Wealth Management Client Access

 

Wealth Management

ChoiceOne Wealth

Bringing Intention to your life

At ChoiceOne Wealth, we work with families to articulate, develop and meet your family goals. By working with our experienced, nimble and responsive team members, we help you create a comprehensive financial plan to ensure your goals are consistently met. Our wealth teams offer four areas of expertise: investing, lending, banking and trust services. Our experts allow your family to focus on the goals you have set for your life, family and community.

Planning

We offer a comprehensive financial planning strategy to help you articulate and achieve your goals. We’ll assist you in managing your finances, monitoring your accounts and distributing funds to your family and more.

Investing

We work with you to construct investment portfolios that are in line with your risk/reward tolerance. Wealth can mean security and freedom, and managing that wealth requires time and expertise.  This expertise allows you to be less concerned about managing your money and more about enjoying it.

Lending

Borrowing can play an important role in helping you reach your financial goals. We take a strategic approach to lending by matching lending solutions to your overall financial goals.

We offered tailored lending solutions for our Wealth clients. We craft these solutions by matching them to your goals.

Mortgages

We work closely with our mortgage loan officers to help identify the lending strategy that’s right for you.

Securities Based Lending

Our Private Bank line of credit allows you to free up money for your short-term needs and keeps your long-term investments work for you.

Banking

We offered premium products and services for our Wealth clients that meet your specific needs. You will have easy access to your money, when and where you need it.

Personal Banking

Our Private Bankers are there to serve the needs of our clients with complex financial lives. Our white glove service will help you simplify your financial complexity as we work closely with both internal wealth professionals and external advisors. By understanding your entire financial picture, we make banking more efficient and more focused on your needs.

Here is what you can expect:

  • White glove service centered around you and your family’s needs
  • Mobile and online platforms for secure banking anytime/anywhere
  • Dedicated ChoiceOne team members who are experienced, nimble and responsive

 

Trusts & Estates

 

Trust Services

Our trust experts handle complex trusts and estates. Our experienced trustees act as fiduciary capacity to ensure your wishes are carried out. We help bring our client’s legacies to life.

By setting up a trust, you can safeguard and transfer your assets to the next generation. We will help you structure and oversee your family trust. We have a profound responsibility to you and your beneficiaries acting as trustee. We were closely with your family and outside advisors to ensure your trust is managed to your wishes.

How we can work with your trust

As sole trustee

  • We take on complete responsibility for investment and distributions

As co-trustee

  • We share responsibility for making investments and distributions with other individuals

As an agent for trustee

  • A trustee hires us to assume certain responsibilities but retains final say on all decisions

How can we help?

Financial Management

  • Hold your trust’s assets
  • Invest trust assets in accordance with your objectives
  • Pay trust expenses and fees for services

Provide trust accounting

Planning and advice

  • Analyze your specific trust provisions and create a long-term administration plan
  • Balance the needs of all beneficiaries, and sometime future generations
  • Offer objective decision making and advice to you, co-trustees and beneficiaries

Distribution and Reporting

  • Review and make distributions to beneficiaries as specified in terms of the trust
  • Communicate the trust’s performance and decisions regularly to the beneficiaries, co-trustees and
    third-party advisors as necessary.

Tax and legal requirements

  • Monitor, interpret, comply with and apply state and federal laws
  • Plan, prepare and file your trust’s income tax returns

Maintain all trust records, and keep track of custody and legal ownership

Estate Services

Picking the right executor-and the right team of supporting professionals can make a meaningful difference in how well your plans are carried out and how easily and efficiently your loved ones will receive their inheritance. As your executor, we take great care to ease the burden of your loved ones. We will also ensure that your wealth end up right where you want it.

What does an executor do?

  • Identifying, collecting, securing and valuing an estate’s assets and liabilities.
  • Preserving the value of the estate until distributions are made to beneficiaries.
  • Managing estate assets to satisfy ongoing expenses and distributions.

How we can work with your estate

  • As sole executor: We take complete responsibility for settlement, administration and estate disposition
  • As co-executor: We share responsibility for oversight and administration with other individuals
  • As agent for the executor: An executor hires us to perform administrative duties but retain final responsibility.

