Penny Jean Young is a financial advisor with Wells Fargo Clearing in Portage, MI, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Her prior roles include positions at Oakwood Capital Securities, Alphastar Capital Management, MassMutual Life Insurance, and a decade at Damon Financial LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Thomas Schripsema is a financial advisor at Edward Jones with 26 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1999 and holds Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory and investment solutions through a large network of financial advisors and branches nationwide.

Brett Cropsey is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. His previous roles include positions at MWA Financial Services Inc. and Modern Woodmen Of America. Outside of his advisory work, he coaches middle school football at Constantine Public Schools. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through affiliated services.

Frederick Freihofer is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Joshua Etheridge is a financial advisor with Wells Fargo Clearing in Portage, MI, holding a Series 66 designation and 11 years of experience at the firm. He is the president and majority owner of Two Dot Marketing, LLC, a marketing and web design business based in Battle Creek, MI. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Timothy Rogowski is a financial advisor at Equitable Advisors with 43 years of industry experience. He holds Series 63 and Series 65 designations and previously spent 19 years at Stifel Independent Advisors, LLC. Outside of his advisory role, he owns Wings Financial Group, a financial consulting business. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and emphasizes working through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Samuel Anderson is a financial advisor with Wells Fargo Clearing located in Portage, Michigan. He holds a Series 66 designation and has approximately one year of industry experience. Prior to joining Wells Fargo Clearing, he worked at Terril & Company and has a background that includes four years at the University of Michigan - Ann Arbor and six years with Portage Public Schools. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Alan Lockwood is a CFP® and holds a Series 66 designation, currently working with Fidelity. He has 13 years of industry experience, including roles at various Fidelity entities and Southern Michigan Bank & Trust. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, employing systematic methodologies and long-term asset allocation benchmarks.

April Lesicki is a financial advisor with Ameriprise in Portage, Michigan, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its related entities since 2001. Lesicki serves on the board of directors for a local organization. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm provides comprehensive advisory, brokerage, and insurance solutions, utilizing research and modeling to deliver tailored, tax-efficient retirement income recommendations.

Eric Tiller is a financial advisor at Raymond James Financial with 19 years of industry experience. He holds a Series 66 designation and has worked with various Raymond James entities since 2010. In addition to his advisory role, he owns and operates Tiller Investment Management, LLC, where he provides financial planning and asset management services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary recommendations aligned with client goals.

Andrew Sonnevil is a financial advisor with Ameriprise in Lawton, MI, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research-driven recommendations and tax-smart withdrawal strategies delivered through a centralized consulting team.

Paul Moss is a financial advisor with Ameriprise in Portage, MI, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured approach supported by algorithmic automation and oversight committees.

Christopher Chambers is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Ameriprise and its predecessor firms since 1998. Chambers serves as a volunteer finance committee member for tornado recovery efforts in his neighborhood and as treasurer for a local political campaign, both unpaid roles. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Jodi Harrison is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Raymond James since 2014. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

David Booko is a financial advisor with Ameriprise in Cocoa Beach, FL, holding the ChFC® designation and Series 63 license. He has 37 years of industry experience, including 21 years with Ameriprise and its affiliated entities. Ameriprise offers specialized retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide detailed, non-discretionary recommendations through a centralized consulting team, emphasizing asset management within Ameriprise accounts.

Jared Dishinger is a Series 66 licensed financial advisor with Edward Jones in Three Rivers, MI, where he has worked since 2019. He has six years of industry experience, including prior roles at D.L. Door Installation and Integrity Door LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managing over $1 trillion in assets through a nationwide network of advisors and branch offices.

Paul Carlson is a CFP® with 44 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Carlson serves on the Board of Directors for Texas Charter Township and is a deacon at Calvary Bible Church. He is also involved in several business ventures, including ownership of Helping Dreams LLC and a honey production business called Carlson's Colonies. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Chase Carlson is a financial advisor at Ameriprise Financial Services with six years of industry experience. He holds the Series 66 designation and is based in Kalamazoo, MI. His prior work includes a brief period at Lee's and involvement with The YMCA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jamie Phillips is a financial advisor with Raymond James & Associates in Portage, MI, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Raymond James for over 19 years, spanning two consecutive periods from 2007 to present. Outside of his advisory role, he leases farmland on personal property to a local farmer. 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 charitable organizations—offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Theresa Fisher is a financial advisor with Raymond James Financial, holding a Series 66 designation and having two years of industry experience. She has worked with various Raymond James entities since 2016 and is involved with Tiller Investment Management. Outside of finance, she owns a small business selling baked goods made to order. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients, offering tailored, non-discretionary advisory services supported by analytical tools and specialized programs.