Domenico Consiglio is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Securities America, Inc., Ohio National, and Cherokee Insurance. Consiglio is also a licensed life insurance agent, selling term and permanent policies. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios that may include a range of securities and alternative investments.

Dorina Ziba is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served in various capacities at Fidelity Investments, including Planning Consultant from 2023 to 2025, Investment Consultant from 2021 to 2022, and Financial Representative from 2020 to 2021. Before joining Fidelity, she worked as a Private Banker at Credit Union One from 2019 to 2020. In her work, Dorina focuses on understanding her clients' top priorities, preferences, and values to present options that align with their unique financial goals. She aims to ensure that each client gains clarity and confidence in their overall financial plan. Outside of her professional life, Dorina enjoys spending time at the beach, cooking and baking, engaging in fitness activities, and traveling.

Timothy Kopchick is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Cetera, he worked at Avantax Advisory Services and Avantax Insurance Agency. He is also the owner and sole proprietor of KCO Financial Services, which provides tax planning and preparation, and serves as president of Kopchick & Company, P.C., a CPA firm with a focus on small business accounting and tax. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform with discretionary and non-discretionary options.

Gerald Mckeon is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Raymond James since 2011. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutional and pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and model manager options.

Jennifer Nuechterlein is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2017. She has been with Fidelity Investments since 2007, progressing through various positions including Senior Relationship Manager, Financial Consultant, Investment Representative, Financial Representative, and Private Client Specialist. Prior to joining Fidelity, she worked as a Personal Banker at J.P. Morgan Chase Bank from 2005 to 2007 and held positions at American General Financial Services from 1998 to 2005. Jennifer's extensive experience spans wealth management, financial consulting, and client relationship management within the financial services industry. Her career reflects a consistent focus on providing clients with comprehensive financial support and navigating investment resources. Information regarding her education, credentials, personal interests, and community involvement has not been provided.

Alvin Semma is a financial advisor with Raymond James & Associates in Troy, MI, holding a Series 66 designation and 12 years of industry experience. He has been with Raymond James & Associates since 2015. 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 and investment consulting services through several specialized programs.

R. Kramer is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with LPL Financial since 2010. Kramer also runs Bruce Kramer Financial Services, an investment-related business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services with discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Corey Staub is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2021. He previously worked at Sigma Financial Corporation for 19 years and operates Staub Financial Services, which he founded in 1998. In addition to his advisory work, Staub is a licensed agent for fixed annuities and various insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including model portfolio management and retirement plan consulting, utilizing research from both internal and third-party sources.

James Taegel is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Cambridge in 2017, he worked at National Planning Corporation for five years. Taegel serves as chairman of the board of directors for The Financial Wellness Project. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, nonprofits, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management and model-based strategies.

Tia Wallington is a financial advisor at Ameriprise with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2015. Outside of her advisory role, she manages a rental property business. 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 provide non-discretionary, written recommendation reports.

Elena Ajluni is an Investment Consultant at Fidelity Investments, where she supports clients and their families throughout their financial planning journey. She collaborates with clients to establish and evaluate long-term personal and investment goals, ensuring alignment with their specific needs and retirement aspirations. Elena began her role at Fidelity Investments in 2024. Her professional focus includes providing personalized guidance to help clients feel confident with their investment planning. Outside of her professional work, Elena enjoys cooking and baking, participating in family activities, fitness, exploring food as a foodie, attending social events with friends, and reading.

Vincenzo Russo is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, he provides personalized guidance to clients, focusing on building trust and helping them pursue their financial goals through strategic planning. His services include retirement planning, investment guidance, asset consolidation strategies, and supporting clients in navigating financial decisions. He holds a Bachelor's Degree from Michigan State University and has earned the Personal Investment Advisor (PIA) designation. Vincenzo's approach emphasizes understanding clients' priorities and simplifying complex financial concepts into actionable plans. Outside of his professional work, Vincenzo's interests include basketball, boating, bowling, pickleball, and running.

Ronald Cramer is a financial advisor at LPL Financial in Troy, MI, holding the CFP® and Series 63 designations with 24 years of industry experience. His prior roles include positions at Financial Services Group of Michigan, Inc. and LPL Financial LLC, where he has worked since 1995. 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 advisers. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management supported by research from various sources.

Christopher Marchand is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates, Inc. 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 government entities, offering financial planning and investment consulting through various programs and affiliated research resources.

Mikaila Mc Carthy is a financial advisor at Ameriprise Financial Services, LLC with six years of industry experience. She holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Blumark Financial Advisors. Outside of her advisory role, she is involved in independent insurance brokering, specializing in disability income. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling techniques with algorithmic automation to deliver personalized, non-discretionary retirement advice.

Michael Burkhardt is a financial advisor with Merrill in Shelby Township, MI, holding Series 63, 65, and 66 licenses and possessing 35 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999 and also works with Bank of America, NA since 2009. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robt Lineberger is a financial advisor with Equitable Advisors, holding a Series 66 credential and six years of industry experience. His prior experience includes roles at Jackson National, Penske Automotive, and Michigan State University. He also serves as an assistant baseball coach for South Oakland A's Baseball, working with 9-year-olds on a volunteer basis. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, leveraging LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Martin Harban is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience working with employees and business owners, focusing primarily on retirement planning. Martin advises clients across various areas including divorce transition planning, services for defined benefit plans, investment consulting for defined contribution plans, employee financial health, personal retirement planning, portfolio management services, small business strategies, and retirement income. Throughout his career, Martin has engaged with thousands of individuals to discuss financial topics and develop personalized savings plans. He emphasizes a one-on-one approach to create financial strategies tailored to each client's unique goals. His expertise encompasses money management, stocks, bonds, annuities, and 401(k) plans, with a focus on helping clients understand how these elements integrate within the broader market and economy. Martin holds a Bachelor's Degree from Drake University and has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He also participates in community activities and dedicates time to volunteering. Outside of his professional work, Martin enjoys fishing, football, reading, running, and spending time with his family.

Scott Schropp is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. He has been with Merrill since 2000 and concurrently with Bank of America, N.A. since 2011. Outside of his advisory role, Schropp is involved with the Schropp Family Fund, a donor-advised charitable organization affiliated with the Saginaw Community Foundation. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Jill Governale is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party managers and supports trading, account administration, and custody.