Alex Zhang is a CFP® and CFA® with two years of industry experience, currently serving as an advisor at Zhang Financial in Portage, MI. His prior experience includes roles at Ropes & Gray, JPMorgan Securities LLC, and academic work at Harvard Law School. Zhang Financial is a multi-advisor, fee-only investment firm managing approximately $8.37 billion in assets. The firm offers portfolio management, financial planning, pension consulting, and institutional advisory services to a diverse client base including individuals, charities, corporations, and government entities, utilizing a mix of fundamental, technical, and cyclical analysis alongside internally developed model portfolios.

Julia Sanders is a financial advisor with M HOLDINGS SECURITIES, Inc., holding a Series 65 credential and four years of industry experience. She has previously worked at Gasaway Investment Advisors, Inc. and held roles in education at Davenport University and Kalamazoo Valley Community College. M HOLDINGS SECURITIES, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other entities through a nationwide network of independent firms and professionals. The firm offers a broad mix of advisory and brokerage services, including investment management, retirement plan consulting, financial planning, and insurance advisory, utilizing both in-house portfolio managers and third-party sub-advisors.

Charles Zhang is a CFP® and ChFC® with 19 years of industry experience. He has been with Zhang Financial since 2012. Outside of his advisory role, he has worked as an adjunct professor and authored the book "Make Yourself a Millionaire." Zhang Financial is a fee-only firm with about 20 advisors managing $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal governments, offering asset management, financial planning, pension consulting, and institutional advisory services.

Cory Denuyl is an investment adviser representative with First Heartland Consultants, Inc. in Kalamazoo, MI, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with First Heartland Capital Inc since 2007. Outside of his advisory role, he owns DenOwl Games LLC, a company created for marketing and potentially selling a game, and he also receives royalties as a musician from music placed on streaming services. First Heartland Consultants serves a diverse client base including individual investors, retirement plan participants, charitable organizations, and corporate entities. The firm offers a range of financial planning and asset management services delivered through a network of independent investment adviser representatives.

Lynn Chen Zhang is a CFP® with 18 years of industry experience and has been with Zhang Financial since 2012. She is the author of the book *Make Yourself a Millionaire* and serves on the Western Michigan University Foundation Board of Trustees and the Kalamazoo Symphony Orchestra Board of Directors. Additionally, she holds a CPA designation and participates as a WMU trustee. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal governments, offering asset management, financial planning, pension consulting, and institutional advisory services.

Jill Ingersoll is a financial advisor with M Holdings Securities, Inc. She holds Series 63 and Series 65 licenses and has 18 years of industry experience. Jill previously worked at Rose Street Advisors, LLC for 11 years and currently owns and operates Doerschler & Associates Wealth Management LLC, focusing on wealth management and employer-sponsored plans. M Holdings Securities, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other business entities through a nationwide network of independent firms and professionals. The firm provides a range of advisory and brokerage services, including investment management, retirement plan consulting, and financial planning, utilizing both in-house portfolio managers and third-party sub-advisors.

Paul Knibbe is a financial advisor with Harbour Investments, Inc. in Kalamazoo, MI, holding a Series 66 designation and 14 years of industry experience. He has worked at Harbour Investments since 2011 and has operated Knibbe Investment Management LLC since 2013. He is also an independent insurance agent under the Knibbe Investment Management name. Harbour Investments provides investment advisory and financial planning services to a diverse client base, including individuals, charitable and corporate clients, retirement plans, and other financial advisors. The firm employs a combination of fundamental and technical analysis to create customized strategies and offers both discretionary and non-discretionary portfolio management solutions.

Kyle Triemstra is a CFP® professional with nine years at Zhang Financial and three years of industry experience. Prior to joining Zhang Financial, he worked at Cold Stone Creamery for five years. Zhang Financial is a fee-only multi-advisor firm managing approximately $8.37 billion in assets. The firm serves individuals, high-net-worth clients, charities, corporations, and government entities, offering portfolio management, financial planning, and retirement plan consulting using a blend of fundamental, technical, and cyclical analysis.

Giselle Schlubatis is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Zhang Financial since 2019. She previously worked at Ameriprise Financial Services and TradeStation Securities. Zhang Financial is a multi-advisor, fee-only investment adviser managing approximately $8.37 billion in assets, serving individuals, high-net-worth clients, charities, corporations, and municipal government entities. The firm utilizes a combination of fundamental, technical, and cyclical analysis across various investment strategies and offers integrated services including portfolio management, financial planning, and pension consulting.

Cory Shaver is a financial advisor at M HOLDINGS SECURITIES, Inc. with four years of industry experience. He holds a Series 65 designation and has worked at Rose Street Advisors and Summit Pointe. Cory’s background also includes a role at Western Michigan University. M HOLDINGS SECURITIES, Inc. serves a diverse client base including individuals, retirement plans, and charitable organizations through a network of independent firms. The firm offers a range of advisory and brokerage services, combining investment management with retirement plan consulting and insurance advisory, supported by both in-house portfolio managers and third-party sub-advisors.

