Carmen Haag is a financial advisor at Thrivent Investment Management with 20 years of industry experience. She holds a Series 66 designation and has worked at Thrivent Financial and its predecessor entities since 2006. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based, holistic planning on a range of financial topics, separate from managed-account services, and conducts periodic reviews of recommendations.

Nandini Sherry is a financial advisor at Ameriprise with 14 years of industry experience and holds a Series 66 designation. She has been with Ameriprise since 2016, initially at Ameriprise Financial Services, Inc., and continuing at Ameriprise Financial Services, LLC since 2020. Outside of her advisory role, she serves on the Board of Directors for Sunny Days of Youth. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice through a written Recommendation Report and ongoing support, focusing on dependable income sources and tax-aware withdrawal strategies.

Ali Mchawrab is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Ali worked at Bank of America and CVS Health. Outside of finance, Ali is a pharmacist involved in verifying medication therapy and consulting with patients at Hamzeh Pharmacy in Dearborn, MI. 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Heather Bullion is a financial advisor at Edward Jones in Brighton, MI, holding a Series 66 designation with 12 years of industry experience. She 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 high-net-worth households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Eric Jacobs is a CFP® and ChFC® with 33 years of experience in the financial services industry. He has been with Ameriprise since 2005, working at both Ameriprise Financial Services, Inc. and Ameriprise. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, supporting clients primarily through Ameriprise-managed accounts.

Austin Wagley is Vice President and Financial Consultant at Fidelity Investments, where he has been working since 2022. Prior to this role, he served as a Financial Advisor at Ameriprise from 2018 to 2022. He focuses on collaborating with clients to clarify their financial goals and priorities, analyze and stress test their financial situations, and develop personalized strategies for financial planning. His approach emphasizes understanding what matters most to his clients to co-create plans that provide clarity and confidence. Outside of his professional work, Austin enjoys activities such as golfing, skiing, traveling, and exploring culinary interests.

Charles Patrello Jr. is a financial advisor with Primerica Advisors in Commerce Township, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1992. In addition to advisory services, he is involved in sales of loan products and referrals for home security and automation services through affiliates of his firm. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Laura Lleshaj is a Planning Consultant at Fidelity Investments. In this role, she collaborates with a Wealth Planner and a Vice President Financial Consultant to develop financial plans that clients can have full confidence in, while maintaining flexibility to adapt to clients' changing needs. She focuses on building strong relationships by understanding clients' needs and goals and maintaining open communication. Laura joined Fidelity Investments in 2021, progressing through roles as a Financial Representative and then as a Relationship Manager before becoming a Planning Consultant in 2023. Her experience within these roles has contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Laura has interests in cooking and baking, family activities, food, music, reading, and traveling.

Julie Kenrick is a financial advisor with Raymond James Financial in Fenton, MI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been involved with Raymond James Financial Services, Inc. since 1996 and currently owns and serves as president of Lakeside Wealth Management. 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 organizations. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

Richard Kidwell is a financial advisor with Ameriprise, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, offering detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and oversight committees to generate personalized recommendations, primarily focusing on assets held in Ameriprise Managed Accounts.

Gregory Kirchmeier is a financial advisor with Edward Jones in Hartland, MI, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers various advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Jason Arbetter is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2019. Prior to this, he worked at Securities America Advisors and Securities America Inc., with a combined tenure from 2010 to 2019. Outside of his advisory work, he serves as Treasurer for the Bend Paddle Trail Alliance, a nature society. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals utilizing various portfolio management and model-based solutions.

Robert Ketola Sr. is a financial advisor with Equitable Advisors in Brighton, MI, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Outside of his advisory role, he owns Robert P. Ketola & Associates, a business offering life, disability, pension, and investment services without compensation. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to deliver customized client solutions.

Christopher Alsobrooks is a financial advisor with Charles Schwab in Novi, Michigan, holding a Series 66 credential and 10 years of industry experience. His career includes roles at TD Ameritrade, LPL Financial, Old National Bank, and Scottrade, with his current tenure at Charles Schwab beginning in 2022. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence on alternative investments.

Timothy Pipkens II is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 credential and has previously worked at Woodbury Financial Services, Inc. and Questar Capital Corporation. In addition to his advisory work, he serves as an insurance agent with Clear Strategy, focusing on fixed insurance products and life and health insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with portfolio construction supported by asset-allocation tools, risk-tolerance assessments, and access to multiple third-party investment platforms.

Avery Ritz is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, Avery worked at W&S Brokerage and Western Southern Life and has a background that includes several years as a student. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios featuring mutual funds, ETFs, and ETPs.

Andrew Upleger is a financial advisor with LPL Financial in Highland, MI, holding Series 63 and Series 65 credentials and six years of industry experience. He has been with LPL Financial since 2019 and also operates Advantage Tax & Financial Services, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Zachary Snyder is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at firms including Woodbury Financial Services and Securian Financial Services. In addition to his advisory role, he operates NextGen Wealth Services, a sole proprietorship focused on wealth management. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing a variety of investment tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Karen Katinas is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, and Ameriprise Financial Services. Katinas also serves as a notary for Flagstar Bank N.A. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Ethan Mulder is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Epic Systems and Panera Bread. He is also involved with Wagner & Mulder Financial Group, a non-investment-related business based in Highland, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses analytical tools and tailored strategies to support diverse client goals and offers specialized programs including municipal advisory and SIMPLE IRA Employer Consulting Services.