Harold Caldwell II is a financial advisor with Primerica Advisors in Portage, MI, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His career includes roles at PFS Investments Inc. and Zolman, with ongoing service at Primerica Financial Services since 2006. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors alongside corporate and charitable clients. The firm operates at scale with approximately 3,698 advisors and $15.5 billion in assets under management, delivering advisory services through model-driven strategies managed by unaffiliated asset managers.

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.

Stacy Clark is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Clark serves as a trustee and fundraising chair on a nonprofit board in Richland, MI. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Maya Nashef is a financial advisor at Morgan Stanley in Kalamazoo, MI, holding Series 66 and Series 63 licenses with five years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank, NA, and PNC Bank. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing structured planning tools and firm-approved methodologies.

Nicole Starbuck is a financial advisor with LPL Financial in Kalamazoo, MI, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at Sigma Financial Corporation, Cetera Advisors, and Plains Cooperative Telephone Association. She is also involved in tax preparation and accounting services alongside her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Lawrence Mjovig is a financial advisor with LPL Financial in Kalamazoo, Michigan, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Linsco Private Ledger Corp since 2001. Additionally, he is an independent insurance agent specializing in fixed products. 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, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Philip Tatchell is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008 and has concurrently worked with First Advantage Insurance Agency, Inc. and First Of America Brokerage Service, Inc. since 1996. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning decisions.

William Liston is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of financial advising, Liston serves as Secretary on the Board of Directors for the Bui Family Foundation and is the owner and managing attorney of the Law Offices of William J. Liston, PC. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

Jonathan Sanborn is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He previously worked at Edward Jones for three years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Tacy Davis is a financial advisor at Ameriprise with four years of industry experience. Prior to joining Ameriprise in 2021, she worked at Huntington National Bank and Meijer Great Lakes. Outside of her advisory role, she operates a home bakery business called Tacy's Treats as an owner and baker. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement income planning through comprehensive reports and ongoing advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Daniel Stauffer III is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Farmers Insurance, The Empowerment Institute, and Child and Family Psychological Services. Outside of his advisory role, he operates businesses related to financial design and wealth preservation affiliated with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser supporting individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory capabilities with extensive non-advisory financial services.

Carter Assink is a financial advisor with Equitable Advisors in Kalamazoo, MI, holding a Series 66 designation. He has one year of industry experience and has previously worked at J.Allen & Company and Spring Arbor University. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary and third-party advisory models and offers ERISA fiduciary services to qualified plans.

Robert Schauer is a financial advisor with Ameriprise in Mattawan, MI, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory work, he owns multiple student rental properties in Kalamazoo, MI. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining algorithmic and research-driven approaches to deliver tailored, non-discretionary recommendations focused on income sources, tax efficiency, and withdrawal strategies.

Jacqueline Vermette is a financial advisor with Equitable Advisors in Kalamazoo, MI, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at Securian Financial Advisors of Great Lakes, Minnesota Life Insurance Company, Oppenheimer & Co., Inc., and the Veteran Affairs Medical Center. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management solutions through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and third-party programs to tailor investment strategies across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Lori Bagwell is a financial advisor with Raymond James & Associates in Springfield, MI, holding Series 63 and Series 66 credentials and 25 years of industry experience. She previously worked at Wealth Partners Alliance from 2021 to 2023. Bagwell serves as a trustee for a family-related investment entity and is a committee member involved in five-year planning for Leroy Township, focusing on local zoning and infrastructure. 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, delivering tailored, primarily non-discretionary financial planning and investment consulting.

Ruth Rozankovich is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She previously worked for Oppenheimer & Co for 10 years before joining Raymond James in 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 individuals, institutions, and municipal clients through financial planning, non-discretionary consulting, and institutional advisory services, utilizing a variety of portfolio management styles and affiliated research.

Carl Holmgren II is a financial advisor with Primerica Advisors in Kalamazoo, MI, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in sales of investment-related products and receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail investors rather than institutional pension or profit-sharing plans.