Howard Ryan is the sole advisor at The Ryan Group Portfolio Design LLC, holding a Series 65 designation with 11 years of industry experience. He has worked at The Ryan Group Portfolio Design since 2013 and previously at the Michigan Department of Treasury from 2011 to 2018. Outside of advisory services, he operates a tax preparation business as a sole proprietor. The Ryan Group Portfolio Design LLC provides investment management and consultation services to individuals, families, trusts, estates, and business entities. The firm focuses on individualized portfolio construction based on fundamental analysis and offers tax-planning consultations and annual 1040 preparation when requested.

Richard Price is a financial advisor with Meridian Asset Management, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. Prior to joining Meridian in 2020, he worked at Michigan Securities, Inc. and Michigan Advisors, Inc. for 15 years. In addition to his advisory role, he is an independent insurance agent specializing in health and life insurance sales. Meridian Asset Management is a single-advisor registered investment adviser serving individuals, high-net-worth clients, businesses, trusts, and estates. The firm offers discretionary and non-discretionary investment management and financial planning, employing a strategic asset allocation approach based on Modern Portfolio Theory with a focus on income-producing large-cap dividend growers and diversified holdings across fixed income, small-cap, and international equities.

Timothy Norton is a financial advisor with McDonald Partners LLC in Ann Arbor, MI, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with McDonald Partners since 2006. Outside of his advisory role, Norton serves on the board of directors for Caymus Funding Inc., a portfolio company of McDonald Partners' private funds. McDonald Partners LLC serves individual investors and institutional clients, offering investment management, financial planning, pension consulting, and brokerage services. The firm combines advisory and broker-dealer activities and manages affiliated private funds alongside a variety of portfolio management and financial planning options.

Charles Dickinson is an advisor at William Mack & Associates Inc with Series 63 and Series 65 credentials and five years of industry experience. He has worked previously at Rockport Wealth Advisors and is the managing member of Monitor My Advisor LLC, a compliance consulting firm serving registered investment advisers. William Mack & Associates is a multi-team registered investment adviser serving individual and institutional clients, including high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm emphasizes diversification, tax efficiency, and low-cost funds through tailored investment strategies and manages over $1 billion in discretionary assets.

Paul Moody is a financial advisor with McDonald Partners LLC in Boyne City, Michigan. He holds Series 63 and Series 65 licenses and has 41 years of industry experience. Prior to joining McDonald Partners in 2015, he worked at Optimal Capital Advisors, LLC and Putnam Investment Management, LLC. Outside of his advisory work, Mr. Moody is a seasonal fly fishing guide and a part-time ski instructor. McDonald Partners serves individual and institutional clients, providing investment management, financial planning, pension consulting, and brokerage services. The firm uses a customized approach that incorporates fundamental, technical, and cyclical analysis and offers a range of portfolio management options alongside advisory and sponsor roles in pooled investment vehicles.

Andrew Craig is a financial advisor at MariPau Wealth Management LLC in Petoskey, MI, holding a Series 65 credential with two years of industry experience. Prior to joining MariPau and Walloon Wealth Management, he has been a member-manager and 50% owner of Escape Games LI LLC, a physical escape room business, since 2018. MariPau Wealth Management provides tailored investment advisory, portfolio management, and financial planning services for individual and high-net-worth clients. The firm employs a network of advisory affiliates and third-party managers, integrating technology platforms for comprehensive portfolio oversight.

Kristin Bennett is a CFP® professional with 12 years of experience in financial advising. She has worked at TruNorth Capital Management since 2023 and previously held positions at Greenleaf Trust and Plante Moran financial advisors. TruNorth Capital Management is a fee-only, fiduciary Registered Investment Adviser serving individuals, high-net-worth families, family offices, corporations, charitable foundations, and employer-sponsored retirement plans. The firm focuses on low-cost, broadly diversified portfolios managed on a discretionary basis, emphasizing ETFs, mutual funds, bonds, and cash equivalents with tactical asset allocation and periodic rebalancing.

Todd Mcnitt is a financial advisor with Fairway Investment Group, LLC, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Paradigm Equities, Inc. and MEA Financial Services, Inc. since 2008. Outside of his advisory role, he operates a home-based builder business. Fairway Investment Group primarily serves members of the Michigan Education Association and their families, as well as individual clients, trusts, estates, and select businesses. The firm offers fee-based investment advisory and portfolio management services through LPL Financial-sponsored programs, focusing on non-discretionary management with tailored recommendations based on client objectives.

