Thaddeus Phelps is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Advance Wealth Management Service, LLC since 2019 and previously spent 14 years with Ameriprise Financial Services, Inc. In addition to his advisory work, Phelps owns a tax preparation business and an accounting support service, and he serves in fiduciary roles such as trustee and executor. Advance Wealth Management Service, LLC provides investment advisory and financial planning services primarily to individuals, high-net-worth clients, trusts, estates, and business entities. The firm offers discretionary investment management through a wrap asset management program and emphasizes an individualized approach with asset allocation supported by fundamental, sector, and technical analysis, including risk management strategies such as put options and conservative cash instruments.

Jason Goosen is a financial advisor at Rapids Financial LLC with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Mutual Advisors, LLC, Eagle Strategies, and New York Life Insurance Company. Outside of his advisory role, he is a staff accountant at Brohl Tax & Accounting, PLLC, and a licensed insurance agent. Rapids Financial is a state-registered investment adviser offering discretionary wealth management and financial planning to individuals and high-net-worth clients. The firm uses a fundamental analysis approach to construct diversified portfolios primarily with low-cost mutual funds and ETFs, and it sponsors a wrap-fee program that consolidates transaction costs into a single asset-based fee.

How much can we safely spend? When should we take Social Security? How do we minimize taxes on everything we've saved? If questions like these keep you up at night, you're not alone. You've spent decades building wealth—now you need a plan to turn it into income that lasts. I specialize in tax-smart retirement income planning for families in-or-near retirement: Roth conversions, Social Security timing, pension decisions, and investing built for distribution—because retirement requires a different playbook than accumulation. How would we work together? It starts with a free Retirement Clarity Call where we dig into your situation and confirm we're a good fit. From there, we'll schedule a Blueprint Meeting where I'll walk you through your key challenges, opportunities, and a recommended strategy tailored to your retirement goals. You'll walk away with real clarity on how to lower your taxes, optimize your income, and retire with confidence—whether we end up working together or not. Tell me about your flat-fee membership model? Most advisors charge 1% of your assets—on a $2M portfolio, that's $20,000/year. I charge a flat $400/month for comprehensive planning, plus an optional 0.49% if you'd like us to manage investments. We start with planning first, and there is no requirement to move your assets to begin working together. No pressure. No hard sell. We're looking for long-term relationships, not transactions. If we're not the right fit, I'll gladly point you toward someone who is.

Robert Boylen is the sole advisor at Robert Charles Capital Management in Grand Rapids, MI, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has been with Robert Charles Capital Management since 2016. Robert Charles Capital Management provides discretionary portfolio management, financial planning, and consulting services primarily to individual clients across various wealth levels, as well as charitable, corporate, pension/profit-sharing plans, and pooled investment vehicles. The firm uses a process combining fundamental, technical, and qualitative analysis to manage accounts on a discretionary basis, employing individual securities or ETFs/index funds depending on account size, and also sponsors a private pooled investment vehicle focused on early-stage preferred equity investments.

Jeffrey Belmonte is a CFP® professional with 17 years of industry experience. He is the sole advisor at Summitview Advisors, an independent firm he has led since 2018. Prior to founding Summitview Advisors, he worked at Advanced Asset Management LLC and provided leadership coaching at 2-0 Leadership Coaching. Summitview Advisors serves individual clients, trusts, qualified retirement plans, corporations, and charitable organizations by offering portfolio management along with comprehensive and project-based financial planning. The firm’s investment approach emphasizes strategic asset allocation combined with fundamental and cyclical analysis and includes a diversified mix of asset classes and investment strategies.

Christopher Villaire is the sole advisor at Villaire Financial, LLC in Grand Rapids, MI. He holds a Series 65 designation and has four years of industry experience, including prior work at Tina's Catering, Inc. and ongoing studies since 2012. Villaire Financial, LLC provides discretionary portfolio management and financial planning services to individuals, high-net-worth individuals, and business owners. The firm employs a combination of cyclical, fundamental, modern portfolio theory, and quantitative analysis, generally using a long-term trading approach with documented risk tolerance and regular rebalancing.

