Richard Williams is a financial advisor with PlanMember Securities Corporation in Grandville, MI, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has operated multiple advisory and insurance businesses, including Williams & Company Executive Services LLC and W&C Wealth Management LLC, which focuses on serving professional athletes. Outside of his advisory roles, he is involved with the University of Giving, a nonprofit focused on teaching philanthropy, and serves on Northwood University’s President’s Advisory Council. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education, support services, and personalized retirement planning to plan sponsors and participants.

Isabel Adcock is a financial advisor with Principal Financial Services in Grand Rapids, MI, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Principal Life Insurance Company, Principal Securities, and various positions outside the financial industry such as at Herc Rentals and Tullymore Golf Resort. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charities, corporations, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Jeffrey Towner is a financial advisor at Rockefeller Financial LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. Rockefeller Financial LLC serves high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management and financial planning services, operates as a registered broker-dealer, and provides access to alternative investments through its Private Advisor model and the Rockefeller Global Investment Management platform.

Randy Osterman is a financial advisor with Principal Financial Services, holding a Series 66 credential and six years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Company since 2019 and previously worked at Central Michigan University and Marcus Orland Park Cinema. Outside of advising, he is also an insurance agent specializing in life, annuities, group benefits, health, disability, and long-term care insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Douglas Temple is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 credential and three years of industry experience. His prior work includes roles in various service and hospitality positions, as well as a period of employment at Michigan State University. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm focuses on financial planning and wealth management using ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and technology-driven solutions such as automated tax-loss harvesting and Direct Indexing.

Noah Jones is a financial advisor at Rockefeller Financial LLC with a Series 66 designation and three years of industry experience. Prior to joining Rockefeller Financial, he worked at Merrill and has held roles in political and business settings, including the Michigan Republican Party and Maple Hill Golf. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm operates as both an investment adviser and a registered broker-dealer, offering a range of portfolio management, financial planning, consulting, and investment banking services through a Private Advisor model and a consolidated investment platform.

Codi Pepera is a financial advisor with OSAIC Institutions, Inc. based in Grand Rapids, MI, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. Prior to joining OSAIC, Pepera worked at West Michigan Community Bank, LPL Financial, Flagstar Bank, Infinex Investments, and JP Morgan in various roles. Outside of advising, Pepera is a business owner of Coco & KK LLC. OSAIC Institutions, Inc. serves a diverse client base including individuals, ERISA retirement plans, trusts, estates, and corporations, offering customized advisory and financial planning services. The firm operates with a hybrid adviser/broker-dealer model, providing both discretionary and non-discretionary account management and access to alternative investments and lending solutions.

Michael Reinhart is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked at J.W. Cole Advisors since 2019 and previously spent five years with Global Financial Private Capital, LLC and GF Investment Services, LLC. Outside of his advisory role, he is involved in fixed annuities and indexed annuities sales and service. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a network of over 400 independent investment adviser representatives. The firm offers a range of portfolio management and financial planning services, utilizing both discretionary and non-discretionary investment approaches and multiple managed account solutions.

Theodore Bonarski is a financial advisor with Eagle Strategies (NY Life) in Kentwood, MI, holding Series 63 and Series 66 credentials and possessing 21 years of industry experience. He has been with Eagle Strategies and Dedalus Financial Strategies, P.C. since 2008 and with New York Life companies since 2004. Outside of his advisory role, he is involved in small business operations including working at Cafe Boba LLC and West Michigan Home Care LLC. Eagle Strategies serves a diverse client base that includes individual investors, institutional clients, and plan sponsors, providing financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored solutions and manages the majority of its assets on a non-discretionary basis, operating within an integrated New York Life affiliate structure.

Raymond Llewellyn is a CFP® and CFA® with 12 years of industry experience. He is currently a financial advisor at Cerity Partners LLC, having joined in 2023. Prior to this, he worked at ARGI Financial Group from 2016 to 2023 and RBC Rochdale, LLC from 2014 to 2016. Outside of his advisory role, Raymond performs notary services and acts as a power of attorney occasionally. Cerity Partners advises a broad client base including individuals, families, trusts, estates, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs an investment framework centered on client-specific profiles, asset allocation, and access to alternative and private market solutions.

