Steven Tibbitts is a CFP® professional with 33 years of industry experience, currently associated with LPL Financial since 2026. He previously worked at Commonwealth Financial Network for 21 years and has operated Tibbitts Financial Consulting since 2005. He serves as a board member of the City of Allegan Brownfield Redevelopment Authority. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of clients including individuals, retirement participants, banks, and trust companies.

Matthew Ter Avest is a CFP®-credentialed financial advisor at LPL Financial with three years of industry experience. He has held prior roles at Commonwealth Financial Network and Tibbitts Financial Consulting. He is also involved in fixed insurance sales as a secondary business activity. 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 portfolio programs, and institutional platforms, supported by extensive operational and research tools.