Lucas Mansberger is a CFP® and CFA® affiliated with Breakwater Capital, with four years of industry experience. He previously worked at Greenleaf Trust for seven years before joining Breakwater Capital in 2022. Breakwater Capital serves individuals, high-net-worth clients, families, small businesses, and nonprofit organizations, providing comprehensive financial planning and discretionary investment management. The firm emphasizes asset-class analysis and fundamental research, incorporates options strategies alongside mutual funds and ETFs, and performs regular portfolio reviews for ongoing accounts.

Ross Pollard is a CFP® with 15 years of industry experience, currently serving as an advisor at Breakwater Capital since 2015. He has prior experience with IDS Life Insurance Company and American Express Financial Advisors, both since 2001. Breakwater Capital is a small, owner-operated firm that provides comprehensive financial planning and discretionary portfolio management to individuals, families, small businesses, and nonprofit organizations. The firm emphasizes individualized portfolio construction using Monte Carlo analysis and fundamental research, with investment strategies that include mutual funds, ETFs, and selective options use, alongside integrated financial planning.

Kevin Miller is a CFP® professional with 15 years of industry experience, currently serving at TruNorth Capital Management, LLC since 2019. Prior to joining TruNorth, he worked for 14 years at Plante Moran financial advisors. In addition to his advisory role, Miller teaches CPA continuing education courses for Surgent CPE as an independent contractor. TruNorth Capital Management is a fee-only, fiduciary Registered Investment Adviser that provides discretionary investment management and financial planning services to individuals, families, corporations, and retirement plans. The firm emphasizes low-cost, broadly diversified portfolios using ETFs and mutual funds with tactical asset allocation and periodic rebalancing.

Morgan Hunt is an investment advisor representative at Fairway Investment Group, LLC with two years of industry experience. He holds a Series 66 credential and previously worked in education, including seven years at Martin Public Schools. Hunt is also involved with MEA Financial Services as a financial representative. Fairway Investment Group primarily serves members of the Michigan Education Association and their families, along with individual clients, trusts, estates, and select businesses. The firm offers fee-based investment advisory and portfolio management services through LPL Financial–sponsored programs, delivering advice on a predominantly non-discretionary basis and tailoring recommendations to client objectives.

Jean Claude Morisset is a financial advisor at TruNorth Capital Management, LLC with eight years of industry experience. He holds the Series 65 credential and previously worked at Plante Moran Financial Advisors from 2014 to 2022. Morisset has been with TruNorth Capital Management since 2022. TruNorth Capital Management is a fee-only, SEC-registered advisory firm that provides discretionary investment management and financial planning services to individuals, high-net-worth families, family offices, corporations, and employer-sponsored retirement plans. The firm employs low-cost, diversified strategies using ETFs, mutual funds, bonds, and CDs, with tactical asset allocation and periodic rebalancing.

Brian Mullally is a financial advisor at TruNorth Capital Management, LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at TruNorth since 2012. Outside of advisory work, he is involved in commercial real estate development and management through multiple entities, including Innovo Property Management and related ventures. TruNorth Capital Management is a fee-only, fiduciary Registered Investment Adviser serving individuals, families, family offices, corporations, charitable foundations, and retirement plans. The firm focuses on low-cost, broadly diversified portfolios using ETFs, mutual funds, bonds, and cash equivalents, managing client accounts on a discretionary basis with an emphasis on transparency and regular client communications.

Jeremy Heavey is a financial advisor with M Holdings Securities, Inc. based in Kalamazoo, MI. He holds a Series 65 designation and has four years of industry experience. Prior to joining Rose Street Advisors in 2021, he spent ten years at gracespring Bible Church. He also volunteers providing guidance and coaching to the nonprofit organization Edge Community, Inc. M Holdings Securities, Inc. serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through a nationwide network of independent firms and financial professionals. The firm offers a range of advisory and brokerage services, combining discretionary and non-discretionary investment management with retirement consulting and insurance advisory solutions.

Rebecca Artz is a financial advisor at Harbour Investments, Inc. with seven years of industry experience. She holds a Series 66 designation and has worked at Harbour since 2019. In addition to her advisory role, she is an independent insurance agent, which includes activities related to equity-indexed annuities. Harbour Investments provides investment advisory and financial planning services to a diverse client base, utilizing a combination of fundamental and technical analysis to build customized strategies across various asset classes.

Scott Higgins is a CFP® professional with 25 years of industry experience, currently affiliated with M HOLDINGS SECURITIES, Inc. and Rose Street Advisors since 2012. He serves on the finance committee of Kalamazoo Neighborhood Housing Services. M HOLDINGS SECURITIES, Inc. operates as both an SEC-registered investment adviser and a FINRA-member broker-dealer, providing a broad range of advisory and brokerage services to individuals, retirement plans, charitable organizations, and businesses through a nationwide network of independent firms and financial professionals.

