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.

Kevin Jarchow is a financial advisor at LPL Financial with 34 years of industry experience. He has been with LPL Financial since 2005 and holds the Series 63 and Series 65 licenses. Outside of his advisory role, he is involved with Summit Professional Business Services, LLC, a managing member of which he is, handling leased office space for his wealth management business, and he also works as a non-variable insurance agent through InSphere Insurance Solutions, Inc. 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, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

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.

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.

Zachary Flynn is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and previously worked for Daybreak Foods for eleven years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and tax-efficient services.

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.

Karen Hill is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. She has worked at Cetera since 2021 and previously at VOYA Financial Advisors for seven years. Hill is also the owner and president of Financial Investments Services Group, Inc., a firm involved in the sale and service of insurance, securities, and investment products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and third-party managers.

Lawrence Louzon is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Scottrade. J.P. Morgan Securities 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 recommendations on a non-discretionary basis while clients retain final decision-making authority.

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.