Max Kramer is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He has held multiple roles within Fidelity Investments, including Investment Consultant in 2022-2023 and Relationship Manager in 2022. Prior to joining Fidelity, Max served as a Financial Advisor at Credent Wealth Management from 2019 to 2021, and at Cambridge Investment Resource in 2019. He also worked as an Investment Advisor Representative at Gradient Securities from 2018 to 2019 and gained early experience as a Financial Intern at Daus Financial during 2017-2018. Max holds a California Insurance License, supporting his work in providing financial consultation. His professional focus is on partnering with clients to understand their goals and to help build financial plans that guide them through important financial events. Outside of his professional life, Max enjoys comedy, golf, spending time at the lake, and traveling.

Nancy Hughes is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding a Series 63 designation and 38 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 1993. Outside of advising, she is involved with Micali Distributing LLC, a wholesale distribution business she organizes jointly with her husband. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and broad investment resources.

Ailine Flores is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and five years of industry experience. Her work history includes roles at JPMorgan Chase Bank, N.A. and Transformed Trucking LLC. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

Daniel Vansingel is a financial advisor with LPL Financial in Caledonia, MI, holding Series 63 and Series 65 licenses and having 15 years of industry experience. He previously worked at Securities America Advisors from 2016 to 2021 before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Kevin Gardenier is a CFP® professional with 26 years of experience, currently affiliated with LPL Financial since 2021. His prior experience includes roles at Waddell & Reed, Strategic Divorce Solutions, and operating his own firm, Gardenier & Co. He has been involved with Autism Support of Kent County and Operation Green Star. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services supported by in-house and third-party research, offering both discretionary and non-discretionary management options.

Megan Crofoot is a financial advisor at LPL Financial with nine years of industry experience and a Series 66 designation. Her prior work includes roles at Comerica Securities and Beachbody. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Chase Carpenter is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, Carpenter serves on the Board of Directors for the Pewamo Westphalia Community Schools Foundation and is CEO of H&S Companies, PC, a professional services firm specializing in tax planning, business consulting, and tax compliance. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets. The firm provides a combination of advisory, brokerage, and insurance solutions supported by a centralized retirement-income consulting team using research, modeling, and tax-efficiency analysis to create tailored recommendation reports.

John Osbourne is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James since 1999 and previously worked at Roney & Co. since 1998. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Justin Smith is a financial advisor with LPL Financial, holding the Series 66 designation. He has one year of industry experience, having previously worked at Gordon Water Systems for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Amy Fowler is a financial advisor with Edward Jones and holds a Series 66 designation. She has 2 years of industry experience and has been with Edward Jones since 2025, following an 18-year prior tenure with the same firm. Outside of her advisory role, she teaches crochet and knit classes and works as a store clerk at Threadbender Yarn Shop in Grandville, MI, and also designs crochet patterns sold on a web-based crafting platform. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Brian Stearns is a CFP® and ChFC® credentialed financial advisor with eight years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Cambridge Investment Research Advisors, Inc. and Tri-Star Trust Bank. Stearns also serves as an agent for several insurance providers, managing existing policies while transitioning broker-dealer records to Raymond James. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and supports a wide advisor network with specialized offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory program.

Stephen Oberlin is a financial advisor at Raymond James & Associates in Grand Rapids, MI, holding a Series 66 designation with 10 years of industry experience. He has been with Raymond James since 2016. Outside of his advisory role, Oberlin is involved with Windchill LLC, a rental real estate business. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse clientele including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Scott Embree is a financial advisor with OSAIC based in Grand Rapids, MI, holding a Series 66 designation and 16 years of industry experience. He has previously worked at Royal Alliance and Mass Mutual Investors Services/MassMutual Financial Group. Embree serves as president of the Michigan chapter of NAIFA, a nonprofit organization where he oversees monthly meetings and coordinates with committee chairpersons. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and supports multiple advisory platforms, including access to third-party money managers and managed account solutions.

Lori Saliers is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her career includes multiple tenures with Wells Fargo entities dating back to 2009. Outside of her advisory role, she serves as a power of attorney and trustee for family members in investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jared Bottger is a Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he gained experience at Fidelity Investments in various capacities, including Planning Consultant from 2024 to 2026, Relationship Manager in 2024, Financial Representative from 2023 to 2024, and Financial Customer Associate from 2022 to 2023. His professional approach centers on providing transparent guidance and thoughtful planning through a collaborative process. Jared focuses on developing personalized financial strategies that aim to bring clarity to clients' financial lives, enabling them to concentrate on the people, experiences, and passions most important to them. Outside of his professional life, Jared engages in family activities, fitness, motorcycles, and running.

Spencer Vandevusse is a financial advisor with Charles Schwab, holding a Series 66 credential and five years of industry experience. His prior work includes roles at AGIA, VALIC Financial Advisors, Huntington National Bank, and EDP Management. Charles Schwab & Co., Inc. serves a large client base, 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 access to discretionary separately managed accounts, using multi-asset model portfolios and a formal alternative-investment onboarding process.

Samuel Lanning is a financial advisor with Raymond James & Associates in Grand Rapids, MI, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Stevens Advertising and Diocesan Publications. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional advisory services with a range of portfolio management styles and affiliated research.

Erik Laug is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2012. Outside of his advisory role, he is the sole proprietor of Kaizen Holdings LLC, a finance-related business. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

Alan Supp is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior firms include Morgan Stanley, Cantella & Co., Inc., and Winslow, Evans & Crocker, Inc. Outside of his advisory work, he practices as a small animal veterinary practitioner in Cedar Springs, MI. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using a range of portfolio management and advisory platforms.

Matthew Spencer is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience with Bank of America, Huntington Bank, and various entrepreneurial ventures including automotive detailing and lawn care businesses. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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.