Steven Tibbitts is a CFP® professional with 32 years of industry experience, currently serving clients through Commonwealth Financial Network and his own firm, Tibbitts Financial Consulting, both since 2005. He is based in Allegan, Michigan, and holds a Series 63 license. Outside of his advisory work, Tibbitts is a board member of the City of Allegan Brownfield Redevelopment Authority. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including model portfolios and customized wealth management solutions, while delivering operational, compliance, and practice-management support to affiliated advisors.

Antwan Ward is a financial advisor with Fifth Third Securities, Inc. in Kalamazoo, MI, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Fifth Third Securities since 2018 and has worked at Fifth Third Bank since 2011. Outside of his advisory role, he is an owner of LionLync LLC, a holding company. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account options and features such as direct indexing and a tax-overlay service, supported by its affiliation with Fifth Third Bank and partnerships with National Financial Services and Fidelity Institutional Wealth Adviser.

Samuel Grusin is a financial advisor with Fifth Third Securities, Inc. in Kalamazoo, MI. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining Fifth Third Securities, he worked at Fifth Third Bank starting in 2017. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutional accounts, offering investment advisory and brokerage services through multiple program types on the Passageway Managed Account platform. The firm is a wholly owned subsidiary of Fifth Third Bank and operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor.

Ronald Wiser is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) at Kestra Advisory with 58 years of industry experience. He has been with Kestra Advisory and Kestra Investment Services since 2016 and has extensive prior experience at Western Reserve Life Insurance dating back to 1967. Outside of his advisory work, Wiser serves on the board of the Michigan Education Trust and is president of the Old Harbor Village Condo Association. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse client base, including institutional investors and plan sponsors. The firm offers fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving clients with approximately $79.8 billion in assets under management.

Denise Garten is a financial advisor with Kestra Advisory in Kalamazoo, MI, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with Kestra Advisory and Kestra Investment Services since 2016 and also operates The Wiser Financial Group as a Certified Wealth Strategist. Garten serves as president of the Southwest Michigan Amputee Resource Group, an amputee support organization. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including plan sponsors and institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and utilizes multiple management platforms and third-party solutions, serving a wide range of clients including large institutional investors.

Joseph Pearcy is a financial advisor at Principal Financial Services with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Securities Inc., Principal Life Insurance Company, MWA Financial Services Inc., and Modern Woodmen of America. Outside of advising, he owns Pearcy & Associates, LLC, a company that manages office space. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Wesley Lentz is a CFP® with 28 years of industry experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. He also acts as branch manager for The Wiser Financial Group, providing oversight in compliance and marketing for registered representatives in his branch. Lentz has a background as an independent insurance representative dating back to 2002. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base including plan sponsors, institutional investors, and individuals. The firm’s services include fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Kelly Liebbe is a Series 66-licensed financial advisor with FIFTH THIRD SECURITIES, Inc., bringing 18 years of industry experience. Prior to joining Fifth Third Securities in 2011, Liebbe worked at OSAIC Institutions, Inc., Wells Fargo Clearing, and Morgan Stanley & Co. LLC. Outside of his advisory role, he is involved in photography and assists with online merchandise sales through Take Root Movement, LLC. Fifth Third Securities serves a diverse client base, including individuals, high-net-worth clients, and institutions, offering investment advisory and brokerage services through multiple program types on the Passageway Managed Account platform. The firm operates as a wholly owned subsidiary of Fifth Third Bank and manages approximately $10.9 billion in assets with over 900 advisors.

Kevin Mazer is a CFP® with 42 years of industry experience, currently affiliated with Commonwealth Financial Network since 2005. He is the sole owner of a vehicle and computer restoration company and serves as an elected precinct delegate for Texas Township Precinct 5 in Kalamazoo, MI. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm provides a broad platform including discretionary and nondiscretionary managed account programs, third-party asset manager access, and custody services.

