Esther Gerber is a CFP®-certified financial advisor at LPL Financial with nine years of industry experience. She has previously worked at Jackson National Life, Northwestern Mutual, and Andy S Hoezee. Esther is also the owner of Liberform LLC, a non-investment related business. 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 variety of advisory programs, financial planning, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Matthew Strong is a financial advisor at Edward Jones in Grand Haven, MI, holding Series 63 and Series 66 designations with 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

David Cramer is a financial advisor at Morgan Stanley with 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and associated with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is involved in farming as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Tracy Adams is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Ameriprise, Osaic Institutions, CETERA Advisor Networks, and Investacorp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth clients—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, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Tevin Shackelford is a financial advisor with LPL Financial in Ravenna, MI, holding a Series 66 designation and eight years of industry experience. He has worked at LPL Financial since 2019 and previously at Hantz Group and Walgreens. Outside of his advisory role, he serves as a basketball referee through the Michigan High School Athletic Association and works as a driver for rideshare companies. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Samuel Hansen is a financial advisor at Fidelity with three years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments as well as Thrivent Investment Management and Thrivent Financial. Fidelity’s Strategic Advisers LLC, where Hansen is based, provides investment management and advisory services to retail and institutional clients using a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is registered as a commodity pool operator and serves as an advisor to multiple registered investment companies and fund-of-funds, utilizing AI and systematic methodologies in its processes.

Jason Lillmars is a financial advisor at LPL Financial with 10 years of industry experience. He holds the CFP® and PFS™ designations and previously worked at Avantax Advisory Services and related firms for five years. Outside of financial advising, he is involved in tax preparation and accounting services through Strategic CPA Accounting & Tax Solutions LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, retirement consulting, and brokerage services supported by research and model portfolios.

Benjamin Genser is a financial advisor with J.P. Morgan Securities in Grand Haven, MI, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at various J.P. Morgan entities since 2014 and currently serves on the board of the Ottawa County Economic Development Corporation and Brownfield Redevelopment Authority. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Julie De Santo is a financial advisor with Edward Jones in Grand Haven, MI, holding a Series 66 designation and 13 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Matthew Hineman is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2017, with prior experience at Jackson National Life Insurance and Western Michigan University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Kevin Jarchow is a financial advisor at LPL Financial with 34 years of industry experience. He has been with LPL Financial since 2005 and holds the Series 63 and Series 65 licenses. Outside of his advisory role, he is involved with Summit Professional Business Services, LLC, a managing member of which he is, handling leased office space for his wealth management business, and he also works as a non-variable insurance agent through InSphere Insurance Solutions, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Jeffrey Groshek is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 13 years before joining Raymond James in 2022. He is also president of Global Trends Wealth Management, LLC, an advisory practice based in Norton Shores, MI. 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 institutions. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and has specialized capabilities in municipal advisory and SIMPLE IRA employer consulting.

Mary Heitzman is a CFP® certificant with six years of industry experience. She is currently with LPL Financial and has held positions at United Planners Financial Services, Cetera Advisor Networks, and Success Financial Group, among others. Prior to her financial advisory career, she worked at Herman Miller and spent seven years in full-time education. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with a broad range of investment options and technologies.

Nathan Whipple is a financial advisor with Edward Jones in Muskegon, MI. He holds the ChFC® designation as well as Series 63 and Series 66 licenses, and has 19 years of industry experience, including over 20 years with Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, affiliated mutual funds, and tax-efficient services, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Zachary Flynn is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and previously worked for Daybreak Foods for eleven years. 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 and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and tax-efficient services.

Karen Hill is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. She has worked at Cetera since 2021 and previously at VOYA Financial Advisors for seven years. Hill is also the owner and president of Financial Investments Services Group, Inc., a firm involved in the sale and service of insurance, securities, and investment products. Cetera Investment Advisers LLC serves a broad client base including individuals, 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 with access to various program structures and third-party managers.

Lawrence Louzon is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Scottrade. J.P. Morgan Securities provides institutional consulting services to 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Bryce Kelley is a financial advisor with LPL Financial in Ravenna, MI, holding a Series 66 designation and five years of industry experience. He has worked at MaxWealth Management at Lake Michigan Credit Union since 2020 and has prior experience at Sysco and Michigan State University. 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. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research.

Rachel Chupailo is a financial advisor with Ameriprise in Norton Shores, MI, holding a Series 66 designation and five years of industry experience. She has been with Ameriprise and its related entities since 2018 and previously worked at Charter Communications. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing detailed 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 non-discretionary, algorithm-assisted advice primarily focused on assets held within Ameriprise-managed accounts.

Rachelle Vanderwier is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.