R. Kramer is a financial advisor at LPL Financial with 47 years of industry experience. He holds Series 63 and Series 66 designations and has been with LPL Financial since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Lewis Rowe is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and over 39 years of industry experience. His previous roles include positions at Oppenheimer, Citizens Securities, The Huntington Investment Company, and Comerica Securities. He also provides financial planning and consulting services through Institutional Investment Consulting, an independent advisory firm he started in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Paul Stephens is a financial advisor at LPL Financial with 33 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including Cantella & Co., Inc. and Comerica Securities. Since 2013, he has also provided consulting services through Institutional Investment Consulting (IIC), an independent registered investment advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by extensive operational and research tools.

Ernesto Marchioni is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 designations and over 43 years of industry experience. He has worked at LPL Financial since 2021 and previously at Travis Smith and Waddell & Reed, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives offering diverse financial planning and investment management solutions.

Travis Smith is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and having 20 years of industry experience. Prior to joining LPL Financial in 2021, he spent 11 years as Chief Advertising Officer at Stickradt Media Group/NorthOaklandSports.com and 14 years working with various insurance carriers for W & R Insurance Agencies. Outside of financial advising, he remains involved in advertising through his role at Stickradt Media Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a broad range of advisory and brokerage services, utilizing both proprietary and third-party investment models across varying strategies.