Maurice Dennis II is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 26 years of industry experience. He has been with LPL Financial since 2007, following a brief tenure at UBS Financial Services. Dennis is also a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

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 in Traverse City, MI, holding the CFP® designation and securities registrations Series 63, 65, and 66. He has 44 years of industry experience, having worked previously at Western International Securities, Inc., Financial West Group, and operated his own advisory firm, Kevin Paul Kelly & Associates, for 30 years. Kelly is also licensed to provide legal services and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including model portfolios and third-party subadvisors, supported by advisor-facing technology and a broad platform of non-advisory financial products.

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.

Lebeau Potgieter is a Series 66 licensed financial advisor with 19 years of industry experience, currently with Cetera. He has held roles at firms including Avantax and Voya Financial Advisors. Outside of his advisory work, Potgieter serves on the boards of The Pathfinder School and the Groundwork Center for Resilient Communities, a nonprofit focused on environmental and community issues in Northern Michigan. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 independent advisors. It offers a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services.

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.

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.”

John Ehardt is a CFP® professional with 35 years of experience in the financial services industry. He has worked at LPL Financial since 2000 and has been with Advanced Financial Group, Inc. since 2002. Outside of advisory work, he is involved as a partner in an LLC that owns an office building. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various operational and research tools.

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 credentials and has previously worked at CUSO Financial Services, Foguth Wealth Management, FIFTH THIRD SECURITIES, and Fifth Third Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with account management supported by both proprietary research and third-party subadvisors.

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.

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.