Justin Smith is a financial advisor with LPL Financial, holding the Series 66 designation. He has one year of industry experience, having previously worked at Gordon Water Systems for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Amy Fowler is a financial advisor with Edward Jones and holds a Series 66 designation. She has 2 years of industry experience and has been with Edward Jones since 2025, following an 18-year prior tenure with the same firm. Outside of her advisory role, she teaches crochet and knit classes and works as a store clerk at Threadbender Yarn Shop in Grandville, MI, and also designs crochet patterns sold on a web-based crafting platform. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Stephen Oberlin is a financial advisor at Raymond James & Associates in Grand Rapids, MI, holding a Series 66 designation with 10 years of industry experience. He has been with Raymond James since 2016. Outside of his advisory role, Oberlin is involved with Windchill LLC, a rental real estate business. 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 clientele including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Scott Embree is a financial advisor with OSAIC based in Grand Rapids, MI, holding a Series 66 designation and 16 years of industry experience. He has previously worked at Royal Alliance and Mass Mutual Investors Services/MassMutual Financial Group. Embree serves as president of the Michigan chapter of NAIFA, a nonprofit organization where he oversees monthly meetings and coordinates with committee chairpersons. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and supports multiple advisory platforms, including access to third-party money managers and managed account solutions.

Lori Saliers is a financial advisor with Wells Fargo Clearing in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her career includes multiple tenures with Wells Fargo entities dating back to 2009. Outside of her advisory role, she serves as a power of attorney and trustee for family members in investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jared Bottger is a Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he gained experience at Fidelity Investments in various capacities, including Planning Consultant from 2024 to 2026, Relationship Manager in 2024, Financial Representative from 2023 to 2024, and Financial Customer Associate from 2022 to 2023. His professional approach centers on providing transparent guidance and thoughtful planning through a collaborative process. Jared focuses on developing personalized financial strategies that aim to bring clarity to clients' financial lives, enabling them to concentrate on the people, experiences, and passions most important to them. Outside of his professional life, Jared engages in family activities, fitness, motorcycles, and running.

Spencer Vandevusse is a financial advisor with Charles Schwab, holding a Series 66 credential and five years of industry experience. His prior work includes roles at AGIA, VALIC Financial Advisors, Huntington National Bank, and EDP Management. Charles Schwab & Co., Inc. serves a large client base, 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, using multi-asset model portfolios and a formal alternative-investment onboarding process.

Samuel Lanning is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and has worked previously at Stevens Advertising and Diocesan Publications. 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 tailored financial planning and consulting with a range of portfolio management styles and municipal advisory services.

Stacie Middleton is a financial advisor at Cetera with Series 63 and Series 65 credentials and three years of industry experience. She has held roles at Cetera and Cetera Financial Specialists LLC since 2023. Outside of advising, Middleton serves as treasurer for several local organizations, including a parent association and a homeowners association, and manages a youth soccer team. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Erik Laug is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2012. Outside of his advisory role, he is the sole proprietor of Kaizen Holdings LLC, a finance-related business. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

Jason Vander Berg is a financial advisor with Edward Jones in Jenison, MI, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products, operating under a fiduciary standard.

Kurt Droppers is a financial advisor with Robert Baird & Co. in Kalamazoo, MI, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Robert Baird & Co. since 1988. Outside of his advisory role, he serves on the investment committee of the Portage Public School board. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored investment strategies through a combination of in-house and third-party managers, providing services from financial planning to discretionary portfolio management.

Reece Cole is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at E.W. Scripps and Bay Pointe Inn, and he has a background that includes roles at the University of Oklahoma and Tom's Meat Market. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning with tax‑aware withdrawal strategies and uses proprietary research and algorithms to support its recommendations.

Brent Kehrwecker is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and previously worked for Grand River Bank for ten years. He is a commissioned notary in the state of Michigan. 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 range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Craig Sutherland is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at First Merchants Corporation, Arbor Financial Credit Union, and Bank of America. Outside of his advisory role, he is a co-founder and co-owner of F&S Ale LLC, a technology company serving property and casualty insurance carriers, and serves on the board of Junior Achievement of the Michigan Great Lakes. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Goetz Whittaker is a Financial Advisor at Merrill Lynch Wealth Management. He works with executives, business owners, directors, and professionals to turn complex financial decisions into clear, confident strategies. His focus areas include deferred compensation, stock options and restricted stock, employer benefit strategies, tax-mitigation financial strategies, estate and legacy planning, retirement planning, and exit planning. Michael specializes in supporting individuals during pivotal moments such as career transitions, liquidity events, succession planning, and the years leading up to retirement. He takes a holistic approach to designing customized financial strategies aligned with clients' values, goals, and long-term vision. He holds a Bachelor's Degree from Grand Valley State University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Michael is an alumnus of Alpha Sigma Phi and is involved in his community as an assistant coach for the varsity lacrosse team at Coopersville High School. He lives in Cascade, Michigan with his wife and son.

Manuel Garcia is a financial advisor at Edward Jones in Grandville, MI, holding the Series 66 designation with four years of industry experience. He has been with Edward Jones since 2021 and previously worked for Suncoast Credit Union for ten years. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Spencer is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience with Bank of America, Huntington Bank, and various entrepreneurial ventures including automotive detailing and lawn care businesses. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fredrick Brown is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fifth Third Securities for 12 years before joining Wells Fargo in 2021. Outside of his advisory role, he manages a rental property business that includes renting out a property through Airbnb. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Noah Miller is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services, Inc. since 2019. Outside of his advisory role, he has assisted as an associate at Al Bruchnak Financial Services. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.