David Kasprzak is a financial advisor with Morgan Stanley in Grand Rapids, MI, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ellen Bylsma is a financial advisor at LPL Financial with 26 years of industry experience. She holds the Series 66 designation and has worked previously at Sagepoint Financial, OSAIC Services, and Sunamerica Securities. In addition to her advisory role, she is involved in insurance sales focusing on life, health, disability, long-term care, and fixed annuities. 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 financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor-facing technology and a broad suite of non-advisory financial products.

Ryan Fulton is currently Vice President and Branch Leader at Fidelity Investments. In this role, he leads, manages, and inspires a team of financial professionals to help clients work towards achieving their personal financial goals. He has held various positions within Fidelity Investments since 2020, progressing from Central Relationship Manager to Planning Consultant, Financial Consultant, Branch Leader, and currently Vice President, Branch Leader. Prior to joining Fidelity Investments, Ryan worked as an Advisor Consultant at Franklin Templeton Investments from 2017 to 2020. His experience spans client relationship management, financial consulting, and branch leadership within the investment management sector.

Jonathan Lash is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. Outside of his advisory role, Lash is involved in part-time work as an Uber driver and operates businesses focused on productivity blogging and designing directory websites, neither related to financial topics. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal and third-party management with various asset allocation approaches.

Jacob Brugger is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. His prior work includes roles at Target Corporation and Grand Valley State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs.

Andrew Bopra is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2021. Prior to this, he held roles at Matthew Cinco, Bridgepoint Wealth Management, and various insurance carriers. Outside of his advisory duties, he manages a home-based business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a variety of investment strategies.

Andrew Johnson is a financial advisor with Edward Jones in Belmont, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2025, he spent 12 years at Trane Technologies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

Peter Vanderschaaf is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Stifel since 1988. Vanderschaaf serves as treasurer on the board of the Dutch Reformed Translation Society and is a board trustee for the Akademie Fur Reformatorische Theology, a theological seminary in Germany. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Andrew Wilson is a financial advisor at Stifel in Grand Rapids, MI, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has worked at Stifel since 2016 and previously spent nine years at Oppenheimer. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, focusing on asset allocation and financial planning analyses to support client decision-making.

Mary Couch is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and five years of industry experience. She is currently the practice manager at Healy Financial, supporting other financial advisors in their business operations. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to affiliated and third-party managers and various program structures.

Justin Gritter is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Edward Jones since 2005. He has been involved in community activities, including serving as a committee member for the Wylie Rotary Club Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branch offices.

Randy Valentine is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 24 years of industry experience. Valentine has worked with Raymond James since 2008 and owns Valentine Financial Svcs LLC. 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, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and supports clients through advisory programs and institutional consulting services.

James Hamilton Jr. is a CFP®-designated financial advisor with over 33 years of industry experience. He is currently with LPL Financial and has previously worked at Voya Financial Advisors, Inc. and Jgh & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors and supports both discretionary and non-discretionary strategies.

Dylan Mahaffey is an Investment Consultant at Fidelity, where he partners with individuals and their families to develop financial strategies tailored to their specific goals and aspirations. He utilizes the suite of tools and resources available through Fidelity to provide education and transparency, helping clients feel confident in their financial plans. He joined Fidelity Investments as a Financial Representative in 2024 and transitioned to his current role as an Investment Consultant in 2025. Dylan's experience focuses on collaborating with clients to co-create strategies that align with their financial objectives. Outside of his professional role, Dylan has personal interests in cars, fitness, social events with friends, and soccer.

Mary Beth Norris is a financial advisor with Ameriprise in Caledonia, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. Her prior roles include positions at Cetera and Summit Financial Group. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized consulting team.

Jacob Tuinstra is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with Royal Alliance Associates, Signator Investors Inc, and Royal Securities Co. Outside of his advisory role, he serves as treasurer and director on the Doris Tuinstra Foundation board and owns a business called Fit Express, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions with a range of offerings including financial planning, model portfolios, third-party asset management, and institutional platforms.

Paul Cook is a financial advisor with LPL Financial based in Grand Rapids, MI. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial, he worked at Bank of Ann Arbor and held roles at several other firms including Prudential Advisors and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions incorporating model portfolios, third-party subadvisors, and customized strategies.

Amanda Boyd is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 2007 and has also worked at Bank of America since 2018. 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, offering model-based and discretionary strategies supported by internal and third-party investment teams for a variety of individual and institutional clients.

Rachel Mraz is a Wealth Management Advisor at Merrill Lynch Wealth Management, focusing on family wealth management strategies, institutional consulting, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, and serving women and wealth. She works closely with individuals, foundations, and retirement plans to define their financial goals, implement tailored strategies, and review performance regularly. Ms. Mraz holds a Bachelor's Degree from Cornell University and a Master's Degree from the American College. She has earned several professional designations, including Chartered Advisor in Philanthropy (CAP), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). These credentials reflect her commitment to maintaining expertise in financial planning and wealth management. She is involved in her community through board memberships with Davenport University Board of Trustees, Davenport University Foundation, Economic Club of Grand Rapids, Equest Center for Therapeutic Riding, and John Ball Zoo. In her personal time, Rachel enjoys boating, cooking, golfing, skiing, and traveling.

Carmen Solano is a financial advisor at Raymond James & Associates with 10 years of industry experience. She previously worked at Merrill for 11 years before joining her current firm. Solano holds a Series 66 designation and is based in Grand Rapids, MI. 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.