Tyler Staples is a CFP® professional at Raymond James & Associates with 19 years of industry experience. He has worked at Raymond James since 2017 and was previously with Wells Fargo Clearing for one year. 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, institutional clients, and charitable organizations, offering financial planning and consulting services that focus on tailored, non-discretionary strategies supported by firm research and a range of portfolio management styles.

Katie Rozen is a CFP® professional with 17 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Her prior roles include positions at TIAA-CREF, LPL Financial, PNC Wealth Management, and Edward Jones. She is based in Grand Rapids, MI. 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 uses research-driven investment strategies and offers a broad range of brokerage and advisory solutions supported by extensive resources and analytics.

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 two years of industry experience. He holds the Series 66 designation and began his tenure at J.P. Morgan in 2025. Prior to entering financial services, Houle was involved in various entrepreneurial ventures, including roles at Housler Restaurant Inc. and Kalamazoo Beer Exchange. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. The firm’s advisory process integrates quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

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 and bringing 28 years of industry experience. She previously worked at Ameriprise and Ameriprise Financial Services, Inc. for a combined 20 years. Outside of advisory work, she is involved with Pull Barn Enterprises, a business entity for tax and investment purposes. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Andrew Soontharotoke is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 designation and offering 10 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he serves as co-chair of the fundraising committee for the East Lansing Rotary’s annual golf outing supporting local high school students. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Smith is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and possessing 39 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2017 and previously held roles at Regal Investment Advisors LLC and American Portfolios Financial Services. Additionally, Smith serves on the board of the University Club of Grand Rapids and owns businesses involved in insurance and employee benefits administration. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides discretionary and non-discretionary management using various platforms and offers access to third-party advisers and proprietary model strategies.

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.

Baron Davis is a financial advisor at Raymond James Financial with a Series 66 credential and one year of industry experience. His prior work includes roles at Thrivent Financial, Willis and Machnik Financial Services, and Avantax Investment Services. Outside of finance, he has experience with Spring Arbor University and worked at Shipt Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm employs a tailored, non-discretionary approach using risk profiling and analytical tools, and it supports specialized services such as municipal advisory and SIMPLE IRA employer consulting.

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.

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.

David Van Der Klok is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities since 2012, including time at JPMorgan Chase Bank and Chase Investment Services Corporation. Outside of his advisory role, he owns a business renting storage space in a pole barn in Mecosta, MI. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary asset allocation and manager search program supported by centralized due diligence and both quantitative and qualitative research.

Kevin Moore is a financial advisor with Merrill in Grand Rapids, MI, holding Series 63 and Series 66 credentials and over 26 years of industry experience. He has worked with Merrill since 2010 and Bank of America, N.A. since 2011. Moore serves as a trustee for a family irrevocable trust and holds power of attorney responsibilities for family members. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Ross Poll is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses and is based in Grand Rapids, MI. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Brad Collar is a Wealth Management Advisor at Merrill Lynch in the Grand Rapids office, a position he has held since 1990. He specializes in total wealth management, tailoring solutions to clients’ risk tolerance, time horizon, liquidity needs, and overall investment objectives while considering costs. Brad employs a defined process that emphasizes understanding each client's unique circumstances to establish objectives, develop strategies, provide recommendations, and regularly review progress toward financial goals. He works closely with clients to ensure their financial plans remain aligned with their personal situations and draws upon Merrill specialists to implement strategies that address individual financial objectives. Brad’s areas of expertise include college education planning, services for endowments, foundations, and non-profits, personal retirement planning, philanthropic planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Retirement Income Certified Professional (RICP). Brad earned a bachelor's degree from Albion College. He is involved in his community through participation with Ada Bible Church, Habitat for Humanity, and youth sports. Outside of work, Brad engages in various personal interests, including boating, fishing, football, golfing, hunting, running, scuba diving, skiing, skydiving, and traveling.