Chelsei Latsch is a CFP® with seven years of industry experience, currently serving as a financial advisor at Antonelli Financial Advisors, LLC since 2017. Her prior work includes a role at Comerica Bank and experience in the hospitality sector at Texas Roadhouse. Antonelli Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing fee-based investment management and various financial planning services. The firm employs a modern portfolio theory approach to build globally diversified portfolios and typically manages client accounts on a discretionary basis.

ABOUT THRIVE RETIREMENT SPECIALISTS Standing out in our industry's “sea of sameness” and b#llsh!t, we introduce a new business model that applies the latest retirement research to deliver “reality-based” retirement planning, representing an evolutionary step forward in how people prepare for and thrive during retirement. We arm you with a framework to make better decisions based on your unique circumstances, enabling you to avoid unnecessary sacrifices symptomatic of following conventional “rules of thumb” intended for the masses. The result is living a more rewarding life optimized for contentment. ThriveRetire is an all-in-one, flat-fee service that includes: • Retirement Planning • Tax Planning • Investment Management • And more! ABOUT ANTHONY WATSON, CFA, CFP®, RICP® Prior to founding Thrive Retirement Specialists, Tony served as a Chief Investment Officer, providing advice and investment management services to over 600 individuals representing over $1.5 billion of investments. Before this, Tony served as Vice President at J.P. Morgan Private Bank, where he advised high- and ultra-high net worth individuals on all matters of wealth, including investments, portfolio construction, portfolio management, and retirement planning. EDUCATION: • BBA of Finance, Walsh College • MBA, University of Michigan, Ross School of Business CREDENTIALS: • Chartered Financial Analyst (CFA) • CERTIFIED FINANICAL PLANNERTM (CFP®) • Retirement Income Certified Professional (RICP®)

Mark Romin is a CFP® professional at Lakeshore Financial Planning Inc. in Saint Clair Shores, MI, with 18 years of industry experience. He has previously worked at Brayton Asset Management and Raymond James Financial Services Advisors Inc. Romin contributes to social media input for a non-investment-related support company affiliated with his firm. Lakeshore Financial Planning Inc. manages discretionary portfolios and provides incidental financial planning to individuals, charitable organizations, and investment clubs. The firm employs client-specific strategies using proprietary model portfolios diversified across asset classes, primarily via mutual funds and ETFs, and manages approximately $469 million in discretionary assets.

Kiernan Easton is a financial advisor at Dynamic Wealth Solutions LLC with 11 years of industry experience. He holds Series 65 and Series 63 designations and has been with the firm since 2015. Dynamic Wealth Solutions LLC serves a diverse client base including individuals, trusts, estates, foundations, corporations, and retirement plans, managing approximately $102 million in assets. The firm employs a disciplined investment process based on fundamental analysis and asset allocation, supported by a structured framework and technology tools, and offers services ranging from discretionary asset management to retirement plan advisory.

Kelly L'esperance is a financial advisor at Barking Sands Capital with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has led The L'esperance Group, LLC since 2011. L'esperance is also licensed as an insurance agent in Michigan and Minnesota, dedicating part of her time to this activity. Barking Sands Capital provides personalized, fee-based investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages primarily discretionary assets using a core-equity strategy supplemented by dividend-paying equities, bonds, ETFs, and third-party managers when appropriate.

Michael Recchia is a financial advisor at Oikonomos Asset Management, LLC with nine years of industry experience. He holds the Series 66 designation and has worked at Q3 Asset Management Corporation and Hantz Financial Services prior to joining Oikonomos in 2022. Oikonomos Asset Management offers portfolio management and financial planning services primarily to individual clients, including high-net-worth individuals. The firm employs a range of analytical approaches and securities, providing tailored Investment Policy Statements and typically managing accounts on a discretionary basis with a fiduciary standard for retirement assets.

