Matthew Semelbauer is a CFP® certificant affiliated with Edward Jones in Portage, Michigan, with 11 years of industry experience. He has been with Edward Jones since 2014. 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 strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Carole Bestervelt is a financial advisor at Raymond James & Associates with 18 years of industry experience and holds the Series 66 designation. She has been with Raymond James & Associates since 1996. 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, institutional clients, pension and profit-sharing plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Antoinette Lobaito is a financial advisor at Raymond James Financial with 12 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill Lynch and Independent Financial Group. Lobaito also serves as a registered assistant for Amarillo Wealth Management, a DBA used for marketing purposes. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Michael Walters is a CFP® with 35 years of industry experience, currently practicing at LPL Financial since 2018. His prior experience includes roles at First Allied Advisory Services, First Allied Securities, and National Planning Corporation. Outside of advising, he is involved with Stocks & Blondes LLC, a boat and condo rental business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, research, and diversified strategies.

John Fiore is a CFP® and Series 66-licensed financial advisor with Edward Jones in Portage, MI, where he has worked since 2015. He has 10 years of industry experience. There are no other notable business activities reported. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Grant Petersen is a financial advisor with Raymond James & Associates in Battle Creek, MI, holding Series 65 and Series 63 licenses and four years of industry experience. Prior to his current role, he worked at Pennfield Schools and Western Michigan University. Raymond James & Associates 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, and municipal entities, offering financial planning and advisory services with a variety of portfolio management styles and affiliated research resources.

David Foster is a financial advisor with Ameriprise in Kalamazoo, MI, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, Foster assists as a videographer for a wedding videography business. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate tax-smart withdrawal strategies and Social Security claiming options. The firm combines research, modeling, and adaptive withdrawal advice, with a centralized consulting team supporting advisors like Foster in delivering these services.

Zachary Alkhamis is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2015 in Portage, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options.

Shane Winkelmann is a financial advisor at Ameriprise with 16 years of industry experience. He holds a Series 66 designation and previously worked at PNC Investments and PNC Bank. Outside of his advisory role, he is employed by OKL LLC, which pays the salaried portion of his compensation. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement, generally with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with a centralized consulting team to deliver non-discretionary retirement advice.

Brendan Lowry is a financial advisor at Ameriprise in Portage, MI, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Merrill and PNC Bank NA. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, algorithmically supported retirement income plans.

Caitlin Larabel is a financial advisor at Raymond James Financial with one year of industry experience. She holds a Series 66 designation and previously worked at Perrigo and Trident Laboratories. She also operates Loc Financial Planning Group, a non-investment-related business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm provides tailored, non-discretionary planning using analytical tools and supports a range of advisory programs and institutional consulting.

Markley Drake Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has worked with Primerica Advisors since 2017 and leads Drake Financial Group since 2020. Drake also served in the U.S. Army from 2012 to 2018. Outside of his advisory role, he owns Oakgrove Custom Furniture and operates an Amazon online store through Drake Holding Company LLC. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and delegates trading to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Sandra Melges is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James since 2012. Outside of her advisory role, she is involved in agricultural activities as CEO of Melges Family Farm LLC, where she manages farm maintenance and operations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipalities. The firm offers tailored financial planning and investment consulting, combining multiple portfolio management styles with firm research to support client decisions.

Daniel Hartley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Charles Carroll is a financial advisor with Wells Fargo Clearing in Battle Creek, MI, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is a self-employed musician who performs entertainment at restaurants and private parties. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Connor Bauserman is a financial advisor with LPL Financial in Portage, MI, holding the ChFC® designation along with Series 65 and Series 63 licenses, and has nine years of industry experience. His prior roles include positions at Select Financial Group, Harbour Investments, and Gasaway Investment Advisors. Additionally, he is an independent insurance agent with involvement in equity indexed annuities. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options supported by research and model portfolios.

Scott Hewitt is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Hewitt holds a Series 66 designation and is based in Kalamazoo, MI. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Tracy Boekeloo is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and three years of industry experience. She has worked at Primerica Advisors since 2023 and previously spent nine years at Wiser Financial Group. Outside of advisory work, Boekeloo is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors is a large-scale firm 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 a wrap-fee asset management program that utilizes model-delivery strategies from unaffiliated asset managers and provides custody and trading support through Pershing.

Brandon Hutson is a financial advisor with Raymond James & Associates in Battle Creek, MI, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Pacific Life, Aldi Inc., and Gibson Insurance, as well as a period dedicated to full-time education. Raymond James & Associates 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, pension and profit-sharing plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Jerome Kessenich is a CFP® with 44 years of industry experience, currently serving as a financial advisor with OSAIC since 2024. He previously worked with Securities America Advisors for 24 years. In addition to his advisory role, he owns JK Financial Services Inc., through which he prepares income tax returns. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations. The firm utilizes a range of advisory platforms and asset-allocation tools to construct portfolios that include multiple asset types, offering both discretionary and non-discretionary management options.