Mark Ducharme is a financial advisor with Cetera in Troy, MI, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Cetera and Cetera Wealth Services since 2025 and concurrently works with Innovative Financial Inc, where he serves as a financial professional and tax preparer. Ducharme is also president of Ducharme Financial Services Inc, an entity established for income tax purposes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers through a multi-manager platform with a variety of program structures and custodial relationships.

Michael Justin is a CFP® professional with 26 years of experience in the financial services industry. He has been with LPL Financial since 2009. He operates a DBA under the name Stratmore Financial Group in Troy, MI. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Sean Lehman is a financial advisor with Charles Schwab & Co., Inc. in Detroit, Michigan, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Schwab in 2023, he worked in various roles including at Griffin Claw Brewing Company and the United States Postal Service. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 employs a primarily non-discretionary client relationship model complemented by access to discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Jordan Hewitt is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Hewitt worked at PwC Consulting Australia for four years and held roles at the Department of Treasury and Finance in South Australia as well as the University of Michigan. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process involves structured discovery conversations and firm-approved tools to model outcomes without offering individual security recommendations in standalone plans.

Nicole Braidwood is a financial advisor with Morgan Stanley in Troy, MI, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and modeling techniques, offering a wide array of investment and financial services.

George Alami is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise, he worked at Wipfli LLP and Verbio North America. Outside of finance, he is involved with Noho Hospitality, a hospitality business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolio programs, third-party asset management, and a range of brokerage and insurance products.

Jamie Gibson is a CFP® professional with 30 years of industry experience, currently advising at Raymond James Financial in Troy, MI. He is owner and CEO of several businesses including 401MAX, Inc. and Gibson & Company, Inc., and also provides paralegal services focused on estate planning. Gibson’s background includes roles at multiple related entities since 2016. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and provides specialized municipal and employer advisory services.

Michael Maher is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 credentials and 17 years of industry experience. He previously worked at Signator Investors, Inc. and has operated Maher Asset Management and Maher Corporation since 2015 and 2008, respectively. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management alongside research from LPL Research and third-party subadvisors.

Renate Nebel Bernard is a financial advisor at Cetera with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Cetera Advisors LLC since 2013. In addition to her advisory work, she owns and manages 4 B Pretzels LLC, a wholesale and retail pretzel business. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with diverse investment strategies, portfolio management options, and financial planning services through a nationwide network of independent advisors.

Julius Porter is a financial advisor at Cetera with 12 years of industry experience. He holds the Series 66 designation and has held roles at Avantax, Edward Jones, and Ohio National Life Insurance Company, among others. Porter also provides tax preparation and accounting services through his own firm, J.R. Financial Services LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Iuliana Keyes is a financial advisor with OSAIC in Troy, MI, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked at OSAIC since 2009 and is also affiliated with Vim Capital and Thomas Financial Group. Keyes serves on the board of FernCare Free Clinic, a nonprofit providing free healthcare to uninsured individuals. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of advisers and advisory platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to build diversified portfolios with various investment vehicles, offering both discretionary and non-discretionary management options.

Alvin Hayes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank since 2012 and J.P. Morgan Securities since 2017. Prior to his financial services career, he worked at Colling Homes Inc. for eleven years. J.P. Morgan Securities LLC 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 when recommending investment strategies.

Michelle Harm is a financial advisor with LPL Enterprise, based in Troy, MI, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. Her prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, Hornor, Townsend & Kent, Inc, and Penn Mutual Life Insurance Company. She serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm integrates advisory services with brokerage and insurance products through its platform and supports lending programs such as LPL’s collateralized lending initiative.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

Lyle Schonberger is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. His prior experience includes over 15 years with Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business focused on non-investment-related estate planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and advanced technologies across discretionary and non-discretionary management.

Timothy Daly is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his financial career, he has been involved with Saginaw Valley Sports Performance, LLC for over 20 years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Louis Messina is a financial advisor with Cetera who holds the CFP® designation and Series 65 and 63 licenses, with nine years of industry experience. He has worked at Cetera since 2021 and previously held roles at Voya Financial Advisors and Baron Wealth Management. Outside of his advisory work, Messina is involved in educational content development through Horizon Adviser University and owns Messina Financial Group LLC, which provides expense management and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Richard Boschert is a Series 66-credentialed financial advisor with 15 years of industry experience, currently with Ameriprise in Troy, MI. His prior roles include positions at Concorde Asset Management, Concorde Investment Services, and L.M. Kohn & Company. Outside of financial services, he is the master partner of an asphalt repair and maintenance business. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice based on proprietary research and third-party data.

Jennifer Rohde is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on guiding individuals and families through various stages of their financial journey, including building savings, preparing for retirement, and preserving wealth for future generations. Jennifer offers personalized planning that helps clients understand market activity, macroeconomic factors, and financial products to develop long-term financial strategies. Her approach combines practical experience with the resources available at Merrill Lynch to provide clear and actionable advice. Jennifer prioritizes strong relationships with her clients through active listening and regular communication, aiming to help them feel informed and supported in their financial decisions. She holds the designation of Personal Investment Advisor (PIA) and earned her high school diploma from Western Michigan University. Outside of her professional role, Jennifer enjoys antiquing, boating, camping, gardening, horseback riding, interior decorating, painting, pottery, spending time with her family, and traveling. She is also involved in community organizations including Capuchin Soup Kitchen, Cub Scouts Pack 481, and Susan G. Komen.