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.

Kendra Omans is a financial advisor at Raymond James Financial with two years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Edward Jones and Chemical Bank and Trust. Outside of advising, Kendra is involved with Majestic Financial, a support company, and owns a property listed on Airbnb. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

David Anthony is a financial advisor at Fidelity with nine years of industry experience. He has worked at Fidelity Investments since 2022 and previously held positions at Wells Fargo Clearing and Wells Fargo Bank. His credentials include Series 63 and Series 65 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages oversight of affiliated and unaffiliated sub-advisers.

Heather Kakabeeke is a CFP® professional with 27 years of industry experience, currently with Raymond James & Associates in Kalamazoo, MI. She has worked at Raymond James since 2014 and previously was involved in businesses including The Fitness Spott LLC and The Courthouse Athletic Center. Outside of her advisory role, she markets clean crafted wine as an independent contractor with Scout and Cellar. 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 and consulting services supported by a wide range of portfolio management styles and affiliated research.

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 in Kalamazoo, MI, holding Series 63 and Series 65 licenses and 14 years of industry experience. Her prior roles include positions at CUNA Brokerage Services, Inc., CUNA Mutual Group, JP Morgan Chase Bank, and PNC Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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® professional with 18 years of experience, currently affiliated with Cambridge Investment Research Advisors. He has been with Cambridge and its related entities since 2013. Hardy holds multiple independent insurance agent roles and is active as a board member of the West Michigan Estate Planning Council. He also coaches youth travel baseball and owns several financial and tax service businesses. 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 plan advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Eric Tiller is a financial advisor at Raymond James Financial with 19 years of industry experience. He holds a Series 66 designation and has worked with various Raymond James entities since 2010. In addition to his advisory role, he owns and operates 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, institutions, and charitable organizations. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary recommendations aligned with client goals.

Tammy Warnicke is a financial advisor at Stifel with 12 years of industry experience. She holds a Series 66 designation and has worked previously at several firms, including The Huntington Investment Company, Kushner & Company, VALIC Financial Advisor, Inc., Kellogg Community Credit Union, LPL Financial, and Wells Fargo Advisors. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which 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, holding Series 65 and Series 63 credentials and bringing 26 years of industry experience. He has been with Primerica Advisors since 2000 and has previous work experience including roles at Meijer and the Golf Performance Academy. In addition to his advisory work, he earns compensation from Primerica Mortgage and related affiliates for the sale of loan products and home-related service referrals. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven investment strategies supported by third-party asset managers and custodial services, operating on a large scale with approximately 3,961 advisors and $15.5 billion in assets under management.

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 65 and Series 63 licenses. She has previous work experience including roles at Charles River Laboratories and Sharp Realty. Outside of her financial advisory work, she has been involved with The Salvation Army since 2025. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven investment strategies supported by third-party managers and custodial partners.