Kimberley Hamilton is a financial advisor at LPL Financial with 42 years of industry experience. She has held roles at Morgan Stanley Smith Barney and Voya Financial Advisors prior to joining LPL in 2021. Hamilton holds Series 63 and Series 65 designations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Stephen Paneral is a financial advisor with Raymond James & Associates in East Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at The Huntington Investment Company, Cetera Investment Advisers, and Charles Schwab. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Luke Nederveld is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2024. His background also includes roles at Grand Valley State University, Oa Private Capital, and Plante Moran. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Gary Holvick Jr. is a CFP® and ChFC® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2022. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for seven years. Holvick is involved in his own business ventures, including ownership roles in several LLCs and a consulting practice focused on management and business operations for non-publicly traded companies. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering comprehensive brokerage and advisory services. Its advisers utilize asset-allocation tools and third-party platforms to construct portfolios across various asset classes with discretionary or non-discretionary management options.

Rachel Hughes is a financial advisor with Robert W. Baird & Co. in Allendale, MI, holding a Series 66 designation and 19 years of industry experience. She has been with Robert W. Baird & Company since 1998. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a mix of in-house and third-party managers across traditional and non-traditional investment strategies.

Peter Chadwick is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI. He holds the ChFC® designation and has 29 years of industry experience. Since 2005, he has worked at MassMutual Life Insurance Co and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance sales through Pinnacle Wealth Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements that use firm-approved analytical tools and also provides specialized planning services including divorce and estate settlement planning.

John Perras is a financial advisor with Mass Mutual Investors Services in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Mass Mutual Investors Services since 1983 and MassMutual Life Insurance Company since 1982. Outside of his advisory role, he is also an insurance agent with Pinnacle Wealth Advisors LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses analytical tools and structured planning to deliver collaborative, annual financial planning engagements without discretionary investment authority.

Samuel Devries is a financial advisor at OSAIC with Series 63 and Series 65 credentials and five years of industry experience. He has worked at RSC Advisors and OSAIC Wealth, Inc., and has held roles outside the financial sector including at South Christian High School and Davenport University. He also serves as successor trustee for a family revocable trust. OSAIC Wealth, Inc. serves a diverse client base including retail, high-net-worth investors, and institutional clients through a broad network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools that incorporate asset allocation, risk tolerance, and automated rebalancing, supporting both discretionary and non-discretionary management.

Micah Bykerk is a financial advisor at Raymond James Financial with approximately two years of industry experience. He holds the Series 66 designation and has previously worked at Grand Valley State University in various roles, including the Office of Financial Aid. Bykerk is based in Grand Rapids, MI. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and maintains a notable presence in municipal and public finance through affiliated networks and specialized programs.

Rua Hekhuis is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings extensive experience working with clients who have complex financial needs, including entrepreneurs, professionals, and individuals involved in executive compensation, family wealth management strategies, legacy planning, and retirement income. Rua's approach emphasizes customized guidance tailored to each client's unique goals and life circumstances, leveraging the resources of Merrill and Bank of America to meet evolving client objectives. Rua holds a Master's Degree in Marketing and Management from the Rinker School of Business at Palm Beach Atlantic University and a Bachelor of Science in Marketing and Management with minors in Entrepreneurship, Social Sciences, and Economics from Northwood University. She is a CERTIFIED FINANCIAL PLANNER® and holds additional designations including Chartered Retirement Planning Counselor™, Sports & Entertainment Accredited Wealth Management Advisor™, and Personal Investment Advisor. Rua has been recognized on the Forbes "Top Women Wealth Advisors Best in State" list for consecutive years. Outside of her professional role, Rua resides in Spring Lake with her husband and two dogs. She dedicates time to support organizations such as the Humane Society of West Michigan and is involved with Michigan State University College of Human Medicine, Michigan Woman Forward, Paws with A Cause, and the Women's Resource Center. Her personal interests include running, biking, gardening, reading, martial arts, skiing, golfing, hiking, interior decorating, traveling, watching movies, and yoga.

Michael Gruszynski serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019 and works with individuals, families, and businesses to help them reach their financial goals through comprehensive wealth management. His client focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income. With over a decade of experience in the technology industry prior to his role at Merrill, Michael brings problem-solving skills and a goals-based approach to his financial advising. He assists clients with retirement planning, tax minimization strategies, investments, estate planning services, wealth transfer, and corporate investment strategies. He holds professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a graduate of Michigan State University, where he earned a bachelor's degree. Born and raised in Michigan, he is a Detroit sports fan and enjoys personal interests such as adventure sports, baseball, basketball, camping, fishing, football, golfing, music, photography, and spending time with his family. He is also involved in the community through Big Brothers Big Sisters in Battle Creek, Michigan.

Brian Karsten is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2016 and has been associated with VanderLugt, Mulder & DeVries for over 26 years. Outside of advising, he is the owner and accountant for Hudsonville Floral & Gift Shop Inc., a retail floral business. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, retirement plans, charitable organizations, and trusts, by offering financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm supports tailored investment strategies through a network of independent professionals and employs various custody and platform arrangements, combining proprietary and third-party model strategies.

Paul Solberg is a financial advisor at Robert Baird & Co. with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Robert Baird & Co. since 1995 and Nmis since 2002. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services, tailoring advice to client goals and risk tolerances through a combination of in-house and third-party managers.

Bryan Kading is a financial advisor with Edward Jones in Rockford, MI, holding CFP®, ChFC®, and Series 63 designations and bringing 22 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Ryan Waselewsky is a financial advisor at Morgan Stanley in Grand Rapids, MI, holding a Series 66 designation with 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside market simulations to support its advisory services.

Don Goetcheus is a CFP® with 32 years of industry experience, currently affiliated with Charles Schwab in Grand Rapids, MI. His work history includes roles at Ameriprise Financial Services, TD Ameritrade, and Charles Schwab. He also serves as the secretary of his fraternity alumni housing corporation. Charles Schwab serves a large client base primarily composed of 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 affiliated discretionary separately managed accounts and conducts thorough due diligence on alternative investments.

Michael Gascon is a financial advisor with Ameriprise in Caledonia, MI, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory role, Gascon is involved in sales and marketing leadership at H&S Companies. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations supported by a centralized consulting team.

Brandon Moulton is a Financial Advisor at Merrill Lynch Wealth Management, where he specializes in helping individuals, families, and business owners build financial confidence through personalized service and disciplined investment decisions. He focuses on delivering tailored financial strategies in areas such as retirement planning, investment management, tax-efficient strategies, estate planning, philanthropic planning, and values-based investing. Brandon serves a diverse client base including high net worth individuals and families, pre-retirees and retirees, business owners, entrepreneurs, and young professionals. He provides holistic guidance backed by the resources of Bank of America and Merrill to support clients through every stage of life. He holds a Bachelor's Degree from Michigan State University's Eli Broad College of Business, where he was a member of the Wealth Management Program, and holds the Personal Investment Advisor (PIA) designation. Outside of work, Brandon enjoys adventure sports, boating, fishing, hunting, golfing, basketball, football, traveling, and spending time with his wife, daughter, and their two dogs.

Daniel Kalsbeek is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has previously worked at Royal Alliance Associates, INC., Sii, and Royal Securities Company. Outside of his advisory role, he serves as a transportation supervisor for a private school. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Jamie Wiersma is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with various Fidelity entities since 2014. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with notable activities including advisory roles to multiple registered investment companies and the use of AI-driven research methods.