Anthony Koehler is a CFP® professional with 25 years of experience in the financial services industry. He currently works at Mercer Global Advisors Inc. and has previously held roles at The Huntington National Bank, TD Ameritrade, TIAA-CREF, and Charles Schwab. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of investment advisory, financial, tax, retirement, and estate planning services. The firm employs a Modern Portfolio Theory-based approach, using diversified portfolios with multi-factor tilts, implemented through low-cost ETFs, index funds, separate account managers, and other specialized strategies.

Marcus Dixon is a financial advisor at Hantz Financial Services, Inc. He holds a Series 66 designation and has two years of industry experience. Prior to joining Hantz Financial Services in 2024, Marcus worked at Target and has a background in education at several Christian schools. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and Direct Indexing, combining advisory and broker-dealer activities along with mortgage and insurance product sales.

Zachary Woodward is a financial advisor with Principal Financial Services in Grand Rapids, MI, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He is the owner and president of Watermark Advisory Group LLC, a firm he created for income and expense tracking purposes. His career includes roles at Watermark Investment Services and Principal Securities Inc. Principal Securities provides brokerage and registered investment advisory services to a broad client base, including individual investors, retirement plans, trusts, and business entities. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager asset allocation and separately managed account solutions.

Aiden Gortmaker is a financial advisor with Benjamin F. Edwards & Company, Inc. He holds the Series 66 designation and has one year of industry experience. His prior work includes roles at Grand River Bank and Edward Jones, as well as various positions outside finance such as at FedEx Grounds and Cornerstone University. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through over 500 advisors. The firm offers a range of services including advisory programs, financial planning, investment management, brokerage services, and M&A advisory, utilizing both proprietary strategies and third-party model portfolios.

Justin Vanspronsen is a financial advisor with Money Concepts Capital Corp in Grand Rapids, MI, holding a Series 66 designation and 12 years of industry experience. He has worked at Bright Future Financial Services LLC since 2019 and Easton Financial Services from 2014 to 2019. Outside of his advisory role, Vanspronsen is a soccer coach. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing around $3.33 billion for about 14,700 clients. The firm provides portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations, utilizing a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers.

Brian Allen is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation, Securities America Advisors, LPL Financial, and other financial institutions. Empower Advisory Group serves primarily employer-sponsored retirement plan sponsors and their participants, offering integrated financial planning and investment management services connected to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and manages a large client base with a distinctive integrated approach tied to affiliated Empower entities.

Benjamin Russette Mondoux is a financial advisor at PNC Wealth Management in Grand Rapids, MI, holding Series 63 and Series 65 licenses with three years of industry experience. He previously worked at Fifth Third Securities and Fifth Third Bank before joining PNC. Outside of finance, his early career includes roles in hospitality and retail. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an invitation-only pilot for PNC Bank employees. The firm employs algorithmic questionnaires to recommend investment strategies implemented through mutual funds and ETFs, with portfolio management and proxy voting delegated to third parties.

David Tiesma is a financial advisor at Fifth Third Securities, Inc. with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Securities LLC and Fifth Third Bank. Outside of his financial career, he is active as a comedian and actor in the Grand Rapids area. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs with features such as direct indexing and tax-overlay services, supported by its affiliation with Fifth Third Bank.

Holly Karasinski is a financial advisor with Principal Financial Services in Grand Rapids, MI, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has worked with Principal Life Insurance since 2007 and with Princor since 2006. In addition to her advisory role, she sells fixed annuities, fixed life insurance, disability insurance, long-term care, group benefits, and health insurance through various carriers. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Steven Handeland is a financial advisor with Principal Financial Services, holding the ChFC® designation and Series 63 license, and has 42 years of industry experience. He has been associated with Principal Securities since 2016 and has also worked with Edge Wealth Management and Advantage Benefits. Outside of his financial advisory work, he serves as President of the Burgess Lake Homeowners Association. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services include financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.