Micheal Heckman is a financial advisor with RFG Advisory, LLC, holding the CFP® designation and Series 66 license, and has 16 years of industry experience. He has worked at RFG Advisory since 2019 and previously at Ameriprise Financial Services, Inc. He is also the chief instructor and curriculum designer at West Shore Combat Arts, where he teaches martial arts and health fitness. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing about $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive ETF/mutual fund models, direct indexing, and tax-aware strategies, and serves notable clients such as the Bluemonte family of ETFs as well as state and municipal entities.

Russell Schade is a Series 65-licensed financial advisor with RFG Advisory, LLC in Ludington, MI, with one year of industry experience. Prior to joining RFG Advisory, he held various roles including positions at Central Michigan University and West Shore Community College. He is also associated with Sable Point Wealth Management as a DBA of RFG Advisory. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing about $8 billion for over 17,000 clients. The firm offers portfolio management, financial planning, retirement plan consulting, and access to various investment strategies, including proprietary models and alternative investments.

Joseph Dault is a financial advisor at OSAIC with 47 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. for over two decades and has operated Dault Financial Services since 1996, where he provides accounting and tax preparation services. He is also a member of the Board of Directors for the Priestly Fraternity of the Sacred Heart, a nonprofit organization. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a wide range of brokerage and advisory services, leveraging asset-allocation tools and third-party platforms to create customized investment portfolios.

Kathryn Sanford is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at Edward Jones and has been with Primerica Financial Services since 2002. Outside of financial advising, she co-owns a small upholstery business in Ludington, Michigan, and serves as an assistant manager at a self-storage facility. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure as part of its investment approach.

Ryan Ruba is a financial advisor with LPL Financial in Ludington, MI, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial, he worked at Regal Financial Group for one year and was employed at Calvin University and Jamesport Brewing Company. Outside of advising, he has worked as a server at Jamesport Brewing Co. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning, advisory programs, and retirement plan consulting services, offering both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Jessica Hettiger is a financial advisor at Cetera with a Series 65 designation and one year of industry experience. Her prior roles include positions at Borema-Hamm Agency, Brad Chapman Agency - State Farm, and Urka Auto Center. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through more than 10,000 advisors.

Eric Friese is a financial advisor with Edward Jones in Ludington, MI, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Cottage Works, Larsens Landscaping, Hemlock Golf Club, DK Security, and the City of Ludington. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. It manages over $1 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Brian Matson is a Series 66 credentialed financial advisor with Edward Jones in Ludington, Michigan, where he has worked since 2012. He has 14 years of industry experience. Outside of his advisory role, Matson is the owner and operator of a property management business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Derik Heimerdinger is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. His career includes roles at Waddell & Reed, Priority Health, and the United Methodist Church of Ludington. He has additional involvement with non-variable insurance products through CRUMP and Priority Health. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning services, and utilizes both discretionary and non-discretionary management supported by extensive research and diverse investment strategies.

Tanya Lesinski is a CFP® and Series 66-licensed financial advisor with Edward Jones in Ludington, MI, where she has worked for nine years. Prior to joining Edward Jones, she spent three years in real estate with CENTURY 21 Bayshore Real Estate. She is a member of SUMMIT LAND AND FOREST LLC, which consults with landowners on forest management programs, and serves as a deacon at Mason County Reformed Church, assisting with organizational leadership and budget planning without handling funds. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, managing approximately $1.01 trillion in assets.

Richard Ruba is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he is involved in a split commission arrangement on fixed insurance business with a State Farm agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a broad range of financial planning, advisory programs, and brokerage services supported by research and multiple investment management options.

George Schrode Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2020. Outside of his advisory role, he manages Schrode Lodgings LLC, a campground and cabin rental business. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies managed by unaffiliated asset managers and supports account custody through Pershing.