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.

Jessica Socolovitch is a financial advisor with Wealth Personal, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. She has worked in various roles including as an independent insurance agent and at Bankers Life and its affiliates. Wealth Personal offers financial planning and investment management primarily to individual and high-net-worth clients, focusing on customized asset allocations supported by fundamental, technical, and cyclical investment analysis. The firm operates with a small staff and integrates insurance services alongside its advisory business.

Brian Cannon is a financial advisor at Wealth Personal with 10 years of industry experience. He holds a Series 65 designation and has worked at Financial Planning Consultants Of Northern Michigan, Inc. since 2015. Outside of finance, he owns and operates Advanced Dock Solutions, a dock installation and removal business in Central Lake, Michigan. Wealth Personal is a supported firm serving clients with personalized financial planning and investment advice.

Jonathon Wells is a financial advisor at Financial Transparency with 14 years of industry experience and holds a Series 66 designation. His prior work includes roles at Envision Financial Transparency, LLC and Consulting Services Support Corporation. He also provides consulting and development support for financial software through ProScore, LLC. Financial Transparency offers investment advisory and financial planning services to individuals, families, retirement plans, and businesses, utilizing asset allocation strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis across multiple investment programs.

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.

Matthew Doran is a CFP® with 27 years of industry experience, currently serving as a financial advisor at \u0026Partners since 2023. His prior experience includes roles at Sage Wealth Planning LLC, Sage Consulting of Northern Michigan, and Edward D. Jones & Co., L.P. He is also the owner of Sage Wealth Properties, LLC. \u0026Partners serves a broad mix of individual and institutional clients, offering investment management, financial and tax planning, ERISA 3(21) consulting, retirement-plan participant discretionary management, and brokerage services. The firm employs a variety of investment strategies and third-party managers while providing ongoing monitoring and account reviews.

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.

Thomas Shelder is a CFP® professional with 15 years of industry experience. He has worked at Edward Jones for 12 years before joining &Partners, LLC, where he has been since 2023. Outside of his advisory role, he owns and maintains a rental property business. &Partners serves a diverse client base that includes individuals, institutions, and private businesses. The firm offers investment management, financial and tax planning, and municipal advisory services, utilizing both fundamental and quantitative strategies on discretionary and non-discretionary bases.

Paul Brewer is a financial advisor with UBS Financial Services in Rapid City, MI, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to create tailored financial plans and portfolio management solutions.

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.

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® with 33 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Matthew Knust is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America NA, Merrill, and Central State Bank prior to joining Edward Jones. 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, supported by a large network of financial advisors and branch offices nationwide.

Adrian Chisholm is a financial advisor with Ameriprise in Rapid City, MI, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory role, he works as a dance instructor at Alden Dance Academy, teaching ballet, tap, jazz, and contemporary dance. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

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.

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.