Christopher Dowd is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients as part of the Dowd-Nawrocki Group. He employs a planning-focused approach to investments, integrating risk reduction strategies that are tailored to the unique needs of each client. His experience spans working with individuals, families, small businesses, and foundations to design and implement goal-based financial plans and strategies. Mr. Dowd joined Merrill in 1996 after earning his bachelor's degree from Queen's University in Kingston, Ontario. He holds the professional designations of CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA). His client focus areas include college education planning, family wealth management, legacy planning, retirement income, and strategies for managing new wealth and individual and corporate investments. Outside of his professional responsibilities, Christopher Dowd volunteers with community organizations and enjoys personal interests such as cooking, fishing, hunting, reading, skiing, traveling, and spending time with his wife Jennifer and their two children in Grand Blanc.

Robert St Louis is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has prior experience at Huntington National Bank and The Huntington Investment Co. 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 strategies and affiliated investment products, operating under a fiduciary standard and with a large nationwide network of advisors and branch offices.

Stuart Higgins is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been part of The Higgins Group since October 2016. He focuses on developing long-term financial advisory relationships tailored to each client's specific lifestyle and goals. His services include wealth and retirement management strategies, estate and college education planning, as well as portfolio management and lending services through Bank of America. Prior to joining Merrill Lynch, Stuart worked in the Greater New York City area for Lord Abbett Investments, specializing in mutual funds, separately managed accounts, and defined contribution business. He holds a Bachelor's degree in Business Management from the University of Maine, where he also played Division 1 Ice Hockey. During his time at the university, he contributed to the student newspaper and volunteered with the Special Olympics. Stuart's community involvement includes participation with MCIR Special Olympics and the University of Maine Students for Liberty. He holds the Personal Investment Advisor (PIA) designation and is registered with NMLS under ID 1565253.