Scott Morter is the principal of Morter Investment Management LLC in East Grand Rapids, MI, with 28 years of experience in the financial industry. He holds Series 63 and Series 65 designations and has been affiliated with Cornerstone University since 2004. Morter is solely responsible for managing client portfolios at his independent firm. Morter Investment Management LLC provides fee-only investment management primarily to individual clients, as well as trusts, estates, charitable organizations, and business entities. The firm offers discretionary, individually tailored strategies focused on growth, growth-and-income, or income, utilizing fundamental investment analysis and cash management across various securities including stocks, bonds, mutual funds, ETFs, and money market funds.

James Vermeulen is the sole advisor at Vermeulen Capital Management in Grand Rapids, MI, holding a Series 65 designation with 15 years of industry experience. He has operated Vermeulen Capital Management since 1993. Vermeulen Capital Management provides discretionary investment supervision and non-discretionary consultation on a fee-only basis to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, and charitable institutions. The firm employs a combination of fundamental and technical analysis and offers tailored portfolio oversight with strategies ranging from long-term buy-and-hold to shorter-term trading.

Gary Knapp is the sole advisor at Cornerstone Asset Management, LLC, an independent registered investment adviser based in Hudsonville, MI. He holds Series 63 and Series 65 designations and has 15 years of industry experience. Knapp has been with Cornerstone Asset Management since 2006. Cornerstone Asset Management provides personalized investment management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a planning-driven process focused on fundamental analysis for security selection, emphasizing an efficient-market perspective and avoiding short-term trading and market timing.

Ryan Davis is a financial advisor at Noble Street Wealth Management with six years of industry experience. He holds a Series 65 designation and has worked at Riverside Ryders, LLC and Noble Street Financial, LLC. Davis is actively involved in a 501(c)(3) foundation, dedicating time during business hours to fundraising activities. Noble Street Wealth Management serves individual investors, trusts, estates, and charitable organizations, offering discretionary investment management and financial planning. The firm emphasizes long-term, diversified portfolios with a focus on dividend-paying companies and tax efficiency, and it provides a subscription service for self-directed investors alongside regular client reporting.

Dale Ringerwole is a financial advisor at DC & Associates with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with DC & Associates since 2005. Outside of advising, he serves on the finance committees of the Alliance of Reformed Churches and the Kent County Conservation League. DC & Associates serves individual investors, high-net-worth individuals, and business clients with portfolio management, financial planning, and access to third-party investment solutions. The firm provides personalized Investment Policy Statements and combines house-level portfolio management with third-party managers through the AssetMark platform, offering tailored strategies based on a blend of modern portfolio theory, fundamental and technical analysis, and long-term trading.

Tyler Howe is a Series 65-licensed financial advisor with Clarity Wealth Management LLC in Grand Rapids, MI. He has over a decade of industry experience, including eight years at O'Neill Asset Management and four years at Clarity Wealth Management. Outside of his advisory work, he is an independent life insurance agent and also works as a food delivery contractor through multiple platforms. Clarity Wealth Management LLC provides portfolio management services to individual and corporate clients, emphasizing fundamental analysis and long-term investing primarily through mutual funds and ETFs. The firm offers discretionary account management and may refer clients to third-party advisers, maintaining ongoing oversight of those relationships.

Steven Brohl is a CFP® professional and principal of Brohl Financial LLC in Grand Rapids, MI. He has prior experience in tax and accounting, currently providing tax services as a CPA through Brohl Tax & Accounting, PLLC. His previous roles include positions at Hungerford Nichols CPAs and Advisors and Alticor Inc. Brohl Financial LLC offers discretionary investment management and comprehensive financial planning for individual and high-net-worth clients. The firm focuses on diversified portfolios using low-cost mutual funds and ETFs, with an investment process grounded in fundamental analysis and a generally long-term orientation.

