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.

Edward Schindler is a financial advisor with Robert W. Baird & Co. in Frankfort, MI, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with Robert W. Baird & Co. since 1999 and also serves as a coach at Frankfort Elberta Public Schools. He is part of the DDK Group within Baird’s Private Wealth Management practice, which advises a broad range of clients including individuals, families, and institutions. The group offers customized financial planning and portfolio management services, utilizing both in-house and third-party managers to implement diverse investment strategies.

Susan Stepka is a financial advisor at Raymond James & Associates with two years of industry experience. Prior to joining Raymond James, she worked at First Community Bank for five years and spent three years at Bruno Orthodontics. Outside of her advisory role, she sells vintage items on eBay in a limited capacity. 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 municipal entities, offering financial planning and consulting through various advisory programs.

Shawn Bramer is a financial advisor at Thrivent Investment Management with a Series 66 credential. He has been with Thrivent and its affiliated entities since 2025, and has prior experience in various roles outside of the financial industry. 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 multiple financial topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Julie Olivier is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Julian is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Mark Jackson is a financial advisor at Thrivent Investment Management in Traverse City, MI, with 25 years of industry experience. He has held roles at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. He holds Series 63 and Series 65 licenses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other planning topics. The firm combines holistic, goal-based analyses with managed-account programs while keeping planning and portfolio management services distinct.

Tracy Raz is a financial advisor with Robert Baird & Co. in Williamsburg, MI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Robert Baird & Co. since 1996. Outside of her advisory role, she owns and operates a business services LLC and is involved in real estate activities, including serving as a real estate agent and managing rental properties. The DDK Group at Robert W. Baird & Co. provides tailored wealth management services to individuals, families, pensions, corporations, and charitable organizations. Their approach includes financial planning, discretionary and non-discretionary portfolio management, and customized investment strategies utilizing both in-house and third-party managers.

Denver Cade is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Outside of his advisory role, he serves as the chapter president of a local business networking group and is the head coach for the junior varsity girls' basketball program at Buckley Community Schools. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning covering topics such as retirement, tax, estate, and special needs planning, without including implementation in the planning service.

Trevis Gillow is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James for 26 years. Outside of his advisory role, he is a partner in JACER Properties LLC, a rental real estate business. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers a range of financial planning and advisory services, employing multiple portfolio management styles alongside proprietary research and affiliated sub-advisers.

Emma Thompson is a financial advisor at Robert Baird & Co. with four years of industry experience. She holds the Series 66 designation and has been with Baird since 2018. Outside of her advisory role, she has been involved with the Saskatoon Golf Club since 2017. 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 group provides a range of consulting and portfolio services tailored to client goals, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Karin Ulrich Engel is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 30 years of financial experience, including 16 years with Merrill Lynch, and holds the CERTIFIED FINANCIAL PLANNER® designation as well as the Personal Investment Advisor (PIA) credential. Karin's practice focuses on helping clients navigate significant life transitions such as retirement, career changes, loss of a loved one, and legacy planning. She works closely with clients to develop personalized strategies aimed at achieving their financial goals and managing wealth across generations. Karin earned her Bachelor's degree from North Central College and a Master's degree from the University of Phoenix. Prior to her current role, she gained experience in the insurance and banking industries and taught personal finance classes. Her expertise includes personal retirement planning, portfolio management, and advising women on wealth matters. Outside of her professional work, Karin is involved with the Northern Illinois Food Bank and has contributed her skills by sewing clothing for community programs and supporting youth through teaching sewing to Girl Scout troops. Her personal interests include cooking, gardening, knitting, crocheting, photography, reading, sewing, and traveling.

Mark Stackable is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as a power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jonathon Lamb is a Series 66-licensed financial advisor at Edward Jones with six years of experience, having joined the firm in 2020. Prior to this, he worked for eight years at Traverse City Country Club. He is also a part owner of Cultivation Court LLC, an LLC established with close associates. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors. The firm manages over $1 trillion in assets and provides services under a fiduciary standard.

Heather Palmer is a financial advisor at Robert W. Baird & Co. with a Series 66 credential and experience in the industry beginning in 2018. She has held positions at Stifel Financial, Prout Financial Design, and Raymond James and Associates. Palmer is based in Traverse City, MI. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and brokerage, supported by internal research and innovative investment strategies.

Lucas Settineri is a CFP® with three years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His prior experience includes roles within various Raymond James entities and CG Financial Services. He also spent four years at Michigan State University during his early career. Raymond James & Associates, Inc. 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, institutional investors, charitable organizations, and governmental entities, offering financial planning and non-discretionary investment consulting with a range of portfolio management styles and affiliated research.

Christine Tiesworth is a financial advisor at Morgan Stanley with 16 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model outcomes, while clients are responsible for implementation and updates.

Roxanne Hunter is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2013, bringing with her extensive experience from a prior career as Vice President and CFO of a national engineering firm. Roxanne focuses on managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. With more than a decade in financial services, Roxanne employs a goals-based approach to wealth management that emphasizes comprehensive and personalized financial strategies. Her expertise encompasses investment, financial, estate, tax minimization, and liability planning tailored to high net worth individuals and families. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roxanne earned her bachelor’s degree from Central Michigan University. Based in Cadillac since 1986, Roxanne lives with her husband, Scott, where they raised their three children. Outside of her professional work, she enjoys boating, golfing, reading, and spending time with her family.

Christian Holmes is a financial advisor at Merrill with two years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Bank of America, N.A., Mikowski Masonry, and involvement with Central Michigan University and The Bay Theatre. 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 to a variety of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Leah Pierce is a financial advisor with Edward Jones in Traverse City, MI, holding a Series 66 designation and bringing three years of industry experience. She previously worked at Eikenhout and D&S North. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services including wrap fee strategies, separately managed accounts, and tax-efficient options, supported by a large nationwide network of financial advisors and branch offices.