Benjamin Ledvina is a financial advisor with Cambridge Investment Research Advisors and holds the Series 66 designation. He has been with Cambridge since 2025 and has additional experience in construction and labor through ownership of Ledvina Mowers. Prior to his current role, he has worked in various positions including financial services and property maintenance. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing a range of portfolio management options and proprietary as well as third-party strategies.

Kenneth Lampos is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James & Associates since 1999 and also maintains a tenure with Roney & Co. dating back to 1992. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional investors, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles supported by in-house research and affiliated sub‑advisers.

Terrence Park is a Series 66-credentialed financial advisor with 17 years of industry experience. He is currently with Morgan Stanley in Kalamazoo, MI, where he has worked since 2021, and has prior experience at UBS Financial Services and earlier Morgan Stanley engagements. Outside of his advisory role, he was previously the owner and manager of Fix My Ride LLC, a web and mobile application connecting drivers with mechanics, though the business has been inactive since 2020. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and broad investment offerings.

Brice Banfield is a financial advisor at Edward Jones in Kalamazoo, MI, holding the Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Farm Bureau Insurance and held various roles in healthcare and chiropractic services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Patrick Downey is a CFP® professional with 25 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to that, he briefly worked at Wells Fargo Advisors LLC in 2016. He has served on the St. Joseph Catholic Church Parish Council since 2005. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services based on an IPS-driven approach grounded in modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Samantha Phillips is a financial advisor at Raymond James & Associates with one year of industry experience. She holds the Series 66 designation and previously worked at PNC Bank for five years. Phillips serves as a volunteer board member for the YWCA of Kalamazoo, a nonprofit organization supporting victims of abuse and promoting maternal and child health. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets, serving individuals, institutions, and municipalities with a range of financial planning and investment consulting services. The firm offers tailored, non-discretionary planning and draws on diverse portfolio management styles supported by firm research and affiliated sub-advisers.

Zachary Richards is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at CSM Group and Summit Polymers. Outside of his advisory work, he is involved with Bronson Athletic Club in Kalamazoo, MI, where he has worked since 2013 in various roles including service desk and member tours. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

Logan Bullard is a financial advisor with Ameriprise in Richland, MI, holding Series 63 and Series 65 licenses and 20 years of industry experience. His prior roles include positions at Fifth Third Securities, Fifth Third Bank, and Raymond James & Associates Inc. since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, algorithm-assisted recommendations through a centralized consulting team.

Kristyn Powers is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and previously worked at Chemical Bank and Huntington National Bank before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and modeling tools to assist clients.

David Taplin is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 17 years of industry experience. He has worked at Cetera since 2019 and has prior experience with Summit Financial Group and Bankers Life and Casualty Company. Outside of advisory work, he is involved in Medicare supplement insurance sales, tax preparation services, and operates a small farm business. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a multi-manager platform.

Deborah Clark is a financial advisor with OSAIC holding Series 63 and Series 66 credentials and 19 years of industry experience. Her work history includes roles at Woodbury Financial Services Inc. and Invest Financial Corp. She is also involved as a volunteer board member for the River Escape HOA and owns Clearwater Financial Inc., which provides securities, fixed insurance, and tax preparation services. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage, advisory, and retirement plan consulting services. The firm utilizes a range of asset allocation and portfolio management tools and supports multiple advisory platforms and third-party managed-account solutions.

Kimberly Peterson is a CFP® with 18 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Peterson serves on the endowment and investment committee for the YWCA Kalamazoo, reviewing investment advisor recommendations and performance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jason Klein is a financial advisor with Ameriprise in Richland, MI, holding Series 63 and Series 65 credentials and over 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Klein owns and manages several business ventures, including a marketing consulting firm and various real estate and property management entities. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and annual reviews that focus on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

David Rowe is a financial advisor at Edward Jones with four years of industry experience. He holds the Series 66 designation and previously worked for the Kalamazoo County Sheriff's Office for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian James is a financial advisor at Cetera with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including PNC Investments and LPL Financial. His career also includes roles at Honor Credit Union and Personal Wealth Partners, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and third-party money managers.

Joshua Ruggles is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. His prior work includes roles at Consumers Credit Union, CUSO Financial Services, and Eagle Strategies. He is also involved with Consumers Investment Services, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Suzan Horvatinovich is a financial advisor with Wells Fargo Clearing in Battle Creek, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related products and bank deposit sweep options.

Matthew Kokinis is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2017, following a thirteen-year tenure at PNC Financial Services. Morgan Stanley Wealth Management provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and modeling tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

Kristina Loney is a financial advisor at Edward Jones with 21 years of experience at the firm. She holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various types of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

John Buetow is a financial advisor at Cambridge Investment Research Advisors with 45 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Cambridge since 2009, following a prior role at Mainstreet Financial Advisors. Outside of his advisory work, Buetow serves as president of Zion Lutheran Church in Kalamazoo, MI. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various portfolio management strategies and platform arrangements tailored to client objectives.