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.

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 at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has worked with multiple firms including Consumers Credit Union and Daus Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, credit unions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by model portfolios, research, and technology-driven investment solutions.

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.

John Buetow is a financial advisor with Cambridge Investment Research Advisors in Kalamazoo, MI, holding Series 63 and Series 66 credentials and bringing 44 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entity since 2009. Beyond his advisory role, Buetow serves as president of Zion Lutheran Church in Kalamazoo. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm operates through a network of independent Financial Professionals, offering both proprietary and third-party investment strategies across various custody and platform arrangements.

Neal Miedema is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, Miedema serves as Secretary on the Board of Directors for the Stony Lake Property Owners Association and is involved in local business ownership and real estate activities. Ameriprise is an institutional firm offering retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Daniel Liehr is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the board of directors for the Girl Scouts Heart of Michigan and the South Haven Community Foundation. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research-driven, algorithm-assisted recommendations with personalized advice, offering a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Timothy Andrus is a financial advisor at Edward Jones in Otsego, Michigan, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices, offering a range of advisory programs, tax-efficient services, and affiliated investment products under a fiduciary standard.

Clifford Mulder is a financial advisor with Raymond James & Associates in Portage, MI, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Raymond James & Associates since 2005. Mulder serves as Chair of the Board for the AirZoo Legacy Foundation, a nonprofit supporting the AirZoo Aviation and History Museum, overseeing an $80 million endowment. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary solutions, employing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Harry Mcgowan IV is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Woodbury Financial Services and Questar Asset Management before joining OSAIC. Outside of his advisory role, he serves as president of Retirement Solutions of Michigan, a non-investment-related LLC. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios across multiple asset classes, with both discretionary and non-discretionary management options.

Blane Heisler is a CFP® with 10 years of experience in the financial industry, currently serving as an advisor at Raymond James & Associates. His career includes roles at Diversified Financial Advisors, Harbour Investments, and Jackson National Life Distributors. Heisler has also worked outside finance for Door Dash and served at Olivet College. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions.