Jennifer Michalski is a financial advisor with Morgan Stanley in Rochester, MI, holding a Series 66 designation. She has experience working with several firms since 2020, including Planning Alternatives and Hoover & Associates. Prior to her advisory roles, she held positions in diverse sectors such as retail at Home Depot and at the University of Hawaii at Manoa. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Lorri Freed is a financial advisor at LPL Financial with 38 years of industry experience. She holds the CFP® and Series 63 designations. Her prior experience includes 21 years at SIGMA Financial Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of financial planning and investment management solutions, utilizing both proprietary research and third-party resources.

Paul Gekiere is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2000 and joined Merrill in 2004. In his role, Paul focuses on assisting affluent individuals, families, and business owners in pursuing their financial goals through comprehensive wealth management strategies. His areas of expertise include family wealth management, personal retirement planning, retirement income, estate planning services, investments, tax minimization strategies, and wealth transfer. Paul emphasizes a service-based approach that involves thorough financial profiling to understand each client’s long-term goals and concerns. Leveraging the global resources of Merrill, he provides customized financial advice designed to help clients build, manage, and preserve wealth for current and future generations. Paul holds a bachelor's degree from Central Michigan University and a master's degree in finance from Baker College. He lives in Clarkston with his three children and enjoys spending time with family and friends. His personal interests include golfing and traveling for his children's sports teams, as well as biking, football, and skiing. Professional Designation: Personal Investment Advisor (PIA).

Anthony Bonanni is a CFP® professional with seven years of industry experience, currently advising at Osaic Wealth. His prior roles include positions at Woodbury Financial Services, Alidade Capital, and PriceWaterhouseCoopers. Outside of financial advising, he owns an accounting and tax preparation practice focused on small businesses and serves as a board member on his local homeowners association’s long-range planning committee. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm employs a model-based investment approach with discretionary and non-discretionary portfolio options and supports a broad range of advisory and brokerage services across multiple affiliated entities.

Steffen Mc Caughtry is a financial advisor with LPL Financial based in Rochester, MI, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2025, he held various roles including employment at Olive Garden and Wing Snob. He continues to work at Olive Garden outside of his advisory role. 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 financial planning and investment services, utilizing both proprietary research and third-party strategies, with notable scale across advisory, insurance, and banking partnerships.

Matthew Blackman is a financial advisor at LPL Financial with four years of industry experience and holds the Series 66 designation. His work history includes roles at Sigma Planning Corporation, Michigan Financial Company, UHY Corporate Finance, and the University of Michigan. Blackman is also involved with Trinitas Planning Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and various strategies across discretionary and non-discretionary accounts.

Joseph Cercone is a financial advisor at LPL Financial in Rochester, MI, holding a Series 66 designation with one year of industry experience. His previous roles include positions at Community Choice Credit Union and Livonia Italian Bakery. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,900 advisors and managing more than $819 billion in discretionary assets.

Jonathon Krempa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at J.P. Morgan Securities since 2016 and previously at Merrill from 2014 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their approach combines centralized due diligence, quantitative and qualitative research, and customized performance reporting to support client decision-making.

Robert Dietrich is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Ameriprise and Ameriprise Advisor Services before joining LPL Financial in 2015. He operates a business entity, Aquest Wealth Strategies, related 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Brendan Clancy is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with personalized financial advice and strategies aimed at securing their financial futures. Brendan specializes in areas such as education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, tax minimization, and retirement income. Before becoming a financial advisor, Brendan gained experience as a seasonal client associate on an advisory team at Merrill, where he was involved in relationship management and deepening his understanding of the economy and investments from a wealth management perspective. Prior to that, he worked as a Production Unit Leader at Fiat Chrysler Automobiles, managing multiple lines of production and assembly in Warren, Michigan. Brendan holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University. He has earned the CERTIFIED FINANCIAL PLANNER™ certification from the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Dream Centers of Pontiac, Gleaner's Food Bank, and the Salvation Army. Brendan resides in Grosse Pointe Woods with his wife Meghan and their daughter Nora.

Michelle Rafalski is a financial advisor with Cambridge Investment Research Advisors in Rochester, MI, holding a Series 66 designation and five years of industry experience. Prior to joining Cambridge, she worked at Marcus & Millichap for eight years. She serves as a board member of the Birmingham Bloomfield Chamber of Commerce and is co-chair of networking at the Royal Oak Chamber of Commerce. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, and retirement-plan advisory services to a diverse client base that includes individuals, institutions, pension funds, and charitable organizations. The firm offers both discretionary and non-discretionary management across multiple platforms, proprietary model strategies, and access to unaffiliated third-party advisers.

Trisia Gotham is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. Her prior roles include positions at Infinex Investments, Inc. and Essex National Securities, LLC. She is also a branch manager and notary at Flagstar Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining a broad advisory network with a range of non-advisory financial services.

Kevin Hepner is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he co-owns a business called David Brazen. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers these services through a centralized consulting team working alongside financial advisors.

Kerigan Schmidt is a financial advisor at Raymond James Financial with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, Schmidt worked at Morgan Stanley for four years and has held positions in both corporate and self-employed roles. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individual and high-net-worth clients, institutional investors, and charitable organizations. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through an affiliated municipal advisor.

Gerald Milliken is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 and Series 63 designations and previously worked at JPMorgan Chase Bank, N.A. for nineteen years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative screening and qualitative research to deliver non-discretionary, customized asset allocation advice and investment manager searches.

Matthew Zandi is a financial advisor with Raymond James & Associates, holding Series 63 and 65 designations and bringing 31 years of industry experience. He has been with Raymond James since 2009. Outside of his advisory role, he serves as a director at Hunt Club, a farming-related business in Pontiac, Michigan, where he advises on operational and capital improvement matters. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

Tyler Prisby is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2023. Prior to his financial career, he was affiliated with Lutheran High Northwest and Oakland University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning that covers various topics, including retirement and estate planning, with an option to combine planning with managed-account services under a consolidated billing program.

Scott Allen is a Series 66-licensed financial advisor with Edward Jones in Washington Township, MI, where he has worked since 2007. He has 18 years of industry experience. Outside of his advisory role, he serves as president of the Romeo Area Chamber of Commerce and owns a farm in Washington, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

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.

Steven Kallabat is a financial advisor with J.P. Morgan Securities, holding the Series 66 designation and bringing 11 years of industry experience. He has worked at J.P. Morgan Securities and its affiliates since 2015 and previously operated under his own name from 2012 to 2022. 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’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations and incorporates ESG criteria in its recommendations.