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    <loc>https://www.kapteynwealth.com/team</loc>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Team - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/3fb4a047-6b80-4122-b32d-0b8c5338f1e5/23034_KWP_2023+Photography_R2_06392.jpg</image:loc>
      <image:title>Team - William “Bill” C. Kapteyn, Jr.</image:title>
      <image:caption>Financial Planner / Branch Manager</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1628102944601-OSGI2LKO7RGAGNL51NLW/21036_KWP_Office+Photography_0164-cropped.jpg</image:loc>
      <image:title>Team - Chad Wight</image:title>
      <image:caption>Financial Planner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1628100582100-WYCT4D279R1UIU1LKFXT/team_portrait_jason.jpg</image:loc>
      <image:title>Team - Jason Wagenmaker</image:title>
      <image:caption>Financial Planner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/fbff970c-b7f4-4df9-8b76-44df82d1d8a8/21036_KWP_Office+Photography_03402.jpg</image:loc>
      <image:title>Team - Raymond “Johnny” Schat, AAMS®</image:title>
      <image:caption>Financial Planner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1628101464617-NDLNIN84YN5T9WYCQAU4/team_portrait_landon</image:loc>
      <image:title>Team - Landon Poll, AAMS®, CKA®</image:title>
      <image:caption>Financial Planner</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/bb294553-896b-4fee-a638-0785f1511e11/21036_KWP_Office+Photography_03440.jpg</image:loc>
      <image:title>Team - Anna DeBoer, CFP®</image:title>
      <image:caption>Paraplanner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/a2767259-7f33-4871-8b88-53cfb26d2894/23034_KWP_2023+Photography_R2_06402.jpg</image:loc>
      <image:title>Team - Nancy Kapteyn</image:title>
      <image:caption>Office Manager</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/537d9deb-46c2-4c6c-9a6a-d27793e2efa1/21036_KWP_Office+Photography_03450.jpg</image:loc>
      <image:title>Team - Cassie Hanko</image:title>
      <image:caption>Client Service Associate</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/5e3d6197-8a77-40c8-8f28-4d9fbfb42247/21036_KWP_Office+Photography_03423.jpg</image:loc>
      <image:title>Team - Anna-Marie Pluymert</image:title>
      <image:caption>Client Service Associate</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/d7e29040-ca62-4c9c-96f7-ff0cf308949d/21036_KWP_Office+Photography_03413.jpg</image:loc>
      <image:title>Team - Taylor Doezema</image:title>
      <image:caption>Client Service Associate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/approach</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-02-09</lastmod>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/general-1</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2024-10-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1631121579783-L6V9MF2RRMLC33E67JO7/21036_KWP_Office+Photography_1503.jpg</image:loc>
      <image:title>Home - Welcome</image:title>
      <image:caption>Perhaps a modern expression of this ancient text is to say, “Money talks.” Believing that money is a tool, a test, and a testament, we want to help you clarify what money will say about you.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1633443535411-UIQ7ZAJ8LBQ3B5YR70QT/Screen+Shot+2021-10-05+at+10.18.27+AM.png</image:loc>
      <image:title>Home - The Good Life</image:title>
      <image:caption>Your visions of “the good life”—which perhaps, like Ecclesiastes, include laughter, gladness, and relationships—reflect what you value most, and these are often the very things you wouldn’t trade for all the money in the world.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1633443785615-GRYYM1D5PSIAJJZ331JQ/Screen+Shot+2021-10-05+at+10.22.41+AM.png</image:loc>
      <image:title>Home - Plan To Enjoy</image:title>
      <image:caption>Since the money you have today impacts every aspect of your life tomorrow, giving it a purpose is critically important. The result can be a life of enduring value and generosity, one that is rich in all the ways that matter, and we believe that kind of wealth is worth planning for.</image:caption>
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  <url>
    <loc>https://www.kapteynwealth.com/contact</loc>
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    <lastmod>2021-10-05</lastmod>
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  <url>
    <loc>https://www.kapteynwealth.com/lets-connect</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-15</lastmod>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/bill-kapteyn</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1630509134813-A1KFDHHPB848OFP7YMAM/21036_KWP_Office+Photography_0870.jpg</image:loc>
      <image:title>Bill - William “Bill” C. Kapteyn, Jr.</image:title>
