Grace Connelly is a financial advisor at Merrill in Grand Rapids, MI, holding a Series 66 designation and beginning her industry career in 2025. Her prior experience includes roles at Bank of America, Chick-fil-A, and various nutrition and educational organizations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Randall Koenes is a CFP® with 31 years of industry experience, currently affiliated with LPL Financial since 2003. Based in Grand Rapids, MI, he holds Series 63 and Series 65 registrations. Outside of his advisory role, he serves as a notary public and acts as a trustee for a family trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sylvia Frattallone is a financial advisor at Ameriprise with 31 years of industry experience. She holds the ChFC® and Series 63 designations and has been with Ameriprise since 2005. Outside of her advisory role, she serves as treasurer for the Fulton Woods Corporate Park Association, managing the association’s financial accounts without compensation. Ameriprise is a large institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations tailored to client needs.

Richard Olsen II is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC for six years. Olsen is also involved with Gold Sun Wealth Management, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

David Grooters is a ChFC® credentialed advisor with LPL Financial, based in Ada, MI, and has 53 years of industry experience. He has been with LPL Financial since 2003. 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, advisory programs, and retirement consulting services, combining discretionary and non-discretionary management with model portfolios and research.

Brandon Wilkins is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. He previously worked at Edward Jones for nine years before joining Raymond James in 2021. Wilkins is a partner in BW Majestic Financial LLC, an independent branch of Raymond James Financial Services. Raymond James Financial Services Advisors serves a diverse clientele including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed client interviews and risk profiling.

John Becker is a financial advisor with Equitable Advisors in East Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, Becker is a trustee for a life insurance policy held in an irrevocable trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management via LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Christopher Godbold is a financial advisor with Edward Jones in Lowell, Michigan, holding Series 63 and Series 66 credentials and possessing 24 years of industry experience. He has been with Edward Jones since 2001. Godbold serves as a trustee on the Greater Lowell Area Chamber Foundation Board and the Lowell Education Foundation Board, and he is chair of the Look Memorial Fund Board, all of which oversee grant distributions benefiting the Lowell community. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,700 financial advisors and emphasizes both discretionary and non-discretionary strategies under a fiduciary standard.

Michelle Maley is a financial advisor with Ameriprise in Portage, MI, holding a Series 63 designation and 25 years of industry experience. She has been with Ameriprise and its affiliate since 2014. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to generate recommendations, primarily for clients with assets managed within Ameriprise accounts.

Seth Yanik is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity divisions since 2001. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI-driven research.

Alex Goodwin is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several related Raymond James entities as well as Columbia Management Investment Distributors, Inc. Outside of advisory roles, he is a partner in multiple real estate businesses involved in buying, managing, and selling properties. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and government entities, providing wealth advisory planning and investment consulting through non-discretionary, fact-finding-based approaches.

Ashley Dunn is a financial advisor with Ameriprise in Grand Rapids, MI, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2021, she worked at LPL and U S Tax Service for ten years each. She serves on the Board of Directors for the Grand Rapids Early Discovery Center. Ameriprise provides a retirement-income planning service tailored for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kirsten Terpstra is a financial advisor with Robert W. Baird & Co. in Grand Rapids, MI, holding Series 63 and Series 66 licenses and with 25 years of industry experience. She has been with Robert W. Baird since 1997. Outside of her advisory role, she is an owner/member of CK Kalamazoo Holdings LLC. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, employing a variety of traditional and non-traditional investment strategies.

William Johnson is a CFP® professional with 35 years of industry experience, currently serving at Ameriprise Financial Services. He has been with Ameriprise since 2009 and is based in Grand Rapids, MI. Outside of his advisory role, he serves as an Associate Pastor at Daybreak Church and is a member of a local board of directors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, emphasizing dependable income sources and tax-aware withdrawal strategies.

Tammy Brouwer is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Robert W. Baird since 2009. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

David Westphal is a CFP® professional with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63, 65, and 66 licenses and is based in Grand Rapids, 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 options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Joseph Freiburger is a financial advisor with J.P. Morgan Securities in Grand Rapids, MI. He holds a Series 66 designation and joined the firm in 2025. His prior experience includes positions at PwC, PNC Bank, and Grand Valley State University. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

John Shubert is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Charles Schwab Bank, CUSO Financial Services, and Waddell & Reed Inc. located in Grand Rapids, MI. 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 combines non-discretionary advisory relationships with discretionary separately managed accounts, offering multi-asset model portfolios, alternative investments, and an integrated custody and brokerage platform.

Carrie Horlings is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at UBS Financial Services for 26 years before joining Morgan Stanley in 2025. 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 employs a structured financial planning process supported by proprietary tools and analysis.

Kyle Diephuis is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 designations and four years of industry experience. His prior roles include positions at PMCF Advisors LLC, Cascade Partners, and Ernst & Young LLP. Outside of finance, he has been involved with The Pantry of Forest Hills for two years. 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 an ESG eligibility framework.