Amy Hebert is a financial advisor with Cetera in Midland, MI, holding a Series 66 designation and 10 years of industry experience. She is the owner of Hebert Wealth Advisors LLC, where she provides both financial services and tax/accounting support. Amy also serves as treasurer for the nonprofit organization P.E.O. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm offers multiple program structures and access to third-party and affiliated managers.

Donald Smith is a ChFC® with 49 years of experience in the financial industry. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and Smith & Company Financial Services since 1995. Outside of his advisory work, he owns and operates a farming business in Michigan. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, with access to both affiliated and third-party managers across multiple program structures.

Amee Hughes is a Series 66-registered financial advisor at Edward Jones in Midland, MI, with eight years of industry experience. She has worked at Edward Jones since 2017 and was previously employed by Midland Public Schools for ten years. 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 advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Bailey is a financial advisor at Osaic Wealth, Inc. with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with Ameritas Advisory Services, Ameritas Investment Corp, Ameritas Life Insurance Corp, and MML Investors Services. Bailey is also the owner of Redbridge Financial, an LLC engaged in insurance and financial services, and owns a design business, JSDB Design. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools, risk tolerance assessments, and automated rebalancing to construct portfolios that include various asset classes and managed-account solutions.

Jose Martinez II is a financial advisor with LPL Financial in Midland, MI, holding Series 63 and Series 65 licenses and 15 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Spc and Sigma Financial Corporation from 2012 to 2019. Martinez is also involved with Halcyon Financial Group, an investment-related business operating as a DBA for his LPL activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment advisers. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and diverse investment strategies.

John Beery is a financial advisor with Robert Baird & Co. in Midland, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Baird since 2019 and previously worked nine years at J.J.B. Hilliard, W.L. Lyons, LLC. Baird’s DDK Group, where Beery is part of the team, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies, alongside internal research and AI tools, with reported assets under management of approximately $394 billion as of December 31, 2025.

Zackary Lechner is a financial advisor with Wells Fargo Clearing in Midland, MI, holding a Series 66 designation and 10 years of industry experience. He previously worked at Merrill from 2015 to 2017 before joining Wells Fargo Clearing, where he has been since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS‑driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Morgenstern is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2019, following roles at Spc and Sigma Financial Corporation. Morgenstern is also involved in a non-variable insurance business, Halcyon Financial Group, LLC, based in Midland, MI. LPL Financial serves a broad client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolio options.

Jacob Smith is a CFP®-certified financial advisor at Stifel with nine years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously spent four years at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Brian White is a financial advisor at Robert Baird & Co. with 16 years of industry experience. He holds a Series 66 designation and has worked at Baird since 2019, following roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he owns farmland in Clare, Michigan. Brian is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a mix of in-house and third-party managers to implement traditional and non-traditional investment strategies.

Jeffrey Parrish is a financial advisor with Edward Jones in Freeland, MI, holding Series 63 and Series 66 licenses with 19 years of industry experience. He has been with Edward Jones since 2006. 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 solutions supported by a nationwide network of more than 23,000 financial advisors.

Robert Kinnun is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior work includes 17 years at Madison Avenue Securities, Inc., and he has managed Kinnun & Company since 2002. Outside of his financial advisory work, he is a co-gallerist and curator for Center City Gallery in Midland, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services with discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party providers.

Daniel Strong is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and nine years of industry experience. He has worked at firms including LPL Financial and Dow Chemical Employees' Credit Union. Daniel is based in Midland, MI. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Teresa Debeau is a financial advisor with Robert Baird & Co. in Midland, MI, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has worked at Baird since 2019, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as the Village President of Merrill, Michigan. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services, utilizing a range of strategies including discretionary and non-discretionary management, separately managed accounts, and overlay services.

Troy Moulton is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior experience includes seven years at Lincoln Financial Securities Corporation and four years at Cetera Advisors LLC. He is also involved in a side business as co-owner of a real estate rental with his spouse. 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 a range of advisory programs, financial planning, retirement consulting, and brokerage services through a national network of representatives.

Zachary Schmid is a financial advisor with Edward Jones in Midland, MI, holding the ChFC® and Series 66 designations and bringing 13 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he owns Jovan Z Holdings, LLC, established in 2023. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a nationwide network of over 23,000 advisors. The firm offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Justin Moeykens is a financial advisor at Stifel with Series 63 and Series 65 licenses and recently began his advisory career in 2026. Prior to joining Stifel, he worked at First Command Brokerage Services Inc. and served 21 years in the United States Marine Corps within the Department of Defense. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that supports asset allocation and planning analyses.

Taylor Smith is a financial advisor with Ameriprise in Midland, MI, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise, Smith worked at Burkhardt Presidio, Bone and Bailey, Spectrum, ARC of Midland, and Midland Community Center. Ameriprise offers a retirement-income planning service tailored for individuals near or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities, with a focus on managed accounts and algorithmic-supported retirement planning.

Chelsea Kroll is a CFP®, ChFC®, and Series 66-registered financial advisor with 15 years of industry experience. She has worked at Ameriprise since 2024 and previously spent 14 years at Hantz Financial Services. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary advice through a centralized consulting team.

Taylor Simpson is a financial advisor at Edward Jones in Freeland, MI, holding Series 63 and Series 66 licenses with four years of industry experience. Prior to joining Edward Jones, Simpson worked at J.P. Morgan Securities and Institutional Investments. Outside of finance, Simpson is a self-employed photographer providing services to magazines, hotels, nonprofits, and interior designers. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, managing over $1 trillion in assets through a large network of advisors and offices nationwide.