Craig Van Ess is a financial advisor with Edward Jones in Grand Rapids, MI, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Cetera Investment Services, West Shore Bank, Bank of America, and Merrill Lynch. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a network of more than 23,000 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Dijak is a financial advisor at Ameriprise with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Transamerica. Outside of his advisory role, he is involved with Dijak Consulting, PLC, where he performs marketing and administrative work. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focusing on income sources and tax-aware withdrawal strategies.

Kimberley Hamilton is a financial advisor at LPL Financial with 42 years of industry experience. She has held roles at Morgan Stanley Smith Barney and Voya Financial Advisors prior to joining LPL in 2021. Hamilton holds Series 63 and Series 65 designations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Stephen Paneral is a financial advisor with Raymond James & Associates in Grand Rapids, MI, holding Series 63 and Series 65 licenses and 35 years of industry experience. His prior roles include positions at The Huntington Investment Company, Cetera Investment Advisers, and Charles Schwab. 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 client base, including individuals, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Stephen Carter is a financial advisor with LPL Financial in Ada, Michigan, holding a Series 66 designation and bringing 13 years of industry experience. His prior roles include positions at Royal Alliance Associates, Signator Investors Inc, and Royal Securities Company. He serves as vice president of the Covered Village Mall Owners Association, a local condominium association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Luke Nederveld is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2024. His background also includes roles at Grand Valley State University, Oa Private Capital, and Plante Moran. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Gary Holvick Jr. is a CFP® and ChFC® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2022. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for seven years. Holvick is involved in his own business ventures, including ownership roles in several LLCs and a consulting practice focused on management and business operations for non-publicly traded companies. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering comprehensive brokerage and advisory services. Its advisers utilize asset-allocation tools and third-party platforms to construct portfolios across various asset classes with discretionary or non-discretionary management options.

Rachel Hughes is a financial advisor with Robert W. Baird & Co. in Allendale, MI, holding a Series 66 designation and 19 years of industry experience. She has been with Robert W. Baird & Company since 1998. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a mix of in-house and third-party managers across traditional and non-traditional investment strategies.

Jeremy Moore is a Series 66-licensed financial advisor at Ameriprise in Byron Center, MI, with 18 years of industry experience. He has been with Ameriprise and its related entities since 2007. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Peter Chadwick is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI. He holds the ChFC® designation and has 29 years of industry experience. Since 2005, he has worked at MassMutual Life Insurance Co and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance sales through Pinnacle Wealth Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements that use firm-approved analytical tools and also provides specialized planning services including divorce and estate settlement planning.

John Perras is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Mass Mutual Investors Services since 1983 and MassMutual Life Insurance Company since 1982. Outside of his advisory role, he is also an insurance agent with Pinnacle Wealth Advisors LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses analytical tools and structured planning to deliver collaborative, annual financial planning engagements without discretionary investment authority.

Micah Bykerk is a financial advisor with Raymond James Financial, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Grand Valley State University and Soak Irrigation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through unique affiliations.

Rua Hekhuis is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings extensive experience working with clients who have complex financial needs, including entrepreneurs, professionals, and individuals involved in executive compensation, family wealth management strategies, legacy planning, and retirement income. Rua's approach emphasizes customized guidance tailored to each client's unique goals and life circumstances, leveraging the resources of Merrill and Bank of America to meet evolving client objectives. Rua holds a Master's Degree in Marketing and Management from the Rinker School of Business at Palm Beach Atlantic University and a Bachelor of Science in Marketing and Management with minors in Entrepreneurship, Social Sciences, and Economics from Northwood University. She is a CERTIFIED FINANCIAL PLANNER® and holds additional designations including Chartered Retirement Planning Counselor™, Sports & Entertainment Accredited Wealth Management Advisor™, and Personal Investment Advisor. Rua has been recognized on the Forbes "Top Women Wealth Advisors Best in State" list for consecutive years. Outside of her professional role, Rua resides in Spring Lake with her husband and two dogs. She dedicates time to support organizations such as the Humane Society of West Michigan and is involved with Michigan State University College of Human Medicine, Michigan Woman Forward, Paws with A Cause, and the Women's Resource Center. Her personal interests include running, biking, gardening, reading, martial arts, skiing, golfing, hiking, interior decorating, traveling, watching movies, and yoga.

Michael Gruszynski serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019 and works with individuals, families, and businesses to help them reach their financial goals through comprehensive wealth management. His client focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income. With over a decade of experience in the technology industry prior to his role at Merrill, Michael brings problem-solving skills and a goals-based approach to his financial advising. He assists clients with retirement planning, tax minimization strategies, investments, estate planning services, wealth transfer, and corporate investment strategies. He holds professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a graduate of Michigan State University, where he earned a bachelor's degree. Born and raised in Michigan, he is a Detroit sports fan and enjoys personal interests such as adventure sports, baseball, basketball, camping, fishing, football, golfing, music, photography, and spending time with his family. He is also involved in the community through Big Brothers Big Sisters in Battle Creek, Michigan.

Paul Solberg is a financial advisor at Robert Baird & Co. with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Robert Baird & Co. since 1995 and Nmis since 2002. He is part of The DDK Group, a team within Robert W. Baird & Co.’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, tailoring advice to client goals and risk tolerances through a combination of in-house and third-party managers.

Bryan Kading is a financial advisor with Edward Jones in Rockford, MI, holding CFP®, ChFC®, and Series 63 designations and bringing 22 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Don Goetcheus is a CFP® with 32 years of industry experience, currently affiliated with Charles Schwab in Grand Rapids, MI. His work history includes roles at Ameriprise Financial Services, TD Ameritrade, and Charles Schwab. He also serves as the secretary of his fraternity alumni housing corporation. Charles Schwab serves a large client base primarily composed of 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 affiliated discretionary separately managed accounts and conducts thorough due diligence on alternative investments.

Karen Poppema is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Her prior roles include positions at Morgan Stanley and Benjamin F Edwards & Co. In addition to her advisory work, she is the owner of Lowell Lavender LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base with financial planning, investment consulting, and institutional fiduciary solutions. The firm offers a range of portfolio management styles and provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Brandon Moulton is a Financial Advisor at Merrill Lynch Wealth Management, where he specializes in helping individuals, families, and business owners build financial confidence through personalized service and disciplined investment decisions. He focuses on delivering tailored financial strategies in areas such as retirement planning, investment management, tax-efficient strategies, estate planning, philanthropic planning, and values-based investing. Brandon serves a diverse client base including high net worth individuals and families, pre-retirees and retirees, business owners, entrepreneurs, and young professionals. He provides holistic guidance backed by the resources of Bank of America and Merrill to support clients through every stage of life. He holds a Bachelor's Degree from Michigan State University's Eli Broad College of Business, where he was a member of the Wealth Management Program, and holds the Personal Investment Advisor (PIA) designation. Outside of work, Brandon enjoys adventure sports, boating, fishing, hunting, golfing, basketball, football, traveling, and spending time with his wife, daughter, and their two dogs.

Joanne Sweetman is a CFP®-certified financial advisor with one year of experience at LPL Financial. She has operated Sweetman Advisory Services LLC since 2013, where she serves as president and provides tax, accounting, and advisory services, including assistance with international tax issues. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services supported by research, model portfolios, and technology-driven investment solutions.