Matthew Rogal is Vice President and Private Wealth Management Advisor at Fidelity Investments. In this role, he focuses on aligning personal wealth strategies with the aspirations of clients and their families. Matthew has been with Fidelity Investments since 2013, progressing through various roles including Financial Representative, Investment Consultant, Financial Consultant, and Vice President Wealth Planner before assuming his current position in 2021. Prior to joining Fidelity, he worked as a Private Client Banker at J.P. Morgan Chase Private Client from 2010 to 2013. He holds a California Insurance License.

Nathan Bond is a financial advisor with Ameriprise holding a Series 66 designation and has one year of industry experience. He has previously worked at Grand Valley State University, Western Golf and Country Club, and Livonia Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Jason Coldicott is a financial advisor with Ameriprise in Novi, MI, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliated entity since 2015. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, emphasizing managed accounts within its platform.

Amanda Pokrefky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing three years of industry experience. Her background includes roles in education and small business ownership. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and provides financial planning and consulting services supported by a wide range of portfolio management strategies.

Keaton Hirsch is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at firms including TD Ameritrade and Capstone Partners. Hirsch has also been affiliated with Charles Schwab Bank and Charles Schwab since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Matthew Van Hekken is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Fidelity Investments, The Huntington Investment Company, and Cetera. He is based in Novi, Michigan. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a centralized operational structure.

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.

Susan Wellman is a financial advisor with Primerica Advisors in Highland, MI, holding Series 65 and Series 63 licenses and two years of industry experience. Her background includes roles at Primerica Financial Services and United Wholesale Mortgage, as well as a six-year tenure with Spectralite and 15 years at Keating Network. Outside of advisory work, she serves as Vice President of Strategic Relations for Curus in Farmington Hills, MI. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets with nearly 3,700 advisors. The firm serves individual investors, corporate, and charitable clients through a wrap-fee asset management program that utilizes model-delivery strategies developed by unaffiliated asset managers and incorporates discretionary separately managed accounts.

Luke Nolan is a financial advisor with Ameriprise in Howell, MI, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory role, Nolan owns The Nolan Consulting Group, provides expert witness services in financial services cases unrelated to Ameriprise, and serves on the finance committee of the Livingston County United Way. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, algorithm-supported recommendations, primarily focusing on assets held within Ameriprise-managed accounts.

Kyle Adams is a CFP® with two years of industry experience, currently with Cetera. Prior to joining Cetera, he worked at Michigan Financial Companies and has experience in financial planning and securities sales. He has also held positions outside finance, including work in landscaping and at a golf club. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform.

Rachel Meekhof is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to her financial services career, she held positions at several companies including Memphis Pizza Cafe and Bayer CropScience. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base 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 SMAs and provides integrated brokerage, custody, and cash-sweep services.

Linda Barrows is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and having 31 years of industry experience. She has been with Primerica Financial Services since 1995 and Primerica Advisors since 2001. Outside of advising, she is the author of the book *Flirting With Stupid*, a publishing project she has been involved with since 2022. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Lubna Jones is a financial advisor with Wells Fargo Advisors in Fenton, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She previously worked at UBS Financial Services Inc for 12 years before joining Wells Fargo Advisors in 2021. Jones serves as an advisory finance committee member at St. George's Orthodox Church in Flint, MI. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory work with other financial products and referral channels.

Kelsey Hunter is a financial advisor at OSAIC with eight years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Woodbury Financial Services Inc, Wealth Strategies Financial Group, and several other financial firms. Outside of her advisory role, Hunter operates a registered representative business under NextGen Wealth Services and also sells fixed life insurance products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of services such as brokerage, investment advisory, financial planning, and managed accounts. The firm employs asset-allocation tools and third-party solutions to construct portfolios across various investment types for both discretionary and non-discretionary management.

Vanessa Thomas is a financial advisor at Ameriprise with Series 63 and Series 65 credentials and three years of industry experience. Her prior roles include positions at Foguth Financial Group and Executive Wealth Management. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Sean Hetherton is a financial advisor at Edward Jones with 29 years of industry experience. He has been with Edward Jones since 2001 and holds Series 63 and Series 66 registrations. 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 under management through a large network of financial advisors and branch offices, offering a range of advisory programs and affiliated investment products.

Jonathon Sermo is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2013. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and document management. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports and combining research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Chad Ross is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Royal Alliance Associates, Inc. and Mass Mutual Investors Services. Ross serves as a city council member in Frankenmuth, Michigan, and is CEO of Pension Plan Consultants, a firm providing plan design and consulting services for self-directed 401(k) plans. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs a range of portfolio construction tools and supports various account management options while maintaining multiple advisory platforms resulting from several mergers and corporate arrangements.

Jeff Tomlinson is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2021. He has 16 years of industry experience, including seven years at Voya Financial Advisors. Tomlinson also operates a business entity for his LPL work under the name Nova Retirement and Wealth Solutions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research and a range of portfolio management options.

Steven Kolasinski is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies, operating under a fiduciary standard.