Jeremy Fick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the Kulhavi Team in 2014 to assist with client management and portfolio construction. Jeremy has been with Merrill for 18 years. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Jeremy holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a Bachelor's degree from Oakland University. Prior to his financial advisory career, Jeremy served with the Army National Guard for over ten years and participated in two overseas deployments in support of Operation Iraqi Freedom. He resides in Rochester Hills, Michigan with his wife, Autumn, and their two children.

Gregory Kendzicky is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2025, he worked at TFO Wealth Partners and has held various roles outside the financial sector, including positions at Hungry Howies and teaching roles at Hillsdale College and Madonna University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Christopher Durden is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2014, based in Farmington Hills, MI. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, with support for trading, administration, and custody.

David Smith is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Primerica Financial Services since 2002 and Primerica Advisors since 2004. From 2018 to 2023, he was involved with Akillez Marketing Corp. Outside of advising, he engages in the sale of home security and automation products through part-time referrals for affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-delivery strategies developed by third-party asset managers. The firm operates at scale with thousands of advisors and offices, offering portfolio options that include strategic, tactical, tax-managed, and income-distribution models.

John Pettifurd is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans aimed at achieving their financial goals. He has held this role since 2025 and has been with Fidelity Investments since 2023, progressing through positions including Planning Consultant and Financial Representative. Prior to joining Fidelity Investments, John gained experience as a Relationship Banker at J.P. Morgan Securities LLC from 2019 to 2023, and as a Personal Banker at JPMorgan Chase Bank N.A. from 2018 to 2019. His background spans various aspects of financial services, contributing to his expertise in client relationship management and financial planning. Outside of his professional work, John has interests that include the beach, football, lakes, parenthood, pets, and traveling.

Stephen Kucharski is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at TD Ameritrade, TD Ameritrade Investment Management, LLC, and SCOTTRADE, Inc. He serves as an elder at First Presbyterian Church in Royal Oak. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Sandeep Sidhu is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and four years of industry experience. Prior to joining Merrill and Bank of America N.A. in 2022, he worked at Certus X Partners for five years and Eaton Corporation for ten years. He maintains a passive advisory role as a director at Certus X Partners LLC. 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 both model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Neil Bitzer is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at LPL Financial since 2020. Prior to this, he spent 15 years at Royal Alliance Associates, Inc., and has maintained the Professional Affiliation Program since 2002. Bitzer also operates BBCM Financial Services, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement consulting, and model portfolio management, with both discretionary and non-discretionary options available.

Karen May is a financial advisor with Mass Mutual Investors Services in Clarkston, MI, holding Series 63 and Series 65 licenses and having 14 years of industry experience. She has worked at Mass Mutual Investors Services since 2011 and has been associated with MassMutual Life Insurance Company since 2010. In addition to her advisory role, she is a licensed health and life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative, software-driven planning process and offers a range of programs including estate-settlement and employer-sponsored planning.

Adam Coselmon is a financial advisor at Raymond James & Associates with 26 years of industry experience and holds a Series 66 designation. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a partner in Horizon Group of Fenton LLC, a business in which he participates in decision-making. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

David Engstrom is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has held prior positions at Fifth Third Bank, Cetera, and LPL Financial. Engstrom is currently based in Novi, Michigan. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options with multi-asset model portfolios and centralized operational support.

Michael Mercer is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012. 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, and various institutional investors.

Mark Dickinson is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America N.A. since 2014. 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 strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kimberly Ybarra is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 25 years of industry experience. She worked at Merrill Lynch for 22 years before joining Raymond James, where she has been since 2022. 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, institutional investors, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions through various portfolio management styles and affiliated research.

Nathan Barbieri is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors, LLC and other firms. Outside of his advisory role, he is a partner in Cheers Lapeer Bar in Lapeer, Michigan. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investments.

Vianna Burns is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. She has worked within JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Grant Sutter is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2022. Prior to this role, he has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Hillary Ziemba is a Planning Consultant at Fidelity Investments, a position she has held since 2026. In this role, she works closely with clients and Financial Consultants to develop personalized financial strategies that align with clients' specific goals and needs. Hillary's experience at Fidelity Investments spans multiple roles, including Relationship Manager from 2024 to 2026, Financial Representative from 2023 to 2024, and Investor Center Intern in 2022. Through these positions, she has developed a comprehensive understanding of client relationship management and financial planning processes.

Michael Hudzik is a financial advisor with Raymond James & Associates in Novi, Michigan, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior experience includes roles at Bank of America and Merrill. Outside of his advisory work, he serves as a director for the Michigan Council on Economic Education, contributing to efforts to educate teachers about economic systems and participating in organizational fundraising. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles, firm research, and affiliated sub-advisers.

Mark Holowicki is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. Since beginning his career in 1988, he has guided affluent families, professionals, and business owners through multiple market cycles by delivering personalized, goals-based wealth management strategies. Mark collaborates closely with clients to define their financial priorities and creates tailored plans that address their unique circumstances and stages of life. His areas of focus include college education planning, executive compensation, family wealth management, employee financial health, LGBT wealth planning, liquidity management, managing new wealth, and personal retirement planning. Mark holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Western Michigan University and a Master's Degree from Wayne State University. Outside of his professional work, Mark is involved with community organizations such as the Salvation Army, Purple Heart, United Way, Detroit Catholic Central, and the Boys and Girls Clubs of Southeast Michigan. His personal interests include biking, golfing, and yoga.