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 Investment Research Advisors and Cambridge Investment Research since 2020. Prior to that, he was affiliated with Grand Valley State University and Solid Rock Investing for four years. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides services through multiple platforms, supporting both discretionary and non-discretionary management 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.

Jacob Brugger is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. His prior work includes roles at Target Corporation and Grand Valley State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs.

Andrew Bopra is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2021. Prior to this, he held roles at Matthew Cinco, Bridgepoint Wealth Management, and various insurance carriers. Outside of his advisory duties, he manages a home-based business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a variety of investment strategies.

Andrew Johnson is a financial advisor with Edward Jones in Belmont, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2025, he spent 12 years at Trane Technologies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

Peter Vanderschaaf is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Stifel since 1988. Vanderschaaf serves as treasurer on the board of the Dutch Reformed Translation Society and is a board trustee for the Akademie Fur Reformatorische Theology, a theological seminary in Germany. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Dylan Mahaffey is an Investment Consultant at Fidelity, where he partners with individuals and their families to develop financial strategies tailored to their specific goals and aspirations. He utilizes the suite of tools and resources available through Fidelity to provide education and transparency, helping clients feel confident in their financial plans. He joined Fidelity Investments as a Financial Representative in 2024 and transitioned to his current role as an Investment Consultant in 2025. Dylan's experience focuses on collaborating with clients to co-create strategies that align with their financial objectives. Outside of his professional role, Dylan has personal interests in cars, fitness, social events with friends, and soccer.

Mary Beth Norris is a financial advisor with Ameriprise in Caledonia, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. Her prior roles include positions at Cetera and Summit Financial Group. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized consulting team.

Paul Cook is a financial advisor with LPL Financial based in Grand Rapids, MI. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial, he worked at Bank of Ann Arbor and held roles at several other firms including Prudential Advisors and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions incorporating model portfolios, third-party subadvisors, and customized strategies.

Darren James is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Pruco Securities, Prudential Insurance Company of America, and Fifth Third Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios, fund advisory services, and model portfolios, with notable use of AI and systematic methodologies.

David Johnson is a Series 66-registered financial advisor with Edward Jones, based in Belmont, MI, and has 11 years of industry experience. He has been with Edward Jones since 2014. 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 and investment solutions, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

Sara Smith is a financial advisor at Morgan Stanley with 27 years of industry experience. She has held her current role since 2009 with Morgan Stanley Smith Barney and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Derek Sall is a financial advisor at LPL Financial in Grand Rapids, MI, holding a Series 66 designation with one year of industry experience. His background includes roles at H&S Companies, U of M Health West, Laurens Tenkate LLC, and teaching positions at Calvin University and Calvin Christian High School. 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 wide range of advisory and brokerage services, incorporating model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools.

Gregory Bootsma is a financial advisor with Morgan Stanley in Grand Rapids, Michigan, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the sole proprietor of an equipment rental business in Byron Center, Michigan. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Jonathan Wendt is a CFP®-certified financial advisor with LPL Financial, based in Kentwood, MI, and has 12 years of industry experience. He has been with LPL Financial since 2014. Outside of his advisory role, he is associated with Wendt Financial Services, Inc., a non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Scott Voltz is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. He has worked with LPL Financial since 2024 and previously served at Milken Community Schools. Outside of his advisory role, Voltz is involved extensively in coaching and refereeing water polo at various collegiate and national organizations. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and technological research tools.

Rebecca Garvey is a financial advisor with Ameriprise in Grand Rapids, MI, holding a Series 66 designation and 17 years of industry experience. She previously worked at Edward Jones Investments for 16 years before joining Ameriprise in 2025. Garvey also owns Fiducia Wealth Partners, through which she manages her Ameriprise business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing annual planning focused on income sources and tax-aware withdrawal strategies.