Abigail Lininger is a financial advisor with Primerica Advisors in Byron Center, MI, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has worked with Drake Financial Group, PFS Investments, Inc., and Primerica Financial Services. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts, using third-party asset managers and a tiered wrap-fee structure.

Randall Koenes is a CFP® professional with 31 years of industry experience, currently affiliated with LPL Financial since 2003. Based in Grand Rapids, MI, he holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a notary public and acts as a trustee for a family trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning and third-party asset management, utilizing tools such as model portfolios and custom strategies.

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 with LPL Financial in Grand Rapids, MI. He holds the Series 63 and Series 66 designations and has eight years of industry experience, including prior roles at Morgan Stanley Private Bank and NYLIFE Securities. He is also involved with Gold Sun Wealth Management, a related non-variable insurance and advisory business. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services that include financial planning, model portfolios, third-party asset management, and institutional platforms.

Geoffrey Sadek is a financial advisor with LPL Financial in Grand Rapids, MI, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2014 and was previously with PNC Wealth Management from 2013 to 2015. Outside of his advisory role, he is involved in an insurance agency and provides independent consulting services. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

David Grooters is a ChFC® credentialed financial advisor with LPL Financial in Ada, Michigan, bringing 54 years of industry experience. He has been with LPL Financial since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Kenneth Baker is a financial advisor with Primerica Advisors in Grand Rapids, MI, holding Series 63, 65, and 66 credentials and two years of industry experience. His prior roles include positions at Primerica Financial Services, Autocam Medical, Pregis, Knape & Vogt, Cascade Engineering, and Edward Jones. Outside of his advisory work, he is involved in the sales of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual, corporate, and charitable clients. The firm utilizes model-based strategies from unaffiliated asset managers combined with discretionary separately managed accounts and provides advisory services through a broad network of advisors.

Gregory Friddell is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. since 2020. He studied at Michigan State University from 2013 to 2017. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of individual and institutional clients.

Richard Oneal is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors and Securities America, Inc. He serves as treasurer for Bethesda Farm, a ministry for special needs individuals. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a range of managed account programs delivered via an extensive affiliate 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 at Cambridge Investment Research Advisors with two years of industry experience. He holds a Series 66 designation and previously worked at IDEXX Laboratories and Fisher and Paykel Healthcare. Viel serves as president of BNI Referrals Plus and is active in local community organizations including the Ada Business Association and St. Matthews Lutheran Church. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs to individual and institutional clients, including pension and charitable organizations. The firm manages a multi-billion dollar asset base through thousands of financial professionals and offers services across multiple platforms and custodians.

Seth Yanik is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2001. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and employs systematic methodologies and oversight controls in its investment process.

Glenn Kimmel is a financial advisor with Edward Jones in Grand Rapids, MI, holding Series 63 and Series 66 credentials and having 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he is the sole member of Kimmel Holdings LLC, a real estate holding company. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Alex Goodwin is a financial advisor with Raymond James & Associates in Grand Rapids, MI, holding Series 65 and Series 63 credentials and seven years of industry experience. His prior work includes roles at Columbia Management Investment Distributors, Inc., Gavin & Associates LLC, and multiple positions within Raymond James entities. Outside of advisory work, he is involved in several real estate businesses where he participates in buying, selling, managing, and developing properties. Raymond James & Associates, Inc. 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, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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 36 years of experience in financial services, currently serving as an advisor at Ameriprise Financial Services, LLC since 2020. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Johnson serves as an Associate Pastor at Daybreak Church, where he assists with staff discipleship and organizational review, and he holds a position on a local board of directors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.