Sylvia Frattallone is a financial advisor at Ameriprise with 32 years of industry experience and holds the ChFC® designation along with a Series 63 license. She has been with Ameriprise and its affiliated entities since 2005. Outside of advisory work, she serves as treasurer for the Fulton Woods Corporate Park Association, a role involving management of the association’s financial accounts without compensation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides tailored retirement-income planning and written recommendation reports supported by proprietary research, focusing on tax-aware withdrawal strategies and dependable income sources.

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 worked at Edward Jones from 2012 to 2021 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, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary investment consulting using analytical tools to support client goals and sponsors wrap-fee advisory programs across a large advisor network.

John Becker is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 49 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as a trustee for Sisters Life Policy in her irrevocable trust and is approved to conduct other insurance activities with companies outside the Equitable network. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of advisors, relying on a combination of proprietary and third-party investment solutions.

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.

Christian Viel is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has two years of industry experience, including prior roles at IDEXX Laboratories and Fisher and Paykel Healthcare. Christian is involved in community activities as a committee member of the Ada Business Association and St. Matthews Lutheran Church, and he serves as president of BNI Referrals Plus. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, offering financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals. The firm provides a range of portfolio management options, including proprietary and third-party strategies, under various custody and platform arrangements.

Seth Yanik is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been affiliated with various Fidelity entities since 2001, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, including the application of AI and systematic methodologies, to manage model portfolios and oversee sub-advisers.

Alex Goodwin is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 65 and Series 63 designations and has worked at several Raymond James entities, as well as Columbia Management Investment Distributors, Inc., and Gavin & Associates LLC. Outside of advising, he is a partner in multiple non-investment real estate businesses, assisting with buying, managing, and selling properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and consulting services with a range of investment strategies supported by affiliated research and sub-advisers.

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.

Michael Johnson is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining Ameriprise in 2026, he worked at LPL Financial LLC and Members First Credit Union for seven years each, as well as The Huntington Investment Company and Huntington National Bank. Outside of his advisory role, he owns Great Lakes Sporting Goods LLC. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written retirement income planning and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

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 financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding the CFP® designation and securities licenses Series 63, 65, and 66. He has 26 years of industry experience, including ten years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Richard Leist is a financial advisor with Cetera, holding Series 63, 65, and 66 designations and possessing 42 years of industry experience. His work history includes roles at Cetera Wealth Services and Summit Financial Group. He serves as an elected board member of Shoreline Christ Fellowship, advising on future planning and building maintenance. Cetera Investment Advisers LLC is a nationwide network of independent advisors managing over $256 billion in assets, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with both discretionary and non-discretionary options.