Alex Zhang is a CFP® and CFA® with two years of industry experience, currently serving as an advisor at Zhang Financial in Portage, MI. His prior experience includes roles at Ropes & Gray, JPMorgan Securities LLC, and academic work at Harvard Law School. Zhang Financial is a multi-advisor, fee-only investment firm managing approximately $8.37 billion in assets. The firm offers portfolio management, financial planning, pension consulting, and institutional advisory services to a diverse client base including individuals, charities, corporations, and government entities, utilizing a mix of fundamental, technical, and cyclical analysis alongside internally developed model portfolios.

Charles Zhang is a CFP® and ChFC® with 20 years of industry experience. He has worked at Zhang Financial since 2012, following prior roles at LPL Financial and Ameriprise. Outside of his advisory work, Zhang has served as an adjunct professor and is the author of the book "Make Yourself a Millionaire." Zhang Financial is a multi-advisor fee-only firm managing approximately $8.37 billion in assets. It serves individuals, high-net-worth clients, charities, corporations, and government entities, employing a blend of fundamental, technical, and cyclical analysis alongside internally developed model portfolios to provide comprehensive investment and advisory services.

Cory Denuyl is an investment adviser with First Heartland Consultants, Inc. in Kalamazoo, MI, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with First Heartland Capital Inc since 2007. Outside of his advisory role, he owns DenOwl Games LLC and is a musician who receives royalties from music on various streaming services. First Heartland Consultants provides investment advisory and financial planning services to individuals, businesses, and retirement plan participants. The firm offers personalized asset management, third-party asset management services, and model-based brokerage programs delivered by independent advisers using a combination of fundamental, technical, and cyclical analysis.

Lynn Chen Zhang is a CFP® with 18 years of industry experience and has been with Zhang Financial since 2012. She is the author of the book *Make Yourself a Millionaire* and serves on the Western Michigan University Foundation Board of Trustees and the Kalamazoo Symphony Orchestra Board of Directors. Additionally, she holds a CPA designation and participates as a WMU trustee. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal governments, offering asset management, financial planning, pension consulting, and institutional advisory services.

Jill Ingersoll is a financial advisor with M Holdings Securities, Inc. She holds Series 63 and Series 65 licenses and has 18 years of industry experience. Jill previously worked at Rose Street Advisors, LLC for 11 years and currently owns and operates Doerschler & Associates Wealth Management LLC, focusing on wealth management and employer-sponsored plans. M Holdings Securities, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other business entities through a nationwide network of independent firms and professionals. The firm provides a range of advisory and brokerage services, including investment management, retirement plan consulting, and financial planning, utilizing both in-house portfolio managers and third-party sub-advisors.

Paul Knibbe is a financial advisor with Harbour Investments, Inc. in Kalamazoo, MI, holding a Series 66 designation and 15 years of industry experience. He has operated Knibbe Investment Management LLC since 2013 and also works as an independent insurance agent under that name. Harbour Investments serves a diverse client base, including individuals, trusts, pension and 401(k) plans, and institutional entities, offering portfolio management, financial planning, and access to multiple investment management platforms.

Kyle Triemstra is a CFP® professional with nine years at Zhang Financial and three years of industry experience. Prior to joining Zhang Financial, he worked at Cold Stone Creamery for five years. Zhang Financial is a fee-only multi-advisor firm managing approximately $8.37 billion in assets. The firm serves individuals, high-net-worth clients, charities, corporations, and government entities, offering portfolio management, financial planning, and retirement plan consulting using a blend of fundamental, technical, and cyclical analysis.

Giselle Schlubatis is a CFP® and Series 66-registered financial advisor with 17 years of industry experience. She has been with Zhang Financial since 2019 and previously worked at Ameriprise Financial Services and Ameriprise from 2007 to 2019. Zhang Financial is a multi-advisor, fee-only investment advisory firm managing approximately $8.37 billion in assets. The firm serves individuals, high-net-worth clients, charities, corporations, and municipal government entities, employing a range of investment strategies including fundamental, technical, and cyclical analysis alongside model portfolios and active trading.

David Marshall is a CFP® with eight years of industry experience, currently serving at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Jansen Valk Thompson Reahm, PC for one year. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team that provides portfolio management, financial planning, pension and retirement plan consulting, and institutional advisory services to individuals, charities, corporations, and municipal government entities. The firm employs a combination of fundamental, technical, and cyclical analysis using internally developed model portfolios and offers a range of strategies, including long- and short-term holdings, active trading, and option strategies.

