Eluterio Gonzalez is a financial advisor with Edward Jones in Grand Blanc, MI, holding Series 63 and Series 66 licenses and 13 years of industry experience. His prior work includes roles at JP Morgan Chase Bank, J.P. Morgan Securities, Chase Investment Services Corp, and JPMORGAN Chase Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kevin Cleary Jr. is a financial advisor with LPL Financial in Grand Blanc, MI, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at Grove Point Investments LLC, H. Beck, Inc., and Professional Tax Service. Outside of his advisory work, he owns Kevin's Custom Shop, a small home-based business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network, serving individuals, retirement plans, banks, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gary Penn is a financial advisor at Cetera with 17 years of industry experience. He holds a Series 66 designation and has worked with firms including Summit Financial Group Inc and Cetera Wealth Services, LLC. He is also involved with Penn Financial LLC, where he performs financial advisory activities. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform and a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Jeffrey Williams is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004 and Bank of America, NA since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and monitoring, tax-efficient strategies, and benefits from deep integration with Bank of America’s capital-markets platform.

Karin Hawkins is a financial advisor at Fidelity with 16 years of industry experience and holds a Series 66 designation. Her prior work includes roles at Fifth Third Securities and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including fund-of-funds and model portfolios for intermediary platforms.

Morgan Swank is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Morgan worked at Wentworth Real Estate Group, Applied Innovation, Rachor Financial, and Sleep Number Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

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.

William Protasiewicz Jr. is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 registrations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Prior to his finance career, he was employed at Tractor Supply Co. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

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.

Thomas Hankins Sr. is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018, following a nine-year tenure at Ameriprise Financial Services. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Kellie Palm is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with a concurrent tenure at JPMorgan Chase Bank, N.A. dating back to 1995. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis with clients retaining final decision authority.

Shaun Perakovic is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joseph Hamo is a financial advisor with Wells Fargo Clearing in Grand Blanc, MI, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2010 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee for his father's trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Gary Denis is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Stifel Nicolaus & Co Inc since 2020, following an 11-year tenure at Ameriprise Financial Services, Inc. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation guidance.

Jeremy Smith is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with J.P. Morgan entities since 2008. Outside of his advisory role, he owns a social media company called Really Real Reelz LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

Richard Clark II is a financial advisor with Ameriprise in Grand Blanc, MI, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include long tenures at Cetera and The State Bank. He also has outside employment as a financial advisor with ChoiceOne Bank. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a written Recommendation Report and ongoing advice.