Larry Bluhm is a financial advisor with Morgan Stanley in Muskegon, MI, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Morgan Stanley since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning using structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Jay Wallace Jr. is a CFP®-certified financial advisor with Edward Jones, where he has worked since 2003, totaling 22 years of industry experience. He serves on the board of the Muskegon Yacht Club, contributing to general planning and policy making. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated investment options, supported by a large nationwide network of financial advisors and branch offices.

Kenneth Johnson is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Waddell & Reed, various insurance carriers, and involvement with the City of Muskegon. He served as a council member and mayoral candidate, contributing to local government and community affairs. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and specialized portfolio management services supported by in-house and third-party research.

Paul Dickinson is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at Lincoln Investment and Legend Advisory Corporation. Dickinson is also involved as an independent insurance agent through Ash Brokerage. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using various platform arrangements and both proprietary and third-party strategies.

Caterina Holt is a financial advisor with Raymond James & Associates in Muskegon, MI, holding a Series 66 designation and 15 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of advising, she is involved in small business ownership, including a functional fitness gym and its holding company. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning and consulting with a range of portfolio management styles, supported by firm research, and provides specialized municipal advisory services.

Michael Kraus is a financial advisor at Edward Jones with five years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2020. Prior to his career in financial advising, Kraus owned and managed Daniel's Restaurant, LLC for 17 years and is involved in a family-owned property management business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm operates nationally with a large network of advisors and branch offices, managing over $1 trillion in assets under management.

Brett Adkins is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Betten Automotive from 2008 to 2017. 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 strategies supported by a nationwide network of more than 23,700 financial advisors.

Michael Ladd is a financial advisor at Raymond James & Associates with 25 years of industry experience. He has been with Raymond James & Associates since 2009 and holds a Series 66 designation. Outside of advisory work, he serves as treasurer for the West Willow Home Owner's Association in Spring Lake, MI, and is a passive investor in BCKSTGR, a mobile-led loyalty program. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and firm-supported research.

Esther Gerber is a CFP®-certified financial advisor at LPL Financial with nine years of industry experience. She has previously worked at Jackson National Life, Northwestern Mutual, and Andy S Hoezee. Esther is also the owner of Liberform LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Nicole Galarneau is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2011. Outside of her advisory role, she serves as a successor trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Emily Urbaniak is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation. She has seven years of experience at Edward Jones and previously worked in the retail and service industries, including five years at Wild Emerald Bridal and six years at Nathan's Hair Unlimited. Outside of her advisory role, she has experience managing a bridal business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Jonathan Cox is a financial advisor at Osaic with 25 years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Securities America Inc. for eight years. Outside of advising, he owns and operates Cox Accounting and Tax Service, which he has run since 1994. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

David Cramer is a financial advisor at Morgan Stanley with 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and associated with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is involved in farming as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Tracy Adams is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Ameriprise, Osaic Institutions, CETERA Advisor Networks, and Investacorp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth clients—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, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Samuel Hansen is a financial advisor at Fidelity with three years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments as well as Thrivent Investment Management and Thrivent Financial. Fidelity’s Strategic Advisers LLC, where Hansen is based, provides investment management and advisory services to retail and institutional clients using a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is registered as a commodity pool operator and serves as an advisor to multiple registered investment companies and fund-of-funds, utilizing AI and systematic methodologies in its processes.

Jason Lillmars is a financial advisor at LPL Financial with 10 years of industry experience. He holds the CFP® and PFS™ designations and previously worked at Avantax Advisory Services and related firms for five years. Outside of financial advising, he is involved in tax preparation and accounting services through Strategic CPA Accounting & Tax Solutions LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, retirement consulting, and brokerage services supported by research and model portfolios.

Michael Haynes is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation with two years of industry experience. His prior work includes roles at ACMatic Inc and Hortech, Inc. 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 under management and provides a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Marci Bentz is a financial advisor at Thrivent Investment Management with 24 years of industry experience. She has held roles at Thrivent Investment Management since 2008 and at Thrivent Financial for Lutherans since 2007. Bentz holds Series 63 and Series 66 licenses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across various topics, allowing clients to combine planning with managed-account programs while keeping services separate.

Richard Northuis is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 39 years of industry experience. He spent 35 years at FSC Securities Corporation before joining OSAIC in 2023. He also serves as co-trustee for the Donald and Eunice Northuis Trust, overseeing the liquidation and distribution of the estate's assets. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools, third-party money manager access, and both discretionary and non-discretionary account management.

Robert Kendall Jr. is a financial advisor with UBS Financial Services in Muskegon, MI, holding Series 63 and Series 65 designations and with 27 years of industry experience. He has been with UBS Financial Services since 1998. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.