Ryan Mccallum

I started Watershed Wealth to build the kind of financial advisory firm I wished existed in my rural community —forward thinking, transparent, and built specifically for retirement in Northern Michigan. I’m a CERTIFIED FINANCIAL PLANNER™ with a degree in Finance from Grand Valley State, and more than seven years of hands-on experience across the industry. In 2023, I made the leap and launched Watershed Wealth right here in my hometown of Alpena, Michigan. Since then, my mission’s been pretty simple: help people make smart decisions with their money. When I’m not meeting with clients, I stay involved in the community through several board positions focused on community betterment, economic growth, and quality of life in Northern Michigan. I’m also a big believer in collaboration and love working with other local leaders, business owners, and creatives who care about where our community is headed. After hours, you’ll usually find me outdoors, sneaking in nine holes, or spending time with my wife Abby, our son Stanley, and our two golden retrievers, Peach & Goose. This isn’t just a job for me. It’s personal. And my goal—always—is to help people feel less stressed, more confident, and more in control of their retirement.

Cameron Bernicki is a financial advisor at LPL Enterprise with three years of industry experience. He holds the Series 63 and Series 65 credentials. Prior to joining LPL Enterprise, he worked at Thrivent Financial and Thrivent Investment Management Inc. Bernicki is also involved in coaching local hockey teams, including the Alpena High School Junior Varsity Hockey Team and Alpena 45ers. LPL Enterprise provides advisory services through a large network of investment adviser representatives to a diverse client base, offering financial planning, access to model wealth portfolios, and third-party asset management programs. The firm serves individuals, retirement plans, charitable organizations, and corporate clients.

Philip Straley is a financial advisor with LPL Financial, holding the PFS™ and Series 66 designations and bringing 26 years of industry experience. His prior roles include long tenures at 1st Global Advisors, Inc. and 1st Global Capital Corp., as well as experience at Avantax Advisory Services. He is also involved in tax preparation and accounting through Straley, Lamp & Kraenzlein, P.C. in Alpena, MI. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan participants, institutions, and high-net-worth households. The firm offers a wide range of investment delivery options supported by an in-house research team and combines advisory operations with non-advisory product offerings such as insurance and lending services.