Estate Administration

  • Coordinate probate of your will
  • Inventory all estate assets and value the assets for estate tax purposes
  • Secure estate assets-cancel credit cards, review insurance coverage, transfer vehicle registrations, etc.
  • Collect all financial assets, and pay debts and expense of the estate
  • Perform complete record keeping in compliance with tax law standards

Investment Management

  • Evaluate and determine reserves to meet future distributions, debts, expenses, taxes and other payments

Accounting and Tax Management

  • Collect and examine income tax returns, bank statements and gift tax returns for the prior three years.
  • File and pay income tax returns for the estate. This will include preparation of estate, inheritance, income and transfer tax returns.

 

Meet the Wealth Management Team

East Michigan Team

Rob Jamula

Senior Vice President, Director of Wealth Management
616.678.5914 | [email protected]

Rob’s favorite destination in Michigan is Glen Arbor. “It is to me the most beautiful place in Michigan in the summer. I also enjoy hiking the Sleeping Bear Dunes with my wife.”

Read Rob’s Bio

Rob joined ChoiceOne in 2021 with over 28 years of commercial banking and wealth management experience. His most recent positions included leadership roles with several regional banks covering Wealth Management and Private Banking managing high net worth clients in Michigan, Ohio, Minnesota, and Colorado. His current responsibilities include managing a team of professionals that provide wealth solutions for clients and prospects of ChoiceOne Bank. Rob holds a Bachelor of Business Administration in Accounting from Grand Valley State University. He is currently Chairman of the Board for CASA (Court Appointed Special Advocates), an organization which serves the needs of abused and neglected children in Michigan.

Adam J. Schlusler

Vice President, Wealth Advisor
810.245.2946 | [email protected]

Adam’s favorite Michigan destination is East Tawas. “It’s hard to beat a sunrise over Lake Huron, or a summer day on the lake.”

Read Adam’s Bio

Adam joined ChoiceOne in 2021 with seven years of experience in the financial services industry. Most recently, Adam served as Vice President and Senior Relationship Manager with a regional bank where he was the lead relationship manager for high and ultra-high net worth clients and their families throughout Flint and the Great Lakes Bay Region. Prior to joining the financial services industry, Adam was a practicing attorney, focused on estate planning, probate, business and other litigation. Adam holds a law degree from Michigan State University College of Law and has a Bachelor of Arts in Political Science and Legal Studies from Central Michigan University. Adam also has a License to Practice Law in Michigan and has his Certified Trust and Financial Advisory (CTFA) designation offered by the American Bankers Association (ABA). Active in his community, Adam is a Character and Fitness Committee Member for the State Bar of Michigan, a Trust Counsel Committee Member for the Michigan Bankers Association, a Board member of the Lapeer County Scholarship and Student Loan Fund, and Board Member, Finance Committee, Policy & Personnel Committee Member for Central Church of the Nazarene.

Steven Devolder

Senior Vice President, Senior Trust Officer
810.245.2933 | [email protected]

Steve’s favorite Michigan destination is Muscamoot Bay. “It’s a place where I spend time with family and friends, and it’s always an enjoyable time.”

Read Steven’s Bio

Steve joined ChoiceOne in 2018. He has over 38 years of experience in banking and finance. Most recent to his current position, Steve worked at a national bank as Vice President, Trust Officer in Southeast Michigan for 16 years. He also has worked as a Commercial Loan Relationship Officer, Municipal Banking Officer and Mortgage Officer for various banking institutions and as a licensed Financial Advisor for a large brokerage firm. Steve has a Master of Science in Finance from Walsh College in Troy and a Bachelor of Science in Business Administration from Wayne State University in Detroit. He also has the Chartered Financial Consultant (ChFC) Designation from The American College of Financial Services (a private online university) and the Certified Trust and Financial Advisor (CTFA) Designation from American Bankers Association (ABA). As a community volunteer, Steve is a Board member of the Lapeer County K.I.N.D. – Kids in New Directions.

Tyson “Ty” Schmidt

AVP, ChoiceOne Financial Advisors
Financial Advisor, Infinex Investments, Inc.
810.245.2935 | [email protected]

Ty’s favorite Michigan destination is the family cottage in the town of Lake. “It’s a family place to gather, boat and fish with my kids and grandkids.”

