Jennifer Pirret is a financial advisor at LPL Financial with 10 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Cetera and Genisys Credit Union, where she has been involved for over 20 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing a variety of investment strategies and technology solutions.

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.

Stephen Niezgoda is a financial advisor with Cambridge Investment Research Advisors in Rochester, MI, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at LPL Financial from 2010 to 2018 and has been with Cambridge since 2018. Outside of his advisory role, he is an independent insurance agent and serves as president of Summit Wealth Management Inc. Cambridge Investment Research Advisors is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of investment platforms and proprietary as well as third-party model strategies.

David Bond is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Woodbury Financial Services, Inc. for 13 years. Bond is also vice president of Wiklund & Bond Financial Services, an S-Corp he co-owns, which provides group benefits such as health, dental, life, and disability insurance. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, retirement consulting, and managed account solutions combining proprietary tools and third-party money managers.

Gary Gilgen is a CFP®-designated financial advisor with 39 years of industry experience. He currently works at LPL Financial and has held previous roles at Royal Alliance Associates, Rehmann Financial Network, and the Advisor Group. Outside of his advisory work, he serves as president of Lutheran Advisor Group, Inc., a property management business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and technology-driven strategies.

Steven Mc Grath is a financial advisor with Edward Jones in Rochester, MI, holding a Series 66 designation and five years of industry experience. His career includes multiple tenures at Edward Jones and Woodland Direct Inc. He serves as Secretary and Board Member for the Great Pines Estates Association in Oxford, MI, where he records meeting minutes. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Paul Stephens is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with LPL Financial since 2013 and concurrently provides consulting services through Institutional Investment Consulting (IIC), an independent registered investment advisor he founded in 2013. LPL Financial is a national 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 supported by model portfolios, research, and technology-driven strategies.

Marc Powers is a financial advisor with Raymond James Financial in Oxford, MI, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked with Raymond James Financial Services, Inc. since 1997 and has been involved in real estate since 2011. 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, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through its affiliation with a municipal advisor.

Rachel Lawson is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity entities since 2014. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and systematic methodologies, and it serves as an adviser to multiple registered investment companies and fund-of-funds.

Krystal Burns is a financial advisor with Merrill in Auburn Hills, MI, holding a Series 66 designation and 15 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013 and affiliated with Bank of America since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Valentine Koch is a CFP® professional with six years of industry experience, currently affiliated with Morgan Stanley in Rochester, MI. His prior experience includes roles at Raymond James & Associates Inc. and the University of Michigan Ross School of Business. Morgan Stanley Wealth Management serves individual and institutional clients by providing comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and integrates broad investment offerings through its Financial Advisors and Estate Planning Strategies Group.

James Mclellan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 45 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Cetera Advisors LLC from 2014 to 2020. He is also president of Silverbell Group, a financial services business through which he manages business expenses and staff. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered in collaboration with advisors like Mclellan.

Jeffrey Williams is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He specializes in assisting retirees and small business owners with their financial goals, focusing on areas such as divorce transition planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. Jeff holds a Bachelor's degree in Finance from Michigan State University and a Master's degree from the University of Detroit Mercy. He has been registered in the financial services industry since 1986 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional duties, Jeff is actively involved in his community through participation in the Greater Flint Sunrise Rotary and coaching youth baseball, basketball, and flag football with the Lake Orion Dragons. He lives in Lake Orion, Michigan with his wife Christine and has interests in baseball, basketball, fishing, football, and traveling.

Iuliana Keyes is a financial advisor with OSAIC in Troy, MI, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked at OSAIC since 2009 and is also affiliated with Vim Capital and Thomas Financial Group. Keyes serves on the board of FernCare Free Clinic, a nonprofit providing free healthcare to uninsured individuals. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of advisers and advisory platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to build diversified portfolios with various investment vehicles, offering both discretionary and non-discretionary management options.

Andrew Goodrich is a financial advisor with LPL Financial based in Rochester, MI. He holds a Series 66 designation and has recently started his advisor career. Prior to joining LPL Financial, he was involved with the University of Michigan Football program and attended the University of Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a variety of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

Timothy Curry is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. He has been affiliated with Bank of America and Merrill since 2010. Outside of his advisory role, he works as an independent delivery driver for companies including Shipt, Inc. and Door Dash Inc. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chase Clark is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked at Bank of America, Merrill, LPL Financial, and other financial institutions since 2020. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. 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 and investment management capabilities.

Richard Boschert is a Series 66-credentialed financial advisor with 15 years of industry experience, currently with Ameriprise in Troy, MI. His prior roles include positions at Concorde Asset Management, Concorde Investment Services, and L.M. Kohn & Company. Outside of financial services, he is the master partner of an asphalt repair and maintenance business. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice based on proprietary research and third-party data.