William Randall is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked with J.P. Morgan entities since 2004. Randall is also a general partner at Orcadian Ventures, LLC, a private investment entity he has been involved with since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, with an emphasis on model asset allocations and ESG considerations.

Carol Dehen is a financial advisor at LPL Financial with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with LPL Financial and its predecessor LINSCO/PRIVATE LEDGER CORP. since 2007. Prior to that, she worked at Morgan Stanley from 2006 to 2007. Outside of her advisory role, she is involved with Mosaic Wealth Management and Mosaic Referral Partners, which operate as DBAs for her LPL business, and she also has a business entity called Cat Eyes LLC for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and managing over $819 billion in discretionary assets.

Christopher Staufer is a financial advisor with Equitable Advisors in Grand Rapids, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Transamerica Financial Advisors and has operated a landscaping business called His Workmanship. He also provides private cello lessons. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm utilizes a range of third-party program sponsors and discretionary managers to deliver tailored investment solutions.

Benjamin Doerner is a financial advisor with LPL Financial in Kentwood, MI, holding a Series 66 credential and three years of industry experience. His prior roles include positions at Bridgepoint Wealth Management, Union Bank of Michigan, Amazon, Blackford Capital, and Huntington National Bank. He is also a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by advanced advisory tools and a broad network of over 22,800 advisors.

Erin Mc Govern is a CFP®-certified financial advisor with 12 years of industry experience, currently with Edward Jones since 2017. Prior to Edward Jones, she worked at Triad Advisors, Inc. and Global Financial Group Advisors, LLC for three years each. Outside of her advisory role, she is a co-owner of a condominium business in Grand Rapids, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 at J.P. Morgan Securities with five years of industry experience. She holds Series 65 and Series 63 licenses and has worked at various J.P. Morgan entities since 2015. Flores was also involved with Transformed Trucking LLC for one year. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Daniel Vansingel is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at Securities America Advisors and Securities America Inc. from 2016 to 2021, and has been affiliated with LPL Financial since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, model portfolio programs, and institutional platforms to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides advisory services through a large network of investment adviser representatives using a range of investment strategies and operational tools.

Kevin Gardenier is a CFP® professional affiliated with LPL Financial, based in Grand Rapids, MI, with 26 years of industry experience. His work history includes roles at Waddell & Reed, Inc., and running his own firm, Gardenier & Co., as well as involvement with organizations such as Autism Support of Kent County and Operation Green Star. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions, with a focus on comprehensive financial planning and model portfolio programs.

Megan Crofoot is a financial advisor with LPL Financial in Ada, MI, holding a Series 66 license and nine years of industry experience. Her prior roles include positions at Comerica Securities and Beachbody. 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 advisory and brokerage services, including financial planning and model portfolio programs, supported by a large 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 Series 66-licensed financial advisor with LPL Financial in Ada, Michigan. He has one year of industry experience, having previously worked for Gordon Water Systems for 15 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management options through a large network of advisors and utilizes various platforms and tools to support operational and research functions.

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 in Grand Rapids, MI. He holds a Series 66 designation and has 16 years of industry experience, including prior roles at Royal Alliance and MassMutual Investors Services. Embree serves as president of NAIFA-MI, a nonprofit organization, where he runs monthly meetings and coordinates with committee chairs. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and emphasizes model-based asset allocation, portfolio optimization, and access to third-party managers and alternative investments.

Lori Saliers is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has held multiple roles at Wells Fargo Clearing since 2016. Outside of her advisory work, she serves as a power of attorney and trustee for family members in Michigan. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines internal research and third-party analytics to support its investment approach and offers a broad range of brokerage and advisory solutions.

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.