      <image:caption>I grew up on the northeast side of Grand Rapids and graduated from Calvin College. Before entering the Financial Services industry I was the General Manager at two different restaurant chains in the area. However, I completed the certificate program in Financial Planning at GVSU’s Seidman School of Business while serving as Partner and eventual President of a small broker dealer firm in Grandville, MI. What is most satisfying about the work we do is the depth of relationships that emerge. It is a pleasure helping answer the most important questions that transcend their financial lives. It is also a joy for me to bring young and intelligent people of high character into the business to teach them about financial planning and mentoring them to grow long-term client relationships.     My wife Nancy and I live in Byron Center. Together we have four children; Karly, Grant, Kirsten and Isaiah. I enjoy spending time at the pool with my grandchildren and visiting our family cabin.</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/chad-wight</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1630509023750-4G0952JMXY32AV89LUXK/21036_KWP_Office+Photography_0800.jpg</image:loc>
      <image:title>About Chad - Chad Wight</image:title>
      <image:caption>Some say that “work isn’t about where or what you do, but rather who you work with.” Having co-workers as great as mine, I spend my days trying not to be the annoying one who has yet to learn the phone system and always drinks the last of the coffee. When the workday ends, I am a father of four daughters and three sons-in-law, married to my high-school sweetheart, “Papa” to some cuddly grandchildren, a Masters educated theology buff, a varsity high school football coach of 20 years, a Cornerstone University adjunct professor for 25 years, and a lover of Italian food and the outdoors. I have been with Kapteyn Wealth Partners since early 2014 and I cannot imagine a better opportunity than Financial Planning. Helping clients in a way that impacts every aspect of their lives is a great honor. As Ecclesiastes says, “money talks,” which is why I enjoy asking the question, “What does money say about you?” This makes for great conversation even on the last cup of coffee, unless it’s by phone! If we have not already, I look forward to talking with you soon.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/johnny-schat</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/7affda30-6be6-4377-ab3a-e820dfc14778/23034_KWP_2023+Photography_R2_06499.jpg</image:loc>
      <image:title>About Johnny - Johnny Schat, AAMS®</image:title>
      <image:caption>When it comes to financial planning, I’ve learned that money is not the end in and of itself.  Rather, it’s the means to the end that you are striving for; namely, “Life More Valuable”.  My desire as a planner is to help gain clarity into what that means for you and to coordinate an organized, comprehensive financial plan that aims at this end. I joined the Kapteyn Wealth Partners team in 2016.  I became a licensed advisor in 2018 after graduating from Calvin College in 2017 with a B.A. in Business (finance concentration, minor in economics).  Shortly after completing my securities licensing I completed Raymond James’ Advisor Mastery Program and attained the Accredited Asset Management Specialist® designation from the College for Financial Planning. I’m an avid reader (of history and theology, specifically), golfer (though my game doesn’t reflect it), and traveler.  I live in Byron Center with my wife, Alison, and my son, Teddy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/landon-poll</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/6902cd85-9020-48fd-999e-b33d19b1ed73/23034_KWP_2023+Photography_R2_06446.jpg</image:loc>
      <image:title>About Landon - Landon Poll, AAMS®, CKA®</image:title>
      <image:caption>How we steward money often serves as an indicator of what we value most in life. It’s my desire to help individuals and families use their finances to live life “on purpose.” It’s not until this purpose is identified that we work to gather information and assemble a thorough financial plan. I joined the Kapteyn Wealth Partners team in May of 2020 and completed my securities licensing in August of 2021. I graduated from Cornerstone University in May of 2022 with a B.S. in Business (Finance concentration, Minor in Biblical Studies) and again in June of 2023 with an M.B.A. Outside of the office, you’ll often find me fishing on Lake Michigan, on the golf course, or enjoying time with family and friends.</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/jason-wagenmaker</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/1630509229766-RWINSOGJIDLN4IU6NNET/21036_KWP_Office+Photography_0773.jpg</image:loc>
      <image:title>About Jason - Jason Wagenmaker</image:title>
