Thaddeus Phelps is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Advance Wealth Management Service, LLC since 2019 and previously spent 14 years with Ameriprise Financial Services, Inc. In addition to his advisory work, Phelps owns a tax preparation business and an accounting support service, and he serves in fiduciary roles such as trustee and executor. Advance Wealth Management Service, LLC provides investment advisory and financial planning services primarily to individuals, high-net-worth clients, trusts, estates, and business entities. The firm offers discretionary investment management through a wrap asset management program and emphasizes an individualized approach with asset allocation supported by fundamental, sector, and technical analysis, including risk management strategies such as put options and conservative cash instruments.

Adam Laakko is a financial advisor at SkySail Wealth Management LLC with 15 years of industry experience. He holds a Series 66 designation and has previously worked at MetLife Securities Inc, Massachusetts Mutual Life Insurance Company, and MassMutual MidMichigan. Laakko also maintains a registered representative role to service clients with variable annuities, mutual funds, 529 plans, and brokerage accounts. SkySail Wealth Management provides discretionary portfolio management and investment advisory services primarily to individual and high-net-worth clients, using a variety of analytical methods and implementing both long- and short-term trading strategies. The firm requires clients to custody assets at Schwab Institutional and offers participant account management through a third-party platform.

Jerome Matecun is a financial advisor at Compound Value Advisers, LLC in Sparta, MI, holding a Series 65 designation with 16 years of industry experience. He previously worked at Exit Strategies Group Inc. from 2013 to 2019 and has been with Compound Value Advisers since 2013. Compound Value Advisers provides investment advisory and financial planning services to individuals, high-net-worth clients, business owners, trusts, estates, and corporate plan sponsors. The firm manages approximately $24.8 million across a small number of client accounts, employing a strategic asset allocation framework with diversified low-cost index funds and ETFs, discretionary portfolio management, and additional services including business valuations and retirement plan advisory.

Robert Boylen is the sole advisor at Robert Charles Capital Management in Grand Rapids, MI, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has been with Robert Charles Capital Management since 2016. Robert Charles Capital Management provides discretionary portfolio management, financial planning, and consulting services primarily to individual clients across various wealth levels, as well as charitable, corporate, pension/profit-sharing plans, and pooled investment vehicles. The firm uses a process combining fundamental, technical, and qualitative analysis to manage accounts on a discretionary basis, employing individual securities or ETFs/index funds depending on account size, and also sponsors a private pooled investment vehicle focused on early-stage preferred equity investments.

Christopher Villaire is the sole advisor at Villaire Financial, LLC in Grand Rapids, MI. He holds a Series 65 designation and has four years of industry experience, including prior work at Tina's Catering, Inc. and ongoing studies since 2012. Villaire Financial, LLC provides discretionary portfolio management and financial planning services to individuals, high-net-worth individuals, and business owners. The firm employs a combination of cyclical, fundamental, modern portfolio theory, and quantitative analysis, generally using a long-term trading approach with documented risk tolerance and regular rebalancing.

James Vermeulen is the sole advisor at Vermeulen Capital Management in Grand Rapids, MI, holding a Series 65 designation with 15 years of industry experience. He has operated Vermeulen Capital Management since 1993. Vermeulen Capital Management provides discretionary investment supervision and non-discretionary consultation on a fee-only basis to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, and charitable institutions. The firm employs a combination of fundamental and technical analysis and offers tailored portfolio oversight with strategies ranging from long-term buy-and-hold to shorter-term trading.

Steffanie Osborn is a financial advisor at First Dollar Saved LLC with three years of industry experience. She holds a Series 65 designation and has worked at First Dollar Saved since 2023. The firm provides fee-only financial planning and investment advisory services primarily to individual investors early in their careers or new to investing. First Dollar Saved emphasizes passive, low-cost index funds and ETFs, offering a la carte services that include written investment plans, retirement plan reviews, and brief consultative sessions, while guiding clients through implementation without taking custody of assets.

Tyler Howe is a Series 65-licensed financial advisor with Clarity Wealth Management LLC in Grand Rapids, MI. He has over a decade of industry experience, including eight years at O'Neill Asset Management and four years at Clarity Wealth Management. Outside of his advisory work, he is an independent life insurance agent and also works as a food delivery contractor through multiple platforms. Clarity Wealth Management LLC provides portfolio management services to individual and corporate clients, emphasizing fundamental analysis and long-term investing primarily through mutual funds and ETFs. The firm offers discretionary account management and may refer clients to third-party advisers, maintaining ongoing oversight of those relationships.

Andrew Jakubowski is the sole advisor at Adestella Investment Management LLC in Grand Rapids, MI. He holds a Series 65 designation and has 11 years of experience, all with Adestella. Adestella provides discretionary portfolio management primarily for high-net-worth individuals, families, trusts, foundations, endowments, private funds, and other investment advisers. The firm uses a long-biased, value-driven approach focused on independent research and concentrated security selection, managing portfolios with flexible authority across multiple asset types including equities, ETFs, options, and derivatives.

I was a college professor for many years and now I teach fellow professors how to manage their finances with confidence. I teach early-career professors how to create an effective financial plan and teach seasoned professors how to adjust their plans as retirement approaches. As a professor, I prepare for the first day of class. As a money mentor, I help professors prepare for their first day of retirement. As a professor, I help students develop an academic plan to meet their career goals. As a money mentor, I help professors develop a financial plan to achieve their life goals. Unlike most financial professionals, I work with you as a fee-only fiduciary planner. This means I am paid directly by you for objective advice without sales commissions, hidden fees, or conflicts of interests. My earliest money memory is saving my allowance and birthday money to pay for a toy when I was seven years old. I went to the sales counter with my piggy bank and dumped out coins and crumpled dollar bills. To this day, I value the ability to save for future goals. And yes, I still own the ceramic piggy bank! Investments are important, but so are income taxes, insurance, education funding, daily spending habits, estate planning and our relationship with money. I look forward to helping you achieve clarity and confidence with all aspects of a comprehensive financial plan.

