Michael Toner is a financial advisor with Edward Jones in Portage, MI, holding a Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019 and has additional experience as a self-employed professional starting in 2018. Prior to his financial career, he worked at The Kellogg Company for 22 years. Edward Jones is a wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Chase Carlson is a financial advisor at Ameriprise Financial Services with six years of industry experience. He holds the Series 66 designation and is based in Kalamazoo, MI. His prior work includes a brief period at Lee's and involvement with The YMCA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

William Annis is a financial advisor at Thrivent Investment Management with eight years of industry experience. He holds the Series 66 designation and has been with Thrivent since 2017. Prior to his financial career, he worked in orthopedic specialists and sports medicine. Outside of his advisory role, Annis is active in community service, serving as Foundation President of the Rotary Club of Marshall, Board Chair for Battle Creek Area Habitat for Humanity, and Treasurer for Mobile Meals of Marshall. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based analyses and planning across a wide range of topics, allowing clients to combine planning with managed accounts while keeping the services separate.

Hannah Barnes is a financial advisor with LPL Financial in Plainwell, Michigan, holding a Series 66 designation and one year of industry experience. She has previously worked at Ameriprise and holds a background that includes roles in investment and administrative support for independent advisory firms. Barnes is involved in administrative support for Good Life Advisors, LLC, an independent registered investment advisory firm. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies across advisory and brokerage platforms.

Mark Sandmeyer is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both individual and corporate financial planning agreements.

Brian Rose is a financial advisor with Primerica Advisors in Portage, MI, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Ferguson Plumbing, Reinforcement Inc., and involvement with the University of Michigan and First United Methodist Church. Outside of financial advising, he is engaged in custom carpentry through Watermark Building & Custom Carpentry. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Emily Celeski is a financial advisor at Equitable Advisors in Kalamazoo, MI, holding Series 63 and Series 66 licenses with less than one year of industry experience. Prior to joining Equitable Advisors, her work history includes roles at Doordash, Shipt, and self-employment in sales. She has entrepreneurial experience operating VRB Sales dba Camp America RV Center for eight years. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves tailoring solutions based on client risk tolerance and plan information, using both proprietary and third-party advisory models.

Nicholas Acri is a CFP®-certified financial advisor with Cambridge Investment Research Advisors, bringing five years of industry experience. Prior to his current role, he held positions at Shipt LLC and HUMANeX Ventures, and has been involved in both academic and retail settings. He serves as a volunteer committee member for Rotaract in Kalamazoo and works as a coach and consultant for the Foundation for Financial Planning. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of discretionary and non-discretionary investment platforms and models.

Jeffery Vanderstraaten is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 1999 at Merrill and has over two decades of experience. Jeff is a founding partner of the Hekman & VanderStraaten Group and focuses on total wealth management. He provides solutions based on clients' risk tolerance, time horizon, liquidity needs, and investment goals, utilizing a defined process to help clients reach their objectives. Jeff's expertise includes college education planning, employee benefits planning, employee financial health, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, women and wealth, tax minimization, and retirement income. He uses the Investment Personality Assessment developed by Merrill Lynch Wealth Management to better understand clients' investing preferences and customize financial strategies accordingly. He holds a Bachelor's degree and a Master's degree in Finance from Western Michigan University. Jeff has earned several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Plans Specialist (CRPS), Chartered Retirement Planning Counselor (CRPC), Chartered Special Needs Consultant (ChSNC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He serves on the Endowment Committee at his church. Jeff lives in Portage with his wife, Michelle, and their two daughters, Ella and Grace. In his free time, he enjoys basketball, football, ice hockey, music, reading, and spending time with his family.

Randall Verlin is a CFP® professional with 40 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has worked with multiple entities including Mazzola-Verlin Group, LLC and Kardia Midwest Family Wealth Counseling, LLC. Verlin serves as a committee member of the Western Michigan University Athletic Advisory Board and is involved in tax services and independent insurance activities. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm employs various portfolio management strategies across multiple platforms, combining proprietary and third-party models tailored to client objectives.

Robert Benjamin is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Raymond James & Associates since 1999 and also maintains a longstanding affiliation with Roney & Co. since 1998. 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—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide network of advisers.

Timothy Williams is a financial advisor at Stifel with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual Investment Services and Robert Baird & Co. He is based in Portage, MI. Stifel serves a broad client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and allocation methodologies developed by its Investment Strategy Group, which supports client decision-making without guaranteeing outcomes.

Daniel Coleman is a CFP® and holds a Series 66 license with 19 years of industry experience. He has been with Edward Jones in Kalamazoo, MI since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non‑discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices.

Glen Kellam is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Cuso Financial Services, Consumers Credit Union, and Cetera Advisors LLC. Kellam also has experience running his own financial planning firm, Kellam Financial Planning, Inc., and is involved with Consumers Investment Services. 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.

David Grall is a financial advisor with Morgan Stanley in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client responsibility for implementation and updates.

Bruce Bos is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with Cambridge Investment Research Advisors since 2013 and also works as an independent insurance agent selling life, LTC, and fixed annuity products. Additionally, he is employed as a title examiner at Lighthouse Title Group. Cambridge Investment Research Advisors serves a wide range of clients including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals using various portfolio management and advisory platforms.

Ginger Titus is a CFP® and Series 66-registered financial advisor with Edward Jones in Otsego, MI, bringing eight years of industry experience. Prior to joining Edward Jones in 2017, she worked at Timber Ridge Ski Area and Moore Electrical Service, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions through a large network of financial advisors and branch offices.

Jamie Phillips is a financial advisor with Raymond James & Associates in Portage, MI, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with Raymond James & Associates since 2016. Outside of his advisory role, Phillips leases farmland and is involved with agricultural ventures in Vicksburg, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipalities. The firm offers financial planning and investment consulting through various programs, combining multiple portfolio management styles and extensive research resources.

Daniel Ingles is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients and their families to identify and pursue meaningful financial goals through personalized wealth management strategies. Daniel assists clients in anticipating and managing major life transitions, such as business sales and retirement, while also addressing ongoing priorities like education planning and philanthropic endeavors. Daniel has been in the financial services industry since 2013 and joined Merrill Lynch Wealth Management in 2016. Prior to his financial career, he served six years in the United States Military. He holds a Bachelor of Science in Business Administration with a concentration in Personal Financial Planning from Central Michigan University, where he graduated with high honors. Daniel is a CERTIFIED FINANCIAL PLANNER™ (CFP), a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and a Personal Investment Advisor (PIA). He is committed to adhering to a disciplined financial planning process to help clients pursue their long-term goals. In alignment with the Merrill tradition, Daniel dedicates time to volunteering in the communities he serves. His client focus areas include education planning, executive and equity compensation services, family wealth management, legacy and philanthropic planning, liquidity management, retirement planning, portfolio management, and tax minimization.

Ryan Cahill is a CFP®, CFA®-designated financial advisor with 16 years of industry experience. He is currently with Edelman Financial Engines and was previously the principal at Cahill Wealth Management, LLC for 18 years. He is also a managing member of an office property rental entity in Portage, MI. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual and institutional clients, offering a range of workplace solutions and planner-led wealth management that combines proprietary modeling with online tools.