Alan Lockwood is a CFP® and holds a Series 66 designation, currently working with Fidelity. He has 13 years of industry experience, including roles at various Fidelity entities and Southern Michigan Bank & Trust. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, employing systematic methodologies and long-term asset allocation benchmarks.

April Lesicki is a financial advisor with Ameriprise in Portage, Michigan, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its related entities since 2001. Lesicki serves on the board of directors for a local organization. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm provides comprehensive advisory, brokerage, and insurance solutions, utilizing research and modeling to deliver tailored, tax-efficient retirement income recommendations.

Sarah Jongeward is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008 and Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emilee Lawrence is a financial advisor with LPL Financial based in Kalamazoo, MI, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her prior roles include positions at CUNA Brokerage Services, CUNA Mutual Group, JP Morgan, and PNC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Farrance is a Series 66 licensed financial advisor with Thrivent Investment Management, based in Kalamazoo, MI, with 10 years of industry experience. He has been with Thrivent Financial and its investment management affiliate since 2016. Farrance serves as a committee member for the Trinity Lutheran Church Endowment Committee, providing insight on the use of endowment funds. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial analyses without discretionary trading authority. The firm combines planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Gregory Hardy is a CFP® with 18 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has been with Cambridge since 2013 and holds additional securities licenses, including Series 63 and Series 66. Outside of his advisory work, Hardy serves on the board of the West Michigan Estate Planning Council and coaches a youth travel baseball team. Cambridge Investment Research Advisors serves both individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and a broad network of financial professionals.

Eric Tiller is a financial advisor with Raymond James Financial, holding a Series 66 designation and 20 years of industry experience. He has worked at various Raymond James entities since 2010 and is also the owner of Tiller Investment Management, LLC, where he provides financial planning and asset management services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary consulting backed by risk profiling and analytical tools and supports both wrap-fee advisory programs and institutional consulting.

Tammy Warnicke is a financial advisor at Stifel with 12 years of industry experience. She holds a Series 66 designation and has worked at firms including The Huntington Investment Company, Kushner & Company, VALIC Financial Advisor, Inc., Kellogg Community Credit Union, LPL Financial, Wells Fargo Clearing, and Merrill. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology that uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Jennifer Curtis is a financial advisor with Ameriprise in Mattawan, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2022, she worked for Lawrence Public Schools for 24 years. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing customized Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning, with a centralized consulting team delivering non-discretionary advice in collaboration with financial advisors.

Gerald Stenstrom is a financial advisor with Primerica Advisors in Portage, MI, holding Series 65 and Series 63 licenses and 26 years of industry experience. He has been with Primerica Advisors since 2000 and has additional work experience with Meijer and the Golf Performance Academy. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports clients with custodial and trade execution services from Pershing.

Stephen Arnest is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His work history includes long-term roles at Primerica Financial Services and PFS Investments Inc, as well as a 23-year tenure at Outfront Media. Outside of advisory services, he is involved in the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a wrap-fee structure, focusing on non-institutional clients rather than pension or profit-sharing plans.

Stephen Mucci is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1994. Mucci serves on the Endowment and Audit Committee of the Kalamazoo Institute of Arts. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with specialized investment and trading activities.

Chad Schut is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera. He has worked at Cetera Advisors LLC since 2013 and Kuipers Insurance and Investments Inc. since 2003. Outside of his advisory role, he serves as an elder at Third Christian Reformed Church in Kalamazoo, MI. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a variety of portfolio management and financial planning services utilizing multiple program structures and investment strategies.

Andrew Sonnevil is a financial advisor with Ameriprise in Lawton, MI, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research-driven recommendations and tax-smart withdrawal strategies delivered through a centralized consulting team.

Kelsey Steele is a Series 66-licensed financial advisor with Edward Jones in Kalamazoo, MI, and has four years of industry experience. Before joining Edward Jones, Steele worked at Konos Inc and served as Head Varsity Tennis Coach at Otsego High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and maintains a large nationwide network of financial advisors and branch offices.

Sabrina Witbeck is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. She has less than one year of experience in financial advising, having previously worked at Charles River Laboratories for 18 years. Outside of advising, she has been involved with The Salvation Army since 2025. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program utilizing model-delivery strategies created by unaffiliated asset managers, supported by custodial services from Pershing and trade execution by BNY Mellon Advisors.

Michael Albrecht is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding Series 65 and Series 63 licenses and having nine years of industry experience. Prior to joining Raymond James in 2021, he worked at various Transamerica entities from 2015 to 2021. 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, and municipal entities, offering financial planning, investment consulting, and municipal advisory services supported by a nationwide adviser network.

Eva Moulton is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 21 years. Outside of her primary role, she provides appointment preparation and client service support to other financial advisors. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm serves clients with at least $1 million in investable assets, providing a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Courtney Dunn is a financial advisor with Morgan Stanley in Kalamazoo, MI, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that leverages firm-approved tools and models to support client strategies.

Markley Drake is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has been with Primerica Advisors since 1987 and operates Drake Financial Group, which conducts investment and related sales activities. Outside of advisory work, he owns Mad & Associates, Inc., a non-investment business based in Portage, Michigan. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.