John Cooper is a financial advisor with Primerica Advisors, holding Series 63 and 65 licenses and bringing 17 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 2013. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based strategies supported by third-party asset managers and custodians.

Philip Maniaci is a Series 66-licensed financial advisor with Raymond James & Associates, where he has worked for 26 years. Based in Clinton Township, MI, he has maintained a consistent career at the firm since 2000. Outside of his advisory work, he owns a small business crafting and selling handmade cutting boards. 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, charitable organizations, and municipal entities, offering financial planning, advisory programs, and institutional consulting while utilizing a range of portfolio management styles and affiliated research.

Mark Frye is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. His prior roles include positions at Spire Investment Partners, W & R Insurance Agencies, and Waddell & Reed Inc. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering a broad range of advisory strategies and affiliated investment products. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branches.

Joseph Saverino is a financial advisor with Raymond James & Associates in Clinton Township, MI, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Raymond James since 2005 and is also a partner and owner of Pilot Financial Group LLC, a business formed in collaboration with fellow advisor Ralph Koss. Saverino has a background that includes working at Clear Channel since 2003. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, charitable organizations, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

K. Jones is a financial advisor at UBS Financial Services with 31 years of industry experience. Holding Series 65 and Series 63 credentials, Jones has been with UBS since 2013. Outside of advising, Jones serves as treasurer for the Golf Cottage I Association condominium association in Lewiston, MI. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers research-driven, model-based asset allocation tailored to client goals.

Jennifer Griffin is a CFP®-credentialed financial advisor with 22 years of industry experience. She is associated with Cetera and has held roles at Cetera since 2006 as well as ownership of Griffin Wealth Management & Tax, LLC since 2012. Additionally, she serves as a Senior Tax Manager at Marcum LLP, where she performs tax planning and preparation remotely. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services, with access to various investment strategies through affiliated and third-party managers.

Gurdeesh Singh is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Meredith Atrasz is a Financial Consultant at Fidelity Investments, a position she has held since 2017. Her professional background includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as Client Service Specialist at TD Ameritrade. Her approach focuses on helping clients improve their financial situation by aligning their plans with their goals and personal preferences. Meredith emphasizes collaboration that involves candor, openness to new ideas, accountability, and action. She aims to build life-long relationships with clients and their families to educate and empower them to make informed financial decisions. Outside of her professional work, Meredith has interests in cooking and baking, music, parenthood, puzzles, traveling, and yoga.

Steven Andriola is a financial advisor with Ameriprise Financial Services in Troy, MI, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise since 2009 in various capacities. Outside of his advisory role, he serves as president of the Tuesday Jr. House League, a sanctioned bowling league, where he reviews and audits league financials. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm employs a non-discretionary, research-driven approach focused on dependable income sources and tax-aware withdrawal strategies.

Steven Enders is a financial advisor with OSAIC in Utica, Michigan. He holds Series 63 and Series 66 licenses and has 42 years of industry experience. Prior to joining OSAIC in 2024, he worked at Cetera and Summit Financial Group. He is also involved in sales and marketing of fixed annuities, securities, and investment advisory products through a related corporation. OSAIC serves a diverse client base including retail and institutional investors and offers integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm utilizes various portfolio construction tools and supports multiple platforms, including legacy programs and third-party managed-account solutions.

Ryan Armstrong is a financial advisor with Osaic and holds a Series 66 designation. He has 20 years of industry experience, including a long tenure at Midwest Financial Advisors where he serves as Vice President. Armstrong also provides insurance services alongside his investment activities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisors. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios that may include various asset classes on both discretionary and non-discretionary bases.

Robert Stockoski is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial since 2018. His prior roles include positions at The Huntington Investment Company, The Huntington National Bank, and PNC Investments. Outside of advisory work, he is a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a range of discretionary and non-discretionary management approaches supported by internal and third-party research.

Beth Lappin is a financial advisor at Ameriprise with 29 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Ameriprise and its affiliates since 1997. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written retirement planning recommendations and ongoing advice centered on reliable income sources and tax-aware withdrawal strategies.

Fred Kobler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has worked with Cetera and its affiliates since 2015 and previously at Summit Financial Group Inc. Kobler is also the president and majority owner of United Tax Service Inc., a tax preparation and accounting firm. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with a wide range of program options and custodial relationships.

Gerald Purdy is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at LPL Financial for 16 years. He is also co-owner of Firma Financial Planning, an investment-related business. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized consulting team to deliver tailored, non-discretionary retirement recommendations.

Gongju Baek is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. Their prior roles include positions at Mass Mutual Investors Services, New York Life Insurance Company, and Atomy America Inc. Baek holds Series 63 and Series 66 designations. 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, distribution, and investment management capabilities.

Susanne Kullen is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Wealth Strategies Financial Group and Securian Financial Services. Outside of her advisory work, she is a member of BRSK Management, LLC, a property management business, with no active duties. Ameriprise serves clients primarily through its retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm employs a centralized consulting team to provide non-discretionary, research-driven recommendations focused on income, tax efficiency, and Social Security strategies.

Mark Ducharme is a financial advisor with Cetera in Troy, MI, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Cetera and Cetera Wealth Services since 2025 and concurrently works with Innovative Financial Inc, where he serves as a financial professional and tax preparer. Ducharme is also president of Ducharme Financial Services Inc, an entity established for income tax purposes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers through a multi-manager platform with a variety of program structures and custodial relationships.

Jeremy Coppola is a financial advisor at LPL Financial with three years of industry experience. He holds the CFP® designation and the Series 66 license. Prior to joining LPL Financial, he worked at OSAIC and several other firms. Outside of his advisory role, he serves as a case manager and financial paraplanner at Cobblestone Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management alongside model portfolios and third-party research.

Robert Abraham is a financial advisor with LPL Financial in Rochester, MI, holding a Series 66 designation and 18 years of industry experience. He has previously worked at Sigma Financial Corporation, Spectrum Financial Resources, and United Planners' Financial Services. Outside of his advisory role, he operates an independent insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.