Melissa Burt is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Burt also had a role at Betty James Pretty Things in 2024. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

David Smith is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he serves on the boards of several organizations, including Lamb of God Fellowship and Gleaner Tri-County Arbor, where he also acts as care pastor for weddings. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals and employs a range of investment strategies from proprietary models to unaffiliated strategists.

Mark Smith is a financial advisor with LPL Financial and holds the Series 66 designation. He has 19 years of industry experience, including prior roles at Grove Point Advisors, LLC and RLM Financial Services, Inc. Outside of his advisory work, he is involved with non-variable insurance through RLM Financial 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial activities.

Dante Cioni is a financial advisor with Ameriprise in Grand Blanc, MI, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2001. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Robert Wright is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 66 licenses and has 35 years of industry experience. He has been with Cambridge since 2016. Outside of advising, Wright serves as vice president of the board for a charter school and is president of a local BNI chapter. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through independent Financial Professionals and utilizes multiple custody platforms and both proprietary and third-party investment strategies.

Jack Willson is a Planning Consultant at Fidelity Investments, a role he has held since 2023. In this capacity, he focuses on assisting clients in accumulating wealth and generating reliable sources of income tailored to their financial goals. His professional approach centers around creating financial strategies that align with the individual needs of his clients. Since joining Fidelity Investments, Jack has been dedicated to providing planning services that support clients in meeting their long-term financial objectives. His work involves understanding client goals and developing plans to help achieve them through disciplined financial management. Further details regarding Jack's education, credentials, and personal interests have not been provided.

Jeanette Mayer is a financial advisor at Morgan Stanley in Grand Blanc, MI, holding a Series 66 designation with seven years of prior experience at Edward Jones and additional roles at Global Team Blue and Katz Media Group. She joined Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations in its financial planning process.

James Walker is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Lewis Duncan is a financial advisor with Ameriprise, holding a Series 66 designation and 14 years of industry experience. He previously worked at J.P. Morgan Securities for 10 years before joining Ameriprise. Outside of his advisory role, he serves on the Board of Directors for the Safari Club International Flint Regional Chapter, where he is also Vice President and Fundraiser Chairman. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Thomas Townsend is a CFP®-certified financial advisor with 41 years of industry experience. He has worked at Ameriprise since 2019, following a decade at UBS Financial Services. Ameriprise offers a retirement-income planning service for clients typically holding at least $1 million in investable assets, providing written recommendations on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and oversight committees to deliver tailored, algorithm-assisted retirement income plans.

William Luke is a financial advisor with Ameriprise in Swartz Creek, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset thresholds, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Gegg is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill for 44 years, providing financial advisory services focused on money management, financial and estate planning strategies. Robert offers customized investment advice and guidance to high net worth individuals as well as institutional clients. His expertise includes working with concentrated equity positions for a diverse client base, including individuals, trusts, estates, charitable foundations, and endowments. Robert holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Ferris State University. Widowed, Robert has four children and five grandchildren. Outside of his professional work, he enjoys spending time with his family and participates in activities such as golf, tennis, fishing, and other outdoor pursuits.

Olivia Hodgkinson is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked previously with OSAIC Institutions, Inc. and ChoiceOne Bank. Hodgkinson serves as Treasurer on the Board of Directors for the Lapeer Center for the Arts. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jeffrey Trares is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked at JP Morgan Chase Bank, N.A. since 2003 and at J.P. Morgan Securities, LLC since 2020. Outside of his advisory role, he is a signer on his daughter’s business banking accounts for Full Circle Farms LLC, a horse riding, training, and boarding facility, though he is not involved in its operations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities, with recommendations made on a non-discretionary basis.

Terri Mclaughlin is a financial advisor at Cetera with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Cetera Financial Specialists LLC since 2001. In addition to her advisory role, she is involved with Ark Tax Service in tax preparation and client liaison duties. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a multi-manager platform.

Katrina Johnson is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Edward D. Jones & Co., L.P. since 1996. 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 advisors and branch offices.

Max Jackson is a Financial Consultant at Fidelity Investments, bringing over a decade of experience in the financial services industry. In his current role since 2026, he partners with individuals, families, and business owners to develop wealth plans tailored to their financial goals. His approach focuses on providing clients with strategies, tools, and education to support informed decision-making. Prior to his current position, Max held various roles at Fidelity Investments, including Planning Consultant, Relationship Manager, and Financial Representative, spanning from 2021 to 2026. His earlier career includes positions at Bank of America as a Relationship Manager and Relationship Banker, as well as roles in retirement planning and mortgage banking with GLP & Associates and Rocket Mortgage. This diverse experience informs his comprehensive understanding of financial consulting. Outside of his professional work, Max engages in family activities, fitness, playing musical instruments, traveling, and volunteering.

Alison Truchan is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Raymond James & Associates and Scottrade. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

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.