John Blanck is a financial advisor at Success Wealth Management LLC with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Success Wealth Management since 2023. His prior experience includes roles at JB Financial LLC and The Leaders Group, Inc., and he is also involved in insurance sales through American Senior Benefits and JB Financial LLC. Success Wealth Management LLC advises individuals and high-net-worth clients, providing discretionary asset management, financial planning, and consulting services. The firm follows a customized asset allocation approach based on Modern Portfolio Theory and client objectives, using technology for client communications while not employing AI in investment decision-making.

Andrew Heitner is a financial advisor at Snowden Capital Advisors LLC with 31 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Fieldpoint Private Securities LLC for nine years before joining Snowden Capital in 2022. Snowden Capital Advisors serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients, offering customized portfolio management, investment consulting, and a range of advisory programs that utilize both in-house and third-party investment strategies.

Kevin Finn is a financial advisor at Harbour Investments, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbour Investments since 2009. Outside of his advisory role, he is an independent insurance agent and is involved in buying and selling sports cards. Harbour Investments provides investment advisory and financial planning services to a diverse client base, including individual investors, charitable and corporate clients, and retirement plans. The firm employs a combination of fundamental and technical analysis to create customized investment strategies and offers both discretionary and non-discretionary portfolio management solutions.

Betsy Britton is a financial advisor with Principal Financial Services and holds the Series 63 and Series 66 licenses. She has 18 years of industry experience, including roles at Principal Financial Services since 2007, Korthase Flinn since 2010, and Highstreet Insurance & Financial Services since 2026. Korthase Flinn was acquired by Highstreet Insurance Partners, where she currently operates. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Randall Flinn is a financial advisor at Principal Financial Services with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Principal Financial Services since 2016. He is also involved in various business activities, including serving as a board member of Moran Iron Works and managing several LLCs related to office buildings and consulting services. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money managers through various advisory and promoter arrangements.

Angela Granata is a Certified Financial Planner (CFP®) with 30 years of industry experience. She has been with J.W. Cole Advisors, Inc. and its affiliated entity, J.W. Cole Financial, since 2015. Prior to that, she worked at KeyBanc Capital Markets Inc. for four years. Granata is also the owner of Luminous Consulting, a non-investment related business. J.W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutions. The firm uses a range of strategies and custodial platforms and provides both discretionary and non-discretionary account management.

David Elliott is a financial advisor with Edward Jones in Bay Harbor, MI, holding Series 63 and Series 66 registrations. He has 19 years of industry experience, including 14 years at Edward Jones. 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 and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Harold Maude Jr. is a financial advisor with Equitable Advisors holding Series 63 and Series 66 credentials and 43 years of industry experience. He has been with Equitable Advisors since 2006, including time at Axa Advisors, LLC prior to the transition. He serves as a trustee for two family irrevocable trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to meet client needs, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Elizabeth Berge is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, she worked at Industrial Magnetics Inc., Moeller Mfg. Company LLC, and Williams International. Outside of her advisory role, she coordinates events at Boyne Ranch LLC Springbrook Farms and serves as a brand ambassador for Shaggy's Copper Country Skis. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and comprehensive service offerings.

Sarah Polleys is a financial advisor with Edward Jones in Charlevoix, MI, holding a Series 66 designation and with nine years of experience at Edward Jones. Prior to joining the firm, she spent one year with the Community Reformed Church. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large national network of financial advisors and branch offices.

Christian Johnson is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, specializing in asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG framework in its recommendations.

Carrie Titus is a CFP® professional with six years of industry experience, currently serving at Edward Jones in Charlevoix, MI. She has worked with Edward Jones since 2018 and has prior experience in various roles including retail with Tiny Man Company and education. Titus is a board member of the Crooked Tree Arts Center finance committee and serves on the Board of Review for Charlevoix Township. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 financial advisors.

