Debora Craig is a financial advisor with Crystal Coast Wealth Advisors LLC in Cadillac, MI, holding a CFP® designation and Series 63 and 65 licenses. She has 26 years of industry experience, including 15 years at Craig Wealth Advisors LLC/Raymond James and prior roles at Cary Stamp & Company/Commonwealth Financial Network and The Leaders Group Inc. Craig is also an author, having written a book on investment planning in 2017. Her firm advises individuals, high-net-worth clients, and business entities through ongoing portfolio management and standalone financial planning, using a long-term, fundamentally based investment approach that incorporates modern portfolio theory and tailored model allocations.

Dustin Insley is a financial advisor at Mission Financial Group, LLC with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Edward Jones and Commonwealth Financial Network. Outside of advisory work, he owns Makena Farm, LLC, a farmland management enterprise in Manton, MI. Mission Financial Group serves individuals, retirement plans, trusts, and businesses by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a discretionary management approach, utilizing asset allocation, sector and security analysis, and a range of investment products while regularly monitoring and rebalancing portfolios.

Rachel Gilchrist is a financial advisor at Fifth Third Securities, Inc. in Cadillac, MI, holding Series 63 and Series 65 licenses. She has been with Fifth Third Securities since 2025 and has a broader work history including roles at MacDonald Garber Broadcasting, Samaritas Senior Living, and Charter Communications. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutions through both advisory and brokerage services. The firm offers multiple investment programs via the Passageway Managed Account platform, providing access to mutual fund, ETF, SMA, and direct indexing strategies.

Robert Grostick II is a financial advisor at Centaurus Financial, Inc. with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Centaurus Financial since 2008 and Carroll National Plans since 2005. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory management of annuity and variable life sub-accounts.

Patrick Carroll is a financial advisor with Centaurus Financial, Inc. in Cadillac, MI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Centaurus Financial since 2006 and has operated his own advisory business since 1996. Carroll serves as a board member of the Munson Health Care Community Healthcare Council, the Munson Healthcare Foundation Cadillac Hospital Board, and the Clam Lake Township Downtown Development Authority. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services with a mix of discretionary and non-discretionary arrangements.

Julianna Muscarella is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. She holds Series 65 and Series 63 licenses and has prior work experience at Fifth Third Bank, Holiday Inn Express, Tommy Hilfiger, and Wayland Union High School. Fifth Third Securities, Inc. serves individual and institutional clients through investment advisory and brokerage services, offering various managed account programs on the Passageway platform. The firm operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor, with a diverse client base and a broad range of portfolio management options.

Gabrielle Boyer is a financial advisor at Ameriprise with 10 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2024. Outside of her advisory role, she manages an advisory business under Boyer Family Holdings. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice based on detailed investment research and tax-aware strategies.

Kevin Mc Glaughlin II is a financial advisor at Edward Jones in Cadillac, MI, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones, he worked at Integrity Viking Funds, Liberty Tax, KSK Inc., and The Spot Minot. Outside of his advisory role, he has been involved with KSK Inc. since 2019. 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 advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Neal Soenksen is a CFP® professional with seven years of experience at Edward Jones, where he has worked since 2019. Prior to joining Edward Jones, he spent 28 years at Eli Lilly. Outside of financial advising, he owns Connected Home Services, LLC, a home automation business, which he established to support his son's entrepreneurial efforts, and serves as an online instructor for E-Cornell. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, managing approximately $1.01 trillion in assets.

Casey Boyer is a financial advisor at Ameriprise Financial Services with nine years of industry experience. Prior to joining Ameriprise in 2024, he worked at Edward Jones for seven years and Hunting National Bank for one year. Boyer serves as Vice President on the Board of Directors for Cadillac Area Habitat for Humanity. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning using dependable income sources and tax-aware withdrawal strategies.

Kyle Hondorp is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he serves as a high school referee for volleyball, basketball, and softball, and acts as an assigner of games for the Mecosta-Isabella-Clare Officials Association. 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 under management through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Elizabeth Howey is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 designation and has previously worked with firms including Eagle Strategies LLC, NYLIFE Securities LLC, and Integrated Financial Strategies. Her background also includes roles with the Southern Ute Tribal Government and the City of Durango. 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 portfolio programs, third-party asset management, and institutional platforms.

Amy Schmid is a Series 66-licensed financial advisor with Edward Jones, based in Cadillac, MI. She has 11 years of industry experience and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Chad Denike is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He previously worked at Princor and The Orrin A. Sprague Agency, Inc. in Cadillac, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers 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 options, with a platform that supports both discretionary and non-discretionary strategies.

Richard Galka Jr. is a financial advisor with OSAIC based in Cadillac, MI, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. His prior experience includes roles at The O.N. Equity Sales Company and Ohio National Life Insurance Company. Beyond his advisory duties, he serves as an election inspector for the City of Cadillac. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and third-party solutions to construct portfolios across a range of investment types on both discretionary and non-discretionary bases.

Matthew Vanden Bos is a financial advisor with Edward Jones in Cadillac, MI, holding a Series 66 designation and seven years of industry experience. Prior to joining Edward Jones in 2019, he worked for Rec Boat Holdings, LLC for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Amanda Thomas is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and previously worked at Edward Jones, Horizon Bank, Dollar General, McBain Rural Agricultural School, and Little Blessings. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies. The firm’s approach incorporates internal and third-party research and uses restrictive enrollment criteria based on investable assets, with recommendations influenced by affiliated product offerings.

D Andrew Ulrich is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked for Northern Lakes Community Mental Health for 13 years and was involved with the United Way organizations in Northwest Michigan and Wexford Missaukee Counties. 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 advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jennifer Mitchell is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 40 years of industry experience. She has been with Cambridge since 2009. Outside of advising, Mitchell serves as vice president of the Clam Lake Band, is involved with several local nonprofit boards including Love INC and the Cadillac Area Community Foundation, and owns multiple real estate investment entities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement services through a network of independent professionals using a range of discretionary and non-discretionary strategies and platforms.

James Carnaghi is a financial advisor with LPL Financial in Cadillac, MI, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. His prior work includes roles at Waddell & Reed, Connect Financial, and various insurance carriers. Outside of advisory services, he has been involved with the Rotary Club of Cadillac and operates CUGGIONO, LLC, a business unrelated to investments. 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 wide range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Wayne Mc Bride is a financial advisor with LPL Financial in Tustin, MI, holding Series 65 and Series 66 licenses and over 23 years of industry experience. He has worked at LPL Financial since 2003 and has been involved with Mason-McBride Capital Advisors, LLC since 2004, providing financial planning and consulting services through this independent registered investment adviser. Outside of his advisory role, he is involved in equipment leasing through Donegal Holdings, LLC. 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, asset management programs, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Michael Oleszkowicz is a CFP®-credentialed financial advisor with 26 years of industry experience. He has been with UBS Financial Services in Troy, MI since 2003. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

David Shively is a financial advisor with LPL Financial in Cadillac, MI, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he held positions at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, Bank of America, and other financial institutions. Outside of his advisory work, he serves with the Cherry Grove Fire Department. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of advisors and supports these services with advanced operational tools.