Eric Ratliff is a CFP® professional with over 21 years of experience in the financial industry. He has worked at LPL Financial since 2022 and previously spent nine years with J.P. Morgan Securities. Ratliff is based in Troy, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Beena Kinariwala is a financial advisor at Equitable Advisors with 34 years of industry experience. She has held her current role since 1999, previously associated with AXA Advisors, LLC during overlapping years. Kinariwala also operates BK Financial Services as a sole proprietor, conducting insurance activities outside of the Equitable network. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, employing a hybrid referral and implementation model that integrates advisory and brokerage channels.

Erik Kent is a financial advisor at Ameriprise in Troy, MI, with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Morgan Stanley, Citizens Securities, Inc., and Scottrade. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

William Gieselman is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 23 years of industry experience. He has been with Raymond James & Associates since 2007. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutional clients, charitable organizations, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michelle Loney is a financial advisor with Raymond James & Associates in Grand Blanc, MI, holding a Series 66 designation and 13 years of industry experience. She worked at Merrill from 2014 to 2022 before joining Raymond James & Associates, where she has been since 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad 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.

Alexander Potter is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and was previously employed at MML Investors Services and MassMutual. Outside of his advisory role, he is involved in retail sales and owns entities including Potter Financial, LLC and Foundation Wealth Management, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using a variety of portfolio management strategies and platform options.

Sherrie Ingham is a financial advisor with Ameriprise in Troy, MI, holding the ChFC® designation and Series 63 and 65 licenses. She has 25 years of industry experience, including roles at Concorde Asset Management and L.M. Kohn & Company. Outside of her advisory work, she is involved in business ownership and serves as COO of TLC Management. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Phillip Rosiek is a Financial Consultant currently working at Fidelity Investments. He has been in this role since 2019 and has previously held positions as an Investment Consultant at Fidelity Investments from 2014 to 2019, and as a Financial Consultant II at PNC Bank from 2006 to 2014. With over 15 years of experience, Phillip has served as a trusted advisor to many multi-generational families. He approaches financial planning as a partnership, co-creating wealth plans tailored to provide a roadmap towards financial peace of mind. His commitment to clients includes evolving relationships that adapt as clients and their families experience life changes. Outside of his professional work, Phillip has personal interests in biking, reading, and soccer.

Mark Ligeski is a financial advisor at Edelman Financial Engines with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various affiliated firms since 2016. Edelman Financial Engines offers technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutions. The firm uses a committee-driven modeling process combined with planner delivery and online tools, providing both discretionary and non-discretionary advice with an emphasis on diversified model portfolios and long-term strategies.

Brock Cooper is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley and its private bank since 2017, with earlier experience at TIAA-CREF. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors as well as corporate agreements.

Morgan Stinson is a Financial Consultant at Fidelity Investments, a role held since 2026. In this capacity, Morgan partners with clients and their families to develop personalized financial plans that align with their goals and values. Morgan emphasizes long-term partnership and provides guidance through life's transitions, market uncertainty, and evolving objectives. Morgan's experience at Fidelity Investments includes progressive roles, beginning as a Financial Representative in 2021, followed by positions as Relationship Manager from 2022 to 2023, and Planning Consultant from 2023 to 2025. This progression reflects a broad exposure to client relationship management and financial planning within the firm. Morgan's approach focuses on open communication, thoughtful planning, and simplifying complex decisions to help clients feel confident about their financial future.

David Kaminski is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Kaminski owns and operates a commercial real estate business and serves as president on the board of a condominium association. Ameriprise is a large institutional firm offering retirement-income planning services focused on clients with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and a combination of research and modeling to generate personalized, tax-efficient recommendations.

Hunter McGuire is a Planning Consultant at Fidelity Investments. In this role, he collaborates with lead advisors to assist clients and their families in creating and implementing personalized financial plans tailored to their individual goals. Hunter has held several positions within Fidelity Investments, including Relationship Manager and Financial Representative, accumulating experience in financial planning and client relationship management. Prior to joining Fidelity, he worked as a Sponsor at Cornerstone Capital Planning Group. Outside of his professional duties, Hunter enjoys activities such as board games, family activities, fitness, social events with friends, outdoor adventures, and traveling.

John Panos is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. Before joining Raymond James, he worked at MaxPro Fitness and held multiple roles at Indiana University. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Thomas Vermeulen is a financial advisor with LPL Financial in Rochester, MI, holding Series 63 and Series 65 credentials and possessing 39 years of industry experience. He has been with LPL Financial since 2003. Outside his advisory role, he is involved in tax preparation and the sale of fixed annuities, health, disability, and long-term care insurance through his own entities. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services. The firm provides both discretionary and non-discretionary management supported by LPL Research, third-party subadvisors, and incorporates technologies such as machine learning in its investment processes.

Zeina Robinson is a financial advisor with Ameriprise in Royal Oak, MI, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Mark Thomas is a financial advisor with Fidelity, holding a Series 66 designation and beginning his advisory career in 2025. Before joining Fidelity, he worked at JPMorgan Chase from 2022 to 2025 and has experience with YMCA Camp Nissokone in non-advisory roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies with a formal advisory role.

Nisreen Kallabat Byrne is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with J.P. Morgan Securities since 2012 and is also involved as a partial owner and silent partner of Crown Office Building, LLC, a commercial office space entity. J.P. Morgan Securities 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, distribution, and investment management capabilities.

Nathan Morris is a Planning Consultant at Fidelity Investments, where he collaborates closely with financial consultants to identify opportunities within clients' financial situations. His role involves simplifying complex financial topics to ensure clients feel informed and supported throughout the planning process. He joined Fidelity Investments in 2024 and has held several positions, including Investment Solutions Representative and Customer Relationship Advocate, before becoming a Planning Consultant in 2025. Outside of his professional work, Nathan enjoys fitness, hiking, outdoor adventures, spending time with pets, and traveling.

Gary Wood is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, he spent over a decade with Avantax firms and has operated Wood and Associates Tax and Wealth Management, LLC since 1990, providing accounting and tax preparation services. He is also a managing member of Rochester Advisory Group, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor offering a multi-manager platform to a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a nationwide network of independent advisors.