Read Ty’s Bio

Ty began his career with ChoiceOne in 2016 as a Financial Advisor, Infinex Investments, Inc. Broker and was promoted to Assistant Vice President in 2019. Ty has 20 years of experience as a Financial Advisor managing his clients’ portfolios. He is also responsible for training and coaching new advisors. Ty holds licenses in Life, Accident, Health, Series 63,6,65 and 7. He is a member of the St Lorenz Male Choir, worked with St Lorenz youth on several mission trips, and served on counsels and boards at the church over the years. Ty volunteered with Auto Fest of Frankenmuth for 20 years and was selected to represent Habitat for Humanity in San Salvador.

Robert (Rob) Onesko

Vice President, Private Banker
586.646.8119 | [email protected]

Rob’s favorite Michigan destination is Traverse City. “I love the beauty and the serenity of the area but also enjoy the vibrant downtown with the unique restaurants and shops.”

Read Rob’s Bio

Rob joined ChoiceOne in 2021 with over 19 years of banking experience in wealth management, business banking, and retail banking, including multidisciplinary expertise in high net-worth banking, lending, mortgage, and trust. Prior to joining ChoiceOne, Rob served as Senior Vice President and Business Development Officer for a community bank in Royal Oak, and prior to that as Vice President, Private Banker for a regional bank office in Birmingham. Rob received both his Master of Business Administration (MBA) in Finance and his Bachelor of Science in Business Management with a minor in Human Resources from Oakland University, Rochester. Serving his community, Rob is a current Board Member of the Huntington Woods Men’s Club. He has previously served as United Way Captain, Chair of the Berkley Downtown Development Authority and Charter Member of the Berkley Lions Club.

Sarah Wagner

Trust Operations Coordinator
810.245.2940 | [email protected]

Sarah’s favorite destination in Michigan is the Tunnel of Trees located in the northwest area of the Lower Peninsula. “The Tunnel of Trees has amazing forest views and overlooks Lake Michigan. It is one of the most beautiful areas in Michigan, especially in the fall when the leaves are changing. The route also has many cute shops, cafes, and delicious restaurants. It is perfect for a relaxing day trip.”

Read Sarah’s Bio

Sarah began her banking career in 2013 as a Teller for ChoiceOne Bank. She was promoted to Licensed Brokerage Sales Assistant in 2017 and to her current position as Trust Operations Coordinator in 2021. Graduating from the University of Michigan, Flint, Sarah has a Bachelor of Business Administration. She also has an associate degree in General Studies from Mott Community College, Flint. In addition, Sarah has professional licenses as a Life and Health Insurance Producer and her FINRA Series 6, 7, 63, & 65.

Nancy Contreras

Wealth Management Administrative Assistant
810.245.2936 | [email protected]

An avid golfer, Nancy’s favorite Michigan destination is any golf course because, “I love the game but not sure it loves me!”

Read Nancy’s Bio

Nancy has over 17 years assisting in Wealth Management and Trust Services. She began her Wealth Management and Trust career in 2005 progressing from Client Advisor to Trust Accountant I to Administrative Assistant at two regional banks in Flint. She joined ChoiceOne Bank in 2016 as the Wealth Management Administrative Assistant.

Ginger Lockrey

Wealth Management Administrative Assistant
810.245.2937 | [email protected]

Ginger’s favorite Michigan Destination is Traverse City. “I love the food, the wineries, the beaches, walking trails and everything in between.”

Read Ginger’s Bio

Ginger has over 24 years of banking experience with ChoiceOne Bank. She began her career at ChoiceOne in 1998 in Consumer Loans assisting in mortgages as well as Commercial Loans. In 2016, she moved into her current position as Wealth Management Administrative Assistant. Ginger is ATOP Certified (Certified Accredited Trust Operations Professional).

West Michigan Team


John Mousel, CFP®

VP, ChoiceOne Financial Advisors
Financial Advisor, Infinex Investments, Inc.
616.678.5606 | j[email protected]

John’s favorite Michigan destination includes anywhere on the water in Ludington. “This is where I like to swim, windsurf and go sailing.”

