Blair Anderson is a financial advisor with Hightower Advisors, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with Hightower Advisors and Hightower Securities, LLC since 2009. Outside of his advisory work, he is a managing partner of a storage facility management company. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, offering access to proprietary research and a variety of investment vehicles including mutual funds, ETFs, and alternative investments.

Holly Gallagher is a CFP® with 32 years of industry experience, currently affiliated with Commonwealth Financial Network. She has worked at Commonwealth since 2002, with a continuous tenure except for a concurrent role at Horizon Financial since 2002. Gallagher is president and sole owner of Holly Harrand, Inc., a securities operating S-corporation. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, compliance, and practice-management services while offering a range of investment strategies including discretionary model portfolios and personalized indexing options.

Blake Beebe is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 13 years of industry experience. He has been with Private Advisor Group and affiliated with LPL Financial since 2015. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for more than 135,000 clients, including individuals, trusts, estates, charitable organizations, and corporate and retirement plans. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing a range of investment strategies and coordinating services through multiple custodians.

Craig Rosenberg is a financial advisor with J. W. Cole Advisors, Inc. based in Traverse City, MI. He holds Series 63 and Series 65 licenses and has 39 years of industry experience. Prior to joining J.W. Cole Advisors in 2019, Rosenberg worked at Raymond James Financial Services and Century 21 Northland. He serves as president of the board for the Grand Traverse Area Spartans, a volunteer alumni organization for Michigan State University. J.W. Cole Advisors operates a large network of independent Investment Adviser Representatives and offers fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms for individuals, high-net-worth clients, and institutional accounts. The firm employs both fundamental and technical analysis and combines discretionary and non-discretionary account management with a variety of digital advice and custodial platforms.

Todd Horvath is a financial advisor with FIFTH THIRD SECURITIES, Inc. based in Cadillac, MI. He holds the Series 63 and Series 66 designations and has 16 years of industry experience, all with Fifth Third Securities and its affiliated entities. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm combines its municipal-advisor registration with a large bank affiliation and provides multiple discretionary managed-account programs, including direct indexing and a tax-overlay service.

Michelle Berry is a financial advisor with J.W. Cole Advisors, Inc., holding Series 66 and Series 63 licenses and having seven years of industry experience. She joined J.W. Cole Advisors in 2021 after working at Raymond James and Associates and has additional experience in aviation and energy sectors. Outside of advising, she is involved with Michigan College Planning, focusing on college and career planning services. J.W. Cole Advisors operates through a large network of independent advisers and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutional accounts. The firm employs a mix of fundamental and technical analysis, model-based strategies, and digital advice providers in managing discretionary and non-discretionary accounts.

Kevin Beaudoin is a financial advisor at Private Advisor Group, LLC with 25 years of industry experience. He holds a Series 66 designation and has been with Private Advisor Group and LPL Financial since 2015. Private Advisor Group is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Samuel Orlando III is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds the Series 66 designation and previously worked in roles at Maxar, SAIC, Booz Allen Hamilton, and SAIC Engility. Outside of his advisory work, he serves as Head Coach for the Select Team at Lakeshore Soccer Club. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies supplemented by separately managed accounts and offers a range of fiduciary and advisory services supported by affiliated banking, tax, and insurance operations.

Duane Smith is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 licenses and 32 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

Michelle Burch is a Series 66-licensed financial advisor with FIFTH THIRD SECURITIES, Inc., based in Williamsburg, MI. She has 18 years of industry experience and has been with Fifth Third Securities since 2011. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with a unique municipal-advisor registration and integrated corporate structure.

William Collin is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017, following two years at Medtronic Diabetes. Outside of his advisory role, he is involved in operating a family-owned oil well in Michigan through Collin Oil Operations LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of investment strategies and affiliated capabilities across a large network of advisors and branch offices.

Andrew Ashworth is a financial advisor with Equitable Advisors in Traverse City, MI, holding a Series 66 designation and over 21 years of industry experience. He has been with Equitable Advisors since 2004, including its predecessor Axa Advisors, LLC. Ashworth is also approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Craig Nicholson is a financial advisor with Robert W. Baird & Co. in Traverse City, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Robert W. Baird & Co. since 2010. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a range of investment strategies and management approaches.

Christine Popp is a financial advisor with Robert Baird & Co. in Maple City, MI, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Robert Baird & Co. since 1998. Outside of her advisory role, she is a co-owner of Performance Tool Properties. She 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 team offers a range of consulting and portfolio services tailored to client goals and risk tolerances, including discretionary and non-discretionary management, separately managed accounts, and overlay services.

Alexander Kokas is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2019, with prior roles at PNC Bank, Invest Financial Corporation, Investors Bank, and Astoria Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting alongside affiliated brokerage and investment management capabilities.

Tina Dittmer is a financial advisor with Merrill in Traverse City, MI, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill Lynch since 1994. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, and institutional investors.

Patrick Kolody is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1993 and began his career with Merrill in 1996. Patrick works with high net worth individuals to define and implement their long-term financial goals. He is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. Patrick earned a Bachelor's Degree from Grand Valley State University. His areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization. Patrick lives in Traverse City, Michigan, with his wife Joelle and their sons Sean and Parker. He is active in the community, serving on the board of Traverse City's At Risk boxing club, which works with disadvantaged youth, and participates in the Traverse City RipTide Youth Mentoring and Mentor Group. His personal interests include basketball, boating, golfing, reading, and spending time with family.

Kevin Kelly is a financial advisor with LPL Financial, holding CFP® and multiple securities licenses, and has 44 years of industry experience. He previously worked at Western International Securities, Inc. and Financial West Group, and led his own practice, Kevin Paul Kelly & Associates, for 30 years. In addition to his advisory work, he is also a licensed attorney and notary. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Jennifer Youker is a financial advisor with Raymond James & Associates in Traverse City, MI, holding the CFP® designation and Series 63 and 65 licenses. She has 30 years of industry experience, including 13 years with Raymond James and a 30-year career at Youker Construction. 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 wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning and consulting services with a variety of portfolio management styles and affiliated research resources.

Benjamin Watts is a CFP® with eight years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2018. Prior to this, he was involved with Traverse City Whiskey Co. from 2015 to 2018. 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 IPS-driven advisory approach incorporates modern portfolio theory and includes a broader set of financial product offerings than typical large institutional advisers.