Dawn Moses is a financial advisor at Sensible Financial Solutions, LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Sensible Financial Solutions since 2017. Outside of her advisory work, she has offered private piano instruction since 1999 and serves as chair of the Kalkaska Conservation District Board. Sensible Financial Solutions provides financial planning and portfolio management primarily for individual and high-net-worth clients. The firm emphasizes a passive investment approach using diversified portfolios of index mutual funds and ETFs, typically managing accounts on a non-discretionary basis and coordinating access to third-party model portfolios.

Randall Kamps is the sole advisor at I Am, Inc., an independent firm based in Williamsburg, Michigan. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Kamps has been with I Am, Inc. since 2001 and has also been affiliated with Massachusetts Mutual Life Insurance Company since 1996. Outside of his advisory role, he serves as president and owner of a third-party administrative business. I Am, Inc. specializes in holistic retirement income planning and consulting for individuals and retirement plan sponsors. The firm focuses on retirement topics such as Social Security, annuities, long-term care, and estates, and refers clients to third-party asset managers for investment implementation, operating primarily as an advisory and referral practice rather than a discretionary manager.

Darren Conklin founded Conklin Financial Management in 2017 with his wife, Barbara, after determining throughout his career in financial services that many people would be better served with a fee-based, fiduciary approach to planning and an investment philosophy built on a foundation of market information and financial science. Darren is a University of Michigan graduate and proud father of two and grandfather of three. He has been a business owner for many years and has extensive experience with starting, buying, and selling businesses; college funding; long term care; divorce; and retirement accumulation and income planning. Darren has been heavily involved in the community including many years as a high school football coach, board member and volunteer across many different organizations.

Justin Cherwinski is a financial advisor at Asset Allocation Strategies, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at GLP Investment Services, GLP & Associates, and Huntington National Bank. In addition to his advisory role, Cherwinski is an insurance agent specializing in life insurance and fixed/index annuities. Asset Allocation Strategies provides discretionary and non-discretionary investment management, financial planning, and retirement-plan advisory services to individual investors and plan sponsors. The firm’s investment approach emphasizes strategic asset allocation using quantitative techniques and offers additional services such as 529 assistance and portfolio-based financing strategies.

Heather Kilbourne is a financial advisor with Fifth Third Securities, Inc. She holds Series 63 and Series 65 licenses and has 29 years of industry experience. Prior to joining Fifth Third Securities and Fifth Third Bank in 2023, she worked at Wedbush Securities Inc. for eight years. Outside of her advisory role, she is a co-owner of Blueprint Investments LLC, a real estate and auto business. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm provides multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with integrated supervisory and review processes.

David Jung is a CFP® professional with 38 years of industry experience. He has been affiliated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA since 1995 and has operated Dave Jung & Associates since 1991. His background includes ownership of a non-variable insurance agency in Williamsburg, MI. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent Investment Advisor Representatives, operating an open-architecture platform with multiple custodians and third-party money managers.

Matthew Quinter is a financial advisor at Fifth Third Securities, Inc. based in Traverse City, MI. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Quinter has been with Fifth Third Securities since 2007 and has worked at Fifth Third Bank since 2003. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Maurice Dennis II is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 26 years of industry experience. He has been with LPL Financial since 2007, following a brief tenure at UBS Financial Services. Dennis is also a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Larry King II is a financial advisor at Edward Jones with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a broad range of households and organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

John Ehardt is a CFP® professional with 35 years of experience in the financial services industry. He has worked at LPL Financial since 2000 and has been with Advanced Financial Group, Inc. since 2002. Outside of advisory work, he is involved as a partner in an LLC that owns an office building. 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 broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various operational and research tools.

Tracy Raz is a financial advisor with Robert Baird & Co. in Williamsburg, MI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Robert Baird & Co. since 1996. Outside of her advisory role, she owns and operates a business services LLC and is involved in real estate activities, including serving as a real estate agent and managing rental properties. The DDK Group at Robert W. Baird & Co. provides tailored wealth management services to individuals, families, pensions, corporations, and charitable organizations. Their approach includes financial planning, discretionary and non-discretionary portfolio management, and customized investment strategies utilizing both in-house and third-party managers.

Emma Thompson is a financial advisor at Robert Baird & Co. with four years of industry experience. She holds the Series 66 designation and has been with Baird since 2018. Outside of her advisory role, she has been involved with the Saskatoon Golf Club since 2017. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Nathan Goffnett is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 credential and previously worked at Consumers Energy and several roles at Central Michigan University. 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Debra Pauldine is a CFP®-credentialed financial advisor with Ameriprise, based in Fife Lake, MI, and has 34 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.

Jennifer Boyer is a financial advisor with LPL Financial in Traverse City, Michigan, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been associated with Linsco Private Ledger Corp since 2001. She is also a licensed notary public in Michigan. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive technology tools and a broad network of over 22,800 advisors.

Richard White is a financial advisor with LPL Financial in Traverse City, MI, holding a Series 66 designation and 27 years of industry experience. He has been with LPL Financial since 2007 and previously worked at Merrill in 2002. Outside of his advisory role, he owns a part-time seasonal boat rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services and supports its advisors with research, model portfolios, and technology tools.

Brandon Hale is a Series 66 licensed financial advisor with Ameriprise Financial Services, bringing 19 years of industry experience. He previously worked for The Huntington Investment Company from 2007 to 2026 before joining Ameriprise in 2026. 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 income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data within a defined investment universe influenced by affiliated product relationships.

Kaila Williams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing six years of industry experience. Her career includes roles at Merrill, Bank of America, and Craig Wealth Advisors prior to joining Raymond James. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Daniel Mooradian is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and Estate Planning Strategies.

Lawrence Avery is a financial advisor based in Traverse City, MI, affiliated with LPL Financial. He holds a Series 66 designation and has 25 years of industry experience, including prior work at Edward Jones. Outside of his advisory role, he plays guitar in a swing band and serves on the board of trustees for a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, asset management, and institutional platforms, supported by advanced technology and a large network of advisors.

Donald Duggin Jr. is a financial advisor at Edward Jones with 16 years of industry experience and holds the Series 66 designation. He has been with Edward Jones since 2009. Outside of his advisory role, he is the owner of a Michigan-based Airbnb business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive advisor and branch network as well as affiliated capabilities beyond advisory services.

Steven Brothers is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2006. Outside of his advisory work, he is a business owner of Brothers Fencing, a home-based non-investment-related venture. 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 financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Randy Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2003. Additionally, he is involved with Flaherty & Warren, PC, providing tax preparation and other accounting services to clients in Traverse City, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, combining a broad advisory platform with extensive non-advisory financial activities.

Tod Taylor is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license. He has 33 years of industry experience, including 15 years with Advanced Financial Group, Inc. Outside of his advisory work, he manages a short-term vacation rental in his local area. 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.