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.

Maurice Dennis II is a financial advisor at LPL Financial in Traverse City, MI, holding a Series 66 credential with 25 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 2007. Outside of his advisory role, he is a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients across the United States. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management supported by research and model strategies.

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.

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.

Terry Thompson is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at FSC Securities Corporation and Bliss Insurance and Financial Services. Thompson operates Bliss & Thompson Financial Services as a sole proprietor, providing securities and investment services alongside administrative duties. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools and third-party solutions to construct diversified portfolios, offering both discretionary and non-discretionary management options.

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.

John Ehardt is a Certified Financial Planner (CFP®) based in Traverse City, MI, with 34 years of industry experience. He has been affiliated with LPL Financial since 2000 and has operated Advanced Financial Group, Inc. since 2002. Outside of his advisory work, he is a partner in an LLC that owns an office building. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diverse advisory programs, financial planning, and consulting services supported by in-house research and third-party strategies.

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.

Jeffrey Dennis is a financial advisor at LPL Financial with four years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at CUSO Financial Services, Foguth Wealth Management, FIFTH THIRD SECURITIES, and Fifth Third Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

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.

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.

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.