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.

Kelsey Heinrich is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, Heinrich worked at Lake Trust Credit Union and Heartland Payment Systems, among other roles. Heinrich is also involved in financial life planning through a related business activity linked to the LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.

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.

Tiffany Saites is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and 11 years of industry experience. She has been with LPL Financial since 2015 and is also involved with Professional Management Services, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and nonprofit organizations. The firm offers a broad range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

Ryan May is a financial advisor with Edward Jones in Ann Arbor, MI, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Edward Jones since 2002. 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 broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and tax-efficient services under a fiduciary standard.

Glenn Malear is a financial advisor with Edward Jones in Howell, MI, holding Series 65 and Series 63 licenses and eight years of industry experience. Prior to joining Edward Jones in 2022, he worked at CoreCap Investments and CoreCap Advisors, as well as in marketing and hospitality roles. 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 strategies supported by a large network of financial advisors and branch offices nationwide.

Reichell Ray is a financial advisor at Morgan Stanley in Ann Arbor, MI, holding a Series 66 designation with two years of industry experience. Ray has been with Morgan Stanley since 2017, following four years at PNC Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Justin Blair is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and eight years of industry experience. He has worked with LPL Financial since 2018 and has been associated with Lake Trust Credit Union since 2016. Outside of his advisory work, he is involved with Lake Trust Financial Life Planning, a DBA related to his LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Sarah Barish is a financial advisor at LPL Financial with 22 years of industry experience. She has been with LPL Financial since 2011 and holds Series 63 and Series 66 credentials. Her outside business activities include involvement in a family communications business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael Johnson is a financial advisor with Edward Jones in Howell, MI, holding a Series 66 credential and five years of industry experience. Prior to joining Edward Jones in 2021, he worked for six years at Boehringer Ingelheim. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supporting a large nationwide network of financial advisors and branch offices.

Judith Mccammon is a financial advisor with Morgan Stanley in Ann Arbor, MI, holding a Series 66 designation and 13 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and proprietary return estimates, to support its financial planning process.

Timothy Shebak is a financial advisor with J.P. Morgan Securities in Brighton, MI, holding a Series 66 designation and 14 years of industry experience. He has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017 and previously at PNC Bank from 2013 to 2017. 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

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.

Anjanette Nickoloff is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank, NA since 2010. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Joseph Biscaro is a financial advisor at LPL Enterprise with a Series 66 designation. He has been with LPL Enterprise since 2025 and has prior experience at C&U Americas and Robert Bosch. Outside of his advisory role, he is involved in non-variable insurance activities in Hillsdale, MI. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, model portfolios, third-party asset management, and a range of brokerage and insurance products through its integrated platform.

Jeffrey Myslinski is a financial advisor with LPL Financial holding Series 66, Series 63, and Series 65 licenses. He has been with LPL Financial and 52 Blue Wealth since 2026 and also operates Myslinski CPA PLLC. Prior to his advisory career, he worked at William Molnar Roofing, Inc. for eight years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs and financial services, including discretionary and non-discretionary management supported by research and technology-driven solutions.

Shelby Wilson is a financial advisor with Morgan Stanley in Ann Arbor, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Wilson worked at JPMorgan Chase and Starbucks, and was affiliated with the University of Michigan. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through a range of investment and planning solutions.

Michelle Joseph is a financial advisor with LPL Financial in Brighton, MI, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. She previously worked at INVEST Financial Corporation before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party subadvisors, and advanced portfolio management technologies.

Bradley Biggs is a financial advisor with Thrivent Investment Management based in Dexter, MI. He holds the Series 63 and Series 66 registrations and has four years of industry experience. Prior to his current role, he worked at firms including New York Life Insurance Co and NYLIFE Securities LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning. The firm offers planning as a one-time or ongoing engagement without discretionary trading authority and emphasizes comprehensive written recommendations across various financial topics.