Nicole Galarneau is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2011. Outside of her advisory role, she serves as a successor trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Matthew Strong is a financial advisor at Edward Jones in Grand Haven, MI, holding Series 63 and Series 66 designations with 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Emily Urbaniak is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation. She has seven years of experience at Edward Jones and previously worked in the retail and service industries, including five years at Wild Emerald Bridal and six years at Nathan's Hair Unlimited. Outside of her advisory role, she has experience managing a bridal business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Jonathan Cox is a financial advisor at Osaic with 25 years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Securities America Inc. for eight years. Outside of advising, he owns and operates Cox Accounting and Tax Service, which he has run since 1994. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

David Cramer is a financial advisor at Morgan Stanley with 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and associated with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is involved in farming as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Tracy Adams is a financial advisor with LPL Financial in Muskegon, MI, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Ameriprise, Osaic Institutions, CETERA Advisor Networks, and Investacorp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth clients—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, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Samuel Hansen is a financial advisor at Fidelity with three years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments as well as Thrivent Investment Management and Thrivent Financial. Fidelity’s Strategic Advisers LLC, where Hansen is based, provides investment management and advisory services to retail and institutional clients using a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is registered as a commodity pool operator and serves as an advisor to multiple registered investment companies and fund-of-funds, utilizing AI and systematic methodologies in its processes.

Jason Lillmars is a financial advisor at LPL Financial with 10 years of industry experience. He holds the CFP® and PFS™ designations and previously worked at Avantax Advisory Services and related firms for five years. Outside of financial advising, he is involved in tax preparation and accounting services through Strategic CPA Accounting & Tax Solutions LLC. 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 various advisory programs, financial planning, retirement consulting, and brokerage services supported by research and model portfolios.

Michael Haynes is a financial advisor at Edward Jones in Muskegon, MI, holding a Series 66 designation with two years of industry experience. His prior work includes roles at ACMatic Inc and Hortech, Inc. 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 and provides a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Marci Bentz is a financial advisor at Thrivent Investment Management with 24 years of industry experience. She has held roles at Thrivent Investment Management since 2008 and at Thrivent Financial for Lutherans since 2007. Bentz holds Series 63 and Series 66 licenses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across various topics, allowing clients to combine planning with managed-account programs while keeping services separate.

Richard Northuis is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 39 years of industry experience. He spent 35 years at FSC Securities Corporation before joining OSAIC in 2023. He also serves as co-trustee for the Donald and Eunice Northuis Trust, overseeing the liquidation and distribution of the estate's assets. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools, third-party money manager access, and both discretionary and non-discretionary account management.

Robert Kendall Jr. is a financial advisor with UBS Financial Services in Muskegon, MI, holding Series 63 and Series 65 designations and with 27 years of industry experience. He has been with UBS Financial Services since 1998. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

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.

Julie De Santo is a financial advisor with Edward Jones in Grand Haven, MI, holding a Series 66 designation and 13 years of industry experience. She has been with Edward Jones since 2013. 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 and offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

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.

Matthew Hineman is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2017, with prior experience at Jackson National Life Insurance and Western Michigan University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.