James L'esperance is a financial advisor at Barking Sands Capital in Troy, MI, holding the ChFC® designation and Series 63 license, with 19 years of industry experience. He has operated The L'esperance Group, LLC since 2004. Outside of his advisory role, he is involved in a licensed insurance agency selling and servicing fixed insurance products such as life insurance and annuities. Barking Sands Capital provides personalized, fee-based investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a core-equity strategy combined with diversified options and uses third-party managers when appropriate, managing approximately $45 million in primarily discretionary assets for about 85 clients.

Kenneth Wittenberg is a financial advisor at Wittenberg Investments Inc. with 11 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wittenberg Investments since 2018, previously working at Secure Asset Management. Wittenberg Investments Inc. provides discretionary portfolio management and financial planning services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm uses fundamental analysis to construct portfolios and offers services such as Investment Policy Statement creation, ongoing monitoring, and pension consulting, managing approximately $89 million in discretionary assets with a small advisory team.

Paige Weymouth is a CFP® professional at Palatine Hill Wealth Management with three years of industry experience. She has worked at several firms including Northwestern Mutual, Ascent Wealth Partners, and Ross Hoezee. Prior to her financial advisory career, she was employed at the Law Offices of Barton C Rachwal. Palatine Hill Wealth Management is a registered investment adviser serving individuals, employee-sponsored retirement plans, trusts, foundations, charities, and corporate clients. The firm manages approximately $296 million for nearly 279 clients, offering discretionary and non-discretionary investment management, integrated financial planning, and retirement plan consulting.

Albert Lalonde is a Series 65-licensed financial advisor with Kaizen Wealth Management, LLC, where he has worked for 10 years. He has a total of 9 years of industry experience and previously worked with Kaizen Financial Group, LLC. Lalonde also manages an insurance services business as a managing member and insurance agent. Kaizen Wealth Management provides financial planning and consulting primarily to individual and high-net-worth clients, serving as an introducer and liaison to third-party money managers rather than directly managing client assets. The firm prepares tailored financial plans and coordinates with other professionals while relying on referrals and fee-sharing arrangements with external investment managers.

Joshua Raider is a financial advisor with Raider Dennis Agency and holds a Series 65 designation. He has eight years of experience with the firm, including four years in the industry. Raider Dennis Agency provides investment advisory services to individual and high-net-worth clients, utilizing model portfolios on a wrap-fee platform. The firm employs cyclical analysis and third-party model managers accessed via AE Wealth’s platform, primarily managing accounts on a non-discretionary basis while maintaining active insurance brokerage and securities activities.

Ryan Knaack is a financial advisor at Wealthy Intentions with five years of industry experience. He holds a Series 65 designation and has previously worked at Rocket Companies, FCA USA, Conifer Insurance, Sun Communities, and BDO USA. In addition to his advisory role, he serves as a Senior External Reporting Analyst at Rocket Companies, focusing on SEC filings. Wealthy Intentions provides investment management, comprehensive financial and business planning, and tax preparation services primarily to individual clients. The firm uses a passive investment approach based on Modern Portfolio Theory, combining diversified portfolios of index mutual funds and ETFs with fundamental and cyclical analysis to tailor portfolios to clients’ risk and investment objectives.

Walter Maziarz is a financial advisor with Trinity Wealth Solutions LLC in Sterling Heights, MI, holding a Series 66 designation and 28 years of industry experience. He has owned and operated multiple related businesses focused on financial services and tax planning since the mid-1990s. Maziarz also serves on the boards of several nonprofit organizations that promote Polish culture and investment opportunities in the Detroit area. Trinity Wealth Solutions is a state-registered independent advisory firm serving individuals, families, trusts, estates, and retirement-plan participants. The firm offers wealth management, retirement and estate planning, comprehensive financial planning, and income tax planning and preparation, utilizing a combination of TAMP-managed strategies and direct securities tailored through a proprietary asset-allocation model.