Steven Underriter is a financial advisor at Freedom Financial Planning Solutions, LLC, holding a Series 65 designation with eight years of industry experience. He has worked part-time as an administrative employee and 5% owner at Capitol Defense Consulting, LLC since 2013 and provides subject matter expertise on Navy aircraft programs at Systems Planning & Analysis, Inc. since 2020. Freedom Financial Planning Solutions offers financial planning and portfolio management services to individual clients, employer plan sponsors, charitable organizations, and small businesses. The firm primarily uses passive investment strategies with diversified funds and ETFs, while also providing tailored models and oversight of outside managers, along with ancillary services such as personal tax preparation and student loan analysis.

Craig Ackermann is a CFP® with 25 years of experience in financial advisory services. He is currently with Stewardship Trust Advisors and has held roles at several related firms, including Stewardship Estate Planning, Stewardship Advisory Group, and Ackerman Financial. Ackermann is also a licensed insurance agent offering insurance services alongside his advisory work. Stewardship Trust Advisors serves individuals, retirement plans, businesses, charitable organizations, trusts, and banks with asset management, financial planning, and fiduciary services. The firm employs a fundamental, long-term investment approach while allowing opportunistic short-term trades and utilizes third-party managers and block trade allocations when appropriate.

Kurt Holzhueter is a financial advisor with Clearview Investments, LLC, holding a Series 65 designation and 15 years of industry experience. He has been with Clearview Financial since 2010 and also works as a high school teacher. ClearView Investments serves a diverse client base, including high-net-worth individuals and institutional clients, offering personalized investment advisory and financial planning services. The firm primarily uses passive investment management with diversified portfolios and incorporates fundamental and technical analysis, managing accounts on a discretionary basis with quarterly reviews aligned to client objectives.

Kyle Kelley is a financial advisor at Family Capital Management with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Purshe Kaplan Sterling Investments and Osaic Wealth, Inc. Kyle also provides insurance advice tailored to client needs. Family Capital Management offers discretionary portfolio management and modular financial consulting to individuals, trusts, estates, charitable organizations, and business entities. The firm combines fundamental and technical analysis with both long- and short-term trading, using a broad range of investment vehicles and providing wealth-planning advice across multiple areas.

Aaron Stine is a financial advisor at LUMINIST Capital, LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms including Advisory Advocates LLC and Michigan Financial Companies. Outside of advisory work, he is the owner of Manly Work, LLC, a residential construction business, and is involved in project management through TS Contracting. LUMINIST Capital provides discretionary portfolio management and financial planning to individuals, trusts, estates, and business entities. The firm manages approximately $140.7 million across 742 client relationships, offering model-based and customized ETF-focused portfolios alongside tailored financial planning and consulting.

Zachary Smith is a financial advisor at Kroon & Mitchell Asset Management LLC in Grand Rapids, MI, holding Series 63 and Series 65 licenses with one year of industry experience. He previously worked at JP Morgan Chase Bank and J.P. Morgan Securities LLC. Kroon & Mitchell Asset Management provides discretionary portfolio management, pension and retirement-plan consulting, and financial planning services to individuals, pension and profit-sharing plans, and business entities. The firm emphasizes client-specific Investment Policy Statements, a long-term buy-and-hold investment approach, and manages assets internally with regular monitoring and monthly reviews.

Amanda Campbell is a financial advisor at Ellija Capital Management, LLC with three years of industry experience. She holds a Series 65 license and has been with Ellija Capital Management since 2022. In addition to her advisory role, she is licensed to conduct insurance sales. Ellija Capital Management is a state-registered investment adviser managing approximately $57 million in discretionary assets. The firm serves individuals, business owners, high-net-worth clients, trusts, estates, retirement plans, and charitable organizations, offering customized asset allocation and a long-term, diversified investment approach.

Christopher Tanke is a financial advisor with Strategic Financial Group, L.L.C. He holds Series 63 and Series 65 licenses and has 20 years of industry experience. His prior work includes 14 years at USA Financial Securities Corporation. Strategic Financial Group serves individual and high-net-worth clients with portfolio management and comprehensive financial planning, using tailored investment programs and a proprietary seven-pillar “Sequential FORMula” framework. The firm combines fundamental analysis, modern portfolio theory, and technical analysis, often employing third-party managers for separate management.

Jacob Randall is a CFP® professional with six years of experience at Family Capital Management in Grand Rapids, MI. He has been with the firm since 2020, beginning his career directly after college. Family Capital Management provides discretionary portfolio management and modular financial consulting for individuals, trusts, estates, charitable organizations, and business entities. The firm integrates wealth-planning advice with investment management, using both fundamental and technical analysis to guide allocations across a range of asset types, while offering clients ongoing account monitoring and consolidated digital access to their financial information.

Edward Perry is a financial advisor at LifePoint Planning with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including Advize Wealth Management, WealthSource Partners, and Waddell & Reed. In addition to his advisory role, he is a licensed insurance professional and may receive commissions from insurance product sales separate from his work at LifePoint Planning. LifePoint Planning serves individual and high-net-worth clients, corporations, and retirement plan sponsors by providing investment management, financial planning, and retirement plan consulting. The firm utilizes asset-allocation-driven portfolios based on Modern Portfolio Theory, combining passive index and active quantitative strategies, and employs third-party digital platforms such as Betterment and Altruist.