Sandra Melges is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James since 2012. Outside of her advisory role, she is involved in agricultural activities as CEO of Melges Family Farm LLC, where she manages farm maintenance and operations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipalities. The firm offers tailored financial planning and investment consulting, combining multiple portfolio management styles with firm research to support client decisions.

Charles Carroll is a financial advisor with Wells Fargo Clearing in Battle Creek, MI, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is a self-employed musician who performs entertainment at restaurants and private parties. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Brandon Hutson is a financial advisor with Raymond James & Associates in Battle Creek, MI, holding Series 63 and Series 65 credentials and six years of industry experience. His prior roles include positions at Pacific Life, Aldi Inc., and Gibson Insurance, as well as four years focused on full-time education. 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 institutional fiduciary services, with a range of portfolio management styles supported by affiliated research and model manager options.

Jennifer Hurd Begg is a financial advisor at OSAIC with 10 years of industry experience. She holds a Series 66 designation and has worked at OSAIC since 2023, following previous roles at Royal Alliance Associates and Sii. Begg is involved in her local community as a volunteer ambassador with the Marshall Chamber, welcoming new businesses and supporting local events. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and investment advisory services. The firm employs asset-allocation tools and third-party platforms to construct portfolios and supports a range of advisory solutions across its complex corporate structure.