Andrew Jakubowski is the sole advisor at Adestella Investment Management LLC in Grand Rapids, MI. He holds a Series 65 designation and has 11 years of experience, all with Adestella. Adestella provides discretionary portfolio management primarily for high-net-worth individuals, families, trusts, foundations, endowments, private funds, and other investment advisers. The firm uses a long-biased, value-driven approach focused on independent research and concentrated security selection, managing portfolios with flexible authority across multiple asset types including equities, ETFs, options, and derivatives.

Tammera Nevins is a financial advisor at Freedom Financial Consulting with two years of industry experience. She holds a Series 66 designation and has previously worked at Thrivent Investment Management and Wells Fargo Advisors. Outside of finance, she works part-time as a bartender at Brewery 4Two4. Freedom Financial Consulting provides portfolio management and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a combination of long-term trading, modern portfolio theory, and technical analysis, utilizing mutual funds, equities, fixed-income securities, ETFs, and Treasury inflation-protected securities.

Shad Thomas is a CFP® professional with two years of experience in financial advising. He is the sole advisor at Stamford Bridge Wealth Management LLC and has prior experience at Brighton Jones and United Bank, along with a 20-year career in the U.S. Coast Guard. Stamford Bridge Wealth Management LLC provides discretionary asset management and financial planning primarily for individual and high-net-worth clients. The firm offers customized portfolio management focused on client objectives, time horizon, and risk tolerance, employing various investment strategies without institutional or wrap-fee programs.

I was a college professor for many years and now I teach fellow professors how to manage their finances with confidence. I teach early-career professors how to create an effective financial plan and teach seasoned professors how to adjust their plans as retirement approaches. As a professor, I prepare for the first day of class. As a money mentor, I help professors prepare for their first day of retirement. As a professor, I help students develop an academic plan to meet their career goals. As a money mentor, I help professors develop a financial plan to achieve their life goals. Unlike most financial professionals, I work with you as a fee-only fiduciary planner. This means I am paid directly by you for objective advice without sales commissions, hidden fees, or conflicts of interests. My earliest money memory is saving my allowance and birthday money to pay for a toy when I was seven years old. I went to the sales counter with my piggy bank and dumped out coins and crumpled dollar bills. To this day, I value the ability to save for future goals. And yes, I still own the ceramic piggy bank! Investments are important, but so are income taxes, insurance, education funding, daily spending habits, estate planning and our relationship with money. I look forward to helping you achieve clarity and confidence with all aspects of a comprehensive financial plan.

Steven Underriter is a financial advisor at Freedom Financial Planning Solutions, LLC, holding a Series 65 designation with eight years of industry experience. He has worked part-time as an administrative employee and 5% owner at Capitol Defense Consulting, LLC since 2013 and provides subject matter expertise on Navy aircraft programs at Systems Planning & Analysis, Inc. since 2020. Freedom Financial Planning Solutions offers financial planning and portfolio management services to individual clients, employer plan sponsors, charitable organizations, and small businesses. The firm primarily uses passive investment strategies with diversified funds and ETFs, while also providing tailored models and oversight of outside managers, along with ancillary services such as personal tax preparation and student loan analysis.

Justin Hales is a financial advisor at Greenrock Wealth Management, LLC in East Grand Rapids, MI, holding Series 63 and Series 66 licenses with 15 years of industry experience. He founded Greenrock Wealth Management in 2015 and is involved in an affiliated insurance practice through Greenrock Advisory, where he is a licensed insurance agent. Greenrock Wealth Management provides discretionary portfolio management to individuals, high-net-worth clients, and business entities, managing approximately $35.6 million in client assets. The firm focuses on tailored investment management using individualized asset-allocation strategies and primarily invests in mutual funds and diversified portfolios.

Devon Albarez is a financial advisor at Integrity Financial Advisors, LLC with three years of industry experience. He holds a Series 65 designation and previously worked at Menards for ten years. Albarez is also an insurance agent affiliated with Integrity Financial Group, LLC, where he is involved in business planning, client services, and accounting related to securities and advisory services. Integrity Financial Advisors provides comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, families, and small businesses. The firm uses third-party platform providers and model portfolios to tailor asset allocations and plans to client objectives.