Michael Reed is a financial advisor at Nardis Advisors LLC with 13 years of industry experience. He holds a Series 65 designation and has worked previously at Fisher Investments, Personal Capital Advisors, and Mainstay Capital Management. Nardis Advisors serves individuals, pension and profit-sharing plans, and charitable organizations by providing discretionary and non-discretionary portfolio management, third-party manager selection, and consulting. The firm customizes portfolios across multiple asset classes, offers socially responsible investment options, and maintains a cross-border operating posture with offices in multiple locations and a notable client base outside the United States.

Todd Moss is a Certified Financial Planner® with 20 years of industry experience. He has been with Greystone Financial Group, LLC since 2020 and previously worked at related entities including Polaris Greystone Financial Group and Greystone Financial Group, Inc. He is also an agent for two commercial and real estate firms, TeamMoss LLC and TeamMoss II LLC. Greystone Financial Group serves individual and high-net-worth clients, as well as pension and profit-sharing plans and businesses, offering investment management, financial planning, and pension consulting. The firm employs a tactical investment approach combining fundamental and technical analysis with active portfolio management across ETFs, equities, and fixed income.

Felicia Harris is a CFP® with 32 years of industry experience, currently serving at EverythingHR Financial Services LLC since 2017. She previously worked at Ameriprise Financial Services, Inc. beginning in 2009. Outside of financial advising, Harris is involved in human resources consulting and workforce development through ownership of El Shaddai Consulting LLC and related entities. EverythingHR Financial Services LLC provides portfolio management and investment-advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, and businesses. The firm manages approximately $23 million in assets across about 90 client accounts, emphasizing client-specific Investment Policy Statements and a long-term trading approach supported by quantitative and technical analysis.

Catherine Toone is a Series 65-licensed financial advisor with approximately two years of industry experience. She is currently with Stalt Financial, LLC and has held prior roles at several firms, including Brookstone Wealth Advisors and Advanced Capital Group. Outside of advising, she is a licensed insurance agent. Stalt Financial, LLC provides discretionary and non-discretionary portfolio management and financial planning to individuals, business owners, and entities, including high-net-worth clients. The firm employs a combination of proprietary research, third-party analytics, diversified ETFs, and defined-outcome strategies, and offers small business consulting and educational workshops.

Colin Overweg is a financial advisor at Advize Wealth Management with 11 years of industry experience. He holds the CFP® and Series 66 designations and has worked at firms including WealthSource Partners, Waddell & Reed, and Cetera Advisors. He is also licensed to sell life and health insurance and may engage in product sales with clients. Advize Wealth Management advises individuals, high-net-worth clients, and employer plan sponsors, providing wealth management, investment management, and financial planning services. The firm emphasizes passive investing through strategic and tactical asset allocation and utilizes technology-enabled platforms alongside custodial relationships to implement client strategies.

Brett Kidd is a financial advisor at Kidd Financial Planning, LLC with the PFS™ designation and one year of experience in financial planning. He has also worked at Norton & Kidd CPAs for ten years. Kidd Financial Planning, LLC provides investment management, financial planning, and retirement-plan advisory services to individual investors, trusts, charitable organizations, small businesses, and participant-directed retirement plans. The firm emphasizes passive, diversified, long-term investment strategies using mutual funds and ETFs and employs quantitative tools and third-party managers to manage client portfolios.

Richard Davenport is a financial advisor at Lakeshore Financial Planning Inc. in Saint Clair Shores, MI, with 27 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Raymond James Financial Services, Inc. and Raymond James Financial Advisors, Inc. for a combined 19 years before joining Lakeshore Financial Planning in 2018. Lakeshore Financial Planning provides discretionary portfolio management and financial planning services to individuals, charitable organizations, and an investment club. The firm uses diversified model portfolios primarily composed of mutual funds and ETFs, employing both fundamental and technical analysis, and offers tailored advisory relationships with discretionary trading authority.