Pamela Wright is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Smith Barney since 2009, following 15 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and 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 that utilizes firm-approved tools and modeling techniques.

Cheryl Benway is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked with Primerica since 2009 and has held positions at several organizations including the County of Genesee and Lorbec Metals USA Ltd. In addition to her advisory role, she is involved in the sale of home security and automation product referrals through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports execution and custody through BNY Mellon Advisors and Pershing.

John Wagner is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 19 years of industry experience. He has worked at Raymond James since 2016 and was previously with Ameriprise from 2010 to 2016. Wagner also has an involvement as an independent contractor financial advisor with Ballard Wealth Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and offers specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

Dan Thornton is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 1998, progressing through various roles including VP, Financial Consultant; VP, Regional Planning Consultant; Work Place Guidance Consultant II; Regional Consultant; Regional Education Consultant; and Financial Consultant. Prior to joining Fidelity, Dan worked as an Investment Executive at UBS and as a Personal Financial Advisor at American Express Financial Advisers (Ameriprise). Dan focuses on co-creating comprehensive wealth plans that help clients utilize employer benefits, accumulate savings, manage spending, protect assets, and transfer wealth. His approach incorporates principles of investing and income diversification tailored to client preferences. Outside of his professional work, Dan enjoys boating, bowling, cooking and baking, fitness, golf, and softball.

Angela Moyer is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 22 years of industry experience. She has previously worked at Ameriprise Financial Services, Inc. for 15 years and spent seven years with Avantax Advisory Services and related entities. Angela also operated D.A.M. Taxes LLC for one year. 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 discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Mitchel Vallie is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Raymond James & Associates since 2022. He previously worked at Bank of America and Merrill from 2015 to 2022. Outside of advising, he and his wife own a business focused on manufacturing a new type of retrieving training dummy for hunting and retrieving dogs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves individuals, institutions, and various organizations. The firm offers tailored financial planning and advisory services supported by extensive research, a diverse range of portfolio management styles, and specialized municipal advisory capabilities.

Nicholas Nawrocki is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to clients’ unique goals and aspirations. He collaborates closely with individuals, families, corporate executives, charitable organizations, and endowments to develop comprehensive financial plans focused on family wealth management, legacy planning, personal retirement planning, and retirement income. Nicholas emphasizes a goals-based approach aimed at improving clients’ financial health and maintaining lifelong relationships through regular reviews and strategy adjustments. Nicholas holds a Bachelor's Degree from Michigan State University and the professional designation of Personal Investment Advisor (PIA). He integrates the investment insights of Merrill and the banking and lending solutions of Bank of America to deliver flexible strategies suited to today’s dynamic market conditions. His approach is founded on understanding clients’ life priorities beyond market performance to create plans centered on what matters most to them. In addition to his professional commitments, Nicholas participates in community service through his involvement with the American Cancer Society. Outside of work, he enjoys basketball, fishing, golfing, traveling, and spending time with his family.

Jonathon Krempa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Lee Napier is a CFP® and holds a Series 66 license, with 13 years of experience in the financial industry. He has worked with Edward Jones since 2012. 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 discretionary and non-discretionary investment strategies and operates under a fiduciary standard.

Jason Kokaly is a financial advisor with Ameriprise in Linden, MI, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at Edward Jones from 2015 to 2023. Outside of his advisory role, Kokaly is involved in independent insurance brokering and owns a consulting business, Kokaly Investments. He also serves on the Board of Directors for the University of Michigan Club of Greater Flint. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice primarily for clients with Ameriprise-managed accounts.

Alyssa Thomason is a financial advisor with Ameriprise in Grand Blanc, MI, holding a Series 66 designation and 12 years of industry experience. She has worked at Ameriprise and its affiliated entities since 2013, with additional experience at Elevated Performance Investment Group and Barnett Financial & Tax. Thomason also owns and manages Thomason & Associates, LLC, an advisory business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, 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 in its approach and offers a broad range of advisory, brokerage, and insurance solutions.

Chad Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. 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 affiliated mutual funds, operating under a fiduciary standard.

Timothy Fliam is a CFP®-certified financial advisor with 11 years of industry experience, currently with Edward Jones since 2017. He previously worked at CETERA Advisor Networks LLC and serves in the United States Navy Reserves as a Hospital Corpsman. Outside of his advisory role, he officiates high school football during the fall season. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors, and offers a range of advisory programs with over $1 trillion in assets under management.

Jon Sabo is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 30 years of industry experience. His prior roles include positions at Merrill and Chase Investment Services Corp. He is also engaged as an associate financial advisor at Dave Brazen, providing financial advisory services in Troy, MI. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which delivers personalized recommendations and annual advice focused on reliable income sources and tax-aware withdrawal strategies.

Michael Ratliff is a financial advisor with Edward Jones in Ortonville, MI, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Edward Jones since 2007. 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 solutions supported by a large nationwide network of financial advisors and branch offices.

Matthew Brown is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 36 years of industry experience. He previously worked at Ameriprise Financial Services and Merrill. Outside of his advisory role, he has been involved with Lost Creek Woods, LLC for tax and investment purposes unrelated to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services through a network of advisors who utilize a variety of portfolio strategies and operational support tools.

Jonathan Ragnone is a Senior Financial Advisor with Merrill Lynch Wealth Management and a qualified Senior Portfolio Advisor. He specializes in managing discretionary custom investment strategies, utilizing Merrill model portfolios, individual stocks and bonds, and third-party investment strategies. In his role, he works closely with clients to identify their goals and develop tailored investment plans to pursue their desired outcomes. Jonathan's areas of expertise include services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income. He began his career at Merrill in 2010 and is part of the NMY Group. He holds a Bachelor's Degree from Central Michigan University and is a Personal Investment Advisor (PIA). Beyond his professional commitments, Jonathan is a Past President of the Burton Rotary Club and a member of the National Ski Patrol. He is involved in community organizations such as the Boys and Girls Club Greater Flint, Otsego Ski Patrol, and Project Heats On in Burton, Michigan. Jonathan enjoys boating, cooking, fishing, and golfing. He resides in Grand Blanc with his wife, Sandy, and they have three children and three grandchildren.

Kenneth Thompson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors, Inc. since 2010 and serves as Co-Trustee for Joanne Thompson since 2016. Outside of his advisory role, he is involved in a personal lending arrangement. 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 investors. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through unique institutional affiliations.

Celena Howard is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2013. 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 delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michael Matthews is a financial advisor with OSAIC based in Clarkston, MI, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior affiliations include Affiliated Advisors, Inc., Royal Alliance Associates, Inc., MJM Associates, Inc., where he is also president, and The Merchant Group. He provides non-securities fiduciary consulting, insurance services, and employee benefits through MJM Associates and sells fixed insurance products as a sole proprietor. OSAIC serves a diverse mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports multiple advisory platforms, including third-party managed-account solutions.