Micheal Heckman is a CFP® professional with 17 years of industry experience, currently serving at RFG Advisory, LLC since 2019. His prior experience includes roles at Ameriprise Financial Services, Inc. and Edward Jones. Outside of his financial advisory work, Micheal is the chief instructor and curriculum designer at West Shore Combat Arts, a martial arts and fitness studio. RFG Advisory provides investment advisory and planning services to a diverse range of clients, including individual and high-net-worth investors, retirement plans, and institutional clients such as investment companies and government entities. The firm’s investment approach primarily uses discretionary management and a variety of model strategies, including firm-managed ETFs, direct indexing, and third-party platforms.

Russell Schade is an investment advisor with RFG Advisory, LLC in Ludington, MI, holding a Series 65 credential and one year of industry experience. Prior to joining RFG Advisory, he held roles in education and landscaping, including positions at Central Michigan University and West Shore Community College. RFG Advisory serves a diverse client base that includes individual and high-net-worth investors, retirement plans, and select institutional clients. The firm offers discretionary portfolio management, financial planning, retirement plan consulting, and access to alternative investments, utilizing a range of model strategies and third-party platforms.

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 in Ludington, MI, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her prior work includes roles at Edward Jones and Primerica Financial Services. Outside of her advisory role, she co-owns a custom upholstery business and serves as an assistant manager at a self-storage facility. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third-party asset managers and operates at a large scale with approximately $15.5 billion in assets under management.

Ryan Ruba is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL in 2021, he was with Regal Financial Group and also worked at Calvin University and Jamesport Brewing Company. Outside of his advisory role, he has worked as a server at Jamerport Brewing Co. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 at Edward Jones with a Series 66 designation and two years of industry experience. His prior roles include positions at Cottage Works and Larsens Landscaping, as well as eight years with the City of Ludington. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products through a nationwide network of financial advisors and branch offices.

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 prior roles include positions at Waddell & Reed, Priority Health, and the United Methodist Church of Ludington. He is also involved in non-variable insurance activities with CRUMP and Priority Health. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party management, supported by advanced operational tools and a broad array of financial products.

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 in Ludington, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with LPL Financial since 2002. Ruba also engages in a limited split commission arrangement on fixed insurance business with a State Farm agent and serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions, including access to model portfolios, third-party subadvisors, and institutional platforms.

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.