Brenda Henning is a financial advisor with LPL Financial in Ann Arbor, MI, holding Series 63 and Series 66 credentials and possessing 21 years of industry experience. Her previous roles include positions at Old National Bank, Foresters Financial Services, and First Investors Advisory Services. She also participates in a referral program for banking products with Old National Bank. LPL Financial serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Janet Nickel is a financial advisor with Morgan Stanley in Ann Arbor, MI, holding Series 63 and Series 65 licenses. She has 37 years of industry experience and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Kristen Roy is a CFP® professional with 20 years of experience in the financial services industry. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she owns Simplified Divorce Solutions LLC, a consulting business unrelated to investments. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kimberly Haines is a financial advisor with Cetera, holding a Series 66 designation and bringing nine years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Investment Services and Goldsmith & Associates. In addition to her advisory role, she owns Kimberly J Haines LLC, through which she provides accounting, tax preparation, and payroll services to small businesses and individual clients. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Bruce Pickard is a financial advisor at Merrill based in Ann Arbor, MI, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has worked at Merrill since 1982 and has also been with Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Rolfes is a financial advisor with Ameriprise Financial Services in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Ameriprise since 2016 and previously managed his own financial practice. Outside of advising, he serves as a basketball official for the Michigan High School Athletic Association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Paulette Miller is a Series 65-licensed financial advisor with 14 years of experience at Cambridge Investment Research Advisors. She has been with the firm since 2012 and also operates Miller & Associates, Pc, which she has been involved with since 1987. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, employing a range of portfolio management and model-based solutions tailored to client objectives.

Jeremiah Newton is a financial advisor at Edward Jones in Manchester, MI, holding a Series 66 credential with two years of industry experience. His prior work includes five years at Consumers Energy Inc. and eleven years at PECO Pallet Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

John Syverson is a financial advisor with Merrill based in Ann Arbor, MI. He holds Series 63 and Series 65 credentials and has 44 years of industry experience. His career includes long-term tenures at Merrill since 1981 and Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Sara Savoia is a financial advisor at Edward Jones in Ann Arbor, MI, holding a Series 66 designation with seven years of industry experience. Her prior work includes roles at Franklin Energy and Kroger before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large nationwide network of advisors and branch offices.

Richard Stites is a financial advisor with LPL Financial in Ann Arbor, MI, holding Series 63 and Series 65 licenses and offering 34 years of industry experience. He has worked at LPL Financial since 2018 and has prior experience with Blue Water Asset Management and Invest Financial Corporation. He also operates Stites Financial LLC, an insurance agency and investment-related business he has managed since 1997. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, as well as research and model portfolios from internal and third-party sources.

Tricia Nelson is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 10 years. Outside of her advisory role, she manages an independent advisory business, RNB Greenlight LLC. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized recommendation reports. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Larry Mayberry is a financial advisor at Fisher Investments with 11 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Fisher Investments in 2018, he worked with Northwestern Mutual in various roles from 2014 to 2018. Fisher Investments serves a global range of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research and employs tax-aware strategies and risk management techniques.

Laura Kellmann is a CFP® credentialed financial advisor with Ameriprise, based in Marco Island, FL, and has 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2002. Kellmann serves on the board of directors for Pink Sisters Inc., a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with tailored advice, delivering recommendations through a centralized consulting team in partnership with client advisors.

Devon Manntz is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. He has been with Edward Jones since 2014, returning to the firm in 2024 after a previous ten-year tenure. 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Daniel Holzman is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He partners with clients to understand their goals and develop long-term strategies utilizing Fidelity's resources. Prior to his current position, Daniel served as a Planning Consultant at Fidelity Investments from 2024 to 2025 and as an Investment Consultant there from 2022 to 2024. Before joining Fidelity, Daniel worked as a Brokerage Specialist at Charles Schwab from 2020 to 2022. He also gained experience as a Prime Brokerage Analyst at Interactive Brokers LLC from 2017 to 2020.

Kristi Dykstra is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 designations and has 32 years of industry experience. Her prior work includes nearly two decades at Wells Fargo Clearing and recent roles at Arcadia Capital and Baughman Capital Management, where she serves as branch manager. 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 planning using analytical tools and supports a wide network of advisors with specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Kierra Ryan is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. Her prior roles include positions at Thomson Reuters and Bunzl Distribution NA. She has also been involved in early childhood education through roles at Zion Lutheran Preschool and Daycare and Freedom Child Development Center. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support clients’ investment goals and offers specialized services such as municipal finance advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Adam Caballero is a financial professional with 11 years of industry experience, currently associated with Cetera. He holds the Series 66 designation and has previously worked at Edward Jones and Ameriprise. Outside of his advisory role, he serves as a wrestling coach for Milan Area Schools. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, with programs ranging from automated allocations to direct indexing and customized strategies.

Heather Armstrong is a financial advisor with J.P. Morgan Securities in Ann Arbor, MI, holding a Series 66 designation and eight years of industry experience. Her prior work includes roles at Meijer and various financial services firms before joining J.P. Morgan in 2018. She also volunteered with the Ronald McDonald House from 2014 to 2017. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory programs supported by a centralized due-diligence framework.