Matthew Ter Avest is a CFP® certificant affiliated with Commonwealth Financial Network, with three years of industry experience. He has worked at Commonwealth Financial Network and Tibbitts Financial Consulting and was previously employed at Voisard Asset Management Group. Outside of advisory work, he has engaged in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm provides a range of managed-account programs, third-party asset manager access, and custody services, serving both individual and institutional clients.

Bert Verduzco is a financial advisor with Principal Financial Services holding a Series 66 designation and one year of industry experience. His background includes roles at Principal Securities, Principal Life Insurance Company, Seizert Capital Partners, and positions in educational institutions such as Hillsdale College and Hackett Catholic Prep. He is also involved in the sale of fixed insurance products including fixed annuities and life insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Mark Stegink is a financial advisor with Kestra Advisory who holds the CFP® and ChFC® designations and has 22 years of industry experience. He has been with Kestra Advisory since 2016 and has involvement in other business activities including co-owning Secret Squirrels, LLC and serving as a general member of The Chamber of Grand Haven, Spring Lake, and Ferrysburg. Additionally, he assists with audio amplification for concerts and musical performances through Amplified Audio. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors, institutions, and individuals. The firm offers a range of services from fiduciary consulting to plan-level investment advice and manages approximately $79.8 billion in assets, serving clients such as sovereign wealth funds and offering complex investment solutions through multiple platforms.

Eric Sweeney is a financial advisor with Goldman Sachs Wealth Services, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. He previously worked at The Ayco Company, L.P./Mercer Allied for seven years before joining Goldman Sachs in 2018. Goldman Sachs Wealth Services advises a diverse client base including individual investors, executives, corporate and institutional clients, offering financial planning, portfolio management, and specialized programs such as Private Family Office and Executive Wealth services. The firm utilizes integrated strategic and tactical allocation models, manager selections, and proprietary analytics, supported by the broader Goldman Sachs ecosystem.

Richard Geib is a CERTIFIED FINANCIAL PLANNER™ professional with over 51 years of industry experience. He has worked at Kestra Advisory since 2016 and has held roles including independent insurance agent and positions at Aetna Life and Casualty dating back to 1979. Based in Kalamazoo, MI, Geib provides financial planning and investment advisory services through Kestra, occasionally handling fixed insurance products. Kestra Advisory Services delivers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving large institutional clients such as sovereign wealth funds.

Joshua Jorgensen is a financial advisor at Fifth Third Securities, Inc. in Kalamazoo, MI, holding Series 63 and Series 65 licenses with seven years of industry experience. He has been with Fifth Third Securities since 2019 and has additional experience with Fifth Third Bank and Ferris State University. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, corporations, and trusts through both investment advisory and brokerage services. The firm offers multiple managed account programs and utilizes third-party portfolio managers, providing clients with a range of investment strategies and customization options.

James Parker is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and 34 years of industry experience. He has been with Commonwealth Financial Network since 2005. Outside of advising, he is a 25% owner of an entity that owns the branch office building in Portage, MI. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients, managing over $212 billion in assets. The firm provides a broad platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

Gregg Eicholtz is a financial advisor with Fifth Third Securities, Inc. in Portage, MI. He holds Series 63 and Series 65 licenses and has 17 years of industry experience, including 15 years at Fifth Third Securities. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly-owned subsidiary of Fifth Third Bank.

Stacey Sears is a Series 63 licensed financial advisor with 26 years of industry experience. She has been with Wells Fargo Clearing since 2016. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Madeleine Camilli is a financial advisor at LPL Financial with two years of industry experience. She holds the Series 66 designation and has worked at Advia Credit Union and LPL Financial, primarily in Michigan. Camilli also serves as a notary for Advia Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies.

Mark Flenniken is a financial advisor at Osaic Wealth with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at FSC Securities Corporation and Mass Mutual Investors Services. Outside of his advisory role, he owns Omega7, a sole proprietorship focused on business succession planning and insurance services, and acts as a general agent for a property and casualty insurance brokerage. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization supported by various analytical tools and allows advisors to implement discretionary and non-discretionary strategies along with third-party manager selections.