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.