Corby Kiss is a financial advisor at Harbour Investments, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Harbour Investments since 2006. Prior to and during his time at Harbour, he was also affiliated with Raba and has operated Kiss Financial Services and been involved with Amway Quixstar. Outside of his advisory role, he serves as a FINRA arbitrator and provides pre-paid legal services and identity protection. Harbour Investments offers investment advisory and financial planning services to a diverse client base, including individuals, charitable and corporate clients, retirement plans, and other financial advisors. The firm utilizes a combination of fundamental and technical analysis to create customized investment strategies across various asset classes and provides both discretionary and non-discretionary portfolio management.

Zachary Saltzgaber is a financial advisor at M HOLDINGS SECURITIES, Inc. with one year of industry experience. He holds the Series 66 designation. His prior work includes roles at Ernst & Young and Byron Center Public Schools. M HOLDINGS SECURITIES, Inc. serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations through a nationwide network of independent firms and financial professionals. The firm offers a range of advisory and brokerage services, including discretionary and non-discretionary investment management, retirement plan consulting, and financial planning, supported by platform providers and a combination of in-house portfolio management and third-party sub-advisors.

Julia Sanders is a financial advisor with M HOLDINGS SECURITIES, Inc., holding a Series 65 credential and four years of industry experience. She has previously worked at Gasaway Investment Advisors, Inc. and held roles in education at Davenport University and Kalamazoo Valley Community College. M HOLDINGS SECURITIES, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other entities through a nationwide network of independent firms and professionals. The firm offers a broad mix of advisory and brokerage services, including investment management, retirement plan consulting, financial planning, and insurance advisory, utilizing both in-house portfolio managers and third-party sub-advisors.

Cory Shaver is a financial advisor at M HOLDINGS SECURITIES, Inc. with four years of industry experience. He holds a Series 65 designation and has worked at Rose Street Advisors and Summit Pointe. Cory’s background also includes a role at Western Michigan University. M HOLDINGS SECURITIES, Inc. serves a diverse client base including individuals, retirement plans, and charitable organizations through a network of independent firms. The firm offers a range of advisory and brokerage services, combining investment management with retirement plan consulting and insurance advisory, supported by both in-house portfolio managers and third-party sub-advisors.

Todd Carless is a financial advisor with Harbour Investments, Inc. in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Harbour Investments since 1994 and was also associated with Burnham & Flower Financial Inc. and Burnham & Flower Agency for over two decades. In addition to his advisory role, Carless is an independent insurance agent specializing in equity indexed annuities. Harbour Investments serves a diverse client base including individuals, trusts, pension and 401(k) plans, and institutional entities, offering portfolio management, financial planning, and a variety of investment platforms. The firm employs a range of investment strategies through individual advisors and approved third-party managers, with ongoing account monitoring and multiple execution options.

John Mc Caffrey is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and four years of industry experience. His prior experience includes roles at Northwestern Mutual and Charles Schwab. Outside of finance, he is involved in insurance brokerage focusing on life insurance products and is a partner in a home cleaning business serving residential and property management clients. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs and financial planning. The firm operates both as an SEC-registered adviser and FINRA-member broker-dealer, offering a range of investment management and brokerage services.

Faith Lamere Richards is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 65 licenses and having one year of industry experience. Her prior work includes roles at Fifth Third Bank and Good Earth Cafe. FIFTH THIRD SECURITIES, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a range of clients, including individuals, charitable organizations, and institutional investors. The firm combines municipal-advisor registration with corporate affiliation to Fifth Third Bank and provides multiple discretionary managed-account options along with features such as direct indexing and tax-overlay services.

Steven Tibbitts is a CFP® professional with 32 years of industry experience, currently serving clients through Commonwealth Financial Network and his own firm, Tibbitts Financial Consulting, both since 2005. He is based in Allegan, Michigan, and holds a Series 63 license. Outside of his advisory work, Tibbitts is a board member of the City of Allegan Brownfield Redevelopment Authority. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including model portfolios and customized wealth management solutions, while delivering operational, compliance, and practice-management support to affiliated advisors.

Antwan Ward is a financial advisor with Fifth Third Securities, Inc. in Kalamazoo, MI, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Fifth Third Securities since 2018 and has worked at Fifth Third Bank since 2011. Outside of his advisory role, he is an owner of LionLync LLC, a holding company. Fifth Third Securities 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 options and features such as direct indexing and a tax-overlay service, supported by its affiliation with Fifth Third Bank and partnerships with National Financial Services and Fidelity Institutional Wealth Adviser.

Samuel Grusin is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. He holds the Series 65 and Series 63 designations. Prior to joining Fifth Third Securities, he worked at Fifth Third Bank for six years. Fifth Third Securities serves a diverse clientele including individuals, high-net-worth clients, institutions, corporations, trusts, and retirement accounts through investment advisory and brokerage services. The firm offers multiple program types on the Passageway Managed Account platform, allowing clients to choose from a range of managed portfolios and tax-efficient strategies.

Kelly Liebbe is a financial advisor with Fifth Third Securities, Inc. in Allegan, Michigan, holding a Series 66 designation and 17 years of industry experience. Kelly has been with Fifth Third Securities since 2011. Outside of financial advising, Kelly is involved in photography, operates an online merchandise business, and has experience as a beauty product sales consultant. Fifth Third Securities provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and combines third-party portfolio managers with advisor-managed options, featuring services such as direct indexing and tax-overlay strategies.