Daniel Ribbink is a CFP® professional with six years of industry experience, currently serving at Advisory Alpha, LLC since 2019. Prior to his current role, he has held positions at Amazon, AXA Advisors, and several other organizations. Outside of finance, he is the head bowling coach at Grand Valley State University, managing players and coordinating tournaments. Advisory Alpha is a multi-team SEC-registered adviser managing over $4.3 billion for individual and high-net-worth clients. The firm employs a fund-of-funds approach guided by a centralized Investment Team and is notable for its subadvisory roles with other RIAs and specialized retirement-plan solutions.

James Smith is a financial advisor at Asset Allocation Strategies, LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has a concurrent background as a math teacher and coach at Saugatuck Public Schools since 1997. Prior to joining Asset Allocation Strategies, he worked in various roles including life insurance and annuity sales. Asset Allocation Strategies provides discretionary and non-discretionary investment management, financial planning, and retirement-plan advisory services to individual investors, plan sponsors, and trustees. The firm employs a strategic asset allocation process using quantitative techniques and model portfolios, and offers supplemental services such as 529 plan assistance and investment policy reviews.

Jonathan Lohr is a CFA® charterholder with nine years of industry experience. He has been with Advisory Alpha, LLC since 2016. Outside of his advisory work, he is the sole member of Universal Financial Consulting Group LLC, where he performs bookkeeping and reporting. Advisory Alpha is an SEC-registered adviser managing over $4.3 billion for a range of individual and high-net-worth clients. The firm employs a fund-of-funds investment approach supported by a centralized Investment Team and also serves as a subadvisor and co-advisor to other RIAs.

James Schipper is a financial advisor with Advisory Alpha, LLC, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been a partner at Schipper & Osterink since 1995, providing financial management, consulting, and insurance services. Schipper is also a licensed insurance agent offering term life insurance and fixed annuities to clients. Advisory Alpha is an SEC-registered enterprise adviser managing over $4.3 billion for individual and high-net-worth clients through a centralized Investment Team utilizing a fund-of-funds approach. The firm serves a broad client base and acts as a subadvisor and co-advisor for other registered investment advisers while offering specialized retirement-plan solutions and various discretionary portfolio management strategies.

Benjamin Allen is a CFP® professional with seven years at Advisory Alpha, LLC and a prior 20-year career in the United States Air Force. He is based in Holland, MI, and has four years of industry experience. Advisory Alpha, LLC manages over $4.3 billion for individual and high-net-worth clients through a centralized Investment Team that employs a fund-of-funds approach across diverse portfolios. The firm also acts as a subadvisor and co-advisor to other RIAs and offers specialized retirement-plan solutions along with technology services for advisors.

Nathan Weeber is a financial advisor with Advisory Alpha, LLC, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. for nine years and has been associated with Vision Financial Group since 2007, where he also acts as an insurance agent specializing in fixed and traditional insurance products. Advisory Alpha serves a broad retail client base including individual and high-net-worth investors, offering portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also provides subadvisory and co-advisory services to other registered investment advisors and employs a diversified investment approach featuring managed portfolio series and discretionary management.

Connor Gaffney is a CFP® with seven years of industry experience, currently serving as a financial advisor at Advisory Alpha, LLC. His prior roles include positions at LPL Financial, Plante Moran Financial Advisors, and Simplicity Wealth. Outside of his advisory work, he owns and operates Victory Peak Wealth Management, providing financial services, consulting, and education. Advisory Alpha serves a diverse retail client base, including individual and high-net-worth investors, offering portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also acts as a subadvisor or co-advisor for other registered investment advisors and manages a broad range of managed portfolio series with discretionary oversight.

Tyler Bosch is a financial advisor at Foundations Investment Advisors LLC in Hamilton, MI, holding a Series 65 credential with two years of industry experience. Prior to joining Foundations, he worked at MDRN Capital, LLC and has operated Bosch Financial Services, LLC since 2018, where he sells life insurance and annuities. Outside of advising, he serves as a referral partner for Strike Tax, a firm offering R&D tax credit studies for small to mid-sized businesses. Foundations Investment Advisors provides financial planning and portfolio management to individual and high-net-worth clients, retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis along with model portfolios and an asymmetric rebalancing approach, supported by a large network of affiliated offices.

Michael Dewitt is a CFP® with ten years of industry experience, currently serving as a financial advisor at Advisory Alpha, LLC. He has held positions at Fidelity and MDRN Capital LLC prior to joining Advisory Alpha. Outside of his advisory work, he is the owner of Booner Mountain Outdoors LLC. Advisory Alpha serves a diverse retail client base, including individual and high-net-worth investors, offering portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also provides subadvisory and co-advisory services to other RIAs and employs a broad range of managed portfolio strategies overseen by an internal Investment Team.

Nicholas Heinrich is a CFP®, CFA®, and Series 66-registered advisor with Advisory Alpha, LLC, based in Holland, MI. He has 11 years of industry experience, including prior roles at Triad Advisors, Inc. Heinrich is also a licensed insurance agent, offering term life insurance, annuities, and fixed insurance products to clients. Advisory Alpha is an SEC-registered firm managing over $4.3 billion for individual and high-net-worth clients. The firm utilizes a centralized Investment Team to implement a fund-of-funds approach across diverse managed portfolio series and serves as a subadvisor and co-advisor to other registered investment advisers.

