Joshua Koetje is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and eight years of industry experience. He has been with Cambridge since 2020 and previously worked with Solid Rock Investing and Grand Valley State University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent Financial Professionals employing various portfolio management and model-based strategies.

Melynda Crozier is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2017 and previously spent one year at Regulus Advisors, LLC. Outside of her advisory role, Crozier co-owns small businesses selling coffee, tea, and portable solar products, and manages online sales of collectibles. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm uses proprietary research and planning tools to deliver tailored recommendations across a broad range of financial planning needs.

Andrew Emerson is a financial advisor at Morgan Stanley in Grand Rapids, MI, holding a Series 66 credential with two years of industry experience. His prior experience includes roles at Wintrust Investments, LPL Financial LLC, Osaic Institutions, Inc., and Macatawa Bank. 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 emphasizes structured financial planning supported by firm-approved tools without providing individual security recommendations as part of standalone plans.

David Kasprzak is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ellen Bylsma is a financial advisor at LPL Financial with 26 years of industry experience. She holds the Series 66 designation and has worked previously at Sagepoint Financial, OSAIC Services, and Sunamerica Securities. In addition to her advisory role, she is involved in insurance sales focusing on life, health, disability, long-term care, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor-facing technology and a broad suite of non-advisory financial products.

Ryan Fulton is currently Vice President and Branch Leader at Fidelity Investments. In this role, he leads, manages, and inspires a team of financial professionals to help clients work towards achieving their personal financial goals. He has held various positions within Fidelity Investments since 2020, progressing from Central Relationship Manager to Planning Consultant, Financial Consultant, Branch Leader, and currently Vice President, Branch Leader. Prior to joining Fidelity Investments, Ryan worked as an Advisor Consultant at Franklin Templeton Investments from 2017 to 2020. His experience spans client relationship management, financial consulting, and branch leadership within the investment management sector.

Jonathan Lash is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. Outside of his advisory role, Lash is involved in part-time work as an Uber driver and operates businesses focused on productivity blogging and designing directory websites, neither related to financial topics. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal and third-party management with various asset allocation approaches.

Jacob Brugger is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. His prior work includes roles at Target Corporation and Grand Valley State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs.

Andrew Bopra is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2021. Prior to this, he held roles at Matthew Cinco, Bridgepoint Wealth Management, and various insurance carriers. Outside of his advisory duties, he manages a home-based business entity for tax and investment purposes. 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 range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a variety of investment strategies.

Peter Vanderschaaf is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Stifel since 1988. Vanderschaaf serves as treasurer on the board of the Dutch Reformed Translation Society and is a board trustee for the Akademie Fur Reformatorische Theology, a theological seminary in Germany. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Andrew Wilson is a financial advisor at Stifel in Grand Rapids, MI, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has worked at Stifel since 2016 and previously spent nine years at Oppenheimer. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, focusing on asset allocation and financial planning analyses to support client decision-making.

Justin Gritter is a CFP® professional with 20 years of experience, currently serving as a financial advisor at Edward Jones since 2005. Located in Byron Center, MI, he has also held a leadership role as a committee member at the Wylie Rotary Club Foundation in Grand Rapids, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Randy Valentine is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 24 years of industry experience. Valentine has worked with Raymond James since 2008 and owns Valentine Financial Svcs LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and supports clients through advisory programs and institutional consulting services.

Jeffrey Domenico is a Series 66 licensed financial advisor with 14 years of industry experience. He has worked at Edward Jones since 2017 and previously at PNC Investments and Merrill. He is based in Hastings, MI. 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 solutions, including discretionary and non-discretionary strategies, separately managed accounts, and tax-efficient services, supported by a nationwide network of financial advisors and branch offices.

James Hamilton Jr. is a CFP®-designated financial advisor with over 33 years of industry experience. He is currently with LPL Financial and has previously worked at Voya Financial Advisors, Inc. and Jgh & Associates. 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 and supports both discretionary and non-discretionary strategies.

Dylan Mahaffey is an Investment Consultant at Fidelity, where he partners with individuals and their families to develop financial strategies tailored to their specific goals and aspirations. He utilizes the suite of tools and resources available through Fidelity to provide education and transparency, helping clients feel confident in their financial plans. He joined Fidelity Investments as a Financial Representative in 2024 and transitioned to his current role as an Investment Consultant in 2025. Dylan's experience focuses on collaborating with clients to co-create strategies that align with their financial objectives. Outside of his professional role, Dylan has personal interests in cars, fitness, social events with friends, and soccer.

Mary Beth Norris is a financial advisor with Ameriprise in Caledonia, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. Her prior roles include positions at Cetera and Summit Financial Group. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized consulting team.

Jacob Tuinstra is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with Royal Alliance Associates, Signator Investors Inc, and Royal Securities Co. Outside of his advisory role, he serves as treasurer and director on the Doris Tuinstra Foundation board and owns a business called Fit Express, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions with a range of offerings including financial planning, model portfolios, third-party asset management, and institutional platforms.

Paul Cook is a financial advisor with LPL Financial based in Grand Rapids, MI. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial, he worked at Bank of Ann Arbor and held roles at several other firms including Prudential Advisors and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions incorporating model portfolios, third-party subadvisors, and customized strategies.

Amanda Boyd is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 2007 and has also worked at Bank of America since 2018. Merrill, along with 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 supported by internal and third-party investment teams for a variety of individual and institutional clients.