Stuart White Jr. is a CFP® and ChFC® with 26 years of experience in financial advising, currently with Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. White is also the owner and president of Stuart White, Inc., a financial planning flow-through entity. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations through a centralized consulting team.

Kyle Sytsema is a financial advisor with J.P. Morgan Securities in Grand Rapids, MI. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2026. Prior to his current role, he has experience working in various positions including roles at JPMorgan Chase Bank, Hope College, and Transpecos Banks, SSB. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process uses centralized due diligence and combines quantitative and qualitative research to support its recommendations.

Michael Despres is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory work, Despres is involved as treasurer for Our Lady's Rosary Makers of Grand Rapids and SA of America, nonprofit organizations in his community. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Todd Overbeek is a financial advisor with LPL Financial in Grandville, MI, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Woodbury Financial Services for one year. Overbeek is also the owner of Preferred Resource Solutions, LLC, a third-party administrator that assists plan sponsors with plan design and employee communication. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, third-party asset management, and institutional platforms, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Jonathan Tysman is a financial advisor at LPL Financial in Grand Rapids, MI, holding a Series 66 credential. He has experience working at Mosaic Wealth Management and PNC Bank, as well as involvement with Planet Fitness (Impact Fitness LLC) prior to his financial services career. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a broad range of advisory and brokerage services. The firm supports its advisors with diverse investment strategies, technology tools, and a large network of over 22,800 advisors.

Aaron Oudbier is a financial advisor with OSAIC in Grandville, Michigan, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. His prior work includes 16 years at Royal Securities Co and a year at Signator Investors Inc before joining OSAIC in 2018. He serves as a member and Treasurer of the Finance Committee for Tri-Unity Christian School. OSAIC operates a multi-advisor platform serving retail and institutional clients, offering brokerage and advisory services across diverse programs such as financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools and offers access to alternative investments through third-party platforms.

Melanie Buck is a financial advisor at Morgan Stanley in Grand Rapids, MI, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Shannon Orthodontics for four years and held other roles including at The Brass Cafe and Central Michigan University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals 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 utilizing firm-approved tools and market modeling techniques.

Travis Sinquefield is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding a Series 66 credential and 19 years of industry experience. He has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Brian Oosterhouse is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at The Huntington Investment Company and American United Life. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, using forward-looking capital market assumptions and may include an ESG eligibility framework.

Peter Smith is a financial advisor with LPL Financial in Ada, Michigan, holding the Series 63 and Series 66 credentials and bringing 19 years of industry experience, all with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.). He also serves as an independent insurance agent. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors, offering a range of advisory and brokerage services with access to multiple investment strategies and institutional platforms.

Barbara Paneral is a financial advisor at Raymond James & Associates with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Robert W Baird & Co., Incorporated and Wells Fargo Clearing. Based in Grand Rapids, MI, she has been with Raymond James since 2020. 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.

David Stephan is a financial advisor with Cetera holding Series 65 and Series 63 credentials and has 10 years of industry experience. He has worked at multiple firms including Cetera Wealth Services, Summit Financial Networks, and HD Vest, and has been the owner of Stephan Accounting & Tax, Inc. since 2008, providing accounting, tax preparation, consulting, payroll, and bookkeeping services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Michael Beach is a financial advisor with LPL Financial in Grand Rapids, MI, holding Series 63, 65, and 66 licenses and with 33 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory work, he also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and participant-level retirement advice, utilizing research-driven and customizable investment strategies.

John Nowak is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing a comprehensive approach to wealth management that focuses on listening to clients and helping them make informed decisions. He assists clients in building tailored wealth management strategies that address their individual needs across diverse areas such as equity compensation services, family wealth management, managing new wealth, personal retirement planning, portfolio management, and serving clients in sports and entertainment. John began his financial services career in 1972 at Michigan National Bank in the Trust Investments department. Over the years, he gained experience at First Wisconsin Bank and co-founded his own financial firm before joining Merrill Lynch in 1980, where he continues to help clients achieve their financial goals. He holds a Bachelor's and a Master's degree from Western Michigan University and has earned professional designations as a Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA). Outside of his professional work, John has personal interests that include football, golfing, swimming, traveling, and watching movies.

Kenneth Moore is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and six years of experience at the firm. His prior roles include positions at JPMorgan Chase Bank, Moore Law Firm, and various educational institutions. Outside of his advisory work, he is an owner and partner of a decentralized real estate LLC that facilitates real estate investing through blockchain technology. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Lisa Howland is a financial advisor with Robert W. Baird & Co. in Byron Center, MI, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers financial planning, portfolio management, and brokerage services, tailoring strategies through a combination of in-house and third-party managers across a range of asset classes and investment approaches.

Ulrich Noorman is a financial advisor with Ameriprise, holding a Series 66 designation and 46 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory work, he has involvement in real estate ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, offering tailored recommendation reports that incorporate income strategies, Social Security options, and tax-efficient withdrawal plans. The firm combines research, modeling, and algorithmic tools to deliver these services through a centralized consulting team in partnership with advisors.

Thomas Elzinga is a financial advisor with LPL Financial in Grand Rapids, MI, holding Series 63 and Series 66 registrations and possessing 28 years of industry experience. He previously worked at Ameriprise for 27 years before joining LPL Financial in 2025. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Paul Ondersma is a financial advisor with LPL Financial in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Variable Concepts since 2005 and Cadaret, Grant & Co., Inc. from 2005 to 2025. Outside of finance, he owns Great Lakes Surfacing, a business unrelated to investment activities. 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 wide range of advisory and brokerage services with access to various investment strategies, supported by technology and a broad non-advisory financial platform.

Brooke Moore is a financial advisor at Ameriprise with 11 years of industry experience. Prior to joining Ameriprise in 2026, Brooke worked at Truist Advisory Services and Truist Investment Services, Inc. from 2021 to 2026, and at Bb&T Securities from 2018 to 2021. Outside of financial advising, Brooke also works as a delivery driver for a food delivery service. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm provides clients with written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by proprietary research and collaborative service teams.