Julie Groulx is a financial advisor with LPL Financial in Oxford, MI, holding Series 63 and Series 66 designations and over 31 years of industry experience. She has been with LPL Financial and its predecessor firms since 1997. Outside of her advisory role, she is involved with Velovita, a nutritional company based in Plymouth, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Scott Nicholas is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Ameriprise since 2009, serving in various capacities within the firm. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

John Macdonald is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1996 and holds the position of Managing Director. John focuses on providing financial services to high net worth families and endowments, including investment management, wealth management, cash-flow management, and specialized financial services. His expertise encompasses areas such as family wealth management strategies, retirement planning, philanthropic planning, and socially responsible, values-based investing. John is a Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). He earned both his bachelor's and master's degrees from the University of Michigan System, completing his M.B.A. with a finance major. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for seven consecutive years through 2025. Within his community, John serves as Vice Chair of the Flint Cultural Center Corporation. He resides in Fenton with his wife Nicole and their daughter Allie.

Marco Pasquali is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., with prior experience at Merrill and Hewlett Packard Enterprise/DXC Technology. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform recommendations.

Charles Craves is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. His prior work includes long tenures at Royal Alliance Associates and BBCM Financial Services. Outside of his advisory work, he is active as a theatre actor in Clarkston, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of representatives. The firm offers a range of financial planning and advisory programs supported by research and technology, providing both discretionary and non-discretionary portfolio management options.

William Colvett is a CFP® professional with 23 years of industry experience, currently affiliated with LPL Financial. He has previously worked at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Indianwood Financial. In addition to his advisory work, he is involved with Orion Tax Group, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services supported by diversified investment research and portfolio management solutions.

Dennis Richardson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with LPL Financial since 2014 and is also involved with Canyon Realty LLC, where he has served as a real estate agent since 2007. Additionally, Richardson has ownership and supervisory roles in a third-party administrative firm, Michigan Pension Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, combining discretionary and non-discretionary management with access to LPL Research and third-party model portfolios.

Joshua Bush is a financial advisor with Edward Jones in Clarkston, MI, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, Bush is the owner of two real estate-related businesses, Arbusto Amadeo LLC and Honeybee Investments LLC, both located in Michigan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Alban Londo is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC since 2016, following a decade at JPMorgan Chase Bank NA. 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, distribution, and investment management capabilities, delivering its program on a non-discretionary basis.

Melannie Kleven is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017 and previously at PNC Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and offers non-discretionary advisory services through a select group of Wealth Advisors.

Nua Dushaj is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and with seven years of industry experience. Dushaj has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2018. Prior to that, Dushaj worked at Great Oaks Country Club from 2016 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael Roberts is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Andrew Krochalk is a Series 66-credentialed financial advisor with 16 years of industry experience. He has worked at J.P. Morgan Securities since 2025 and previously spent nine years at TIAA-CREF. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kevin Pierce is a CFP® professional affiliated with LPL Financial in Auburn Hills, MI, with 12 years of experience in the financial services industry. His career includes roles at Centaurus Financial, Parkland Securities, SPC, and Sigma Financial Corporation prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jeffrey Bowie is a financial advisor with Merrill in Grand Blanc, MI, holding Series 63, Series 65, and Series 66 licenses and 17 years of industry experience. He has worked at Merrill since 2008, with a brief period at BofA Securities in 2019. 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 investment strategies for individuals, high-net-worth clients, and institutions.

Jeffrey Jacques is a financial advisor with Edward Jones in Clarkston, MI, holding a Series 66 designation and having 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of approximately 23,701 financial advisors. The firm offers a range of advisory strategies and affiliated investment products, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets under management.

Clayton Winkler is a CFP® with 24 years of industry experience, currently affiliated with OSAIC since 2024. His prior experience includes 13 years at Woodbury Financial Services and ongoing work with Wiklund & Bond Financial Services. He is the founder and chairman of Dogtags 4 Jesus, Inc., a nonprofit organization. OSAIC serves a diverse range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services supported by firm-provided asset-allocation tools and access to third-party money managers.

Travis Smith is a CFP® with 17 years of industry experience, currently serving at Raymond James Financial. He has worked with Raymond James Financial Services since 2008 and holds a Series 63 designation. In addition to his advisory role, he is operations manager and co-branch manager at JLS Financial Services. 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 using analytical tools and supports both individual and institutional investing through a broad advisor network.

Chris Liparoto is a Wealth Management Advisor with over 30 years of experience in providing financial and wealth management advice and services. He is a Managing Director at Merrill Lynch Wealth Management, where he supports clients including families, business owners, retirees, and professionals in pursuing their financial goals through customized strategies. His areas of focus include wealth management, investment-based strategies, estate and wealth transfer, money management selection, as well as financing and treasury management strategies for small businesses. Chris holds a Bachelor's degree in Economics and Sociology from Michigan State University. He has earned the Certified Investment Management Analyst (CIMA) designation, the Certified Plan Fiduciary Advisor (CPFA) designation, and the Chartered Retirement Planning Counselor (CRPC) designation. His credentials reflect his commitment to professional standards in financial planning and wealth management. Residing in Oakland Township, Michigan, Chris lives with his wife and four sons. He and his family are actively involved in sports and music, and they enjoy traveling together, including annual trips to Colorado. Chris has been involved in community service for over 15 years, serving on various nonprofit boards. He currently serves on the Board of Directors for Notre Dame Preparatory School in Pontiac, Michigan.

Phillip Guerra is a financial advisor with Morgan Stanley, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for 13 years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. in 2025 and 2026, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.