Jeff Guthrie is a financial advisor with Cetera in Dundee, MI, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at The Huntington National Bank and its affiliated investment companies. Cetera Investment Advisers LLC serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Paolo Giannandrea is a financial advisor with Charles Schwab in Ann Arbor, MI, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Fifth Third Bank and Fifth Third Securities, as well as work in property development and media during his early career. 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 combines non-discretionary and discretionary investment options and operates at a large scale with integrated custody and advisory functions.

David Kreske is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at Telemus Investment Management, LLC for one year. He also serves as a power of attorney for his parents in investment-related matters. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Daniel Lyczak is a financial advisor at UBS Financial Services in Ann Arbor, MI, holding a Series 66 designation and bringing 21 years of industry experience. He previously worked at Bank of America, Merrill, Banc of America Investment Services, Inc., and LaSalle Financial Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-based, model-driven investment strategies tailored to clients' goals and risk profiles.

Troy Miller is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held roles at Acushnet Company and various other organizations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary investment recommendations and access to discretionary separately managed accounts. The firm is notable for its scale, integrated advisory and brokerage services, and multi-asset investment approach with strategic asset allocation and alternative investment options.

Frank Mirabella III is a financial advisor at Robert Baird & Co. in Ann Arbor, MI, holding Series 63 and Series 65 licenses with 48 years of industry experience. He has worked at Robert W. Baird since 2018 and previously at Wells Fargo Clearing from 2016 to 2018. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of managed account strategies and internal research with advanced tools such as artificial intelligence.

Nathaniel Bernos is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Ameriprise Financial Services and Raymond James & Associates. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Daniel Kaminski is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their motivations and financial goals, utilizing the firm's Personal Wealth Analysis platform to assist in areas such as portfolio management, lending, estate planning, alternative investments, and banking. Since joining his current team in 2023, Daniel has collaborated with colleagues to help clients evaluate their financial standing and develop strategies tailored to their objectives. Daniel began his career in 2016 with The Hantz Group in Southfield. He holds a Bachelor's degree in Business and Organizations from the Gerstacker Business Institute at Albion College, where he also participated as a midfield player on the lacrosse team. His professional expertise includes college education planning, family wealth management strategies, retirement income planning, tax minimization, and small business strategies. Outside of his professional role, Daniel enjoys various recreational activities including golfing, skiing, boating, and fishing with his wife, Margaret. They reside near Ann Arbor and spend time at their family's home on Lake St. Clair.

Thomas Baughman is a financial advisor at Raymond James Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James Financial since 2000. He is also associated with Northwood Capital, a support company he owns that manages his independent contractor income. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary consulting using analytical tools and supports advisory programs across a large network.

Karen Heddle is a financial advisor with Edward Jones in Ann Arbor, MI, holding a Series 66 designation and 17 years of industry experience. Her career includes multiple tenures at Edward Jones, as well as positions at Fifth Third Securities and LPL Financial LLC. 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 solutions, supported by a large network of financial advisors and branch offices nationwide.

Chenley Sinclair is the Vice President, Wealth Planner at Fidelity Investments. In this role, Chenley partners with clients to support their relationships with family and wealth, aiming to develop financial planning strategies tailored to each client's goals while ensuring they feel comfortable and understood throughout the process. Chenley emphasizes client involvement in managing their wealth, utilizing the tools and resources provided by Fidelity. Chenley has been with Fidelity Investments since 2015, progressing through multiple roles including Financial Representative, Relationship Manager, Financial Consultant, and Vice President, Financial Consultant before assuming the current position in 2025. Prior to joining Fidelity, Chenley held the position of Assistant Branch Manager and Branch Manager from 2012 to 2015. Outside of professional engagements, Chenley has interests in art, cooking and baking, fitness, gardening, pets, and traveling.

Samantha Maddox is a Series 66-licensed financial advisor with Thrivent Investment Management in Ann Arbor, MI, with three years of industry experience. Prior to joining Thrivent, she worked in education at Bedford Public Schools and The University of Toledo. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses across a range of financial topics without discretionary portfolio management or institutional advisory services.

Stephen Manchester is a financial advisor with Edward Jones in Ypsilanti, MI, holding Series 63 and Series 66 licenses and totaling 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 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 and supported by a nationwide network of more than 23,000 financial advisors.

Tyler Giese is a financial advisor with J.P. Morgan Securities based in Ann Arbor, MI. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A. since 2016 and a prior position at Principal Financial Services from 2013 to 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and integrates ESG criteria within its investment recommendations.

Keith Grover Jr. is a financial advisor with Cetera, holding a Series 65 credential and two years of industry experience. He is also a partner and Director of Tax at Polk and Associates, PLC, a public accounting firm providing accounting, compliance, consulting, and attest services to individuals and companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Stacy Downing is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Cambridge since 2014. Outside of her advisory role, she serves as an advisory board member for the Tecumseh Parks & Recreation Department and is the secretary of the Rotary Club in Clinton, MI. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and provides access to various platforms, third-party advisers, and proprietary model strategies.

Allison Brooks is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services LLC since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with multiple registered investment companies and the use of systematic methodologies and AI in its investment process.

Jason Bockrath is a financial advisor with Wells Fargo Clearing in Ann Arbor, MI, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following prior roles at A. G. Edwards & Sons, Inc. and Natcity Investments, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to guide investment decisions.

Michael Claus is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has worked in various roles, including positions at CUSO Financial Services, DFCU Financial, and Eastern Michigan University. He has also been involved with the Saline District Library and spent sixteen years at Adrian College. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Soo is the sole advisor at Soo Financial L.L.C., an independent registered investment adviser based in Saline, Michigan. He holds Series 63 and Series 65 credentials and has 15 years of industry experience. Soo has led Soo Financial since 2003. Soo Financial L.L.C. manages approximately $23.2 million for 43 clients, providing portfolio management services to both individual and institutional clients, including pension consulting. The firm combines a solo-advisor structure with capabilities typically found in larger institutions, supported by documented policies on trade execution, custody, and proxy voting.