Rob Maxwell is a Financial Consultant currently working at Fidelity Investments since 2021. He has held roles including Principal, Investment Advisor Representative, and Chief Compliance Officer at Pinnacle Wealth Partners from 2019 to 2021. Prior to that, he was a Sales Consultant at Allstate Financial in Michigan from 2015 to 2019. From 2004 to 2015, he worked at Prudential Financial as a Fee-Based Financial Planner and later as Manager of Financial Services. Throughout his career, Rob has focused on financial consulting, emphasizing a relationship-focused approach to understand client priorities. He utilizes clear communication and thoughtful planning to assist clients in navigating financial decisions and aligning their wealth with their values.

Kurtis Mc Mahan is a financial advisor with Morgan Stanley, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones from 2012 to 2024 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his financial advisory work, Mc Mahan serves on several local boards in Davison, Michigan, including the township, community schools, and the country club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing comprehensive advisory programs to individual and institutional clients. The firm utilizes structured financial planning tools and offers a range of investment services, managing approximately $2.74 trillion in client assets.

Callahan Burke is a financial advisor at Raymond James & Associates with a Series 66 designation and less than one year of industry experience. Prior to joining Raymond James in 2026, he held positions with several professional hockey teams, including the San Diego Gulls, Vegas Golden Knights, Carolina Hurricanes, and Colorado Avalanche, as well as playing collegiate hockey at the University of Notre Dame. Raymond James & Associates is a large, dually registered 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 offers a range of financial planning, consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research resources.

Mark Down is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he operates a handyman business specializing in small engine repair, lawn mowing, and debris removal. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.

David Kuzner is a Series 66 licensed financial advisor with Raymond James & Associates, where he has worked since 2010. He has 20 years of industry experience and is based in Fenton, Michigan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research resources.

Jason Brown is a financial advisor at OSAIC with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with OSAIC since 2007. Brown also provides administrative support at Financial & Tax Planning Inc. He serves as attorney in fact for his mother. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing firm-provided asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client needs.

Patrick McCallum is the Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2022. He has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant before his current position. Prior to joining Fidelity, he worked as a Financial Advisor and Financial Advisor Intern at Edward Jones Investments from 2011 to 2015. Patrick's professional focus involves partnering with clients and their families to help them strive toward reaching their most important financial goals. His experience encompasses wealth planning and financial consulting across various roles in the financial services industry. Outside of his professional career, Patrick has interests in cars, concerts, family activities, music, and traveling.

Scott Nicholas is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Ameriprise since 2009, serving in various capacities within the firm. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

John Macdonald is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1996 and holds the position of Managing Director. John focuses on providing financial services to high net worth families and endowments, including investment management, wealth management, cash-flow management, and specialized financial services. His expertise encompasses areas such as family wealth management strategies, retirement planning, philanthropic planning, and socially responsible, values-based investing. John is a Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). He earned both his bachelor's and master's degrees from the University of Michigan System, completing his M.B.A. with a finance major. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for seven consecutive years through 2025. Within his community, John serves as Vice Chair of the Flint Cultural Center Corporation. He resides in Fenton with his wife Nicole and their daughter Allie.

Deron Hackney is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services from 2009 to 2021. Outside of his advisory role, Hackney serves as president of a condominium association in Traverse City, MI. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet specific net-worth criteria.

Michael Ralston is a financial advisor with Fidelity, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has worked with various divisions within Fidelity since 2008, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and serves as an advisor to registered investment companies and fund-of-funds, utilizing systematic methodologies and long-term asset allocation benchmarks.

David Terrian is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 33 years of industry experience. His background includes long-term roles at PFS Investments Inc. and Primerica Financial Services, as well as experience outside finance working in healthcare and travel. He also serves as a Registered Nurse in the U.S. Army Reserves. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale with approximately 3,948 advisors and $15.5 billion in assets under management, delivering investment strategies primarily through model-driven recommendations.

Keith Holzwarth is a financial advisor with Stifel in Flint, MI, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2017 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, providing capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Jennifer Olsen is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. She has been with Raymond James & Associates since 2015. In addition to her advisory role, Olsen is a business owner and member of the Horizon Group of Fenton, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by extensive research and a range of portfolio management styles.

Austin Bowen is a financial advisor at Osaic with a Series 66 designation and has been in the industry since 2023. His prior experience includes roles at Keller Williams First, Maximum Construction, Shumaker's Ski Shop, and Cason Home Loans. Osaic Wealth, Inc. serves a varied clientele, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a broad network of affiliated advisers. The firm employs a range of asset-allocation tools and portfolio management techniques and operates a complex corporate platform with multiple mergers and third-party commercial arrangements.

Jeffrey Bowie is a financial advisor with Merrill in Grand Blanc, MI, holding Series 63, Series 65, and Series 66 licenses and 17 years of industry experience. He has worked at Merrill since 2008, with a brief period at BofA Securities in 2019. Merrill, together 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 institutions.

Michael Bareither is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has worked with Raymond James since 2010 and has prior experience in real estate dating back to 2005. In addition to his advisory role, he is also an agent involved in fixed annuities and term life insurance. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, along with specialized municipal advisory and SIMPLE IRA consulting services.

Phillip Guerra is a financial advisor with Morgan Stanley, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for 13 years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. in 2025 and 2026, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jayce Erwin is a Senior Financial Advisor and a member of the BRZ Group with Merrill Lynch Wealth Management in the Grand Blanc, Michigan office. He provides financial advice and guidance to high-net-worth individuals and their families, collaborating closely with clients and their trusted advisors to address a variety of short- and long-term financial goals. Jayce and his team utilize the investment insights of Merrill and the banking capabilities of Bank of America to assist clients in navigating financial challenges and identifying opportunities. Jayce joined Merrill in 2018. His approach involves careful listening to clients' financial situations, preferences, and goals, including considerations such as time horizon, liquidity needs, and risk tolerance. He offers tailored recommendations designed to support income, growth, and long-term planning, maintaining ongoing engagement to ensure strategies remain aligned with clients' evolving objectives. He earned a Bachelor of Business Administration with a focus in Accounting from the University of Michigan–Flint. Jayce holds the Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning Institutes Corp, the Certified Plan Fiduciary Advisor (CPFA) designation offered by the American Society of Pension Professionals & Actuaries, and the Personal Investment Advisor (PIA) designation. Jayce lives in Swartz Creek, Michigan with his wife, Danielle, and their three children.

Sarah Novak is a financial advisor at LPL Financial with 25 years of industry experience. She previously worked at The Huntington Investment Company for 12 years before joining LPL Financial in 2023. Outside of her advisory role, she provides tax preparation services and serves as a caregiver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management supported by research and multiple portfolio strategies.