William Liston is a financial advisor with Ameriprise in Kalamazoo, MI, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of financial advising, Liston serves as Secretary on the Board of Directors for the Bui Family Foundation and is the owner and managing attorney of the Law Offices of William J. Liston, PC. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

Jared Hoffmaster is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. He has been with Cetera since 2011 and also serves as a relationship manager with trust accounts at Century Bank and Trust. Hoffmaster is actively involved in his community, serving as Vice President of the River Country Sports Commission and President of the Three Rivers Area Community Foundation, where he participates in fundraising and board activities. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management approaches and programs, supporting over 10,000 advisors and approximately $256 billion in assets under management.

Jonathan Sanborn is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following a three-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Carl Holmgren II is a financial advisor with Primerica Advisors in Kalamazoo, MI, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in sales of investment-related products and receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail investors rather than institutional pension or profit-sharing plans.

Sarah Herwick is a financial advisor at Cetera with seven years of industry experience. She holds a Series 66 designation and has worked at Cetera and Cetera Wealth Services, LLC since 2026. Her prior experience includes nine years at Commonwealth Financial Network, ten years at Allegiant Wealth Strategies, and ten years at StructureTec. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a wide range of portfolio management and consulting services through a large network of independent advisors, utilizing multiple program structures and access to third-party money managers.

Christopher Moffat is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo Clearing in 2020, he worked at Bronson Healthcare Group from 2015 to 2019. Outside of his advisory role, he holds ownership interests in music royalty businesses associated with BMI Music and Universal Music Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and including a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Fouad Zeaiter is a financial advisor with Ameriprise in Battle Creek, MI, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Michael Walters is a CFP® with 35 years of industry experience, currently practicing at LPL Financial since 2018. His prior experience includes roles at First Allied Advisory Services, First Allied Securities, and National Planning Corporation. Outside of advising, he is involved with Stocks & Blondes LLC, a boat and condo rental business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, research, and diversified strategies.

John Fiore is a CFP® and Series 66-licensed financial advisor with Edward Jones in Portage, MI, where he has worked since 2015. He has 10 years of industry experience. There are no other notable business activities reported. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Zachary Alkhamis is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2015 in Portage, MI. 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 retirement consulting with both discretionary and non-discretionary management options.

Mai Elkantar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining Wells Fargo in 2024, Mai worked at Morgan Stanley for nine years. Outside of advisory work, Mai is involved in real estate ownership and management activities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm follows an IPS-driven process grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Caitlin Larabel is a financial advisor at Raymond James Financial with one year of industry experience. She holds a Series 66 designation and previously worked at Perrigo and Trident Laboratories. She also operates Loc Financial Planning Group, a non-investment-related business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm provides tailored, non-discretionary planning using analytical tools and supports a range of advisory programs and institutional consulting.

Martha Ireland is a Series 66-licensed financial advisor with Edward Jones, based in Kalamazoo, MI. She has been with the firm since 2014, accumulating 12 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of investment strategies and affiliated services. It manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors.

Adam Schutz is a financial advisor with Ameriprise in Kalamazoo, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked in the food service industry at Cottage Inn Pizza Corp., Blaze Pizza, and Panera Bread. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to generate personalized retirement income plans, primarily for clients with assets managed within Ameriprise.

Blake Krum is a financial advisor with Raymond James & Associates in Portage, MI, holding a Series 66 designation and six years of industry experience. He previously worked at AVB Inc. from 2016 to 2019 before joining Raymond James & Associates in 2019. Krum serves as a board member at Kalamazoo County State Bank and is involved with the nonprofit Pretty Lake as a board member and finance committee participant. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and nonprofit entities, providing financial planning and non-discretionary investment consulting supported by various portfolio management styles and affiliated research.

Brian Ringle is a financial advisor with Edward Jones in Three Rivers, MI, holding Series 63 and Series 66 credentials and 35 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1990. Edward Jones is a full-service wealth management firm serving more than 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.

Jerome Kessenich is a CFP® with 44 years of industry experience, currently serving as a financial advisor with OSAIC since 2024. He previously worked with Securities America Advisors for 24 years. In addition to his advisory role, he owns JK Financial Services Inc., through which he prepares income tax returns. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations. The firm utilizes a range of advisory platforms and asset-allocation tools to construct portfolios that include multiple asset types, offering both discretionary and non-discretionary management options.