Christie Hecht is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. Prior to joining Schwab, she worked for nine years at Ultimate Kronos Group. Outside of her financial advisory role, she occasionally writes women's fiction books and other publications. Charles Schwab & Co., Inc. serves a large client base primarily comprised of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated advisory, brokerage, and custody services with a combination of non-discretionary guidance and access to affiliated discretionary investment options.

Richard Jackson is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors, LLC since 1999. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm leverages both proprietary and third-party advisory programs, offering a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Tack Yong Kim is affiliated with LPL Enterprise and holds a Series 66 designation. He has been with LPL Enterprise since 2025. Outside of his advisory role, he has been involved with DoDream Marketing since 2016, Mikom LLC since 2009, and The Michigan Korean Weekly since 2001. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by internal research and third-party strategists, and it offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Richard Noethen is a financial advisor at Wells Fargo Clearing with 53 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. Their advisory approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Paul Zarkowski is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2023 to 2024. In his current role, Paul assists clients in creating investment plans utilizing Fidelity's tools and resources to support their financial goals both today and in the future. He emphasizes integrity and a commitment to listening and understanding his clients' situations and investment needs. Paul's approach centers on providing personalized investment strategies tailored to individual client circumstances. His experience at Fidelity Investments has equipped him with knowledge in investment consulting and financial planning. Outside of his professional work, Paul enjoys attending concerts, playing golf, watching movies, and running.

Christopher Scupholm is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Rollins College and South High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that focuses on retirement income planning through written recommendations and ongoing advice. The firm's approach incorporates proprietary investment research, third-party data, and algorithmic tools, with distinct enrollment criteria and a product ecosystem influenced by affiliated fund relationships.

Charles Pierce Jr. is a financial advisor with Osaic Wealth, Inc. in Troy, Michigan, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He previously worked at Sagepoint Financial Advisors, Comerica Securities, KeyBanc Capital Markets, and Merrill. Outside of his primary role, he is involved with Midwest Financial Advisors and UHY Wealth Management, providing financial advisory and wealth management services. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of investment platforms and portfolio construction tools, supporting both discretionary and non-discretionary account management.

Sean Johnson is the Resident Director and Wealth Management Advisor at Merrill, where he provides financial guidance and wealth management strategies to high net worth individuals and organizations. He joined GSJ & Associates with Merrill in 2015 to enhance the services and strategies offered to clients, focusing on goals-based wealth management and strategic asset allocation. Sean holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Defiance College. Sean's client focus areas include college education planning, divorce transition planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Outside of his professional work, Sean is an Eagle Scout and values his role as a father and husband. His personal interests include camping, football, golfing, hiking, hunting, photography, singing, traveling, watching movies, and woodworking. He emphasizes a disciplined and personalized approach to financial planning, aiming to help clients build a roadmap to achieve their individual goals across different stages of life.

Andrew Spearman is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cetera Advisors LLC, SageView Advisory Group, and First Allied Securities. Outside of his advisory work, he serves as Treasurer of the Grosse Pointe Library Foundation and is a successor trustee of the Spearman Family Trust. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser that oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisors and a range of portfolio management strategies.

Rachel Maceri is a financial advisor with LPL Financial in Troy, MI, holding a Series 66 credential and nine years of industry experience. She has worked at several firms including Raymond James Financial Services and Mass Mutual Investors Services. Outside of finance, she is a substitute yoga instructor at Updog Yoga. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and technology to support advisors managing over $819 billion in discretionary assets.

Patrick Purczynski is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and having 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he is involved in managing his own business, PJP Ventures. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver customized, non-discretionary recommendations through a centralized consulting team.

Michael Pohlod Jr. is a CFP®-credentialed financial advisor with Ameriprise in Troy, MI, bringing 31 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of advising, he is involved in several business ventures including ownership in transportation and restaurant companies as well as real estate holdings. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, supported by centralized research and algorithmic tools, with recommendations implemented on a non-discretionary basis.

Matthew Ludlow is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving clients since 1997 and is a member of the Huntsman Ludlow Group, where he participates in the Wealth Management Strategy Committee and manages trading activities for the group. Mr. Ludlow’s expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Arts degree with a concentration in Economics from the University of Michigan-Ann Arbor. His professional credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation earned in 2004, as well as the Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), and Personal Investment Advisor (PIA) designations. Outside of his professional career, Matthew Ludlow resides in Grosse Pointe Woods with his wife and three children. He serves as the Den Leader for his youngest son’s Cub Scout Pack and enjoys hiking, yoga, and spending time with his family.

Bradford De Spelder serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces them to solutions offered through Merrill and Bank of America. His approach focuses on empowering clients with knowledge and tools to manage their financial lives effectively. Bradford holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Grand Valley State University. He emphasizes uncovering what matters to clients and their families to help create strategies aimed at pursuing their financial goals.

Andrew Crowther is a financial advisor with Ameriprise in Royal Oak, MI, holding a Series 66 designation and five years of industry experience. He has worked at Ameriprise since 2019 and previously at United Shore Financial Services from 2015 to 2019. Outside of his advisory role, Crowther serves on the Board of Directors for the Lake Shore Sail Club and teaches gymnastics at the Michigan Academy of Gymnastics. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm operates as a large institutional entity offering a broad range of advisory, brokerage, and insurance solutions.

Jason Norris is a Series 66 licensed financial advisor with 22 years of industry experience. He has worked at Prudential Insurance Company of America since 2004 and joined LPL Enterprise in 2024. 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 uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Alexander Garrett is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Voya Financial Advisors and Ohio National Financial Services. Garrett is also co-owner of Horizon Wealth Management, a financial services firm involved in insurance and investment services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Eryck Little is a financial advisor with Morgan Stanley in Troy, Michigan, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with specialized services such as private funds and structured-product activities.

Steven Ellsworth is a financial advisor with LPL Financial in Warren, MI, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior roles include positions at USAdvisors Wealth Management, Securities America Advisors, and Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kirk Ritchie is a financial advisor at LPL Financial with 34 years of industry experience. He has been with LPL Financial since 1998 and holds Series 63 and Series 65 designations. In addition to his advisory work, he is involved in tax preparation through US TAX Service. 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 other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.