Randy Valentine is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has been with Raymond James since 2008. Outside of his advisory role, he is the owner of Valentine Financial Svcs LLC, a support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

James Hamilton Jr. is a CFP® professional with 32 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Voya Financial Advisors and JGH & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

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 credentials and has worked previously at Royal Alliance Associates, Inc., Signator Investors Inc., and Royal Securities Co. Tuinstra serves as treasurer and director of the Doris Tuinstra Foundation, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Paul Cook is a financial advisor at LPL Financial in Grand Rapids, MI, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Langschied Financial, LPL Enterprise, Prudential Advisors, and Bank of Ann Arbor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and wealth management services supported by model portfolios, research, and technology solutions.

Rachel Mraz is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career with Merrill Lynch in 2000 in New York City before returning to Grand Rapids in 2003 to join the local team. Rachel works with individuals, foundations, and retirement plans to define their financial goals and implement appropriate strategies through a process that includes goal setting, strategy determination, implementation, and ongoing performance review. She holds a Bachelor's Degree from Cornell University and a Master's Degree from the American College. Rachel has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Advisor in Philanthropy (CAP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Rachel is involved in the Grand Rapids community through her service on the boards of Davenport University Board of Trustees, Davenport University Foundation, Economic Club of Grand Rapids, Equest Center for Therapeutic Riding, and John Ball Zoo. She and her husband enjoy traveling, cooking, golfing, and spending time with friends and loved ones.

Jody Tuinstra is a financial advisor with Ameriprise in Hudsonville, MI, holding a Series 66 designation and six years of industry experience. Prior to joining Ameriprise in 2017, Jody worked at Jenison Public School for two years. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement who meet certain asset criteria, offering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these services through a centralized consulting team, with an emphasis on managing assets within Ameriprise accounts.

Carmen Solano is a financial advisor at Raymond James & Associates with 10 years of industry experience. She holds the Series 66 designation and previously worked at Merrill for 11 years before joining her current firm. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 financial advisors. The firm serves a broad client base including individuals, pension plans, corporations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

David Johnson is a Series 66-registered financial advisor with Edward Jones, based in Belmont, MI, and has 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

Nathaniel Dostal is a financial advisor with LPL Financial, holding the Series 66 designation and based in Wyoming, Michigan. He has one year of industry experience and previously worked at Wells Fargo. He has also been affiliated with Oakland Community College since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches with access to model portfolios and research.

Sara Smith is a financial advisor at Morgan Stanley with 27 years of industry experience. She has held her current role since 2009 with Morgan Stanley Smith Barney and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ellen Naber is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 65 credentials and has 18 years of industry experience. She has been with Ameriprise since 2016 and also serves as an Executive Elder on the Board of Directors at Providence Church in Holland, MI. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach involves a centralized service team producing tailored Recommendation Reports based on proprietary research and third-party data, with implementation handled by clients and their advisors.

David Veenstra is a financial advisor with Osaic and holds Series 63 and Series 65 licenses. He has 21 years of industry experience, including 20 years at Equity Services, Inc. He is also active as a musician through a sole proprietorship. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm uses asset-allocation tools, risk-tolerance assessments, and efficient-frontier analysis to construct diversified portfolios across various asset classes.

Derek Sall is a financial advisor with LPL Financial holding a Series 66 credential and one year of industry experience. His prior work includes roles at H&S Companies, U of M Health West, and Calvin University. 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 provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Nicholas Sieggreen is a financial advisor at Ameriprise with two years of industry experience and holds the Series 66 designation. His prior roles include positions at Monroe, Sweeris & Tromp and Pennell CPA, as well as teaching engagements at Davenport University, University of Pittsburgh, Ferris State University, and Hudsonville Public Schools. He is also involved in providing financial planning and tax preparation services through separate business activities. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations. The firm serves a broad client base and provides advisory, brokerage, and insurance solutions typical of large institutional firms.

Kevin Cusack is a financial advisor with Stifel in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, Cusack manages his family’s farming operations, serves on the board of a college foundation, participates in veterans’ event planning, and holds several advisory and board positions related to publishing, education, and community development. Stifel serves a diverse clientele including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies that incorporate forward-looking market assumptions and probabilistic modeling to support asset allocation and financial planning.

Gregory Bootsma is a financial advisor with Morgan Stanley in Grand Rapids, Michigan, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the sole proprietor of an equipment rental business in Byron Center, Michigan. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Jonathan Wendt is a CFP® professional with 12 years of industry experience, currently serving at LPL Financial since 2014. He operates in Kentwood, MI. Outside of his advisory role, he is involved with Wendt Financial Services, Inc., a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Scott Voltz is a financial advisor with LPL Financial in Kentwood, MI, holding a Series 66 credential and over one year of industry experience. His background includes independent contracting since 2015 and a position at Milken Community Schools. Outside of financial advising, he is actively involved in coaching and refereeing water polo at multiple collegiate and national organizations. 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 provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management and offering model portfolios supported by in-house and third-party research.