Rachel Laug is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding a Series 66 designation and having 24 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she is a partner in a hair salon business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by structured planning tools and investment modeling.

Gregory Samuels is a financial advisor at Cetera with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Advisory Services, Avantax Investment Services, and Sagepoint Financial Inc. He is based in Wyoming, Michigan. Cetera Investment Advisers LLC is an SEC-registered firm 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 large network of independent advisors, utilizing various program structures and investment strategies.

Brian Machiela is a CFP® professional with 17 years of industry experience, currently affiliated with LPL Financial since 2021. His prior roles include work with Grandville Group LLC and Waddell & Reed, Inc. Outside of advisory activities, he is the owner of MachWest LLC, a company related to hunting land. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, 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 options, supported by research from LPL and third-party providers.

Ryan Vander Galien is a financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Newell Brands and Meijer. He holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Colby Green is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he was involved with Manna Development Group, LLC for 17 years. Fidelity’s Strategic Advisers LLC, where Green is based, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, including AI and large language models, to create model portfolios that are delivered to intermediary platforms.

Tyler Staples is a CFP® professional with 19 years of industry experience, currently affiliated with Raymond James & Associates since 2017. Prior to this, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He holds the Series 66 designation and is based in Grand Rapids, MI. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Katie Rozen is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the CFP® designation and the Series 66 license. Rozen has worked at Wells Fargo Clearing since 2016, with prior experience at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services, financial planning, retirement plan consulting, and combines research from Wells Fargo Investment Institute with third-party databases to support its investment process.

Mara Williams is a financial advisor at Robert W. Baird & Co. in Grand Rapids, MI, holding Series 63 and Series 66 designations with 23 years of industry experience. She has been with Robert W. Baird & Co. since 1996. She is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The firm offers customized financial planning and portfolio management services, including traditional and non-traditional investment strategies tailored to client goals and risk tolerances.

Benjamin Balbach is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 65 licenses. He has 37 years of industry experience, including roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and analytical tools, serving a broad range of retail and institutional investors.

Nathan Houle is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior experience at Equitable Advisors and Jpmorgan Chase Bank, N.A. Outside of finance, he has been involved in several business ventures including restaurant and hospitality operations. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Michael Behrens is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 33 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Behrens also owns and operates Behrens Wealth Management and is active as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management strategies and program options, supported by a large nationwide network of independent advisors.

Jim Jarvis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. He has been working in the financial advisory field since 2010, with prior experience as a Financial Advisor at Morgan Stanley from 2010 to 2012 and at Fifth Third Securities from 2012 to 2013. Jim's approach centers on listening and collaborating with clients to build effective financial plans tailored to their goals. His business beliefs and values focus on supporting clients in working toward their financial objectives.

Lisa Cargill is a financial advisor with LPL Financial in Grand Rapids, MI, holding the ChFC® and Series 63 designations. She has 28 years of industry experience, including 20 years at Ameriprise and Ameriprise Financial Services, Inc. In addition to her advisory role, she has been involved with Pull Barn Enterprises, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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 supported by in-house and third-party research, alongside various institutional and participant advice programs.

Mark Smith is a financial advisor at Cambridge Investment Research Advisors with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research Advisors since 2017. Prior to that, he worked at Regal Investment Advisors LLC and American Portfolios Financial Services. Smith also serves as a board member of the University Club of Grand Rapids and owns MW Smith & Associates LLC, an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using a variety of portfolio management and model-based solutions.

Tara Farkas is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Laurie Misiak is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

George Wit is a CFP®-designated financial advisor with 27 years of industry experience, currently practicing at Ameriprise. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in business ownership through LLCs related to office property management. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

James Tabb III is a financial advisor at LPL Financial with five years of industry experience and holds the Series 66 designation. His prior roles include positions at ICA Group Wealth Management, Greenleaf Hospitality Group, and the US Department of Defense's Edelweiss Lodge & Resort. 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 advisory programs, financial planning services, and retirement plan consulting, with access to model portfolios, research, and various investment strategies.

Mark Czarnecki is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Justin Leak is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this position, he collaborates closely with clients to develop personalized financial plans that align with their individual goals. His approach involves connecting with clients to understand their priorities, enabling him to provide tailored guidance, strategies, and education. Justin's experience in the financial industry includes roles as an Investment Consultant at Fidelity Investments in 2024, as well as positions at Cetera Investment Services from 2018 to 2024, where he worked as an Investment Executive and previously as a Sales Assistant. This progression reflects his growing expertise in investment consulting and financial planning. Outside of his professional work, Justin has interests in cars, cooking and baking, family activities, and music.