Staci Geiger is a financial advisor with Raymond James & Associates in Muskegon, MI, holding a Series 66 designation and bringing 24 years of industry experience. She has worked at Raymond James & Associates since 2010 and previously spent a year at Sparrow Boutique. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, charitable organizations, and government entities. The firm offers financial planning and advisory services with a focus on tailored, non-discretionary strategies supported by a broad range of portfolio management styles and affiliated research.

Blake Cramer is a financial advisor at Morgan Stanley in Muskegon, MI, holding a Series 66 designation with seven years of industry experience. His work history includes multiple roles at Morgan Stanley and a position at Grand Valley State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Nicholas Shaw is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Lake Michigan Credit Union and Nike Inc. He has involvement with Oceanview Life and Annuity Company, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Heather Alber is a financial advisor with LPL Financial in Ravenna, MI, holding a Series 66 credential and bringing 25 years of industry experience. Her previous roles include positions at Raymond James Financial Services and Bykerk Financial Services. She is also a commissioned notary public in Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by extensive research and diverse investment strategies.

Elijah Piwowarczyk is a financial advisor at RBC Capital Markets with one year of industry experience. He holds a Series 66 designation and previously worked at Western Michigan University and M. P. Construction LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients, offering a range of advisory programs with customized portfolio management and financial planning services. The firm utilizes in-house and third-party investment managers to tailor strategies according to client risk profiles.

Mark Harrie is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Cetera, West Shore Bank, Fifth Third Securities, and Merrill. Harrie serves as president of the Pinebrook Park Homeowners Association and works as an independent insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and providing access to research, model portfolios, and alternative investment strategies.

Joseph Green is a financial advisor with Stifel, holding a Series 66 designation and 18 years of industry experience. He has worked at Stifel since 2012. Outside of his advisory role, he serves as Secretary of the Board for One South Harbor Members, LLC, a business condo owners group. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm’s investment approach uses a proprietary methodology developed by its Investment Strategy Group to produce asset allocation and retirement planning analyses.

Martha Fohlbrook is a Financial Advisor with Merrill Lynch Wealth Management who joined the financial services industry in 2022. She partners with clients to address their unique financial ambitions, providing guidance on college and education planning, family wealth management, legacy planning, liquidity management, and retirement income strategies. Working collaboratively with Vice President Senior Financial Advisor Gregory DeVoursney, Martha emphasizes investment management, retirement counseling, estate and family legacy planning to deliver comprehensive wealth management solutions. Martha holds a Bachelor of Science degree from Aquinas College in Grand Rapids, Michigan. She maintains Series 7 and Series 66 FINRA registrations and holds the Chartered Retirement Planning Counselor™ (CRPC™) designation as well as the Personal Investment Advisor (PIA) designation. Fluent in both English and Spanish, she serves as a resource for the local Hispanic community. Since joining Merrill, she has helped over 100 households achieve their financial goals through tailored banking and investment advice. Active in professional and community organizations, Martha is a member of the Greater Muskegon Woman's Club, Hispanic/Latino Organization for Leadership & Advancement (HOLA), Muskegon Rotary Club, and West Michigan Hispanic Chamber of Commerce (WMHCC). She is involved with several community initiatives, including Feeding America West Michigan, Grand Rapids Community College, Life Remodeled, and St. Jude Children's Hospital. In her personal time, Martha enjoys golfing, photography, reading, running, traveling, and spending time with her husband Bobby and daughter Bella.

Jennifer Martin is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. Prior to joining LPL Financial in 2021, she worked with C & R Associates LLC, Waddell & Reed, Inc, and various insurance carriers associated with W&R insurance agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by research and model portfolios from LPL Research and third-party subadvisors.

Richard Oneal is a financial advisor with OSAIC based in Grand Rapids, MI, holding Series 63 and Series 65 credentials and has 30 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. He serves as treasurer for Bethesda Farm, a ministry supporting individuals with special needs. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and uses various tools and platforms to support portfolio construction and management.

Andrew Wesner is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Theresa Schaefer is a financial advisor with UBS Financial Services in Muskegon, MI, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with UBS and its predecessor, Painewebber, since 1995. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and incorporates proprietary research and model-based asset allocations to tailor client plans.

Alea Groshek is a financial advisor at Raymond James Financial with seven years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Advisors and several other firms. Outside of advising, she is involved with Wise Move and Global Trends Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance work through a municipal advisor affiliation.

Stacey Crosby is a financial advisor with LPL Financial in Ravenna, MI, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. Her prior work includes roles at Lake Michigan Credit Union, Fifth Third Securities, and Fifth Third Bank. Outside of her advisory practice, she is co-owner of a real estate rental business. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, and charitable organizations, offering a range of financial planning and advisory programs supported by in-house and third-party research.

Allison Loyselle is a financial advisor with Morgan Stanley in Muskegon, MI, holding a Series 63 designation and 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Kenneth Swiftney is a financial advisor with Primerica Advisors in Muskegon, MI, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked with Primerica Advisors since 2014 and currently operates under Drake Financial Group, a DBA affiliated with PFS Investments Inc. Outside of finance, Swiftney is a supervisor at Northern Boiler, a mechanical contracting firm specializing in process piping, boiler repair, and steel erection, where he has worked since 1999. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers, delegates trading responsibilities to BNY Mellon Advisors, and uses a tiered wrap-fee structure for its services.

Jeremy Kessler is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services alongside affiliated brokerage and investment management capabilities.

Brett Burza is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and 21 years of industry experience. He previously worked for Raymond James & Associates, Inc. for 15 years before joining Cambridge in 2020. Outside of his advisory role, Burza is the owner of a manufacturing business, Two Brothers and Sons, LLC, based in Montague, MI. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers a range of financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party strategies tailored to client objectives.

Brian Kobi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2015. Outside of his advisory role, he owns several residential real estate investment entities in Grandville, Michigan. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Blaire Hilt is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 66 credential and has been with Raymond James since 2015. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, and charitable and governmental entities, offering financial planning, consulting, and municipal advisory services through a range of portfolio management styles and affiliated research.