Nathaniel Michna is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he focuses on helping families grow their net worth and achieve their financial goals by creating personalized strategies tailored to each client’s unique situation. Nathaniel draws on his background in financial planning, insurance, and tax planning to assemble comprehensive financial plans that address a wide range of client priorities. Nathaniel began his financial services career in 2018 as a Planning Analyst, gaining hands-on experience in constructing financial plans that support families' long-term objectives. Over time, he expanded his expertise to include executive compensation, family wealth management strategies, liquidity management, retirement income, and tax minimization, among other areas. Nathaniel holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Wayne State University. Outside of his professional work, Nathaniel is involved with the Ann Arbor Soccer Association. His personal interests include adventure sports, basketball, camping, football, golfing, hiking, pickleball, soccer, spending time with family, and traveling.

Kenneth Jackson is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Curt Happold is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014 and also owns Happold Enterprises, Inc, operating as an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plan sponsors, and charitable organizations, offering financial planning, investment management, and retirement plan advisory through a network of independent professionals. The firm provides various portfolio management options and employs both proprietary and third-party strategies tailored to client objectives.

Paul Vandenheede is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2010 and holds Series 63 and Series 65 licenses. He is the executive director of the Vandenheede Foundation, a family foundation that funds religious and educational organizations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Angela Bourgeois is a financial advisor with Raymond James & Associates in Ann Arbor, MI. She holds Series 63, 65, and 66 licenses and has 26 years of experience in the industry. Her prior work includes roles at Parkland Securities and Sigma Financial Corporation. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Frederick Atiyeh is a CFP®-designated financial advisor with 47 years of industry experience, currently serving with LPL Financial since 2024. His prior roles include long tenures at Crown Capital Securities, L.P., and Legacy Investment Strategies, LLC. He also holds a public notary commission. 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 solutions delivered through a large network of advisors using various models and strategies.

Erin Chevrette is a financial advisor with Edward Jones in Northville, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, she worked for General Motors from 2009 to 2023. 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 through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Margaret Moore is a CFP® with 35 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, she worked at Wells Fargo Advisors LLC for seven years. Outside of her advisory role, she is co-owner of a marina property in Montague, Michigan. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kimberly Gagne is a financial advisor affiliated with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and with 12 years of industry experience. She has worked at Raymond James since 2016 and has also held roles at New World Financial and Center Street Wealth Strategies. Outside of advisory work, she serves as an independent contractor providing client service and paraplanning support at New World Financial. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports implementation through its advisory programs or other providers.

Matthew O'Brien is a financial advisor with Edward Jones in Farmington, MI, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2022, he worked at MacLean Fogg and Master Automatic. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and is notable for its extensive network of financial advisors and branch offices.

Joshua Periord is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary advice and emphasizes the use of affiliated investment products.

Adam Szerlag is a Planning Consultant who helps clients understand their finances and make educated financial decisions about their future. He has held various roles at Fidelity Investments, including Investment Consultant from 2025 to 2026, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. His professional experience spans multiple aspects of financial advising and client relationship management. Adam's personal interests include baseball, fitness, football, golf, outdoor adventures, and traveling.

Andrew Adado is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank since 2021. Outside of finance, he serves as a registered official for the Michigan High School Athletic Association, officiating high school football and basketball games. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment recommendations and access to discretionary separately managed accounts. The firm’s integrated platform includes advisory, brokerage, custody, and cash-sweep services, supported by centralized operations and a formal alternative-investment review process.

Luke Panning is a CFP®-designated financial advisor with 12 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones and Arcadia Capital. Outside of his advisory role, he serves on the finance and investment committee of the Holland Symphony Orchestra and is an active freelance musician and recording artist. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports clients through a large network of affiliated advisors.

Rachel Freyre is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at several firms including Wells Fargo Bank and Key Bank prior to joining J.P. Morgan. Outside of her advisory role, she has been involved in property management as an owner of a rental property. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Ethan Warren is a financial advisor at Robert W. Baird & Co. with nine years of industry experience. He holds a Series 66 designation and has worked at Robert W. Baird & Co. since 2018, following positions at Wells Fargo, Action Packaging, and Enterprise Rent A Car. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody and brokerage services, utilizing a mix of separately managed account strategies and internal research tools.

Bruce Dunbar is a financial advisor with Raymond James Financial Services Advisors, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Raymond James since 2003. Outside his advisory role, he is president of Legacy Financial, his operating company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and maintains a notable affiliation with a municipal advisor to support its public finance work.

Sara Wohl is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been involved in the financial services industry since 2005 and joined Merrill in 2011. Sara focuses on helping high net worth families, executives, and business owners from diverse industries to develop and implement personalized financial plans to preserve and grow wealth. Her team works to relieve the stress of managing financial life so families can concentrate on their priorities. She has a particular focus on assisting women through life transitions such as business sales, career changes, divorce, or the death of a loved one. Sara holds a Bachelor's degree from the University of Michigan Ross School of Business, an MBA, and a Master of Science in Finance from Walsh College. She holds several professional designations including CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor™, Certified Divorce Financial Analyst®, Chartered Advisor in Philanthropy®, and Certified Sustainable Responsible and Impact Investment Counselor™. Throughout her career, Sara has been recognized by industry publications, including appearing on Working Mother/SHOOK Research’s "Top Wealth Advisor Moms" list in 2021 and Forbes' "Top Women Wealth Advisors - Best in State" lists in 2021 and 2025. Sara resides in Ann Arbor, Michigan with her husband and three children. She and her family enjoy sports, travel, and are active in their local community. She is involved with organizations such as the Community Action Network, Food Gatherers, and Michigan Foster Care Closet. Sara's personal interests include adventure sports such as boating, camping, fishing, golfing, hiking, rock climbing, and traveling.

Victor Harris is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and has previously worked at Sigma Financial Corp and NYLIFE Securities LLC. Outside of financial services, he was involved with Aqua Tots Swim Schools for four years. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and has over 10,000 advisors managing more than $256 billion in assets.

Thomas Valade III is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Orchards Architectural Review Committee, a neighborhood committee that reviews exterior modification plans. 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 retirement-income recommendation reports and ongoing planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.