Todd Bowman is a financial advisor at UBS Financial Services with 27 years of industry experience. He has been with UBS since 2004 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves on the advisory group of the Two Fish Foundation, an organization supporting missionary work through local churches. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, delivering tailored plans through proprietary research and model-based asset allocations.

Nathan Lapham is a financial advisor with J.P. Morgan Securities in Muskegon, MI, holding Series 63 and Series 66 credentials and having two years of industry experience. He previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. Outside of his advisory role, Lapham owns and operates an e-commerce business focused on buying and selling trading cards online. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Kyle French is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill Lynch, and JP Morgan Chase Bank. Based in Muskegon, MI, he joined Raymond James in 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Christine Church is a financial advisor at Edward Jones with CFP® and Series 66 credentials. She joined Edward Jones in 2025 and has prior experience at Blue Trust, Loek's Theaters Inc, J. Alexanders, Murphy's Family Restaurant, and Dagwoods Deli. 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 under management through a large network of financial advisors and branch offices, offering both discretionary and non-discretionary investment strategies under a fiduciary standard.

Martin Majchrzak is a financial advisor with Raymond James & Associates in Muskegon, MI, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley. 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—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad network of advisers and affiliated research.

Andrew Hein is a CFP® with 18 years of industry experience, currently with LPL Financial since 2021. He previously worked at Waddell & Reed, Inc. and Cindie Jones, among other roles in the insurance sector. Hein also manages Hein Consulting, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Jeffrey Groshek is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 13 years before joining Raymond James in 2022. He is also president of Global Trends Wealth Management, LLC, an advisory practice based in Norton Shores, MI. 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 institutions. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and has specialized capabilities in municipal advisory and SIMPLE IRA employer consulting.

Michael Valachovics is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. He has served on the finance and investment committees for Muskegon Catholic Central since 2023. His prior experience includes roles at Grand Valley State University and Community Shores Bank. 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 municipal entities, offering financial planning and non-discretionary investment consulting supported by various portfolio management styles and affiliated research.

Mark Wielinga is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Ameriprise since 2023. He previously worked at Edward Jones for six years and has a background in construction management. Wielinga owns and manages Independent Pursuit LLC, through which he oversees his advisory business. Ameriprise provides retirement-income planning services targeting clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Steven Moran is a financial advisor with LPL Financial in Whitehall, MI, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. His prior roles include long tenures at Questar Asset Management and Questar Capital Corporation from 2003 to 2019, followed by a brief period at Woodbury Financial Services before joining LPL Financial in 2020. 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 wide range of advisory programs and services, including discretionary and non-discretionary management, model portfolios, and research from various sources.

Nathan Whipple is a financial advisor with Edward Jones in Muskegon, MI. He holds the ChFC® designation as well as Series 63 and Series 66 licenses, and has 19 years of industry experience, including over 20 years with Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, affiliated mutual funds, and tax-efficient services, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Michael Hansen is a financial advisor with Edward Jones in North Muskegon, MI, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is involved in managing several real estate ventures in Michigan and Georgia. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Lynne Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in empowering women and their families through informed financial decision-making. She focuses on areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, and socially responsible investing. Lynne aims to simplify complex financial concepts to help clients take control of their finances and meet their individual goals. Before beginning her financial advisory career in 2008, Lynne held management positions at AT&T and IBM. She holds a Bachelor of Arts degree in management and finance from Simmons College and a Master of Science degree in information systems from Pace University. Additionally, she maintains Series 7 and Series 66 FINRA registrations, Life and Health Insurance licenses, and is registered to offer Long Term Care through the Connecticut and New York Partnership Program. Lynne is actively involved in her community, including membership with the Junior League of the Palm Beaches and participation in the Choral Society of the Palm Beaches. She also dedicates time to educating organizations about kidney health as a living kidney donor. Lynne enjoys golfing with regional women's golf associations and spending time with her family.

Rachel Chupailo is a financial advisor with Ameriprise in Norton Shores, MI, holding a Series 66 designation and five years of industry experience. She has been with Ameriprise and its related entities since 2018 and previously worked at Charter Communications. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-assisted advice primarily focused on assets held within Ameriprise-managed accounts.

Brian Gerrans is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2021. His prior roles include positions at Waddell & Reed, Inc., various insurance carriers, and his own consulting group. He has also been involved in business activities outside traditional advising, including ownership in a real estate entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of financial planning and advisory services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Amber Meyers is a financial advisor at LPL Financial with three years of industry experience. Prior to joining LPL Financial in 2022, she worked for seven years at Northside Heating, Cooling & Refrigeration Inc. She holds a Series 66 designation. 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 with support from internal and third-party research.

Troy Fox is a financial advisor with OSAIC based in Muskegon, Michigan, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at OSAIC since 2024 and previously held roles at Securities America Advisors and Securities America Inc. from 2016 to 2024. Fox is also the president and sole proprietor of Fox Financial Services, a business he has operated since 1999. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisors, using asset-allocation tools and multiple platforms to construct diversified portfolios incorporating a range of investment types.

David Brus is a financial advisor at OSAIC with 28 years of industry experience. He has held roles at Securities America Advisors and Fifth Third Securities prior to joining OSAIC. He is a partner in Terraza LLC, an activity outside of his advisory and insurance work. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct portfolios tailored to client needs.

Breanna Hansen is a CFP®-certified financial advisor with seven years of industry experience, currently practicing at Edward Jones since 2019. Prior to joining Edward Jones, she worked at Ryke's Bakery for three years. She is based in Muskegon, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Rachelle Vanderwier is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.