Andrew Fifield is a financial advisor with IP Financial Advisory Services LLC, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Innovation Partners LLC and IP Financial Advisory Services LLC since 2024 and has been associated with BCF Wealth Strategies since 2021. Prior to his advisory roles, he held positions at Fed Express and Village Inn. IP Financial Advisory Services LLC primarily serves individual retail clients by providing portfolio management, financial planning, and consulting services. The firm focuses on non-high-net-worth investors and retirement plan participants, offering personalized portfolios and specialized advisory services including actuarial analysis and tax-efficient asset management.

Manuel Campins is a financial advisor at HBW Advisory Services LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cetera Advisor Networks LLC and HBW Securities LLC. Outside of advising, he owns and operates a farm where he maintains fields and sells blueberries. HBW Advisory Services manages approximately $1.75 billion in client assets, serving individuals, families, charitable organizations, and institutional clients with asset management, financial planning, and consulting. The firm employs a blended investment approach using third-party money managers, model portfolios, and tactical asset allocation, and is noted for its high client load per advisor and diversified service offerings including sub-advisory and retirement plan subscription services.

James Hill is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Advisory Alpha, LLC. His prior experience includes roles at Cambridge Investment Research Advisors and Purshe Kaplan Sterling Investments. Hill is also president and owner of Trustment, LLC, a firm providing financial services and insurance consulting. Advisory Alpha serves a broad retail client base, including individual and high-net-worth investors, offering portfolio management, financial planning, and specialized solutions such as retirement plan services and donor-advised funds. The firm also acts as a subadvisor or co-advisor to other registered investment advisors, employing a discretionary, fund-of-funds investment approach overseen by an internal Investment Team.

Bryan Geurink is a CFP® professional with eight years of experience in financial planning. He is currently with HBW Advisory Services LLC and also holds ownership and works as a financial planner at Pathway Financial Design LLC. He served as treasurer and provided fundraising support for American Friends of Beautiful Gates Ministries International from 2010 to 2018. HBW Advisory Services manages approximately $1.75 billion in client assets and provides a range of asset management, financial planning, and consulting services to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers and sub-advisers, emphasizing diversification and downside protection, and offers sub-advisory, co-advisory, and retirement-plan subscription services.

Steve Osterink Jr. is a CFP® and CFA® with 16 years of industry experience. He is a financial advisor at Advisory Alpha, LLC and has previously worked at Simplicity Wealth, LLC and Planners Alliance, LLC. Outside of his advisory role, he is a licensed insurance agent offering term life insurance and fixed annuities and manages a holding company as well as an insurance planning business. Advisory Alpha serves individual and high-net-worth clients, providing portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also acts as a subadvisor or co-advisor for other registered investment advisors, offering a broad range of managed portfolio strategies typically implemented through fund-of-funds structures.

David Veltkamp is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked with several firms, including Cetera Advisor Networks, Clark Financial Group, and his own Veltkamp & Associates LLC. Outside of advisory roles, he serves as treasurer for Great Lakes Urban, a community development organization. HBW Advisory Services manages approximately $1.75 billion in client assets and provides asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and pension plans. The firm employs a blended investment approach that includes tactical asset allocation and multi-manager diversification, serving a large and diverse client base through retail, institutional, and intermediary relationships.

William O'Neil is a financial advisor with Advisory Alpha, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He previously worked at First Advisors National, LLC and Cetera ADVISORS LLC. In addition to his advisory role, he is involved in insurance sales, education, consulting, and coaching through the O'Neil Insurance Agency. Advisory Alpha serves a broad retail client base, including individual and high-net-worth investors, offering portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also acts as a subadvisor or co-advisor for other registered investment advisors and manages a diverse range of managed portfolio series with discretionary oversight.

Janine Osterink is a financial advisor at Advisory Alpha, LLC with 13 years of industry experience. She holds a Series 65 credential and has worked at firms including Advisory Alpha and Planners Alliance. Outside of advising, she owns and operates Osterink Farm, LLC, a farming enterprise. Advisory Alpha serves a broad retail client base, including individual and high-net-worth investors, offering portfolio management, financial planning, and specialty solutions such as retirement plan services and donor-advised funds. The firm also provides subadvisory and co-advisory services to other registered investment advisors and manages a diverse range of managed portfolio strategies.

Brian Kragt is a financial advisor at Advisory Alpha, LLC with 12 years of industry experience. He holds a Series 65 designation and has been with Advisory Alpha since 2013. Outside of his advisory role, he is involved in rental property management. Advisory Alpha manages over $4.3 billion for individual and high-net-worth clients through a centralized Investment Team employing a fund-of-funds approach, and serves in subadvisory and co-advisory capacities for other registered investment advisers.

Jaime Cowper is a financial advisor with Advisory Alpha, LLC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Advisory Alpha since 2019 and previously held roles at Planners Alliance, Alphastar Capital Management, and Unity Financial Advisors, where he is also the founder and serves as President. In addition to his advisory work, Cowper provides mentoring to independent financial advisors and speaks at professional events on topics such as professional growth and client engagement. Advisory Alpha serves a broad retail client base including individual and high-net-worth investors, offering portfolio management, financial planning, and specialized solutions like retirement plan services and donor-advised funds. The firm also provides subadvisory and co-advisory services to other registered investment advisors and manages portfolios using a diverse range of managed strategies overseen by an internal Investment Team.