Kyle Mack is a CFP® professional at Zhang Financial with two years of industry experience. His prior work includes roles at SGH Wealth Management, Edward Jones, and Follett. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team. The firm serves individuals, high-net-worth clients, charities, corporations, and municipal government entities, utilizing a blend of fundamental, technical, and cyclical analysis across various investment strategies and time horizons.

Cameron Kleinheksel is a CFP® and holds a Series 65 license with 14 years of industry experience. He has been with Zhang Financial since 2021, following roles at CapFinancial Partners, LLC. (CAPTRUST) and Plante Moran Financial Advisors. Zhang Financial is a fee-only advisory firm with approximately 20 advisors managing $7.2 billion for over 2,100 clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and municipal government entities. The firm focuses on individualized asset management and continuous supervision, using a range of investment instruments and providing pension consulting with fiduciary responsibilities under ERISA.

Kolby Smith is a CFP® with 14 years of industry experience, currently serving as an advisor at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Plante Moran Financial Advisors for one year. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal government entities, offering asset management, financial planning, pension consulting, and institutional advisory services.

Andrew Schutz is a financial advisor with Fifth Third Securities, Inc. in Portage, MI, holding Series 65 and Series 63 licenses and five years of industry experience. His work history includes roles at Fifth Third Securities since 2021, Fifth Third Bank since 2019, and Avis Budget Group from 2016 to 2019. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutional entities through both advisory and brokerage services. The firm offers multiple investment programs via the Passageway Managed Account platform and operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor.

Andrew Martin is a financial advisor with Principal Financial Services in Kalamazoo, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Principal in 2023, he worked at West Hills Athletic Club as a tennis coach for nine years. He is involved with the Community Healing Center, where he has participated in fundraising and run a tennis clinic for the organization's after-school program. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Marc Clauser is a financial advisor with Principal Financial Services in Kalamazoo, MI, holding Series 63 and Series 65 licenses and totaling 10 years of industry experience. His prior work includes roles at MWA Financial Services Inc. and Modern Woodmen of America. He is also active as an insurance agent specializing in life, annuities, long-term care, and disability insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Christopher Tarkowski is a CFP® with 10 years of industry experience, currently serving at Farther since 2024. He previously worked at RMB Capital Management, LLC and Zhang Financial LLC. Outside of his advisory role, Tarkowski is a co-founder and partner of Next Level Real Estate Investments, LLC, and co-founder and owner of Next Level Burger, Inc. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform, offering discretionary investment management, retirement plan consulting, and private fund recommendations. The firm’s investment approach is based on Modern Portfolio Theory and employs bespoke or algorithmic model portfolios with automatic rebalancing, focusing primarily on ETFs, mutual funds, equities, and fixed income.

Steven Gehl is an investment advisor representative with Kestra Advisory Services, LLC, based in Kalamazoo, MI. He holds Series 63 and Series 65 licenses and has 14 years of industry experience, including roles at Kestra Investment Services since 2016. Outside of his advisory work, he holds a minority ownership in a board game creation and sales company and serves as an unpaid board member for a local condo association. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan-level investment advice, and employee education, serving large institutional investors including sovereign wealth funds.

John Mc Caffrey is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and four years of industry experience. His prior experience includes roles at Northwestern Mutual and Charles Schwab. Outside of finance, he is involved in insurance brokerage focusing on life insurance products and is a partner in a home cleaning business serving residential and property management clients. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs and financial planning. The firm operates both as an SEC-registered adviser and FINRA-member broker-dealer, offering a range of investment management and brokerage services.

Clinton Van Linder is a financial advisor with Kestra Advisory, holding a Series 63 credential and bringing 27 years of industry experience. He has been with Kestra Advisory and Kestra Investment Services since 2016 and has previously worked with Ron Wiser & Associates since 1999. Van Linder also provides tax advice as a CPA and is involved in real estate through a property management business. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm provides fiduciary consulting, plan design, employee education, and manages a range of investment platforms and third-party solutions.

Faith Lamere Richards is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Fifth Third Bank and was employed at Good Earth Cafe before beginning her career in finance. Fifth Third Securities serves a diverse clientele including high-net-worth individuals and institutional clients through various investment advisory and brokerage services. The firm offers multiple program types on the Passageway Managed Account platform, combining third-party portfolio management with tailored client risk profiling and investment options.