John Kulhavi is a financial advisor with Raymond James & Associates holding a Series 66 designation and 28 years of industry experience. His prior experience includes roles at UBS Financial Services Inc. for 18 years and Wells Fargo Clearing Services for 3 years. Outside of his advisory work, he holds power of attorney for his parents in Macomb, Michigan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary consulting, and institutional fiduciary services supported by a range of portfolio management styles and affiliated research.

Scott Rentz is a financial advisor with Fidelity in Troy, MI, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He has worked in various roles within Fidelity since 2005, including positions at Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and most recently Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, offers 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 manage portfolios and provides oversight and advisory services to multiple registered investment companies and intermediaries.

Faith Marzolf is a financial advisor with Stifel, holding a Series 66 designation and four years of industry experience. She previously worked at Merrill Lynch Wealth Management and ITW Global Automotive. Marzolf also serves as a notary in Rochester, Michigan. Stifel serves a diverse client base, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Thomas Shook is a Financial Consultant I currently working at Fidelity. He has been with Fidelity since 2021, serving in roles including Investment Management Consultant and Planning Consultant before his current position that began in 2025. Prior to joining Fidelity, Thomas worked at Morgan Stanley and E*TRADE by Morgan Stanley as a Financial Advisor and Financial Consultant, respectively, from 2018 to 2021. Thomas takes a relationship-centered approach to financial consulting, focusing on helping clients navigate financial decisions with confidence and clarity. His professional experience spans investment management and financial planning, supporting clients through various stages of their financial journey. Outside of his professional work, Thomas has personal interests in golf and traveling.

Ryan Hansinger is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and two years of industry experience. He has worked at Equitable Advisors since 2021 and serves as Director of Operations at AT Aspen LLC. Hansinger is also a networking member of the Rochester Regional Chamber of Commerce. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, offering diversified investment solutions and ERISA fiduciary services through its network of Investment Adviser Representatives.

Ryan Barrett is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Raymond James since 2011 and is a 50% owner and partner in B&T Wealth Management, LLC, which supports his Raymond James practice. Barrett also owns RPB Financial Management, a support company, and holds a 50% ownership interest in R&R Investment Holdings, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored non-discretionary planning and consulting, utilizing analytical tools and modeling to support client goals, and maintains specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Amanda Bell is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 20 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith for 12 years before joining Raymond James in 2019. 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, pension plans, and charitable organizations, offering financial planning and investment consulting through various specialized programs.

Maria Baron is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including Bank of America, Merrill, and Citigroup Global Markets. Outside of her advisory role, she is involved in supervising an online boutique on Etsy that features coffee cups and t-shirts designed by her daughter. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Recommendations are supported by centralized due diligence and may include ESG considerations.

Jay Smith is a CFP® with 44 years of experience in the financial services industry. He has been with Raymond James Financial and its affiliates since 1986 and currently operates out of Oxford, MI. Outside of his advisory role, he is a partner in an LLC that holds real estate used for his practice. 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 supported by risk profiling and modeling tools, and is notable for its municipal advisory affiliation and specialized employer advisory programs.

Joseph Kenyon is a financial advisor at Stifel with 25 years of industry experience. He has held his current position at Stifel Nicolaus & Co. Inc. since 2010. Kenyon holds Series 63 and Series 65 designations and is based in Rochester, Michigan. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is grounded in proprietary methodologies developed by its Investment Strategy Group, which employs forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Steven Du Charme is a financial advisor with Ameriprise in Rochester Hills, MI, holding Series 63, 65, and 66 licenses. He has 34 years of industry experience, including 21 years at Ameriprise and its affiliated entities. Outside of his advisory role, he manages an advisory business through OKL, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Channing Pritchett is a financial advisor at Edward Jones with 11 years of industry experience. He holds the ChFC® designation and the Series 66 license. Pritchett has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Jason Tether is a financial advisor with MassMutual Investors Services in Auburn Hills, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1997. In addition to his advisory role, he is an insurance agent specializing in life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as ongoing collaborations using firm-approved analytical tools to guide client recommendations.

Mark Gugel is a financial advisor with Thrivent Investment Management in Shelby Township, MI. He holds Series 63 and Series 66 designations and has 24 years of experience. Since 2002, he has worked with Thrivent Financial for Lutherans, Thrivent Investment Management, and Walsh College. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering written recommendations on a wide range of financial topics without including implementation. The firm delivers holistic, goal-based analyses and allows clients to combine planning with managed-account services while maintaining separate engagements.

Kristie Szejbach is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2000. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a large-scale firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-driven strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Robert Whitcomb is a financial advisor at LPL Financial with 32 years of industry experience. He has been with LPL Financial since 2008 and holds Series 63 and Series 66 designations. 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 provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Christopher Reid is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services, LLC since 2021. He previously worked at Royal Alliance & Associates for ten years and Leonard & Company for one year. Outside of his advisory role, he is involved in managing and training staff at Blumark Financial Advisors LLC and serves as a director and tax professional at Blumark Tax Advisors LLC, where he prepares and reviews income tax returns. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with tailored income planning advice based on proprietary research and algorithmic analysis.

Robert Frank III is a financial advisor with LPL Financial in Rochester, MI, holding Series 63 and Series 65 credentials and 31 years of industry experience. His prior experience includes roles at SPC, Sigma Financial Corporation, and Ameriprise Financial Services. He is involved with Producers Choice Network, a non-variable insurance business. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a wide range of investment strategies and client needs.

Joseph Kelly is a financial advisor with Merrill in Sylvan Lake, Michigan, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Merrill since 2009 and also with Bank of America since 2010. Outside of his advisory role, he owns Misneach Caim, LLC, a business organization, and serves as an advisory board member for Coral Springs Resort, a nonprofit entity. 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 a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients, utilizing internal and third-party managers.

Damoni Ealy is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to develop financial strategies tailored to their unique goals and circumstances. His approach emphasizes understanding what clients and their families value most, with the aim of helping them pursue their financial objectives. Damoni holds a Bachelor's Degree from Grand Valley State University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through his role at Merrill Lynch, he facilitates access to global investment resources as well as credit, lending, and banking services offered by Bank of America.