Thomas Vermeulen is a financial advisor with LPL Financial based in Rochester, MI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is involved with TEVCO Financial Services, an entity related to his LPL business, and prepares income tax returns. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with model portfolios, third-party subadvisors, and advanced operational tools, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

Maria Bongiovanni is a financial advisor with OSAIC in Washington, Michigan, holding Series 63 and Series 65 credentials and possessing 20 years of industry experience. Her career includes roles at Aurora Securities and Concorde Investment Services, along with ongoing involvement in tax preparation and multiple investment-related business activities. She also serves as treasurer for The Guiding Star Foundation, a nonprofit organization. OSAIC serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs asset-allocation tools, efficient-frontier analysis, and third-party money managers to construct portfolios encompassing a broad range of investment vehicles.

Nisreen Kallabat Byrne is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with J.P. Morgan Securities since 2012 and is also involved as a partial owner and silent partner of Crown Office Building, LLC, a commercial office space entity. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gary Wood is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, he spent over a decade with Avantax firms and has operated Wood and Associates Tax and Wealth Management, LLC since 1990, providing accounting and tax preparation services. He is also a managing member of Rochester Advisory Group, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor offering a multi-manager platform to a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a nationwide network of independent advisors.

Jessica Powell is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and also operates AQuest Tax Solutions, providing tax preparation and accounting services. Her prior experience includes roles at Cetera Advisor Networks and Stonebridge Financial Partners. 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 a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Karen Beaver Hitz is a CFP® professional with 13 years of experience at Edward Jones, where she has been advising clients since 2013. She holds a Series 66 license and is based in Bruce Township, Michigan. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds, while operating under a fiduciary standard.

Joseph Moceri is a financial advisor with Stifel in Rochester, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and previously spent 11 years at Bank of America. Outside of his advisory role, he has served as Past Commodore and an ex-official member of the Board of Directors of the North Star Sail Club. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling.

Ricardo Armijo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Raymond James & Associates since 2019 and previously spent 10 years at UBS Financial Services Inc. Outside of his advisory role, Armijo is the owner of BRN Development, a business unrelated to investment activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering a range of financial planning, investment consulting, and municipal advisory services.

Thomas Schulz is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with Linsco/Private Ledger Corp. since 1999. Schulz is also an independent insurance agent selling term life and long-term care insurance with Penn Mutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, and institutions through a large network of representatives offering financial planning, portfolio programs, and institutional platforms.

Allan Brunmeier is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he is president of The Advisor’s Resource Group, Inc., where he serves as an insurance agent and assists clients with estate planning using online tools. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to clients’ needs.

Thomas Forberg is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and located in Rochester, MI. He has been with Cambridge since 2025 and has experience working in various roles outside of finance, including positions at Dublin Square Pub and Bloomfield Hills Country Club. 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 provides a range of services such as financial planning, investment management, and retirement plan advisory through a network of independent professionals using multiple investment platforms and proprietary model strategies.

Scott Sumner is a financial advisor with LPL Financial, holding a Series 63 designation and over 19 years of industry experience. He previously worked at Sigma Planning Corporation for 16 years and has operated Sumner & Associates since 1991. Outside of advising, he is involved in legal services through Sumner & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Craig Balter is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is based in Rochester, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Daniel Ryan is a financial advisor at Edward Jones in Clarkston, MI. He holds a Series 66 designation and has one year of experience in the industry. Prior to joining Edward Jones, he worked at Midland Tool and Supply for three years and Milwaukee Tool for thirteen years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large national network of financial advisors and branch offices.

Thomas Mahfet is a financial advisor with LPL Financial in Auburn Hills, MI, holding a Series 66 credential and four years of industry experience. His prior work includes roles at Zhang Financial, Plante Moran, Herbert Financial Group, and Ascent Aerospace. He has also worked at Western Michigan University and Emagine Entertainment outside the financial sector. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, access to third-party asset management, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary strategies and operational tools.

Douglas Johnson is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he serves in the U.S. Naval Reserves, participating in monthly training and annual mobilization exercises. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Widmaier is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities since 2012. Widmaier also has a secondary role providing product information at archery dealer events through Steve Kaufman & Associates. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset-allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework for investment recommendations.

Peter Ciavaglia is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations and carrying 27 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory work, he manages VHF Racing, LLC, a harness race horse ownership LLC for which he is the sole member. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Aaron Thierry is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His prior roles include positions at Ohio National Financial Services, THE O.N. Equity Sales Company, and American United Life. He is also involved in fixed insurance sales through CORE Financial Group, which he owns. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension and profit-sharing plans, charitable organizations, and trusts—offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of portfolio management options and utilizes both proprietary and unaffiliated model strategies, with varied implementation approaches tailored to client objectives.

David Smith is a CFP®-certified financial advisor with 25 years of industry experience, currently with Stifel since 2010. He holds Series 63 and 65 licenses and is based in Rochester, Michigan. Outside of his advisory role, he serves on the Elder Board at Rockpointe Community Church, providing spiritual direction and strategic guidance. Stifel serves a broad range of individual and institutional clients, offering brokerage and advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and asset allocation guidance intended as a basis for client decisions.