William Mackay is a Wealth Management Advisor with the Certified Investment Management Analyst (CIMA) designation, affiliated with Merrill Lynch Wealth Management. He brings a comprehensive approach to institutional and high net worth financial strategies, emphasizing close client-consultant relationships. William is committed to serving the specific needs of his clients by designing customized investment portfolios focused on capital preservation and risk control. His expertise includes providing fiduciaries with unbiased, independent, and research-driven advice, with a particular understanding of nonprofit and defined benefit plan challenges. William employs a systematic and disciplined process to assist high net worth families in preserving and growing wealth for future generations. He also offers services in areas such as family wealth management strategies, institutional investment consulting, endowments and foundations support, socially responsible investing, and retirement planning. William graduated with honors from the University of Notre Dame with a Bachelor of Arts degree and studied law at the University of Michigan. He holds professional designations including the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). He and his wife Amy reside in East Grand Rapids, Michigan, where they have raised two children and have been actively involved in community activities, particularly supporting educational, healthcare, and other local needs. William serves on professional organizations such as the East Grand Rapids School System and Foundation, Pine Rest Mental Health Hospital, Mary Free Bed Rehabilitation Hospital, and Van Andel Institute.

Mark Postema is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. He is based in Grand Rapids, MI. 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 under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Victor Amaya is a financial advisor with Ameriprise in Grand Rapids, MI, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its approach.

Beth Fredricks is a financial advisor with Ameriprise in Grand Rapids, MI, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She worked at American Express Financial Advisors Inc. for 21 years before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Bradley Harrison is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Merrill in 2023, he worked for Huntington National Bank and The Huntington Investment Company from 2004 to 2023. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Stebbins is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2018 and previously at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2018. Stifel serves a wide range of clients, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Gregory Wyma is a CFP® professional with 29 years of industry experience, all of which he has spent at Edward Jones. He holds Series 63 and Series 66 licenses and is based in Grand Rapids, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and provides additional services such as tax-efficient solutions and securities-based lending.

Jamie Hills is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Carleen Van Strien is a financial advisor at Edward Jones in Grand Rapids, MI, with 19 years at the firm and three years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she rents a spare room in her home to a roommate. 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 programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Conley is a financial advisor with Edward Jones in Muskegon, Michigan, holding Series 63 and Series 66 licenses. He has worked at Edward Jones since 1989, accumulating 36 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and over 15,000 branch offices.

Courtney White is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill in 2022, White worked at Riverbank Finance, Chicago Title of Michigan, and Nations Title Agency of Michigan. Outside of advising, White is involved with Biolife, donating plasma, and is a general partner and managing member of Uncensored Threads LLC, a new business focused on graphic design, website creation, and order management. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Sexton is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Austin Smith is a Series 66-licensed advisor with LPL Financial, where he has been working since 2023. He has two years of industry experience, including prior roles outside the financial sector. In addition to his advisory work, he is involved with D's Auto and Truck Repair, a non-investment related, home-based business. LPL Financial is a national SEC-registered firm serving individual investors, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various investment management tools.

Curtis Lucas is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, NA since 2006. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Gary Werkman is a financial advisor with Robert W. Baird & Co. Inc. in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Robert W. Baird since 2006. Outside of his advisory role, he is a part-owner of Port Sutton Marina LLC, a community-owned entity formed to manage a local marina that affects his residential property. The DDK Group at Robert W. Baird, where Gary works, serves individuals, corporate clients, pensions, and charitable organizations through a variety of wealth management and advisory services. The firm utilizes manager-traded and model-traded SMA strategies, overlay management, tax-management techniques, and ongoing manager monitoring supported by internal research and advanced tools.

Zachary Tyler is a financial advisor at Edward Jones in Grand Rapids, MI, holding a Series 66 designation with four years of industry experience. He previously worked with Allstate Insurance and Northwestern Mutual before joining Edward Jones. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee services, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Garrett Schwan is a financial advisor with Mass Mutual Investors Services in Wyoming, Michigan, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at MML Investors Services, LLC and MassMutual since 2019, as well as prior experience with John Hancock Advisers, LLC, John Hancock Funds, and John Hancock from 2016 to 2019. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of services including asset management, wrap and money-manager programs, and educational seminars, with financial planning structured as ongoing, collaborative relationships using firm-approved analytical tools.

Jessica Joswick is a financial advisor at Edward Jones with 21 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2007, returning to the firm in 2024 after a brief interval. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Clements is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Louisville, Kentucky. He joined Merrill after serving nearly 22 years as a Marine Corps Officer, bringing experience from operating in dynamically complex environments to his role in wealth management. Robert designs and tailors financial strategies utilizing Merrill's resources along with banking solutions through Bank of America. His expertise encompasses education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and retirement income. Robert employs a goals-based wealth management approach to ensure alignment between individualized strategies and prioritized client goals. He focuses on helping busy professionals and families who face demanding schedules and competing interests, as well as those less inclined to manage wealth themselves. Robert holds a bachelor's degree from The Citadel and a Personal Investment Advisor (PIA) designation. He serves on the Trinity High School Alumni Board and is affiliated with St. Albert the Great Catholic School. Outside of his professional activities, Robert enjoys golf, running, reading, and spending time with his wife and two daughters.

Julie Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. Prior to joining LPL Financial in 2024, she worked at Infinex Investments, Inc. for eight years and has been affiliated with Flagstar Bank since 2015. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.