Phil Andrews II is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. He is also the author of "Sally and Sam Squirrel." LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Kimberly Dwyer is a financial advisor with Thrivent Investment Management in Novi, Michigan. She holds a Series 66 designation and has 10 years of industry experience, all with Thrivent Financial and its investment management division. Outside of her advisory role, she is the owner of a competitive and recreational dance studio, FLEX POINT DANCE, LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various planning topics. The firm’s approach separates planning from managed-account services and conducts periodic reviews, without accepting discretionary trading authority for its Dedicated Planning Service.

Vikhar Samad is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as Vice President Financial Consultant at Charles Schwab from 2018 to 2024, and as a Financial Advisor at Merrill Lynch from 2016 to 2018. His professional experience encompasses various aspects of financial advising and consulting, contributing to his expertise in the field. Vikhar communicates in Hindi, Spanish, and Urdu, which allows him to engage with a diverse client base effectively. Outside of his professional work, Vikhar is interested in family activities, social events with friends, golf, lake-related activities, outdoor adventures, and traveling.

Consuelo Wicks Reiter is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2022, she worked at Inverness Securities LLC, Ancora Advisors, The Prudential Insurance Company of America, Pruco Securities LLC, NYLIFE Securities LLC, and New York Life Insurance Co. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools, with an emphasis on advisory services rather than individual security recommendations within standalone financial plans.

Richard Truxall is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Invest Financial Corp. In addition to his advisory work, he offers fixed and indexed annuities as well as long-term care and traditional life insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes.

Jason Sherman is a CFP® professional with 23 years of experience in the financial services industry. He has been with LPL Financial since 2004 in Southfield, MI. Outside of his advisory role, he is also involved in selling life, health, home, and auto insurance and provides tax return preparation services. 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 portfolio programs, third-party asset management, and institutional platforms.

Kayla Jordan is a financial advisor at OSAIC with six years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Chase Bank N.A., JPMorgan Securities LLC, and Firstmerit Bank/Huntington Bank. Jordan also serves as a client services and new business manager for another advisor within her firm. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party investment solutions to construct diversified portfolios.

Joan Boncher is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley. Joan also manages a personal revocable living trust established to oversee and protect trust property for the benefit of its beneficiaries. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocation to tailor plans to clients’ goals and risk tolerances.

Jacob Wirgau is a financial advisor at Edward Jones in Canton, MI, with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branches, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products under a fiduciary standard.

William Burke is a financial advisor with Wells Fargo Clearing in Birmingham, MI, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at Morgan Stanley and Lebenthal Wealth Advisors before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vito Guarano is a financial advisor with Ameriprise in Farmington Hills, MI, holding Series 63 and Series 66 licenses and totaling 24 years of industry experience. He has been with Ameriprise since 2002, including his current role at Ameriprise since 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning advice focused on income stability and tax-aware withdrawal strategies.

Nicholas Shelar is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2018, serving in various roles including Planning Consultant, Investment Consultant, Regional Investment Consultant, and Customer Relationship Advocate. Nicholas focuses on understanding his clients' entire financial situations and goals. He collaborates with clients and leverages Fidelity's resources to develop long-term plans tailored to their needs, providing guidance aimed at helping them work towards their financial objectives. Outside of his professional role, Nicholas has interests in food, golf, outdoor adventures, and traveling.

Laurie Piper is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 24 years of industry experience. Her previous roles include positions at Questar Asset Management, Sigma Planning Corporation, and Parkland Securities LLC. Outside of her advisory work, she has served as a Sunday school teacher at Temple Israel in West Bloomfield, MI. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, and charitable organizations. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

Ryan Gliwa is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and seven years of industry experience. He has been with Ameriprise and its affiliated entities since 2017. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jenna Peth is a financial advisor with Merrill in Dearborn, MI, holding a Series 66 designation and having 10 years of industry experience. She has worked at Merrill since 2014 and Bank of America, N.A. since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Whitney Bonaquist is a Series 66 credentialed financial advisor at Morgan Stanley with seven years of industry experience. She has worked at Morgan Stanley since 2018 and previously held roles at Dynamic Metals Group and Great Lakes Woodworking. Outside of her advisory work, Bonaquist owns and operates Elevate New Hudson, a business focused on creating and selling handmade merchandise such as t-shirts, jewelry, and original artwork. Morgan Stanley Wealth Management is an SEC-registered investment adviser that provides a wide range of financial planning and advisory services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies in its approach.

Aaron Tonna is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has worked with Fidelity Investments since 2020, serving previously as a Planning Consultant and an Investment Consultant. Prior to joining Fidelity, Aaron held roles at Vanguard, including Investment Sales Consultant, Account Transition Specialist, and Operations Associate from 2017 to 2020. Throughout his career, Aaron has developed experience in financial planning, investment consulting, and account management. He emphasizes building strong relationships and trust with his clients to provide financial plans tailored to their individual goals.

Richard Clemens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Key Investment Services, Charles Schwab Co., Inc., and Fifth Third Bank. Outside of finance, he owns an LLC intended for selling carpentry products he designs. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Grant Lowery is a financial advisor with Raymond James Financial in Northville, MI, holding a Series 66 designation and three years of industry experience. He also works as an associate at Scott Lowery, CPA, PC, where he manages office operations and prepares tax returns. His career includes prior roles at Quicken Loans and extensive experience within Raymond James Financial Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through unique affiliations.

Joseph Denis is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He has previously worked at Bank of America and Michigan First Credit Union. Denis also serves as a notary. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.