and accounting services. Dear is also the owner of Dear Financial & Tax Solutions, offering accounting and investment-related services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm provides a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program options and custodial relationships.

John Ricketts is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and 43 years of industry experience. He has worked at LPL Financial since 2017 and was previously with Investment Centers of America from 2009 to 2017. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset allocation approaches.

Timothy Cullen is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2015. Prior to this, he has been employed part-time at Cascades Manor House, a catering and banquet facility, since 2004. He is also involved in nonprofit work as the Board Secretary and Finance Committee member for Consumer Services, Inc./Taylor Life Center. Raymond James & Associates oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutions, and municipalities. The firm offers financial planning and consulting services with a range of portfolio management styles, emphasizing non-discretionary advisory relationships where clients make implementation decisions.

Daniel Sheppard is a financial advisor with LPL Financial in Jackson, MI, holding Series 63 and Series 65 designations and 14 years of industry experience. He previously worked at infinex Investments, Inc. for eight years and has been with Flagstar Bank since 2012. 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 portfolios, third-party asset management, and institutional platforms, utilizing both proprietary research and third-party strategies across a range of investment options.

Jeffrey Sirola is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. His prior work includes roles at Ameriprise Financial Services and Commonwealth Financial Network. He is also involved in fixed insurance sales. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Bradley Goldsmith is a financial advisor with LPL Financial based in Jackson, MI, holding Series 65 and Series 63 credentials and has 11 years of industry experience. He worked at Avantax Advisory Services and Avantax Investment Services before joining LPL Financial in 2024. He also operates Bradley W. Goldsmith & Associates, LLC, providing tax preparation and accounting services. 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 and access to model portfolios and third-party management, supported by technology tools for operational and research purposes.

Kelly Langley is a financial advisor at Edward Jones in Jackson, MI, with 19 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and tax-efficient services under a fiduciary standard.

Brian Forward is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and personalized advisory services.

Frank Hones is a CFP®-designated financial advisor with LPL Financial, based in Jackson, MI, and has 29 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory work, he serves as a notary public in Michigan, providing notarization services without charge for clients and friends. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a broad non-advisory financial services network.

Wesley Mullins II is a ChFC® credentialed financial advisor with 33 years of industry experience. He is currently with Cetera and has previously worked at Ameriprise Financial Services, Inc. for 20 years. Mullins also engages in fixed insurance sales as a secondary business activity. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Kim Coberley is a Series 66-licensed financial advisor with Morgan Stanley, based in Jackson, MI, with 11 years of industry experience. She has been with Morgan Stanley Private Bank and Morgan Stanley since 2015 and has been involved with a family farm since 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools, offering a range of retail and institutional investment services.

Grier Edwards Sr. is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Affinity Wealth Solutions, and Gleaner Life Insurance. Edwards is also involved with Retirement Referral Network, LLC. 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.

John Denler Jr. is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and 34 years of industry experience. He previously worked at Centaurus Financial, Inc. and Mass Mutual Investors Services. 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, supported by a large network of investment adviser representatives.

Erik Smith is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 18 years of industry experience, including three years at Edward Jones prior to joining Cambridge in 2011. Outside of his advisory role, he serves as a board member for the Battle Creek Rotary Club. Cambridge Investment Research Advisors, Inc. serves a diverse client base of individuals and institutions, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

David Cushard is a financial advisor with Cetera who holds the ChFC® designation and Series 63 and 66 licenses. He has 31 years of industry experience, including a long tenure at Ameriprise Financial Services from 1993 to 2025 before joining Cetera-affiliated firms in 2026. Cushard’s other business activities include involvement in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform, with access to affiliated and third-party money managers and multiple program structures.

Richard Ratts is a financial advisor with Edward Jones in Jackson, MI, holding a Series 66 designation and six years of industry experience, all with Edward Jones since 2020. Prior to his advisory role, he served as a pastor at Crossroads Church of Monticello, where he continues to occasionally officiate funerals and weddings and conduct speaking engagements. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a large nationwide network of financial advisors and offices, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Bryan Perry is a financial advisor with Ameriprise in Clinton, MI, holding the ChFC® and Series 63 designations and having 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in business ownership activities related to payroll and bill payment services. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports, emphasizing the use of Ameriprise-managed accounts and employing algorithmic tools overseen by a dedicated committee.

Dan Baldwin is a financial advisor at Edward Jones in Manchester, MI, holding CFP® and Series 66 designations with eight years of industry experience. Prior to joining Edward Jones in 2017, he worked at Ernst and Young from 2011 to 2017. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Glen Spice is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes over three decades at Metlife Securities Inc. before joining MassMutual in 2016. Outside of his advisory work, Mr. Spice is also active as an artist and painter. MassMutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning using firm-approved software and offers a range of asset management and educational programs.