Michael Ladd is a financial advisor at Raymond James & Associates with 25 years of industry experience. He has been with Raymond James & Associates since 2009 and holds a Series 66 designation. Outside of advisory work, he serves as treasurer for the West Willow Home Owner's Association in Spring Lake, MI, and is a passive investor in BCKSTGR, a mobile-led loyalty program. 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, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and firm-supported research.

Nicole Galarneau is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2011. Outside of her advisory role, she serves as a successor trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Emily Urbaniak is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation. She has seven years of experience at Edward Jones and previously worked in the retail and service industries, including five years at Wild Emerald Bridal and six years at Nathan's Hair Unlimited. Outside of her advisory role, she has experience managing a bridal business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Jonathan Cox is a financial advisor at Osaic with 25 years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Securities America Inc. for eight years. Outside of advising, he owns and operates Cox Accounting and Tax Service, which he has run since 1994. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Michael Haynes is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation with two years of industry experience. His prior work includes roles at ACMatic Inc and Hortech, Inc. 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 under management and provides a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Marci Bentz is a financial advisor at Thrivent Investment Management with 24 years of industry experience. She has held roles at Thrivent Investment Management since 2008 and at Thrivent Financial for Lutherans since 2007. Bentz holds Series 63 and Series 66 licenses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across various topics, allowing clients to combine planning with managed-account programs while keeping services separate.

Nathan Lapham is a financial advisor with J.P. Morgan Securities in Muskegon, MI, holding Series 63 and Series 66 credentials and having two years of industry experience. He previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. Outside of his advisory role, Lapham owns and operates an e-commerce business focused on buying and selling trading cards online. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Kyle French is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill Lynch, and JP Morgan Chase Bank. Based in Muskegon, MI, he joined Raymond James in 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Christine Church is a financial advisor at Edward Jones with CFP® and Series 66 credentials. She joined Edward Jones in 2025 and has prior experience at Blue Trust, Loek's Theaters Inc, J. Alexanders, Murphy's Family Restaurant, and Dagwoods Deli. 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 under management through a large network of financial advisors and branch offices, offering both discretionary and non-discretionary investment strategies under a fiduciary standard.

Martin Majchrzak is a financial advisor with Raymond James & Associates in Muskegon, MI, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley. 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, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad network of advisers and affiliated research.

Andrew Hein is a CFP® with 18 years of industry experience, currently with LPL Financial since 2021. He previously worked at Waddell & Reed, Inc. and Cindie Jones, among other roles in the insurance sector. Hein also manages Hein Consulting, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Valachovics is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. He has served on the finance and investment committees for Muskegon Catholic Central since 2023. His prior experience includes roles at Grand Valley State University and Community Shores Bank. 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, offering financial planning and non-discretionary investment consulting supported by various portfolio management styles and affiliated research.

Mark Wielinga is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Ameriprise since 2023. He previously worked at Edward Jones for six years and has a background in construction management. Wielinga owns and manages Independent Pursuit LLC, through which he oversees his advisory business. Ameriprise provides retirement-income planning services targeting clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Steven Moran is a financial advisor with LPL Financial in Whitehall, MI, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. His prior roles include long tenures at Questar Asset Management and Questar Capital Corporation from 2003 to 2019, followed by a brief period at Woodbury Financial Services before joining LPL Financial in 2020. 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 wide range of advisory programs and services, including discretionary and non-discretionary management, model portfolios, and research from various sources.

Michael Hansen is a financial advisor with Edward Jones in North Muskegon, MI, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is involved in managing several real estate ventures in Michigan and Georgia. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Lynne Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in empowering women and their families through informed financial decision-making. She focuses on areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, and socially responsible investing. Lynne aims to simplify complex financial concepts to help clients take control of their finances and meet their individual goals. Before beginning her financial advisory career in 2008, Lynne held management positions at AT&T and IBM. She holds a Bachelor of Arts degree in management and finance from Simmons College and a Master of Science degree in information systems from Pace University. Additionally, she maintains Series 7 and Series 66 FINRA registrations, Life and Health Insurance licenses, and is registered to offer Long Term Care through the Connecticut and New York Partnership Program. Lynne is actively involved in her community, including membership with the Junior League of the Palm Beaches and participation in the Choral Society of the Palm Beaches. She also dedicates time to educating organizations about kidney health as a living kidney donor. Lynne enjoys golfing with regional women's golf associations and spending time with her family.

Brian Gerrans is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2021. His prior roles include positions at Waddell & Reed, Inc., various insurance carriers, and his own consulting group. He has also been involved in business activities outside traditional advising, including ownership in a real estate entity. 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 services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Amber Meyers is a financial advisor at LPL Financial with three years of industry experience. Prior to joining LPL Financial in 2022, she worked for seven years at Northside Heating, Cooling & Refrigeration Inc. She holds a Series 66 designation. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with support from internal and third-party research.

Troy Fox is a financial advisor with OSAIC based in Muskegon, Michigan, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at OSAIC since 2024 and previously held roles at Securities America Advisors and Securities America Inc. from 2016 to 2024. Fox is also the president and sole proprietor of Fox Financial Services, a business he has operated since 1999. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisors, using asset-allocation tools and multiple platforms to construct diversified portfolios incorporating a range of investment types.

David Brus is a financial advisor at OSAIC with 28 years of industry experience. He has held roles at Securities America Advisors and Fifth Third Securities prior to joining OSAIC. He is a partner in Terraza LLC, an activity outside of his advisory and insurance work. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct portfolios tailored to client needs.