Andrew Covic is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at LPL Financial since 2025 and concurrently serves Christian Financial Credit Union, among other prior roles in financial services and related fields. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

James Stiekes is a financial advisor with Primerica Advisors in Clinton Township, MI, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has been affiliated with Primerica Advisors since 1983 and with Primerica Financial Services since 1991. Stiekes has also been involved with Pfs University since 2006. Outside of his advisory work, he is associated with Faith Baptist Church of Warren. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Kasey George is a CFP® professional with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. Prior to joining Cambridge in 2023, George spent six years at Lincoln Investment and seven years at Legend Equities Corporation. Outside of advising, George is involved as an independent insurance agent with various agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing proprietary and third-party investment strategies across multiple platform arrangements.

Gerald Shiner is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and possessing 38 years of industry experience. He has previously worked at SagePoint Financial and Principal Financial Services. In addition to his advisory role, he serves as Director of Retirement Services for Michigan Planners, consulting on employee benefit plans including health, disability, and non-registered retirement offerings. Osaic Wealth, Inc. serves a diverse client base ranging from individuals to institutional investors, providing integrated brokerage and advisory services through multiple platforms and employing a variety of investment tools and third-party solutions.

Nicholas Fabiano is a financial advisor with LPL Enterprise, holding a Series 66 license and beginning his advisory career in 2025. His prior work includes roles at Seamless AI, Rehmann, and Fabiano Brothers Inc., as well as positions in education at Indiana University and local schools. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm primarily employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Annmarie Mikolajczak is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 41 years of industry experience. She has been with LPL Financial and its predecessor entities since 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by technology tools for advisors.

Austin Liedel is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior work includes roles at Michigan State University and Herbert Financial Group. LPL Enterprise provides investment advisory and brokerage services to a broad client base including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers additional services such as financial planning, access to third-party asset managers, and affiliated trust and insurance products.

John Krakowiak is a financial advisor with Morgan Stanley in Troy, MI, holding Series 65 and Series 66 licenses and having 12 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support its clients.

Laurence Golden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for his mother’s investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Timothy Lenhard is a Series 63-credentialed financial advisor with LPL Financial, where he has worked since 1997, bringing 34 years of industry experience. He is based in Grosse Pointe Woods, MI. Outside of his advisory role, he is involved in a family investment entity that owns a hospitality business and works as a sales representative for Zapp Charging. 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, and institutional platforms, supported by technology-enhanced operational tools.

Gregory Gilbert is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Renata Ramos is a financial advisor at LPL Enterprise in Troy, MI, holding a Series 66 designation with two years of industry experience. Her prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. She also has experience with the University of Michigan School of Social Work and served at the First Presbyterian Church of Birmingham. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm utilizes model-driven investment approaches and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Panagiotis Gargasoulas is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads the Pollard Gargasoulas Group, which advises business owners and families by delivering customized investment portfolios and wealth management strategies tailored to each client's unique needs. With a demonstrated history in the financial services industry, Panagiotis and his team focus on areas such as family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. His professional credentials include CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Michigan State University. Outside of his professional role, Panagiotis serves as the Treasurer for the Grosse Pointe Artists Association and is involved in community activities including the Grosse Pointe Artists Association and the Grosse Pointe Farms / City Little League Baseball. His personal interests include baseball, basketball, boating, football, horseback riding, soccer, and spending time with his family.

Wayne Phillips is a financial advisor with Ameriprise in Detroit, MI, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Phillips serves on several nonprofit boards, including the MCOD Scholarship Foundation and the Omega Historic Preservation Foundation. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

David Graham is a CFP®-designated financial advisor with 14 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held roles at Fifth Third Securities, Habitat for Humanity, and Spaulding for Children. Outside of his advisory work, he is a co-owner of Prolific Life Properties LLC, a real estate rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors.

Brianna Bowman is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of experience in the industry. Prior to her current role, she has worked in various positions primarily within the hospitality sector. Outside of finance, she has been involved with several restaurant and service businesses. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, third-party asset management access, and insurance product facilitation.

Chris Demasse is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association from 2009 to 2024. 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 annual retirement-income planning, focusing on dependable income sources and tax-aware withdrawal strategies.

Naomi Stiekes is a financial advisor at Primerica Advisors with over 43 years of industry experience. She has been with Primerica Advisors since 1982 and holds Series 63 and Series 65 designations. Outside of advisory services, she is involved in sales of investment-related products and participates in referrals for home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its advisory services.

Joel Atallah is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His work history includes roles at Fidelity Investments, Equitable Advisors, and several other firms spanning legal, academic, and counseling sectors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its registration with the CFTC as a commodity pool operator, advisory roles to multiple registered investment companies, and the use of AI and algorithmic methods in its investment process.

Jack Jerzewski is a financial advisor at LPL Enterprise with five years of industry experience. He has held positions at NYLife Securities LLC and New York Life, among others. Jerzewski serves as President of the National Association of Insurance and Financial Advisors, a nonprofit board role. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it offers a broad range of financial planning and insurance products through affiliated entities.