Keith Platte is a financial advisor with OSAIC based in Kalamazoo, MI. He holds a Series 66 designation and has one year of industry experience, previously working at HFG Financial Group. Outside of his advisory role, he serves as president of a local condominium association and works as a tax preparer. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage, advisory services, and access to third-party money managers and wrap programs. The firm uses multiple investment tools and platforms to construct diversified portfolios tailored to clients’ risk tolerance and preferences.

Ryan Hekman is a Wealth Management Advisor at Merrill Lynch Wealth Management and a founding partner of the Hekman & VanderStraaten Group. He has been in the financial services industry since 1994 and joined Merrill Lynch in 1999. Ryan works alongside fellow advisors and client associates to provide comprehensive wealth planning services aimed at helping individuals, families, and businesses meet their financial goals through personalized strategies and portfolio construction. Ryan's expertise spans a range of client focus areas including divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, legacy planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, and retirement income. He holds a bachelor's degree in Finance from Western Michigan University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional endeavors, Ryan serves on the board of the Grandville Walker Foundation. He lives in Grandville with his five children and enjoys spending time with family, playing basketball, biking, boating, cooking, golfing, traveling, and watching sports.

Mark Hiegel is a financial advisor with Equitable Advisors in Grand Rapids, MI, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Axa Advisors, LLC from 2007 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Darlene Hybels is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. She has been with Raymond James & Associates since 1999. Outside of her advisory role, she serves on the Finance/Investment Committee of the YWCA of Kalamazoo, where she reviews investment and spending policies for endowed funds. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipalities, offering financial planning and consulting with a variety of portfolio management styles supported by affiliated research and sub-advisers.

David Mabis is a Series 66-credentialed financial advisor with 11 years of industry experience, currently with Ameriprise since 2020. His prior roles include positions at Ameriprise Financial Services, Tamarron Community Association, and Waddell & Reed Inc. He serves on the Board of Directors and is President of the Gull Lake Area Rotary Club. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools overseen by a dedicated team to deliver personalized retirement planning within its institutional framework.

Matthew Weaver is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Empower, Mercantile Bank, Kalsee Credit Union, and Huntington National Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Frederick Freihofer is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tristen Mabin is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on legacy planning, managing new wealth, and supporting women and wealth clients. Tristen brings a unique perspective to her role, combining her background in teaching and finance to educate and coach clients toward achieving their financial goals. She holds a Bachelor's Degree from Kalamazoo College, where she studied Mathematics and Spanish. Tristen is a Personal Investment Advisor (PIA) and is fluent in both English and Spanish. Her career path includes living in Ecuador and New Orleans, experiences that enriched her commitment to serving others through volunteer opportunities. Tristen is involved in community service through AmeriCorps and pursues personal interests such as biking, horseback riding, music, reading, and traveling.

Michael Baer is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill for 22 years and currently works with clients and their families to help achieve their financial goals by developing personalized financial strategies. His approach focuses on understanding the full financial picture of each client and creating flexible strategies aligned with their priorities. Michael specializes in retirement planning and analysis, cash management strategies, and Employee Stock Options. His client services include executive compensation, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance with a minor in Economics from Western Michigan University. Additionally, he has earned the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Michael participates in community volunteering and enjoys biking, boating, hiking, and spending time with his family.

Justin Peterman is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding a Series 66 designation and 13 years of industry experience. He previously worked for Edward Jones for 10 years before joining Raymond James in 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Joshua Etheridge is a financial advisor with Wells Fargo Clearing in Portage, MI, holding a Series 66 designation and 11 years of experience at the firm. He is the president and majority owner of Two Dot Marketing, LLC, a marketing and web design business based in Battle Creek, MI. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Timothy Rogowski is a financial advisor at Equitable Advisors with 43 years of industry experience. He holds Series 63 and Series 65 designations and previously spent 19 years at Stifel Independent Advisors, LLC. Outside of his advisory role, he owns Wings Financial Group, a financial consulting business. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and emphasizes working through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Sean Budlong is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones for 10 years. Outside of his advisory role, he is CEO of BW Majestic Financial LLC, operating under the Majestic Financial DBA, and is a partner in a real estate investment LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports various advisory programs, including municipal and public finance services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Janene Pirbhai is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her financial services career in 1991 and has focused on integrating wealth management with portfolio management throughout her professional journey. Janene works alongside a team of culturally diverse investment professionals dedicated to helping clients achieve their financial goals by utilizing comprehensive strategies that combine portfolio management, planning, and resources available through Merrill Lynch and Bank of America. She holds the CERTIFIED FINANCIAL PLANNER (CFP) certification obtained in 2003 and the Certified Investment Management Analyst (CIMA) designation earned in 2004. Janene earned her Bachelor's Degree from Western Michigan University. Her client focus areas include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Outside of her professional work, Janene, along with her husband Erfan, lives in Kalamazoo, Michigan. They have raised three children and are involved in various community organizations including the American Heart Association, Girl Scouts Heart of Michigan, Inner City Youth for Change, Love & JENGA, and Merze Tate Explorers. Janene enjoys hiking, photography, spending time with family, and traveling, and has led numerous hiking expeditions to Kilimanjaro.

Tara Nulty is a Senior Resident Director specializing in wealth management with over 10 years of direct experience in the field and 17 years in the financial services industry. She focuses on areas including family wealth management strategies, legacy planning, retirement income, philanthropic planning, and LGBT wealth planning. Tara works closely with clients to develop personalized financial strategies aimed at pursuing long-term goals amid changing market conditions. Before her current role, Tara held positions such as Executive Assistant to the Banc of America Global Head of Mergers & Acquisitions, Senior Management Team member at Barclays, and Analyst in Barclays Wealth Management. She holds a Bachelor's Degree from Boston College and is a Personal Investment Advisor (PIA) by professional designation. Tara participates actively in community organizations including the Elizabeth Upjohn Community Healing Center, South Haven Yacht Club, and Western Michigan University Theatre Guild. Her personal interests include boating, fishing, golfing, music, painting, scuba diving, sewing, singing, travel, and spending time with her family.

Amanda Bloomfield is a Series 66-licensed financial advisor with Raymond James & Associates in Kalamazoo, MI, where she has worked for 11 years. She has spent her entire industry career at Raymond James & Associates. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Jason Reed is a CFP® professional with 17 years of experience in financial advising, currently practicing at Ameriprise in Kalamazoo, MI. He has been with Ameriprise and its affiliated entities since 2008. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement who meet specific asset thresholds, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized planning through a centralized consulting team.

Samuel Anderson is a financial advisor with Wells Fargo Clearing located in Portage, Michigan. He holds a Series 66 designation and has approximately one year of industry experience. Prior to joining Wells Fargo Clearing, he worked at Terril & Company and has a background that includes four years at the University of Michigan - Ann Arbor and six years with Portage Public Schools. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Barbara Hammond is a Series 66 credentialed financial advisor with Edward Jones in Kalamazoo, MI, and has 10 years of industry experience. She has been with Edward Jones since 2016 and previously worked at Beachbody from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and is notable for its extensive retail advisor network and affiliated financial services.

Joseph De Luca is a financial advisor with OSAIC based in Kalamazoo, MI, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. His prior work includes extended tenures at Securities America Advisors and related entities, as well as brief periods with The Prudential Insurance Company of America and Pruco Securities. OSAIC serves a diverse client base ranging from individual investors to large institutions, offering integrated brokerage and advisory services through a wide network of affiliated advisors. The firm employs a variety of asset-allocation and portfolio construction tools, supporting both discretionary and non-discretionary account management across multiple investment strategies.