Michael Rybka is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a part of the Kulhavi team for the past seven years, bringing over 25 years of experience in the financial services industry since beginning his career at Merrill in 1992. Michael specializes in wealth management for high-net-worth individuals and families, offering a comprehensive, goals-based approach that extends beyond portfolio management to include investment, financial, estate, tax, and liability planning. He also works with small and mid-size companies to develop customized retirement benefit programs, including 401(k) plans that meet regulatory requirements and address the needs of both employers and employees. Michael holds a bachelor's degree from Wayne State University's Business School and holds multiple professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is an active member of the Catholic organization Legatus. Michael and his wife Maureen, both born and raised in Dearborn, Michigan, reside in Northville and attend Our Lady of Good Counsel in Plymouth. They have two children, Maggie and Alex, and two grandchildren. Michael enjoys golfing, running, and spending time with his family.

Jessica Chiang is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Farmington Hills, MI. She has 11 years of industry experience, including prior roles at Morgan Stanley and various positions within JPMorgan Chase and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Colleen Cowles is a financial advisor with Edward Jones in Brighton, MI, holding a Series 66 designation and two years of industry experience. She previously spent ten years at Venture Academy before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds.

Luke Youvon is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience at Sigma Financial, Amax Lending, Art Craft Display, and Walled Lake Northern High School. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and administrative support. 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 retirement-income planning advice based on investment research, third-party data, and algorithmic tools, focusing on dependable income sources and tax-aware withdrawal strategies.

Douglas Osborn is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include positions at Concorde Asset Management, L.M. Kohn & Company, and Asset Management Consulting Group LLP. Outside of his advisory work, he serves on the finance committee of St. Joseph Catholic Parish, which oversees significant parish expenditures. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory support to deliver these services, emphasizing the use of Ameriprise-managed accounts and affiliated investment products.

Kristen Hawkins Yakel is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. Her work history includes roles at JPMorgan Chase Bank, N.A., Caitlyn John, Bfg Wealth Advisors, LPL Financial, and Premier Financial Planning. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process involves centralized due diligence supported by quantitative and qualitative research, with recommendations that may include ESG considerations.

Ryan Butsavich is a financial advisor with Edward Jones in Milford, MI, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018, following four years at Speedway LLC. Outside of his advisory role, he serves as an election inspector for the City of Wixom. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Scott Hazelton is a financial advisor with Edward Jones in Clarkston, MI, holding Series 63 and Series 66 licenses and over 32 years of industry experience. He has been with Edward Jones since 1993. Outside of his financial advisory role, Hazelton serves as a Reserve Deputy for the Oakland County Sheriff Department. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Khalia Coleman is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Sotheby's International Realty and held positions at Corewell Hospital, eXp Realty, Brookstone Realtors, and Chase Bank. She maintains an active real estate license in Michigan. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kerri Tuckey is a financial advisor with Merrill in Farmington Hills, MI, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Oleszkowicz is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, NA since 2011. 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 searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a focus on Eligible Strategies and may incorporate an ESG eligibility framework.

Donna Bobak is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2017, following four years at Raymond James. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nu Tran is a financial advisor at Ameriprise with six years of industry experience. Prior to joining Ameriprise, he spent over 30 years at Ford Motor Credit Company. He also provides consulting services related to captive auto financing and supports financial advising activities through Furlotte Consulting Group. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Hendrian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their unique goals and changing market conditions. Robert provides access to investment insights from Merrill as well as banking and lending solutions through Bank of America. He holds multiple professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Robert earned his bachelor's degree from Wayne State University. Committed to community involvement, Robert follows Merrill’s tradition of participation and dedicates time volunteering with local organizations. His approach centers on working one-on-one with clients to pursue their long-term financial goals.

Allison Klein is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2013 and Bank of America since 2018. Outside of her advisory role, she serves on the advisory board and finance committee of Jewish Senior Life, a charitable organization focused on senior care. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jennifer Kreutzer is a CFP®-certified financial advisor with 28 years of industry experience. She has worked at LPL Financial since 2014 and previously spent 15 years at Merrill. Kreutzer operates under the DBA ClearPath Financial Group in connection with her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing various model portfolios, third-party subadvisors, and customized strategies.

Chandler Schneider is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His background includes roles at Auburn University and involvement with nonprofit organizations such as North Oakland Headwaters Land Conservancy. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Denise Dunn is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been associated with Raymond James Financial Services, Inc. since 1994 and leads Dunn Financial Services Corp. as its president. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs for municipal finance and employer-sponsored retirement plans.

Thaddeus Bienko III is a financial advisor with Cetera, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Morgan Stanley, E*TRADE, TD Ameritrade, Bank of America, and Merrill Lynch. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across various program structures and custodial relationships.

Stephen Yono is a CFP® with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Before joining Edward Jones, he worked at Varroc Lighting Systems, Inc. and Delphi Technologies. Outside of his advisory role, he assists with invoice preparation at Cornerstone Wine Distributors, LLC, a wine wholesaler based in Commerce Township, MI. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory strategies, including discretionary and non-discretionary wrap fee programs and access to separately managed accounts. The firm operates under a fiduciary standard and is notable for its extensive network of advisors and branches, as well as affiliated services such as a trust company and proprietary mutual funds.