Richard Maas is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and 27 years of industry experience. He has worked at LPL Financial since 2022 and previously spent over two decades with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. Maas is also involved with Berry & Maas Consulting, Inc., a business entity focused on tax and investment purposes, as well as Genesis Financial Partners and Maas & Associates Inc., which serve non-investment related functions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management options, including model portfolios, third-party subadvisors, and institutional platforms, supported by advanced operational tools and a wide network of investment adviser representatives.

Teddie Eisenberg is a CFP®-certified financial advisor with 13 years of industry experience, currently practicing at Wells Fargo Clearing since 2016. Based in Farmington Hills, MI, Eisenberg holds a Series 66 license and has spent a decade with Wells Fargo in advisory roles. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets through a network of more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Deron Hackney is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services from 2009 to 2021. Outside of his advisory role, Hackney serves as president of a condominium association in Traverse City, MI. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet specific net-worth criteria.

Pamela Leist is a financial advisor with Primerica Advisors in Farmington Hills, MI, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Her work history includes roles at Matheson Heating & Air Conditioning and Master Craft Carpets, Inc. Outside of financial advising, she is involved with Help Me Carry, LLC, providing firearms training in White Lake, MI. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers for portfolio implementation and operates a tiered wrap-fee structure.

Kazuma Bals is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked in mortgage lending at USA Mortgage and Highlands Residential Mortgage. He also has experience in educational roles at Northwood University and at the high school level. Fidelity’s Strategic Advisers LLC division offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it maintains a formal advisory role for multiple registered investment companies.

Charles Craves is a financial advisor with LPL Financial in Clarkston, MI, holding the Series 63 and Series 65 registrations and possessing 41 years of industry experience. His prior experience includes roles at Royal Alliance Associates, BBCM Financial Services, and VOYA Financial Advisors, Inc. Outside of his advisory work, he is involved in community theater as a part-time actor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with a focus on combining extensive resources and technology to support its network of over 22,800 advisors.

Timothy Bell is a financial advisor with Ameriprise in Farmington Hills, MI, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he owns an LLC related to office space leasing. Ameriprise offers retirement-income planning services targeted at high-net-worth individuals nearing or in retirement, combining research-driven modeling and tax-efficient strategies. The firm provides a broad array of advisory, brokerage, and insurance solutions through its large institutional platform.

Michael Ralston is a financial advisor at Fidelity with 30 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His career includes roles at Fidelity Brokerage Services LLC since 2008 and Fidelity Personal and Workplace Advisors from 2018 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Samantha Suhrcke is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work includes positions at JPMorgan Chase Bank, N.A., Morgan Stanley, and the United States Postal Service. She is also a member of the Country Club of Detroit. 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. Their advisory process combines quantitative and qualitative research and leverages broader derivatives and commodities capabilities.

Peter Nielsen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on working with high net worth families to manage wealth through strategies such as tax minimization, executive compensation, liquidity management, retirement income, and portfolio management services. With over 18 years of experience at Merrill Lynch, Peter provides direct oversight of his clients' portfolios without delegating to associates. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Peter graduated from Bloomfield Hills Andover High School. Outside of his professional work, Peter enjoys dancing, singing, and spending time with his family.

Donald Smeznik is a financial advisor at Ameriprise Financial Services with seven years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2016. In addition to his advisory role, he is involved with Furlotte Consulting Group LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary investment research and third-party data to provide tailored, tax-aware withdrawal strategies for clients approaching or in retirement.

Gabrielle Mccarthy is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 65 and Series 63 licenses and has worked at J.P. Morgan Securities since 2018. Her prior roles include positions at 105AD LLC and BDM Contractors, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through its broader affiliations.

Donald Nurkala III is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides investment planning and advice to corporate executives, entrepreneurs, and affluent families. Donald is a qualified Portfolio Manager who builds and manages personalized investment strategies, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He manages strategies on a discretionary basis through the firm's Investment Advisory Program when applicable. Donald joined Merrill Lynch in 2000. He holds a master's degree from Wayne State University and a bachelor's degree from Michigan Technological University. He is a Certified Financial Planner (CFP) and holds the Personal Investment Advisor (PIA) designation. In addition to his advisory role, he serves as a board member for the Huron Valley Chamber of Commerce and is a Graduate of Leadership Oakland.

Jameson Cavanaugh is a financial advisor with LPL Financial in Wixom, MI, holding a Series 66 credential and three years of industry experience. His work history includes roles at CFV & Associates, Plante Moran Trust Bank, and Friend & Associates. Outside of advisory work, he has involvement in tax preparation and accounting services. 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 broad range of advisory and brokerage services, including financial planning and access to various model portfolio and institutional platforms.

David Terrian is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 33 years of industry experience. His background includes long-term roles at PFS Investments Inc. and Primerica Financial Services, as well as experience outside finance working in healthcare and travel. He also serves as a Registered Nurse in the U.S. Army Reserves. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale with approximately 3,948 advisors and $15.5 billion in assets under management, delivering investment strategies primarily through model-driven recommendations.

Kelly Hart is a financial advisor at J.P. Morgan Securities with 10 years of industry experience and holds the Series 66 designation. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Outside of his advisory role, Hart is involved in animal photography and breeds one litter of puppies annually. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to develop customized asset allocation advice and performance reporting.

John Manwiller is a financial advisor at Edward Jones in Brighton, MI, holding a Series 66 designation with seven years of industry experience. He previously worked at Scottrade and has been with Edward Jones since 2017. Outside of his advisory role, Manwiller facilitates a team meeting biweekly for Caerusnet, a business development organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets, offering a range of advisory programs and affiliated investment products supported by a nationwide network of more than 23,700 financial advisors.

Nicholas Beilfuss is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at JPMorgan Securities LLC for four years. Outside of his advisory role, he recently wrote a children's book that he plans to publish. 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 a range of clients, including individuals, high-net-worth clients, and institutions.

Stacy Paulino is a financial advisor at Wells Fargo Clearing in St. Louis, MO, holding Series 63 and Series 65 credentials with 14 years of industry experience. She has worked at Wells Fargo Clearing since 2015, with a brief tenure at LPL Financial from 2021 to 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Brent Hemker is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Securities America Advisors, Inc. and Equitas America, LLC. Outside of his advisory role, Hemker volunteers on the Investment Committee for MyMichigan Health, a nonprofit medical system serving rural areas in Michigan. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing a range of programs and third-party money manager options.