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.

Zachary Hunt is a financial advisor with Ameriprise in Grand Rapids, MI, holding a Series 66 designation and six years of industry experience. He has been with Ameriprise and its affiliated entities since 2018 and previously worked at JMS of Holland, Inc. from 2011 to 2018. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers recommendations through a centralized consulting team in partnership with advisors like Hunt.

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.

Bronson Hindman is a financial advisor with OSAIC based in Grand Rapids, MI, holding Series 63 and Series 65 credentials and 22 years of industry experience. He previously worked at Signator Investors, Inc. for 16 years before joining Royal Alliance Associates, Inc., where he has been for eight years. Outside of his advisory role, he is involved as an insurance broker, providing property, casualty, life, annuities, and long-term care insurance services. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs firm-provided asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include various asset classes managed on discretionary or non-discretionary bases.

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.

Adam Jenkins is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and two years of industry experience. His prior work includes roles at Northwestern Mutual and various business ventures. Outside of advisory work, he is the managing member of a tanning salon business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm emphasizes broad planning topics and offers clients the option to combine planning with managed accounts under a consolidated billing program called WealthPlan.

Craig Van Ess is a financial advisor with Edward Jones in Grand Rapids, MI, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Cetera Investment Services, West Shore Bank, Bank of America, and Merrill Lynch. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a network of more than 23,000 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Dijak is a financial advisor at Ameriprise with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Transamerica. Outside of his advisory role, he is involved with Dijak Consulting, PLC, where he performs marketing and administrative work. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focusing on income sources and tax-aware withdrawal strategies.

Kimberley Hamilton is a financial advisor at LPL Financial with 42 years of industry experience. She has held roles at Morgan Stanley Smith Barney and Voya Financial Advisors prior to joining LPL in 2021. Hamilton holds Series 63 and Series 65 designations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

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 financial advisor with LPL Financial in Ada, Michigan, holding a Series 66 designation and bringing 13 years of industry experience. His prior roles include positions at Royal Alliance Associates, Signator Investors Inc, and Royal Securities Company. He serves as vice president of the Covered Village Mall Owners Association, a local condominium association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

Rachel Hughes is a financial advisor with Robert W. Baird & Co. in Allendale, MI, holding a Series 66 designation and 19 years of industry experience. She has been with Robert W. Baird & Company since 1998. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a mix of in-house and third-party managers across traditional and non-traditional investment strategies.

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.

Peter Chadwick is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI. He holds the ChFC® designation and has 29 years of industry experience. Since 2005, he has worked at MassMutual Life Insurance Co and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance sales through Pinnacle Wealth Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements that use firm-approved analytical tools and also provides specialized planning services including divorce and estate settlement planning.

John Perras is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Mass Mutual Investors Services since 1983 and MassMutual Life Insurance Company since 1982. Outside of his advisory role, he is also an insurance agent with Pinnacle Wealth Advisors LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses analytical tools and structured planning to deliver collaborative, annual financial planning engagements without discretionary investment authority.

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.