David Marshall is a CFP® with eight years of industry experience, currently serving at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Jansen Valk Thompson Reahm, PC for one year. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team that provides portfolio management, financial planning, pension and retirement plan consulting, and institutional advisory services to individuals, charities, corporations, and municipal government entities. The firm employs a combination of fundamental, technical, and cyclical analysis using internally developed model portfolios and offers a range of strategies, including long- and short-term holdings, active trading, and option strategies.

Tricia Newcomb is a financial advisor at Plante Moran Financial Advisors with 9 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Plante Moran Financial Advisors since 2004. Plante Moran Financial Advisors provides investment advisory, financial planning, and estate-planning services to a diverse client base including individuals, institutions, trusts, estates, and charitable organizations. The firm employs a variety of analytical approaches and manages a mix of discretionary and non-discretionary assets, operating as part of the larger Plante Moran enterprise with affiliated trust, insurance, broker-dealer, and real estate advisory services.

Todd Carless is a financial advisor with Harbour Investments, Inc. in Kalamazoo, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Harbour Investments since 1994 and was also associated with Burnham & Flower Financial Inc. and Burnham & Flower Agency for over two decades. In addition to his advisory role, Carless is an independent insurance agent specializing in equity indexed annuities. Harbour Investments serves a diverse client base including individuals, trusts, pension and 401(k) plans, and institutional entities, offering portfolio management, financial planning, and a variety of investment platforms. The firm employs a range of investment strategies through individual advisors and approved third-party managers, with ongoing account monitoring and multiple execution options.

Charles Ybema is a financial advisor with F L Putnam Investment Management Co., holding Series 63, 65, and 66 licenses and bringing 15 years of industry experience. Prior to joining F L Putnam in 2026, he worked at Arcadia Investment Management Corp and Gimbal Capital Management. Outside of finance, Mr. Ybema manages Lafayette Creamery, a super-premium ice cream production and retail business, which he founded in 2014. F L Putnam serves a diverse client base including individuals, institutions, registered investment companies, foundations, endowments, schools, and religious organizations. The firm employs customized portfolios with both internally managed and third-party strategies across asset classes, offering solutions such as Optimized Indexing and tax-aware fixed income, and incorporates AI tools to support research while maintaining human-led investment decisions.

Kyle Mack is a CFP® professional at Zhang Financial with two years of industry experience. His prior work includes roles at SGH Wealth Management, Edward Jones, and Follett. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team. The firm serves individuals, high-net-worth clients, charities, corporations, and municipal government entities, utilizing a blend of fundamental, technical, and cyclical analysis across various investment strategies and time horizons.

Sarah Saum is a Series 65 licensed financial advisor with nine years of industry experience. She is currently affiliated with CreativeOne Wealth, LLC and Candor Wealth Strategies, where she serves as a wealth manager. Her prior work includes roles at Trifound Advisory, AE Wealth Management, and Brokers International Financial Services. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm employs a range of investment strategies including proprietary ETF-based core models, third-party model managers, boutique equity managers, and option-based strategies.

Cameron Kleinheksel is a CFP® and holds a Series 65 license with 14 years of industry experience. He has been with Zhang Financial since 2021, following roles at CapFinancial Partners, LLC. (CAPTRUST) and Plante Moran Financial Advisors. Zhang Financial is a fee-only advisory firm with approximately 20 advisors managing $7.2 billion for over 2,100 clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and municipal government entities. The firm focuses on individualized asset management and continuous supervision, using a range of investment instruments and providing pension consulting with fiduciary responsibilities under ERISA.

Kolby Smith is a CFP® with 14 years of industry experience, currently serving as an advisor at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Plante Moran Financial Advisors for one year. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal government entities, offering asset management, financial planning, pension consulting, and institutional advisory services.

Michael Nowak is a Series 65 licensed financial advisor with Advisory Services Network in Portage, Michigan, with 15 years of industry experience. He has been with Advisory Services Network since 2016. In addition to his advisory work, he owns Michael Nowak Agency LLC, which offers health insurance for seniors and life insurance. Advisory Services Network provides investment advisory and planning services to individuals, families, corporations, and retirement plans through a large network of independent advisers. The firm offers a range of portfolio management and financial planning services, employing various investment strategies tailored to clients’ objectives and risk tolerances.

Brian Ailes is a CFP® with 19 years of industry experience, currently serving as a financial advisor at The Huntington Investment Company since 2013. He previously worked at Ameriprise Financial Services, LLC. Outside of his advisory role, he owns a rental property in Kalamazoo, Michigan. The Huntington Investment Company serves individuals, including high-net-worth clients, as well as charitable organizations, corporations, and business entities. The firm offers advisory and brokerage services through multiple wrap-fee programs using an open-architecture model that incorporates third-party and proprietary portfolio management strategies.