Joshua Mulder is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Raymond James since 2016 and previously spent six years with Ameriprise. Mulder is associated with Mulder Financial Group, a partnership name used for business purposes, with all client activity conducted through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm uses tailored, non-discretionary planning supported by analytical tools and offers a range of programs, including municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Eric Souder is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has nine years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, The Vanguard Group, and TD Bank. He serves as treasurer for both St. Mary Magdalene Orthodox Church and the Rotary Club of Waterford in Michigan. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a broad network of independent advisors and serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, with more than 10,000 advisors managing over $256 billion in assets.

Kourtney Fuller is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this position, she collaborates with clients to understand their financial goals, priorities, and risk tolerance, providing comprehensive financial planning analyses and personalized guidance to support informed decision-making. Her professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2023 to 2025, followed by Investment Consultant from 2025 to 2026, before assuming her current role. This progression reflects her developing expertise in financial planning and investment consulting. Outside of her professional work, Kourtney has interests in activities such as going to the beach, attending concerts, gardening, caring for pets, playing softball, and traveling.

David Stewart is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James & Associates since 1999. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional advisory services.

Michael Johnson is a financial advisor with Edward Jones in Howell, MI, holding a Series 66 credential and five years of industry experience. Prior to joining Edward Jones in 2021, he worked for six years at Boehringer Ingelheim. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supporting a large nationwide network of financial advisors and branch offices.

Kate Vander Meulen is a financial advisor at Edward Jones with eight years of industry experience. Prior to joining Edward Jones in 2018, she worked at Webasto Thermo & Comfort North America, Nikon Metrology, and Southern Lakes Parks & Recreation. She coordinates volunteer efforts for a local mom-to-mom sale event in Ann Arbor, which occurs four days annually. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Ryan Faris is a financial advisor with Ameriprise, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise since 2019 and previously spent a decade at Bank of America and Merrill. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized service that supports advisors in delivering tailored retirement plans.

Denise Palmer is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has been with Raymond James since 2014. Outside of her advisory role, she serves as a guardian and conservator for a family member, managing personal and financial affairs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a broad network of advisers and affiliated research resources.

Amanda Pokrefky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing three years of industry experience. Her background includes roles in education and small business ownership. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and provides financial planning and consulting services supported by a wide range of portfolio management strategies.

Jason Raymond is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2021. In his role, he focuses on creating financial plans that provide confidence at every stage of life, addressing areas such as retirement and investment strategies while helping clients navigate unexpected life events. Jason emphasizes simplicity, transparency, and empowerment in financial planning to help clients focus on achieving their envisioned lifestyles. Outside of his professional work, Jason enjoys activities such as camping, attending concerts, fishing, appreciating music, caring for pets, and traveling.

Susan Wellman is a financial advisor with Primerica Advisors in Highland, MI, holding Series 65 and Series 63 licenses and two years of industry experience. Her prior work includes roles at United Wholesale Mortgage and Keating Network. Outside of advisory work, she serves as Vice President of Strategic Relations at Curus, a non-investment-related position. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies created by unaffiliated asset managers. The firm supports approximately 3,698 advisors and $15.5 billion in assets under management.

Luke Nolan is a financial advisor with Ameriprise in Howell, MI, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory role, Nolan owns The Nolan Consulting Group, provides expert witness services in financial services cases unrelated to Ameriprise, and serves on the finance committee of the Livingston County United Way. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, algorithm-supported recommendations, primarily focusing on assets held within Ameriprise-managed accounts.

Kyle Adams is a CFP® with two years of industry experience, currently with Cetera. Prior to joining Cetera, he worked at Michigan Financial Companies and has experience in financial planning and securities sales. He has also held positions outside finance, including work in landscaping and at a golf club. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform.

Melissa Terhorst is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Raymond James Financial Services since 2005. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs across a large network.

Joseph Ragnone is a Financial Advisor at Merrill Lynch Wealth Management and a member of the NMY Ragnone Group. He works with individuals and families to develop personalized financial strategies aimed at supporting their long-term goals. His professional services include tailored investment management, retirement planning, estate planning, and family wealth strategies. Joseph holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Lake Fenton High School and attended Mott Community College without obtaining a degree. His approach focuses on understanding clients' priorities to create strategies that help pursue their financial objectives.

Garrett Baumbach is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2021. Prior to his current role, he worked at Farm Bureau Insurance and has experience outside the financial industry. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Lubna Jones is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Morgan Stanley. She serves on the advisory finance committee of St. George's Orthodox Church in Flint, MI. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions including retirement, education, risk management, and specialized services such as business-owner transition and special-needs planning.

Mariam Joseph is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. She works closely with clients to develop personalized financial plans that align with their long-term goals. Mariam leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to address various aspects of her clients' financial lives. With a focus on areas such as college education planning, employee benefits, family wealth management, and retirement income, Mariam emphasizes a thorough understanding of each client's needs. She holds the Personal Investment Advisor (PIA) designation and earned her Bachelor's Degree from Mahatma Gandhi University. Mariam is fluent in Malayalam, Hindi, and English. Residing in Rochester, MI with her son, Mariam is actively involved in community organizations including IGEN MI chapter, LEAD for Women, DIWA, InForum Rochester, India Club of Genesee County, and Kerala Club. Her personal interests include traveling, boxing, cooking, football, golfing, knitting/crocheting, tennis, and practicing Krav Maga and weight training.

Chad Ross is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance Associates and Mass Mutual Investors Services. Outside of his advisory role, Ross serves as a city council member for Frankenmuth, Michigan, and is involved as CEO of Pension Plan Consultants, a firm specializing in plan design and advice for self-directed solo and group 401(k) plans. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization supported by various advanced analytical tools.

Jeff Tomlinson is a financial advisor with LPL Financial based in Howell, MI, holding a Series 66 designation and 16 years of industry experience. He previously worked at VOYA Financial Advisors, Inc. and Signator Investors, Inc. Tomlinson is also involved with Nova Retirement and Wealth Solutions, a business related to his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.