Dennis Brown is the sole advisor at Investment Initiatives, LLC in Ludington, MI. He holds Series 63 and Series 65 licenses and has 16 years of industry experience, including roles at North Nassau Advisors, LLC and Equitas America, LLC. He has led Investment Initiatives since 2014. Investment Initiatives provides fee-based investment advice and financial planning to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm combines institutional consulting with actively managed strategies such as options and margin trading, offering tailored portfolios guided by written investment policy statements.

Jana Plaisier is a financial advisor with Plaisier Financial Group LLC in Ludington, MI, holding a Series 63 designation and 39 years of industry experience. She has operated her own financial advisory firm since 2002 and is involved in related businesses including tax preparation and affiliate marketing. Additionally, she serves as a skincare consultant for Rodan and Fields on a limited basis. Plaisier Financial Group provides portfolio supervisory services, investment advice, and financial planning to individuals, retirement accounts, charitable organizations, and business entities. The firm customizes investment recommendations based on client objectives and risk tolerance, emphasizing diversification and continuous account monitoring.

Jonathan Liss is a financial advisor with Middle Coast Investing LLC holding a Series 65 designation. He has five years of experience as a contributor at Seeking Alpha. Middle Coast Investing serves individual and high-net-worth clients by offering discretionary portfolio management and tailored advisory services. The firm employs strategic ETF allocation and active equity strategies, managing a diverse range of instruments with regular portfolio reviews and client meetings.

Elizabeth De Kuiper is a financial advisor at Harborfront Financial Group with 27 years of industry experience. She holds Series 63 and Series 65 designations and has worked at LPL Financial for over 20 years prior to joining Harborfront in 2024. Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high-net-worth clients. The firm uses a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation and offers services through various LPL Financial advisory programs.

Raymond Janish is a CFP® with 30 years of industry experience. He currently serves at Harborfront Financial Group, joining the firm in 2024 after 22 years with LPL Financial LLC. Outside of his advisory work, he is involved in farming beef cattle for 4-H through Janish Farms LLC. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm employs a range of investment strategies, including long-term asset allocation and shorter-term trading, and utilizes discretionary model portfolios and third-party strategies through LPL Financial-sponsored programs.

Daniel Shvartsman is the sole advisor at Middle Coast Investing LLC, an independent registered investment adviser based in Ludington, MI. He holds a Series 65 designation and has two years of industry experience. His prior work includes roles at Investing.com and Shortman Studios, as well as eight years contributing to Seeking Alpha. Middle Coast Investing LLC manages approximately $12.1 million in client assets, serving individual and high-net-worth clients with discretionary portfolio management. The firm employs both passive, index-based ETF strategies and actively managed stock portfolios, incorporating inverse and leveraged funds as part of its investment approach.

Autumn Wittlieff is a financial advisor at Harborfront Financial Group with four years of industry experience. She holds Series 63 and Series 65 designations and previously worked at LPL Financial LLC. Wittlieff also spent two years with Mason County Eastern Schools and five years at Grand Valley State University. Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high-net-worth clients, utilizing a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation. The firm manages accounts primarily on a discretionary basis and employs algorithm-driven managed services while participating in the SmartVestor/Ramsey referral program.

Michael Custer is a CFP® with eight years of industry experience and is currently an advisor at Harborfront Financial Group. He has worked at LPL Financial since 2017 and operates Custer Insurance Agency, LLC, which provides property and casualty as well as life insurance. Harborfront Financial Group offers investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm uses a range of investment strategies, including fundamental and technical analysis, and implements discretionary model portfolios and third-party strategies through LPL Financial programs.

Frank Arvai is a CFP® professional with 15 years of industry experience. He has worked at William Mack & Associates, Inc. since 2019 and previously held positions at Mutual Fund Management Co. and Arvai & Associates. He has also served as an independent contractor-consultant during a firm transition period. William Mack & Associates is a multi-team registered investment adviser serving individual and institutional clients, including non-high-net-worth and high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm emphasizes diversification, tax efficiency, and low-cost funds through a range of model strategies, managing over $1 billion in discretionary assets across approximately 950 accounts.

Kenneth Klegon is a CFP® with 15 years of industry experience, currently serving as an advisor at William Mack & Associates Inc since 2017. Prior to this, he worked at a mutual fund management company from 2011 to 2018. William Mack & Associates is a fee-only, SEC-registered investment adviser managing approximately $820 million for nearly 1,000 clients. The firm serves individuals, trusts, retirement plans, and other entities, offering discretionary investment management and financial planning with a focus on diversification, tax efficiency, and low-cost implementation using no-load mutual funds and ETFs across multiple model strategies.

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.

Bradley Recknagel is a financial advisor with FIFTH THIRD SECURITIES, Inc. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. His career includes roles at Fifth Third Bank, Bank of America, Merrill Lynch, J.P. Morgan Securities, and Chase Investment Services. Fifth Third Securities serves individual and institutional clients through investment advisory and brokerage services. The firm offers a variety of program types on the Passageway Managed Account platform, including advisor-directed mutual fund and ETF models, separately managed accounts, and direct-indexing options.

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.

Christopher Bousson is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior work history includes roles at The Huntington Investment Company, TCF National Bank, Cetera Investment Services, LPL Financial, Uvest Financial Services Group, Fifth Third Securities, and Comerica Securities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

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 Madl is a CFP® professional with 24 years of industry experience. He has been with Edward Jones since 2003, serving clients from his Ludington, MI location. 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 with a nationwide network of more than 23,700 financial advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

W Fister is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he spent 11 years with Citigroup Global Markets. Outside of his advisory role, he owns an agricultural business, Oxford Hill Farm, and serves on the finance committee of Idle Hour Country Club in Lexington, Kentucky. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and financial planning services to individuals and institutions. The firm employs a structured planning process supported by approved analytical tools and manages approximately $2.74 trillion in client assets.

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.

Linda Coules is a financial advisor at Edward Jones with 22 years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2009, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of advisors and branch offices. The firm offers various advisory programs and investment solutions, operating under a fiduciary standard.

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.