      <image:caption>Born and raised in West Michigan, I have always called the lakeshore home. In 2005, I graduated from Hope College with my BA in Business and immediately began my career in financial services. While the time I’ve spent at different firms taught me valuable lessons and expanded my perspective, I’m proud to be a part of Raymond James and Kapteyn Wealth Partners. I find my role as a Financial Planner parallels my love of coaching. Seeing both players and clients learn, improve, and accomplish goals both large and small motivates me and brings me joy. The highlights of my career are moments of celebration with clients as they realize the results of careful planning. Often times, goals are years in the making and are about so much more than money. These long-term client partnerships are what I look for and are a great fit for our office. When I’m not at work, I enjoy a variety of sports and outdoor activities. You’ll most often find me spending time with the three most important people in my life; my wife and two daughters.</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/cassie-hanko</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/6c8106f6-ed47-444a-8faa-8ede0f1d3371/23034_KWP_2023+Photography_R2_06464.jpg</image:loc>
      <image:title>Cassie - Cassie Hanko</image:title>
      <image:caption>For several years I have had various administrative roles, but most recently I started as a Client Service Associate with Kapteyn Wealth Partners. I am excited to grow my relationship with our clients by being a helpful resource and friendly contact for them. I enjoy spending free time with my family and friends. Summer is my favorite time of the year and I spend it doing various outdoor activities including beach days and camping trips.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.kapteynwealth.com/anna-deboer</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/8087f890-39b9-49a8-b5f6-ec6633559c95/23034_KWP_2023+Photography_R2_06455.jpg</image:loc>
      <image:title>Anna - Anna DeBoer, CFP®</image:title>
      <image:caption>I joined Kapteyn Wealth Partners in May 2023 after earning my B.S. in Business Administration with a concentration in Financial Planning from Liberty University. Shortly after graduation, I moved back to the Grand Rapids area to begin my career with the Kapteyn Wealth Partners team, complete my securities licensing, and pass the CFP® exam- all while celebrating a major personal milestone: getting married! When I’m not in the office, you’ll likely find me spending time with family and friends, relaxing at the lake, or spending time outside.</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/nancy-kapteyn</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-06-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/87381926-c704-4ce7-9426-3a71fc83fca7/23034_KWP_2023+Photography_R2_06401.jpg</image:loc>
      <image:title>Nancy - Nancy Kapteyn</image:title>
      <image:caption>As the wife of a business owner, my work with KWP has adapted over the years. Today, one would most often find me overseeing and assisting our administrative team, organizing events to keep our client family well connected, maintaining a professional and friendly office environment, and even providing an occasional kitchen creation for the team (as long as Bill is willing to share it).</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/anna-marie</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/d6d0435a-b5b7-42fa-be38-6fa345b7e2de/21036_KWP_Office+Photography_03462.jpg</image:loc>
      <image:title>Anna-Marie - Anna-Marie Pluymert</image:title>
      <image:caption>In November of 2024, I joined Kapteyn Wealth Partners as a Client Service Associate. I graduated from Aquinas College in 2021 with a major in Communications. After graduation, I worked as a communications director for a local nonprofit. I am excited to gain business/financial administrative experience and grow my skills in customer relations.  In my free time, I enjoy spending time with friends and family traveling, golfing and game nights. I was born and raised in West Michigan and continue to live here with my husband and two cats.</image:caption>
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  </url>
  <url>
    <loc>https://www.kapteynwealth.com/taylor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/606b6c18c5d4d77d692c9e87/4a94acc7-68ee-4a71-9d76-13404d92ab97/21036_KWP_Office+Photography_03487.jpg</image:loc>
      <image:title>Taylor - Taylor Doezema</image:title>
      <image:caption>I recently started as a Client Service Associate here at Kapteyn Wealth Partners in the fall of 2024. I look forward to growing relationships with my coworkers and all those who walk through the doors. In my free time, I love spending time with my family and friends, especially spoiling my nieces. I also have a passion for traveling when I have the chance. Staying active is important to me, so I enjoy playing sports and engaging in fun activities during the warmer months.</image:caption>
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