Andrew Bok is a Certified Financial Planner® and holds the Series 66 designation. He has seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to that, he worked at the CSM Group for nine years. Outside of his advisory work, Bok is a minority equity owner in a rental property in Grand Rapids, Michigan. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Timothy Murray is a CFP® professional with 18 years of experience at Morgan Stanley in Grand Rapids, MI. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services that include, but are not limited to, financial planning, investment management, and estate planning strategies.

Jonathon Marosi is a Series 66-licensed financial advisor with Wells Fargo Clearing in Grand Rapids, MI, and has nine years of industry experience. His prior roles include positions at Ryder Center and Saginaw Valley State University. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of services, including discretionary and non-discretionary retirement plan consulting, supported by research and analytics from Wells Fargo Investment Institute.

Robert Flermoen is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Albert De Jonge is a financial advisor at Equitable Advisors in Grand Rapids, MI, holding a Series 66 designation with seven years of industry experience. He has worked at Equitable Advisors since 2018 and previously at Axa Advisors, LLC, Hantz Financial Services, and Boatwerks Waterfront Restaurant. De Jonge attended Central Michigan University from 2014 to 2018. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers advisory and brokerage channels to implement client recommendations.

Robert Ellinger III is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors. His prior roles include positions at Action Point Retirement Group LLC and Action Point Financial. Outside of his advisory work, he owns a crypto mining venture. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers a range of financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals using model-based strategies and multiple platform arrangements.

Drew Neitzel is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of his advisory role, Neitzel is a radio personality and color commentator, and he is involved with several local organizations, including serving on investment and financial development committees for the Kent County Parks Foundation and the Children’s Healing Center, as well as owning and directing a youth basketball camp. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options including insurance-related products and bank deposit sweep programs.

Ethan Lehman is a financial advisor with LPL Financial located in Kentwood, MI. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial in 2023, he was employed at Hillsdale College and has experience with White Creek Lumber LLC. He is also currently involved as a non-variable insurance agent with Hansen Brokerage Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, combining both discretionary and non-discretionary management with access to model portfolios and research from LPL Research and third-party subadvisors.

Seth Timmer is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked with multiple firms, including Anchor Wealth Advisers and ESI Financial. Timmer is also involved in selling fixed insurance products such as life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with various discretionary and non-discretionary program options.

Branda Werdon is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Kyle Sytsema is a financial advisor with J.P. Morgan Securities in Grand Rapids, MI. He holds a Series 66 credential and has one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Transpecos Banks, and various educational and municipal organizations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Michael Despres is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a part-owner of a gadget accessory website business and serves as treasurer for two nonprofit organizations focused on community activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Todd Overbeek is a financial advisor with LPL Financial in Grandville, MI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he owns Preferred Resource Solutions, LLC, a third-party administrator offering plan design, document services, and support for plan sponsors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs, financial planning services, and retirement plan consulting, supported by model portfolios, research, and a variety of management approaches.

Aaron Oudbier is a financial advisor at OSAIC with 25 years of industry experience. He previously worked at Royal Securities Co for 16 years and Signator Investors Inc for one year before joining OSAIC in 2018. Oudbier serves as a school board member and treasurer of the finance committee for Tri-Unity Christian School. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, automated rebalancing, and access to third-party money managers to construct diversified portfolios.

Melanie Buck is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, she worked at Shannon Orthodontics and has experience at The Brass Cafe and Central Michigan University. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and analyses.

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 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including The Huntington Investment Company and American United Life. His current roles include positions at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations through Wealth Advisors while clients retain final decision-making authority.

Peter Smith is a financial advisor with LPL Financial in Ada, Michigan, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2007. In addition to his advisory role, Smith is a licensed independent insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and access to research from LPL and third-party subadvisors.

Barbara Paneral is a financial advisor at Raymond James & Associates with 24 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Robert W Baird & Co., Wells Fargo Clearing, and Wells Fargo Advisors LLC. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, with a focus on both retail and institutional advisory services, including public finance and municipal work.

David Stephan is a financial advisor at Cetera with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms including HD Vest and Summit Financial Networks. Outside of advising, he owns Stephan Accounting & Tax, Inc., a tax and accounting business he has operated since 2008. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management alongside financial planning and access to third-party money managers.