Nicholas Millio is a financial advisor with Ameriprise in Saline, MI, holding a Series 66 designation and four years of industry experience. He has been with Ameriprise and related entities since 2016 in various advisory and client service roles. Outside of his advisory duties, he is involved with CNZ & Associates, where he supports financial advising activities including client communication and trade processing. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm emphasizes tax-aware withdrawal strategies and dependable income solutions developed through a combination of proprietary research and third-party data.

Kenneth Jackson is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Frederick Atiyeh is a financial advisor with LPL Financial holding the CFP® and Series 63 designations and has 46 years of industry experience. He previously worked at Crown Capital Securities, L.P. from 1999 to 2024 and briefly at Legacy Investment Strategies, LLC in 2024. Atiyeh is also a licensed public notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Joshua Periord is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary advice and emphasizes the use of affiliated investment products.

Andrew Adado is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank since 2021. Outside of finance, he serves as a registered official for high school football and basketball games with the Michigan High School Athletic Association. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts using multi-asset model portfolios, supported by centralized custody, order-routing, and a formal alternative investment onboarding process.

Luke Panning is a CFP®-designated financial advisor with 12 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones and Arcadia Capital. Outside of his advisory role, he serves on the finance and investment committee of the Holland Symphony Orchestra and is an active freelance musician and recording artist. 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 emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports clients through a large network of affiliated advisors.

Bruce Dunbar is a financial advisor with Raymond James Financial Services Advisors, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Raymond James since 2003. Outside his advisory role, he is president of Legacy Financial, his operating company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and maintains a notable affiliation with a municipal advisor to support its public finance work.

Julie Pierce is a financial advisor at Edward Jones in Ann Arbor, MI, holding a Series 66 designation with two years of industry experience. She previously worked at Airflow Sciences Corporation and spent 20 years with the YMCA of Metro Detroit. Outside of her advisory role, she teaches water fitness and small group swim training classes at Dexter Wellness Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

Eric Barnes is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 18 years of industry experience. He has worked with Cetera since 2013 and also serves as sales branch manager of Vantage Financial Group, Inc. He is licensed to sell fixed insurance products, including life and annuities. Cetera Investment Advisers LLC operates a nationwide network of independent advisors providing portfolio management, financial planning, and retirement services to individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary investment options with access to affiliated and third-party managers.

Tina Grahl is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds Series 63, 65, and 66 credentials and previously worked for Charles Schwab and Charles Schwab Bank for nine years. Raymond James & Associates, Inc. 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 municipalities, offering tailored financial planning and investment consulting primarily through non-discretionary relationships.

Kimete Dalipi is a financial advisor with J.P. Morgan Securities in Ann Arbor, MI, holding Series 63 and Series 66 designations and 14 years of industry experience. She has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Sarah Emery is a financial advisor at Cetera with 26 years of industry experience. She holds the CFP® and ChFC® designations. Emery previously worked at LPL Financial and The State Bank, and she currently owns Emery Financial LLC, which provides financial services and tax preparation. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options, model portfolios, and third-party manager selections.

Megan Cordi Standfest is a financial advisor at Mass Mutual Investors Services with Series 66 registration and one year of industry experience. Her prior work includes roles at LPL Enterprise LLC and MassMutual Life Insurance Company. Outside of finance, she has been involved with the Clean Home Task Force since 2020. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and offers event-driven planning services including divorce and estate-settlement planning.

Larry Skiles Jr. is a financial advisor with Edward Jones in Ann Arbor, MI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Edward Jones since 1997. Skiles is also involved in rental property management through his ownership and partnership in separate LLCs. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Kenneth Highet is a financial advisor with Charles Schwab in Ann Arbor, MI, holding Series 63 and Series 66 licenses and with 39 years of industry experience. His career includes roles at Charles Schwab Bank SSB, TD Ameritrade, and Wells Fargo Advisors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management with multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Emily Polaczyk is a financial advisor with Mass Mutual Investors Services in Ann Arbor, MI, holding a Series 66 designation and six years of industry experience. She has worked at MML Investors Services LLC and MassMutual Life Insurance Co since 2019. Outside of her financial career, she occasionally plans and coordinates weddings and takes photographs through her business, EBP Designs. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools.

Mario Koje is a financial advisor at Raymond James Financial Services Advisors, Inc. with six years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Raymond James, he worked at Angle Advisors and Brown, Gibbons, Lang & Company Securities, Inc. Koje is also employed as an associate at Arcadia Capital in Saline, Michigan. 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, corporations, and institutions. The firm uses tailored, non-discretionary planning supported by risk profiling and analytical tools to align with client goals, and it offers a range of advisory programs and specialized services.

Ashley Yashin is a financial advisor at Edward Jones with 13 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products supported by a large nationwide network of financial advisors and branch offices.

Nicholas Muraca is a financial advisor with Mass Mutual Investors Services in Ann Arbor, MI, holding the CFP® designation and Series 65 and Series 63 licenses. He has 12 years of industry experience, all with Mass Mutual-affiliated firms since 2014. He is a partner and financial advisor at Insight Financial Partners LLC, where he focuses on retirement planning, investment advisory, and insurance planning for clients in the Ann Arbor area. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved tools to develop collaborative, goal-based strategies.

Glen Darmos is a financial advisor at Cambridge Investment Research Advisors with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services, Berthel Fisher & Company Financial Services, and Money Source Financial Services. Outside of advisory work, he is involved in coaching fastpitch softball and is employed at a golf course. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services. The firm offers a range of portfolio management options through a network of independent Financial Professionals and maintains proprietary and third-party model strategies tailored to client objectives.