Norman Seibold is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 15 years of industry experience. Prior to joining LPL in 2024, he worked at Cetera and CETERA Advisor Networks LLC for over a decade. Seibold is also involved in legal services as an attorney with Willenbrecht Legal Services, PLLC. 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 portfolios, third-party asset management, and institutional platforms.

Betsy Boyd is a financial advisor at OSAIC with 34 years of industry experience. She holds Series 63 and Series 65 designations and has worked at OSAIC since 2023. Prior to this, she held roles at Fsc Securities Corporation and Woodworth Financial. Boyd also operates Boyd Investment Services as a marketing name for her advisory duties. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach and supports various strategies, including discretionary and advisor-managed portfolios, with access to third-party managers and alternative investments.

Lisa McGrath is a financial advisor with LPL Financial, holding a Series 63 designation and 26 years of industry experience. She has been with LPL Financial since 2009 and previously worked at the Center For Wealth Planning, Inc. for 12 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a broad network of investment adviser representatives.

Kyle Johnson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Team Fioroni at Merrill in 2015 after graduating from Central Michigan University with a Bachelor of Science degree in Personal Financial Planning. Kyle holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kyle’s expertise spans executive compensation, family wealth management strategies, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, small business strategies, and special needs planning. As a CERTIFIED FINANCIAL PLANNER™, he is dedicated to providing clear, practical financial guidance to help clients build security and confidently navigate complex financial decisions. Prior to joining Merrill, Kyle gained industry experience as an Associate Financial Representative at Northwestern Mutual and co-founded the Future Financial Advisors Association at Central Michigan University. In addition to his professional work, Kyle is actively involved in his community. He is a board member at the Meadowbrook Center for Learning Differences and has served as a presidential nominee for the Rochester Rotary Club. Outside of work, he enjoys biking, skiing, soccer, swimming, watching movies, and spending time with his family.

Robert Kashat is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and three years of industry experience. His prior work includes positions at Caliber Home Loans and United Shore Mortgage. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to develop model asset allocations and incorporates derivatives and commodities capabilities uncommon among similar institutional programs.

Nicholas Fioroni is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with executives, entrepreneurs, and multigenerational families to help simplify financial decisions, focusing on areas such as family wealth management strategies, services for defined benefit plans, managing new wealth, and socially responsible, values-based, and ESG investing. At Merrill, Nicholas is part of a team dedicated to comprehensive wealth management, involved in retirement planning, business transitions, legacy strategies, and complex lending. Nicholas began his career in financial advising in 2013 at Merrill. Before joining his current team, he held positions as a project coordinator and quality engineer at Caterpillar. He earned a Bachelor of Science degree in Mechanical Engineering from Kettering University. His professional credentials include the designations of Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Nicholas enjoys adventure sports such as skydiving, mountain biking, white water rafting, and playing organized sports. He also engages in activities like biking, cooking, hiking, skiing, traveling, and woodworking.

Mark Kirchner is a financial advisor with Ameriprise in Clarkston, MI, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Ameriprise since 2017 and previously at UBS Financial Services from 2012 to 2017. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations through a centralized consulting team.

James Edelmann is a CFA® charterholder and holds the Series 66 license, with 16 years of industry experience. He is currently an advisor at LPL Financial, having joined in 2024. His prior experience includes roles at Securities America Advisors, Halo Securities, Regal Investment Advisors, Regulus Financial Group, Incapital, Valic Financial Advisors, and Natcity Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a broad range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, utilizing both proprietary and third-party strategies with support from advanced operational and research tools.

Colleen Schueneman is a financial advisor with OSAIC in Troy, MI, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has previously worked at National Life Group, Equity Services, Inc., and MassMutual Life Insurance Company. Schueneman serves as an executive board member of the RAGS Remembered Foundation, participating in board meetings and community events. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment process relies on model-based asset allocation and portfolio optimization, supported by various tools and discretionary strategies, and is notable for its scale, complex affiliate network, and recent consolidation activity.

Eoin Walsh is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary advisory program.

Joseph Creal is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he serves on the board of directors for Pine Lake Country Club and is involved in group health and benefit sales as an agent. Equitable Advisors serves a diverse client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management services. The firm delivers advice through a network of Investment Adviser Representatives and employs both in-house and third-party asset management programs tailored to client needs.

Christian Thomas is a financial advisor at Ameriprise based in Troy, MI, holding a Series 66 designation with one year of industry experience. His prior experience includes roles at Raymond James & Associates and various positions outside the financial sector, including in rehabilitation and hospitality, alongside periods of full-time education. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, utilizing a centralized consulting team to deliver tailored, research-driven recommendations that incorporate tax-efficiency and income strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Tina Nguyen is a financial advisor at Ameriprise with four years of industry experience. She holds the Series 66 designation and previously worked at UBS and operated Lexi Spa before joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving 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.

Jason Murphy is a Series 66 licensed financial advisor with 24 years of industry experience. He has worked at LPL Financial since 2016, previously holding positions at Shield Financial Group, J.P. Morgan Securities, Chase Investment Services Corp., and Citizens Securities. Outside of his advisory role, Murphy is involved in an exclusive insurance brokerage focusing on fixed insurance and long-term care. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and third-party asset management, while supporting advisors with advanced operational and research tools.

Christopher Hines is a financial advisor with Edward Jones in Shelby Township, MI, holding a Series 66 designation and 11 years of industry experience, all with Edward Jones since 2015. He serves as president and director of The Cassie Hines Shoes Cancer Foundation, overseeing board activities and co-chairing fundraising events. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management supported by a large advisor and branch network.

Bachira Murray is a financial advisor with J.P. Morgan Securities holding a Series 66 credential and six years of industry experience. She has worked at J.P. Morgan Securities since 2020 and Jpmorgan Chase Bank since 2019. Outside of her advisory role, she is a partner in a catering business and co-owns a residential rental property listed on Airbnb. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process integrates both quantitative and qualitative research, with an emphasis on model asset allocations and an ESG eligibility framework.

Matthew Gross is a financial advisor at LPL Financial in Rochester, MI, with four years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Mt. Chalet. Gross is also involved with AQuest Wealth Strategies as an investment representative. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Nathan Szenay is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Raymond James and Morgan Stanley Smith Barney in various capacities since 2015. 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 clients. The firm offers tailored non-discretionary planning and consulting services supported by analytical tools and maintains a notable affiliation with a municipal advisor, enhancing its municipal and public-finance offerings.

Logan Oates is a financial advisor with Morgan Stanley in Rochester, MI, holding a Series 66 designation and two years of industry experience. He has been with Morgan Stanley since 2021. Outside of his advisory role, he is involved as a sales and marketing contractor for an online retail business on Etsy, Inc. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in assets and offers comprehensive investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Beth Decker is a financial advisor at Raymond James Financial with 18 years of industry experience. She holds the ChFC® and Series 66 designations. Her prior work includes roles at Merrill Lynch, Pierce, Fenner & Smith Inc., The Huntington Investment Company, and Trustee Empowerment & Protection, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, while maintaining specialized municipal advisory and SIMPLE IRA employer consulting programs.