Clifford Mulder is a financial advisor with Raymond James & Associates in Portage, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James & Associates since 2016. Outside of his advisory role, Mulder serves as the volunteer Chair of the Board for the AirZoo Legacy Foundation, a nonprofit supporting the AirZoo Kalamazoo Aviation and History Museum. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning and investment consulting through various tailored, non-discretionary services.

Harry Mcgowan IV is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, Questar Capital Corporation, and Concourse Financial Group Securities, Inc. Outside of his advisory role, Mcgowan is president of Retirement Solutions of Michigan and a general partner at Reed Mcgowan LLC. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and third-party money managers to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

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.

Patti Lent is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Portage, MI, and has 21 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser capabilities, delivering recommendations on a non-discretionary basis.

Aaron Hollister is a financial advisor with LPL Financial in Plainwell, MI, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior experience includes roles at Raymond James & Associates, Discounted Hunts LLC, Waddell & Reed, and Morgan Stanley. Outside of his advisory work, he is also involved in a vending machine business through Hollister Concessions LLC and holds a notary commission. 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 financial planning and investment management services supported by extensive resources, including model portfolios, third-party asset managers, and institutional platforms.

Stacy Caudill is a financial advisor with Raymond James & Associates in Portage, MI, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Raymond James since 2016. Caudill serves as Treasurer on the board of the Kalamazoo Civic Theatre Foundation, overseeing its endowment fund. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm provides financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

William Brennan is a financial advisor with Wells Fargo Clearing in Kalamazoo, MI, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment management options.

Robert Tighe III is a financial advisor with Morgan Stanley in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His career includes roles at Citigroup Global Markets since 2005 and Morgan Stanley since 2009, including Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, emphasizing tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services, including estate strategies and corporate financial planning agreements.

Paul Seals Jr. is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to create personalized plans, primarily for clients with assets held in Ameriprise-managed accounts.

Robert Gerren is a financial advisor with Primerica Advisors holding a Series 66 credential and one year of industry experience. His prior work includes roles at Bankers Life Securities, Primerica Financial Services, and DoorDash, where he also works as a Dasher on a part-time basis. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services primarily through model-based portfolio strategies managed by third parties.

Christopher Merrill is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 15 years of industry experience. He previously worked at Fifth Third Securities for nine years. Merrill is involved in managing an advisory business through OKL LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Jordan Mucci is a financial advisor with Morgan Stanley in Kalamazoo, MI, holding a Series 66 designation and six years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2019. Prior to that, he worked at Quicken Loans Inc. and attended the University of Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations as part of standalone planning.

Earle Martin Jr. is a financial advisor with Primerica Advisors in Portage, MI, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2013 and also operates under the Drake Financial Group name for sales of investment-related products and other home-related services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients within a wrap-fee structure.

Matthew Kleczynski is a financial advisor with Cambridge Investment Research Advisors in Kalamazoo, MI, holding a Series 66 designation and 16 years of industry experience. He previously worked at Securities Service Network, Inc. before joining Cambridge in 2020. Kleczynski is also the owner of Cornerstone Financial Advisory Corporation, an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing proprietary and third-party model strategies across various platform arrangements.

Ryan Alkhamis is a CFP® professional with eight years of industry experience, currently affiliated with LPL Financial in Portage, Michigan. He previously operated Alkhamis Financial and worked at Western Michigan University. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Randy Bettich is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Stifel Nicolaus & Co., Inc., Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Bettich serves on the boards of the LMC Foundation and the Humane Society of Southwestern Michigan and is involved with the Rotary Club of St. Joseph-Benton Harbor, where he co-chairs an annual high school track meet. Morgan Stanley Wealth Management offers a variety of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Trammell Lindstrom is a financial advisor at Ameriprise in Portage, MI, holding a Series 66 license with one year of industry experience. His work history includes roles at Ameriprise since 2022, as well as positions in education and athletics, including Spring Arbor University and Dave Clark's Baseball Facility. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and a structured recommendation process.

Luke Johnson is a CFP® and Series 66 licensed financial advisor with Edward Jones in Portage, MI, and has eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Life Action Ministries for eight 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 through a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and other financial services.

Noah Marckwardt is a financial advisor with J.P. Morgan Securities in Portage, MI, holding a Series 66 designation and two years of industry experience. He previously worked at Mosaic Wealth Management and Vos Glass, LLC, and is also the owner of Adventure More, LLC, a non-investment business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment approach.

Gregory Seiler is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Stifel since 2017. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is involved in community and nonprofit activities, including serving on the finance committee of a music-focused nonprofit and acting as president of a condominium association board. Stifel serves a broad range of clients—individuals, institutional clients, and charitable organizations—offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.