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, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior work includes roles at Cetera and The State Bank. Clark is also involved with ChoiceOne Bank through a dual bank program as a financial advisor. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, delivering tailored, research-based recommendations supported by a centralized consulting team and algorithmic tools. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Jason Raymond is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2021. In his role, he focuses on creating financial plans that provide confidence at every stage of life, addressing areas such as retirement and investment strategies while helping clients navigate unexpected life events. Jason emphasizes simplicity, transparency, and empowerment in financial planning to help clients focus on achieving their envisioned lifestyles. Outside of his professional work, Jason enjoys activities such as camping, attending concerts, fishing, appreciating music, caring for pets, and traveling.

Melissa Terhorst is a financial advisor at Raymond James Financial Services Advisors, Inc. with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Raymond James since 2005. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports clients through advisory programs and partnerships.

Brian Reiber is a financial advisor at Ameriprise with 10 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2023. Outside of his advisory role, he manages a farm property that generates income from crop rentals. Ameriprise serves clients approaching or in retirement, offering a retirement-income planning service that includes written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice, focusing on clients with significant investable assets and emphasizing the use of Ameriprise-managed accounts.

Joseph Ragnone is a Financial Advisor with Merrill Lynch Wealth Management and a member of the NMY Ragnone Group. He works with individuals and families to create personalized financial strategies tailored to support their long-term goals. His expertise includes investment management, retirement planning, estate planning strategies, and family wealth strategies. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Joseph completed his high school education at Lake Fenton High School and attended Mott Community College without obtaining a degree. Joseph's approach focuses on understanding what matters most to clients and their families to develop strategies that pursue their financial objectives. He emphasizes relationship-driven guidance to help clients build financial confidence and create lasting legacies.

Garrett Baumbach is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2021. Prior to his current role, he worked at Farm Bureau Insurance and has experience outside the financial industry. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Lubna Jones is a financial advisor with Wells Fargo Advisors in Fenton, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She previously worked at UBS Financial Services Inc for 12 years before joining Wells Fargo Advisors in 2021. Jones serves as an advisory finance committee member at St. George's Orthodox Church in Flint, 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 institutions. The firm offers a broad range of planning services and integrates advisory work with other financial products and referral channels.

Mariam Joseph is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. She works closely with clients to develop personalized financial plans that align with their long-term goals. Mariam leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to address various aspects of her clients' financial lives. With a focus on areas such as college education planning, employee benefits, family wealth management, and retirement income, Mariam emphasizes a thorough understanding of each client's needs. She holds the Personal Investment Advisor (PIA) designation and earned her Bachelor's Degree from Mahatma Gandhi University. Mariam is fluent in Malayalam, Hindi, and English. Residing in Rochester, MI with her son, Mariam is actively involved in community organizations including IGEN MI chapter, LEAD for Women, DIWA, InForum Rochester, India Club of Genesee County, and Kerala Club. Her personal interests include traveling, boxing, cooking, football, golfing, knitting/crocheting, tennis, and practicing Krav Maga and weight training.

Rosalie Evans is a financial advisor at Merrill with 21 years of industry experience and holds the Series 66 designation. She has been with Merrill since 2000. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Matecun is a financial advisor at Osaic with 10 years of industry experience. He holds the Series 65, Series 63, and Series 66 credentials and previously worked at Prosperity Wealth Management, Inc. and Founders Financial Securities LLC. In addition to his advisory role, he owns and operates an estate planning and elder law firm in Howell, Michigan. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities. The firm offers a range of services such as brokerage and investment advisory, financial planning, retirement consulting, and access to third-party money managers, using tools like asset-allocation models and automated rebalancing to manage portfolios.

Teresa Mcclelland Sargent is a CFP® professional with 27 years of industry experience, currently serving at OSAIC in Flint, MI. She has been with OSAIC since 1998 and also operates Financial & Tax Planning of Flint, Inc. Outside of her advisory role, she is Chairman of Back to the Bricks Inc. and serves as a notary and attorney-in-fact for family members. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and managed account solutions. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and diversified portfolios, and supports multiple advisory platforms and legacy programs.

Chad Ross is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Royal Alliance Associates, Inc. and Mass Mutual Investors Services. Ross serves as a city council member in Frankenmuth, Michigan, and is CEO of Pension Plan Consultants, a firm providing plan design and consulting services for self-directed 401(k) plans. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs a range of portfolio construction tools and supports various account management options while maintaining multiple advisory platforms resulting from several mergers and corporate arrangements.

James Vrabel is a financial advisor with Edward Jones in Ortonville, MI, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Sprint, Push Wireless, and Smart Pay Lease before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a large national network of financial advisors and branch offices.

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.

Alan Rohde is a financial advisor with Cetera who holds the PFS™ and Series 63 designations and has 32 years of industry experience. He has worked at Cetera since 2004 and has a longstanding association with Yeo & Yeo, providing accounting services as an independent contractor. He is also a member of Rmr Lake Life LLC, a family vacation property maintenance business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that incorporates both affiliated and third-party managers.

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.