Richard Houck Jr. is a financial advisor with Edward Jones in Wyoming, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, he owns and operates Twin Pine Ranch LLC, where he raises and sells beef cows. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Austin Lovett is a financial advisor with LPL Enterprise in Grand Rapids, MI, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, J.P. Morgan Securities LLC, and Equitable Advisors. Outside of his advisory work, he has worked as a delivery driver for DoorDash. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated services.

Michael Rosloniec is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individuals and institutional clients. The firm emphasizes structured financial planning supported by its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Raymond Schat is a financial advisor with Raymond James Financial Services Advisors, Inc. in Grand Rapids, MI, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Raymond James and Guide Point Financial Partners, as well as employment at Calvin College. He serves as a deacon and president of the deacon committee at Hudsonville Protestant Reformed Church, where he oversees church finances and assists community members in need. 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, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using analytical tools and supports a broad advisor network, with a notable affiliation in municipal advisory services.

Kyle Trevino is a financial advisor at Ameriprise with 18 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2015. Outside of his advisory role, Trevino serves as Vice President on the board of the Three Days Foundation, a private family nonprofit focused on assisting individuals facing financial, emotional, or physical distress. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Brian Adams is a financial advisor at Raymond James & Associates with 12 years of industry experience. He previously worked at Merrill for 10 years before joining Raymond James in 2023. Adams holds the Series 66 designation and is based in Grand Rapids, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Nathan Raymond is a financial advisor with Raymond James Financial, holding the CFP® and Series 66 designations and having eight years of industry experience. He has worked at Al Bruchnak Financial Services and Raymond James Financial Services Advisors, Inc. in various roles since 2017. Nathan is also involved in writing disability insurance contracts as part of his activities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, corporate, and nonprofit clients. The firm provides non-discretionary planning tailored to client goals and supports a broad advisor network with specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

Nelson Schrader is a Series 66-licensed financial advisor with Ameriprise, based in Grand Rapids, MI, and has eight years of industry experience. His prior roles include positions at Spectrum Health Innovations, LPL Financial, and PRA Global Business Development. Schrader is also involved as a financial planner with H&S Companies. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, utilizing proprietary research, algorithmic tools, and a collaborative implementation process.

Douglas Postma is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 27 years of industry experience. He has been associated with Cetera and Cetera Financial Specialists LLC since 2005 and has served as president and owner of Trillium Financial Advisors since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Maxwell Carlson is a financial advisor at Morgan Stanley with two years of industry experience and holds the Series 66 designation. Prior to his current role, he worked at L3Harris Technologies and was involved with the Amateur Athletic Union and Brevard County Ocean Rescue. Outside of finance, he is a partner in a musical act called New Troy. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and firm-approved tools but does not offer individual security recommendations as part of its standalone planning service.

Kimberley Hamilton is a financial advisor at LPL Financial with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Voya Financial Advisors and Morgan Stanley Smith Barney. Outside of her advisory role, she is a co-owner of a real estate rental business. 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.

Stephen Paneral is a financial advisor with Raymond James & Associates in Grand Rapids, MI, holding Series 63 and Series 65 licenses and 35 years of industry experience. His prior roles include positions at The Huntington Investment Company, Cetera Investment Advisers, and Charles Schwab. 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, pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Stephen Carter is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Royal Alliance Associates, Signator Investors, Royal Securities Company, and Regal Investment Advisors. Carter holds a vice president position with a local condo association in Ada, MI. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing technology and extensive non-advisory financial activities.

Luke Nederveld is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2024. His background also includes roles at Grand Valley State University, Oa Private Capital, and Plante Moran. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Gary Holvick Jr. is a CFP® and ChFC® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2022. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for seven years. Holvick is involved in his own business ventures, including ownership roles in several LLCs and a consulting practice focused on management and business operations for non-publicly traded companies. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering comprehensive brokerage and advisory services. Its advisers utilize asset-allocation tools and third-party platforms to construct portfolios across various asset classes with discretionary or non-discretionary management options.

Jeremy Moore is a Series 66-licensed financial advisor at Ameriprise in Byron Center, MI, with 18 years of industry experience. He has been with Ameriprise and its related entities since 2007. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Samuel Devries is a financial advisor at OSAIC with Series 63 and Series 65 credentials and five years of industry experience. He has worked at RSC Advisors and OSAIC Wealth, Inc., and has held roles outside the financial sector including at South Christian High School and Davenport University. He also serves as successor trustee for a family revocable trust. OSAIC Wealth, Inc. serves a diverse client base including retail, high-net-worth investors, and institutional clients through a broad network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools that incorporate asset allocation, risk tolerance, and automated rebalancing, supporting both discretionary and non-discretionary management.

Micah Bykerk is a financial advisor with Raymond James Financial, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Grand Valley State University and Soak Irrigation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through unique affiliations.

Rua Hekhuis is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings extensive experience working with clients who have complex financial needs, including entrepreneurs, professionals, and individuals involved in executive compensation, family wealth management strategies, legacy planning, and retirement income. Rua's approach emphasizes customized guidance tailored to each client's unique goals and life circumstances, leveraging the resources of Merrill and Bank of America to meet evolving client objectives. Rua holds a Master's Degree in Marketing and Management from the Rinker School of Business at Palm Beach Atlantic University and a Bachelor of Science in Marketing and Management with minors in Entrepreneurship, Social Sciences, and Economics from Northwood University. She is a CERTIFIED FINANCIAL PLANNER® and holds additional designations including Chartered Retirement Planning Counselor™, Sports & Entertainment Accredited Wealth Management Advisor™, and Personal Investment Advisor. Rua has been recognized on the Forbes "Top Women Wealth Advisors Best in State" list for consecutive years. Outside of her professional role, Rua resides in Spring Lake with her husband and two dogs. She dedicates time to support organizations such as the Humane Society of West Michigan and is involved with Michigan State University College of Human Medicine, Michigan Woman Forward, Paws with A Cause, and the Women's Resource Center. Her personal interests include running, biking, gardening, reading, martial arts, skiing, golfing, hiking, interior decorating, traveling, watching movies, and yoga.

Michael Gruszynski is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, businesses, and families to simplify the financial landscape and navigate the uncertainties of money and investing using a goals-based wealth management approach. His areas of expertise include retirement planning, tax minimization strategies, investment management, estate planning, wealth transfer, and legacy planning. He also has a segment of his practice dedicated to sports and entertainment professionals, endowments, nonprofits, and foundations. Prior to joining Merrill in 2019, Michael accrued over 10 years of experience in the technology and marketing industries. He holds two bachelor's degrees in Technology from Michigan State University. He has earned professional designations including Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Born and raised in Michigan, Michael is engaged in his community through involvement with Big Brothers Big Sisters in Battle Creek, MI. His personal interests include golf, fly fishing, bourbon tasting, and supporting Detroit sports teams. He is married to Meghan and they have two young boys and a golden retriever named Moose.