Michael Behrens is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 33 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Behrens also owns and operates Behrens Wealth Management and is active as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management strategies and program options, supported by a large nationwide network of independent advisors.

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.

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.

James Tabb III is a financial advisor at LPL Financial with five years of industry experience and holds the Series 66 designation. His prior roles include positions at ICA Group Wealth Management, Greenleaf Hospitality Group, and the US Department of Defense's Edelweiss Lodge & Resort. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, with access to model portfolios, research, and various investment strategies.

Mark Czarnecki is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Brad Collar is a Wealth Management Advisor at Merrill Lynch in the Grand Rapids office, a position he has held since 1990. He specializes in total wealth management, tailoring solutions to clients’ risk tolerance, time horizon, liquidity needs, and overall investment objectives while considering costs. Brad employs a defined process that emphasizes understanding each client's unique circumstances to establish objectives, develop strategies, provide recommendations, and regularly review progress toward financial goals. He works closely with clients to ensure their financial plans remain aligned with their personal situations and draws upon Merrill specialists to implement strategies that address individual financial objectives. Brad’s areas of expertise include college education planning, services for endowments, foundations, and non-profits, personal retirement planning, philanthropic planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Retirement Income Certified Professional (RICP). Brad earned a bachelor's degree from Albion College. He is involved in his community through participation with Ada Bible Church, Habitat for Humanity, and youth sports. Outside of work, Brad engages in various personal interests, including boating, fishing, football, golfing, hunting, running, scuba diving, skiing, skydiving, and traveling.

Konrad Raclawski is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and three years of industry experience. Prior to joining Ameriprise, he worked with Osaic Institutions, Inc. He serves on the boards of the Sparta Chamber of Commerce and Sparta Community Works. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement planning advice through a centralized team and structured recommendation reports.

Seth Donnan is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a network of approximately 23,701 advisors and over 15,000 branch offices nationwide.

Patrick Borum is a Financial Advisor at Merrill Lynch Wealth Management with a focus on delivering comprehensive financial advice and best-in-class service. He joined Merrill in 2021 and works with a diverse clientele, including young couples building their nest eggs and retirees aiming to protect their assets. Patrick emphasizes developing an in-depth understanding of clients' situations, priorities, and values to provide customized advice aligned with their risk tolerance, time horizons, liquidity needs, and investment goals. He graduated early in 2018 from the Seidman College of Business at Grand Valley State University with bachelor's degrees in Finance and Business Management. Patrick holds the Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations. His areas of expertise include stock compensation planning, custom lending and deposit solutions, estate and legacy planning, trust services, education planning, sports and entertainment, as well as personal and business banking. Originally from Holland, Michigan, Patrick is involved in professional organizations such as The Economic Club of Grand Rapids and Young Catholic Professionals - Grand Rapids. He also participates in community initiatives like First Tee - West Michigan. Outside of his professional role, Patrick enjoys football, golfing, and running.

Naomi Stirdivant is a financial advisor with Edward Jones in Grand Rapids, MI, holding a Series 66 designation and 14 years at Edward Jones. She has four years of industry experience. Naomi is also a brand partner for Young Living, an essential oils company, though she does not solicit business for this activity. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm reported approximately $1.01 trillion in assets under management and maintains a large network of financial advisors and branch offices nationwide.

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.

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.

Jacob Heeres is a financial advisor with Edward Jones in Grand Rapids, MI, holding a Series 66 designation and currently in his first year with the firm. His prior experience includes five years at Koops Inc, and he has held roles at Calvin University, Windridge Perennials & Landscaping, and Holland Christian High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts. The firm is notable for its large network of financial advisors and branch offices, along with affiliated mutual funds and trust services.

Rachel Morton is a Series 66 licensed financial advisor with Edward Jones in Grand Rapids, MI, where she has worked since 2013. She has three years of industry experience. Outside of her advisory role, she works as an independent Mary Kay cosmetics consultant. 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 and offers a range of advisory and investment solutions through a nationwide network of over 23,700 financial advisors.

Gina Bosetti is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Grand Rapids, MI, and has 14 years of industry experience. Her prior roles include positions at Bank of America, Merrill, Lambert & Co, and Smart Bottoms. She has been with J.P. Morgan since 2021. 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 to inform recommendations.

Jeffrey Burns is a financial advisor with LPL Financial in Grand Rapids, MI, holding Series 63 and Series 65 designations and over 32 years of industry experience. He previously worked at Royal Alliance Associates, Inc. for 15 years and has been involved with several business entities related to financial services and tax preparation since 1986. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by in-house research and third-party resources.

Shaun Mcdougall is a financial advisor with LPL Financial in Grand Rapids, MI, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Wells Fargo Bank, HSBC Securities, and Citizens Bank. Outside of his advisory work, he is co-owner of S and R Shadetree LLC, a real estate rental business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios, delivering both discretionary and non-discretionary management options.

Ellen Bylsma is a financial advisor with LPL Financial in Grand Rapids, MI, holding a Series 66 designation and 26 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years prior to joining LPL Financial. Outside of advisory work, she is involved in selling non-variable insurance products, including life, health, disability, long-term care, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management alongside research-supported model portfolios and alternative strategies.

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.

Jonathan Lash is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. Outside of his advisory role, Lash is involved in part-time work as an Uber driver and operates businesses focused on productivity blogging and designing directory websites, neither related to financial topics. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal and third-party management with various asset allocation approaches.