Read John’s Bio

John is a Certified Financial Planner (CFP®) Certificant. He joined ChoiceOne in 2017 as Assistant Vice President of ChoiceOne Investment Center and was promoted to Vice President, Financial Advisor in 2019. Before joining ChoiceOne, John was a Registered Representative with his family-owned Insurance Agency in Fremont, where he analyzed legal documents including wills, trusts, financial statements, and insurance policies. Prior to this, John also owned a personal business practice in Rockford, where he managed employer sponsored retirement plans, personal financial plans, mutual funds, stocks, life insurance and annuities, long term care and disability insurance. John has a Bachelor of Science in Finance from Central Michigan University, Mt. Pleasant, and a Master of Business Administration (MBA) in Finance from Grand Valley State University, Grand Rapids. He has his FINRA Brokerage Licenses: RIA, Series 7, 24, 26, 51, 63 & 65.

Tracy Adams

Officer, ChoiceOne Financial Advisors
Financial Advisor, Infinex Investments, Inc.
231.780.1812 | [email protected]

Tracy’s favorite Michigan destination is Nordhouse Dunes in Ludington. “You can find me on the weekends camping, hiking, and just out enjoying nature.”

Read Tracy’s Bio

Tracy joined ChoiceOne Bank in 2016 with over 20 years of experience in investment services including work with an investment and wealth management brokerage, a regional bank, as well as owning his own firm for nine years. As a Financial Advisor, Tracy assists his clients with their investments, retirement, and insurance planning needs. Tracy holds his Series 6, 66, and Life and Health Insurance Licenses, and studied Business Management at Ferris State University. Outside the office, Tracy has coached and refereed volleyball for the last 25 years, and coached travel hockey for five years.

Konrad Raclawski

Assistant Vice President Wealth Advisor (West Market)
616.612.3045 | [email protected]

Konrad’s favorite Michigan destination is anywhere on the water whether swimming in Lake Michigan, kayaking the Rogue river or fishing on local lakes.

Read Konrad’s Bio

Konrad joined ChoiceOne in 2016 as a Personal Banker. He was promoted to Assistant Manager for the Sparta and Appletree branches in May 2017 and promptly promoted to Assistant Vice President Branch Manager in July 2017. Before joining ChoiceOne, Raclawski spent five years in restaurant management.

Raclawski received his Bachelor of Science in Psychology from the University of Colorado Denver. He is a graduate of the Michigan Bankers Association Perry School of Banking, and received the ChoiceOne Bank Circle of Excellence award in 2021.

Active in his community, Raclawski sits on the Sparta and Kent City Rotary Board of Directors and the Sparta and Kent City Chamber of Commerce Board of Directors.

Courtney King

Financial Advisors Operations Manager
616.612.3045 | [email protected]

Courtney’s favorite Michigan destination is Grand Marais. “I have gone there on family vacations since I could walk. The area is beautiful and its fun walking the shoreline for shipwrecks. Also, the drive to Pictured Rocks National Park is right around the corner, it’s a beautiful place to hike.”

Read Courtney’s Bio

Courtney joined ChoiceOne as Operations Manager in 2020 with over 12 years of experience working in customer service, and over five of those years in management. Today, she manages back-office operations which includes arranging and confirming appointments, maintaining databases, organizing documents and files, and assisting advisors. Currently, Courtney is pursuing her Associate of Business Administration in Management at Davenport University in Grand Rapids. She also volunteers at Lionheart Productions, a performing arts theater in Grant, as a music director and piano accompanist.

 

ChoiceOne Financial Advisors

We’re here to help you in an effort to improve the quality of your life. We strive to do this by recommending and implementing investment strategies that are tailored to your needs. We listen, educate, and then serve. Your partnership is a privilege.

Call us at 616‑678‑4961. Check the background of investment professionals associated with this site on FINRA’s BrokerCheck

Infinex Services Available

Our services are custom because your needs are unique. We work to provide you with a comprehensive financial plan with a goal to help you build, manage, and preserve your future. This plan includes:

  • ESTATE PLANNING*
  • ASSET PRESERVATION STRATEGIES
  • RISK MANAGEMENT
  • RETIREMENT PLANNING
  • COLLEGE PLANNING
  • TAX MANAGEMENT**
  • CHARITABLE GIVING
  • STOCKS, BONDS & MUTUAL FUNDS

*Infinex does not provide Legal Services. To establish an estate plan, investors should consult their legal counsel.
**Infinex does not provide tax advice. Investors should consult their tax advisors for their particular situation.

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What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.