Patrick Moss is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their families to develop financial plans tailored to their unique needs. He has been in this role since 2025. Prior to joining Fidelity Investments, Patrick gained experience in various financial advisory positions. He worked as a Wealth Management Advisor at Slavic401k from 2024 to 2025 and as an Account Manager at the same firm from 2023 to 2024. Before that, he served as a Financial Solutions Advisor at Merrill from 2022 to 2023. Patrick began his career as an Advisor Development Program Relationship Manager at Bank of America from 2020 to 2022. Outside of his professional work, Patrick has interests in fitness, food, music as an instrumentalist, tennis, and traveling.

Stephen Scholler is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 designations and 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Scholler serves as a trustee and personal representative for friends and former clients in investment-related capacities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menu.

Anthony Williams is a financial advisor with Ameriprise in Grand Rapids, MI, holding a Series 66 designation and 12 years of industry experience. He previously worked at PNC Investments for eight years and Edward Jones for three years before joining Ameriprise in 2025. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation to deliver tailored retirement income advice.

Philip Streng is a financial advisor with Edward Jones in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Edward Jones since 1996. Outside of his advisory role, he is a shareholder in a car wash business and involved as a limited partner in a venture capital network. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors.

Admir Lugonjic is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and ten years of industry experience. He has been with Robert W. Baird since 2016. Outside of his advisory role, Lugonjic serves as President of K&M Transport, Inc., a private company, and is Treasurer on the board of directors for the Grand Rapids Ballet, where he participates in strategic planning. He is part of the DDK Group within Baird’s Private Wealth Management practice, which advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group offers customized financial planning and portfolio management services, utilizing both in-house and third-party managers across traditional and complex investment strategies.

Mary Schanck is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2013. 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. The firm offers a range of model-based and discretionary investment strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ethan Anderson is a financial advisor with Raymond James Financial Services Advisors, Inc. in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior roles include positions at Birch Associates, Rehmann Financial, Wells Fargo Clearing, and Prudential Equity Group. He is also the owner of two support companies, EAA1, LLC and River Valley Wealth Management. 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, utilizing analytical tools to model potential outcomes and supports a broad network of advisors with specialized services such as municipal advisory and SIMPLE IRA employer consulting programs.

David Hoekstra is a financial advisor with Equitable Advisors in Grand Rapids, MI, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves individual clients—including both non‑high-net-worth and high-net-worth individuals—as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm provides financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions.

Joseph Whitmer is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds a Series 66 designation and has worked at several advisory firms, including Financial Engines Advisors L.L.C. since 2016 and The Mutual Fund Store from 2014 to 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process alongside planner delivery and online tools, offering both discretionary and non-discretionary investment options focused on diversified model portfolios and long-term orientation.

Colin Byers is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab & Co., Inc. since 2007 and Charles Schwab Bank since 2012. Based in Grand Rapids, MI, his career has been focused within the Schwab organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment options, and integrated custody and brokerage services.

Jenna Riley is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. She has prior experience at VOYA Financial Advisors and operates Riley Planning & Investments, a financial and insurance services firm. Riley serves as a board member of the Van Andel Institute, participating in community outreach and charity events. Cetera Investment Advisers LLC is a nationwide platform serving individual, corporate, retirement, charitable, and institutional clients, offering portfolio management, financial planning, and retirement services through a multi-manager approach with discretionary and non-discretionary options.

David Halvorson is a CFP® and ChFC® with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley. Halvorson is also the owner and founder of Windy Willow Co., a wellness brand based in Rockford, Michigan. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Robert Knapp is a financial advisor with Edward Jones in Hastings, MI, holding the Series 63 and Series 66 designations and 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he is a member of Rook Enterprises, LLC, a real estate business focused on managing an office building in Caledonia, MI. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Jordan Timmer is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. His work history includes roles at Cetera and Anchor Wealth Advisers, where he serves as owner. Outside of his advisory work, Timmer is a member of the finance and investment committees at the Ronald McDonald House of Western Michigan and Byron Center Christian School, contributing to budget reviews and fundraising efforts. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and consulting services. The firm operates a multi-manager platform that allows advisors to implement various model portfolios and bespoke strategies across multiple program structures and custodial relationships.

Jennifer Scharphorn is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on offering a comprehensive approach to managing wealth, beginning with understanding a client's financial situation and personal goals. Jennifer helps clients create customized wealth management strategies that can adapt to changing needs and market conditions, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Her areas of expertise include college education planning, divorce transition planning, family wealth management strategies, retirement income, and services for endowments, foundations, and non-profits. Jennifer holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her bachelor's degree from Grand Valley State University. Jennifer supports the Merrill tradition of community involvement by volunteering with local organizations. Outside of her professional role, she enjoys adventure sports, baseball, basketball, cooking, football, photography, skiing, spending time with her family, and traveling.

Sonya Niewiek is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley for 10 years. She is based in Grand Rapids, MI. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lucas Underwood is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Michigan Mortgage and managing a business called Mybarefootwedding from 2017 to 2020. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, combining various portfolio management styles and firm research to support client decisions.

Boston Knapp is a financial advisor at Edward Jones in Hastings, MI, holding a Series 66 credential with one year of industry experience. Prior to joining Edward Jones, he was a full-time student for 17 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Nicholas Venlet is a CFP® professional with 17 years of industry experience, currently affiliated with LPL Financial. He previously worked at Cambridge Investment Research Advisors and at LPL Financial in prior roles. Outside of his advisory work, he serves as a middle school basketball coach in East Grand Rapids, MI. 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 advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and advanced research tools.

June Matthysse is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2016. Outside of advisory duties, Matthysse is a notary public. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.