Randolph Keys is a financial advisor with Edward Jones in Harbor Springs, MI, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with Edward Jones since 2009. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Sarah Foster is a CFP® and Series 66-licensed financial advisor at Edward Jones with 11 years of industry experience. She has been with Edward Jones since 2014 and also has a background in contracting through her ongoing role at A & S Contracting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard, supported by a large network of advisors and branch offices nationwide.

Ruth Skop is a financial advisor at Edward Jones with 17 years of industry experience. She holds the ChFC® and Series 66 credentials and has been with Edward Jones since 2008, following a prior career at Wood & Wicker Inc. Skop serves as a board member for Northern MI Equine Therapy, helping organize fundraising events to support scholarships for occupational therapy using horses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Alfred Sickinger is a financial advisor with Raymond James & Associates in Boyne City, MI, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a partial owner of a garage used to store his car collection. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

James Richman is a financial advisor with Edward Jones in Boyne City, MI, holding a Series 66 designation and eight years of industry experience. He worked at ReeceNichols and Saint Paul's Episcopal Day School from 2007 to 2017 before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

David Ligotti is a CFP® professional with over 26 years of experience in the financial industry, currently serving with Cetera since 2004. He also operates an accounting and tax business, Oakwood Business Services LLC, and holds treasurer roles with several nonprofit organizations, including the Purple Rose Theatre Company and Leuk’s Landing animal rescue. Additionally, he participates in finance committees for the Bay Harbor Community Council and Terravita Country Club. Cetera Investment Advisers LLC is a nationwide SEC-registered firm providing portfolio management, financial planning, and retirement services to a broad client base ranging from individual investors to institutional accounts. The firm offers a multi-manager platform that includes model portfolios, third-party managers, and customized strategies across various program structures and custodial relationships.

Matthew Pursley is a financial advisor with LPL Financial in Harbor Springs, MI, holding Series 63 and Series 65 credentials and having 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley from 2006 to 2022. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Timothy Knapp is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Clifford Harris is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Woodbury Financial Services for 19 years. Harris is also the owner of an LLC that provides fixed insurance services to existing clients and family members. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services across multiple platforms, utilizing asset-allocation tools, risk assessments, and third-party money managers to construct diversified portfolios.

Benjamin Muladore is a financial advisor with Edward Jones in Charlevoix, MI, holding the CFP®, ChFC®, and Series 66 designations and has 19 years of industry experience, all with Edward Jones since 2007. Outside of his advisory role, he is involved with Farrell Property, LLC, managing investment property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors. The firm provides discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Marianne Watson is a financial advisor at LPL Financial with 24 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Cetera and First Community Bank. She is also involved with FCB Wealth Management. 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.

Kevin Larson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He collaborates with clients to develop personalized financial strategies designed to help pursue their long-term goals. Utilizing insights from Merrill and the banking and lending resources of Bank of America, he aims to create flexible wealth management approaches aligned with clients’ priorities and changing market conditions. Kevin holds a Bachelor’s Degree from the University of Alabama System and holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also active in his community, volunteering with local organizations following the Merrill tradition of community involvement. Outside of work, Kevin enjoys boating, golfing, and skiing.

James Taylor is a CFP® with seven years of industry experience, currently serving as a financial advisor at Cetera. He previously worked at Avantax Investment Services and 1st Global Advisors, and is a tax partner at DGN, LLC, where he provides tax compliance, planning, and business consulting services. Taylor also serves as a co-trustee for a family trust. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm supporting individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various program options, including discretionary portfolio management, financial planning, and access to third-party money managers.

Gregory Saville is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at prominent firms including Bank of America, J.P. Morgan, and First Republic Investment Management. Outside of his advisory role, he serves on the Finance Committee of Rosarian Academy and is a managing member of an LLC formed to own a boat. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Larry Cassidy is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. Outside of his advisory role, he is involved in sales of loan products and home services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-driven strategies created by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Richard Garner is a CFP®-certified financial advisor with 23 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services, 1ST Global Advisors, and Dennis Gartland & Niergarth. Outside of his advisory roles, he serves as a co-trustee for an irrevocable trust. Cetera Investment Advisers LLC is a large SEC-registered firm that supports over 10,000 advisors and more than 800,000 clients nationwide, offering a range of portfolio management, financial planning, and retirement services. The firm operates a multi-manager platform with discretionary and non-discretionary strategies tailored to individuals, retirement plans, and institutional accounts.