Randy Bettich is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Stifel Nicolaus & Co., Inc., Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Bettich serves on the boards of the LMC Foundation and the Humane Society of Southwestern Michigan and is involved with the Rotary Club of St. Joseph-Benton Harbor, where he co-chairs an annual high school track meet. Morgan Stanley Wealth Management offers a variety of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Joanie Gilger is a financial advisor at Morgan Stanley in Kalamazoo, MI, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at 1st Source Bank and Gusto, as well as several years in the hospitality industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, with a focus on tailored financial planning supported by firm-approved tools and a structured discovery process.

Walker Wynkoop is a financial advisor at Ameriprise with 20 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Wynkoop is based in Richland, MI. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering tailored recommendations through a centralized consulting team that uses research and modeling to support tax-efficient withdrawal strategies and income planning.

Lori Nay is a CFP® professional with 17 years of industry experience, currently serving at Edward Jones since 2009. She holds a Series 66 license and is based in Richland, MI. Outside of her advisory role, she owns a real estate rental business, Inovar LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

George Smojver is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Ameriprise in Kalamazoo, MI. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is involved in business operations for FSCP, LLC, which supports shared infrastructure and continuity planning among team members. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research-driven, algorithm-supported recommendations with personalized financial advice. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Victoria Brown is a financial advisor with Equitable Advisors in Kalamazoo, MI, holding a Series 66 designation and beginning her advisory role in 2026. Her background includes experience in political service with the Michigan House of Representatives and work in education and retail. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, institutions, and charitable organizations. The firm utilizes a range of third-party advisory programs and emphasizes matching clients to suitable investment models and managers.

Richard Behan Sr. is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 33 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 26 years with FSC Securities Corporation. Outside of his advisory role, he serves as vice president of Eastfork Ranch LTD, an equestrian-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party investment strategies supported by advanced operational tools.

David Ackley is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 license and has worked at Equitable Advisors since 2024. Prior to his current role, he has held positions in education and the beverage distribution industry. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset management programs. The firm uses a range of investment approaches, including third-party advisory models and proprietary programs, to tailor solutions to client needs.

Mark Sansom is a Series 66-licensed advisor with Raymond James Financial, based in Plainwell, MI, and has one year of industry experience. Prior to his advisory role, he spent 17 years with Discount Tire Company. He is also involved with Majestic Financial, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary advisory approaches and advanced analytical tools.

William Sanders is a CFP® and ChFC® with 32 years of experience in the financial services industry. He currently works at Cetera, where he has served since 2026. His prior experience includes roles at Commonwealth Financial Network from 2016 to 2026 and Ameriprise from 2010 to 2016. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients nationwide. The firm offers portfolio management, financial planning, ERISA retirement services, and access to a range of third-party managers, managing over $256 billion in assets through more than 10,000 advisors.

Mark Hiegel is a financial advisor with Equitable Advisors in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor Axa Advisors, LLC. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach involves assessing clients' risk tolerance and matching them to various program models or discretionary managers, utilizing both proprietary and third-party asset management solutions.

Darlene Hybels is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. She has been with Raymond James & Associates since 1999. Outside of her advisory role, she serves on the Finance/Investment Committee of the YWCA of Kalamazoo, where she reviews investment and spending policies for endowed funds. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipalities, offering financial planning and consulting with a variety of portfolio management styles supported by affiliated research and sub-advisers.

Matthew Weaver is a financial advisor with J.P. Morgan Securities in Kalamazoo, MI, holding Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at Empower, Mercantile Bank, Kalsee Credit Union, and Huntington National Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its recommendations and offers capabilities in derivatives and commodities through its broader regulatory registrations.

Justin Peterman is a financial advisor with Raymond James & Associates in Kalamazoo, MI, holding a Series 66 designation and 13 years of industry experience. He previously worked for Edward Jones for 10 years before joining Raymond James in 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Sean Budlong is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones for 10 years. Outside of his advisory role, he is CEO of BW Majestic Financial LLC, operating under the Majestic Financial DBA, and is a partner in a real estate investment LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports various advisory programs, including municipal and public finance services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Tara Nulty is a Senior Resident Director specializing in wealth management with over 10 years of direct experience in the field and 17 years in the financial services industry. She focuses on areas including family wealth management strategies, legacy planning, retirement income, philanthropic planning, and LGBT wealth planning. Tara works closely with clients to develop personalized financial strategies aimed at pursuing long-term goals amid changing market conditions. Before her current role, Tara held positions such as Executive Assistant to the Banc of America Global Head of Mergers & Acquisitions, Senior Management Team member at Barclays, and Analyst in Barclays Wealth Management. She holds a Bachelor's Degree from Boston College and is a Personal Investment Advisor (PIA) by professional designation. Tara participates actively in community organizations including the Elizabeth Upjohn Community Healing Center, South Haven Yacht Club, and Western Michigan University Theatre Guild. Her personal interests include boating, fishing, golfing, music, painting, scuba diving, sewing, singing, travel, and spending time with her family.

Amanda Bloomfield is a Series 66-licensed financial advisor with Raymond James & Associates in Kalamazoo, MI, where she has worked for 11 years. She has spent her entire industry career at Raymond James & Associates. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kendra Omans is a financial advisor with Raymond James Financial in Plainwell, MI, holding Series 65 and Series 63 licenses with two years of industry experience. She has worked at Raymond James Financial Services, Edward Jones, and Chemical Bank and Trust. Outside of advisory work, she is involved with Majestic Financial, a support company, and owns a rental property. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, supporting clients through advisory programs and maintaining specialized municipal and retirement plan consulting services.

David Anthony is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Bank. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and AI in portfolio management.

Heather Kakabeeke is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. She previously worked at Morgan Stanley from 2007 to 2014 and has been with Raymond James since 2014. Outside of her advisory role, she and her husband collaborate as independent contractors marketing clean crafted wine through Scout and Cellar. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services with a range of portfolio management styles, supported by extensive research and model manager options.