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.

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.

Kyle Grevengoed is a CFP® with six years of industry experience, currently serving as the sole advisor at 320 Life Financial Planning in Holland, MI. His prior experience includes roles at Alight Financial Advisors and Zeiders Enterprises. He is the founder and director of Living Hope Camping Foundation, Inc., a nonprofit that funds camp and educational opportunities for families and individuals. 320 Life Financial Planning primarily provides investment management for pooled vehicles and institutional accounts, along with limited direct counseling for individual clients. The firm combines portfolio management with financial counseling and education, serving a range of clients including servicemembers and individuals affected by gambling, and offers services through hourly or annual fees rather than percentage-of-assets models.

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.

Eric Gritter is a CFP®, CFA®, and Series 66-licensed financial advisor with 18 years of industry experience. He is the owner of Gritter Financial, LLC, which operates under the name Clearview Capital. His prior roles include positions at USA Financial Corporation and Strategic Financial Group. In addition to his advisory work, he is a licensed insurance agent and occasionally offers commissionable insurance products. Clearview Capital provides portfolio management and financial planning services to individual and high-net-worth clients, using a tailored Investment Policy Statement for each engagement. The firm employs a combination of fundamental analysis, modern portfolio theory, and technical analysis, managing diversified portfolios that include mutual funds, ETFs, equities, fixed income, real estate funds, TIPS, and insurance products.

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.

Brent Bowen is the sole advisor at Bowen Financial Planning LLC in Holland, MI, holding a Series 65 license with 11 years of industry experience. He has operated his independent firm since 2014. The firm provides fee-only financial planning and investment management for individuals, couples, and families, focusing on retirement planning, tax and estate considerations, college funding, and workplace accounts. Bowen Financial Planning uses modern portfolio theory to recommend diversified allocations primarily through low-cost ETFs, no-load mutual funds, and closed-end funds, and offers both ongoing asset management and hourly consulting services.

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.

John Knight is a financial advisor at Lamberson Knight Wealth Management LLC with 19 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Lamberson Knight Wealth Management since 2016. In addition to his advisory role, he is an independent insurance agent licensed in life and health insurance. Lamberson Knight Wealth Management provides personalized investment management and advisory services to individuals, high-net-worth clients, charities, pension and profit-sharing plans, and business entities. The firm employs a tactical, model-based investment approach with a generally long-term horizon and offers predominantly non-discretionary asset management, requiring client approval before trade execution.

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.

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.

Joel Genzink is a financial advisor at Magna Advisors with a Series 66 designation and two years of industry experience. He previously worked at Capital Harbor Advisors, LPL Financial, and Securities America, and has a background in real estate brokerage with RE/MAX Lakeshore. Outside of his advisory role, he is involved in mortgage and real estate services through a separate business entity. Magna Advisors provides investment management and financial planning services to individuals, high-net-worth families, family offices, and corporate clients. The firm delivers personalized portfolio management using a combination of mutual funds, ETFs, and other securities, guided by asset-allocation principles and multiple analysis methods, generally managing accounts on a discretionary basis.

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.