Lisa Cargill is a financial advisor with LPL Financial in Grand Rapids, MI, holding the ChFC® and Series 63 designations. She has 28 years of industry experience, including 20 years at Ameriprise and Ameriprise Financial Services, Inc. In addition to her advisory role, she has been involved with Pull Barn Enterprises, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research, alongside various institutional and participant advice programs.

Mark Smith is a financial advisor at Cambridge Investment Research Advisors with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research Advisors since 2017. Prior to that, he worked at Regal Investment Advisors LLC and American Portfolios Financial Services. Smith also serves as a board member of the University Club of Grand Rapids and owns MW Smith & Associates LLC, an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using a variety of portfolio management and model-based solutions.

Tara Farkas is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Laurie Misiak is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

George Wit is a CFP®-designated financial advisor with 27 years of industry experience, currently practicing at Ameriprise. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in business ownership through LLCs related to office property management. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Samantha Ringler is a financial advisor at Edward Jones in Ionia, MI, holding a Series 66 designation with seven years of experience. Prior to joining Edward Jones in 2019, she worked in healthcare-related roles including positions at Elite Dental Partners and McIver Chiropractic Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a large nationwide network of advisors and branch offices.

Justin Leak is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this position, he collaborates closely with clients to develop personalized financial plans that align with their individual goals. His approach involves connecting with clients to understand their priorities, enabling him to provide tailored guidance, strategies, and education. Justin's experience in the financial industry includes roles as an Investment Consultant at Fidelity Investments in 2024, as well as positions at Cetera Investment Services from 2018 to 2024, where he worked as an Investment Executive and previously as a Sales Assistant. This progression reflects his growing expertise in investment consulting and financial planning. Outside of his professional work, Justin has interests in cars, cooking and baking, family activities, and music.

Ross Poll is a CFP® professional with 24 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large network of advisors and uses research-driven investment strategies based on diversification and modern portfolio theory.

Thomas Cole is a CFP® with six years of industry experience currently affiliated with LPL Financial in Grand Rapids, MI. His prior roles include positions at USA Financial, Infinex Investments, and Cottingham & Butler. He also holds a notary role at Flagstar Bank N.A. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various specialized investment strategies.

Douglas Hoffman is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He previously worked at Amerus Life for 31 years and has been with Cetera and its related entities since 2013. Outside of financial advising, he owns a seasonal rental property in Harbor Springs, Michigan. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Levi Reigler is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 credentials and 12 years of industry experience. His prior roles include positions at Fifth Third Bank, Fifth Third Securities, infinex Investments, Inc., and Flagstar Bank. Outside of advising, he has ownership interests in commercial rental and farm-related properties in Freeport, MI. 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 solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Matthew Brandon is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Schwab and its affiliated entities since 2015, including a role at Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational structure.

Stephen Watkins is a CFP® with 17 years of industry experience and has been with Stifel since 2007. He serves on the advisory boards of Partners Worldwide and the Salvation Army, providing guidance on nonprofit activities in his community and abroad. Stifel serves a broad client base, including individuals, institutions, and charitable organizations, offering brokerage and advisory services grounded in a proprietary investment methodology developed by its Investment Strategy Group.

Jennifer Baldini is a financial advisor with Raymond James Financial in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She previously worked at Rehmann Financial from 2010 to 2019 before joining Raymond James in 2019. Baldini serves as treasurer for Northwest Young Life and is a finance committee member for the Sparta Education Foundation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Joshua Koetje is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and eight years of industry experience. He has been with Cambridge since 2020 and previously worked with Solid Rock Investing and Grand Valley State University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent Financial Professionals employing various portfolio management and model-based strategies.

Melynda Crozier is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2017 and previously spent one year at Regulus Advisors, LLC. Outside of her advisory role, Crozier co-owns small businesses selling coffee, tea, and portable solar products, and manages online sales of collectibles. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm uses proprietary research and planning tools to deliver tailored recommendations across a broad range of financial planning needs.

Andrew Emerson is a financial advisor at Morgan Stanley in Grand Rapids, MI, holding a Series 66 credential with two years of industry experience. His prior experience includes roles at Wintrust Investments, LPL Financial LLC, Osaic Institutions, Inc., and Macatawa Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes structured financial planning supported by firm-approved tools without providing individual security recommendations as part of standalone plans.

David Kasprzak is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ryan Fulton is currently Vice President and Branch Leader at Fidelity Investments. In this role, he leads, manages, and inspires a team of financial professionals to help clients work towards achieving their personal financial goals. He has held various positions within Fidelity Investments since 2020, progressing from Central Relationship Manager to Planning Consultant, Financial Consultant, Branch Leader, and currently Vice President, Branch Leader. Prior to joining Fidelity Investments, Ryan worked as an Advisor Consultant at Franklin Templeton Investments from 2017 to 2020. His experience spans client relationship management, financial consulting, and branch leadership within the investment management sector.

Jeffrey Vanderweele is a financial advisor with Raymond James & Associates in Grand Rapids, MI, holding Series 65 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Raymond James since 2011 and also has experience with GT Independence since 2020. Outside of his advisory role, he serves as Chair of the Board and a Finance Committee member for Wedgwood Christian Services, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and nonprofit entities. The firm offers financial planning and non-discretionary consulting services supported by a wide range of portfolio management styles and affiliated research.