Garry Penta is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 20 years of industry experience. He has been with J.P. Morgan Securities since 2013. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Renee Mietelski is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2011. She has been with Fidelity Investments for 27 years, serving in various roles including Financial Consultant, Investments Consultant, Client Service Specialist, and Senior Tax Customer Service Specialist, among others. Throughout her career, Renee has focused on building relationships with clients to understand their financial goals, preferences, and concerns. Her extensive experience at Fidelity spans from retirement representation to financial consulting, allowing her to create comprehensive financial plans aimed at providing clients with peace of mind and supporting the lifestyles they aspire to maintain. Renee's approach emphasizes collaboration with clients to tailor strategies that align with their individual needs. Outside of her professional responsibilities, Renee enjoys beach activities, family time, fitness, social events with friends, music, and parenthood.

Michael Conti is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 13 years of industry experience. His prior experience includes seven years at Bank of America and Merrill. He is based in Novi, Michigan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting through various specialized programs.

Ashley Stutzmann is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent eight years at Steve Madden, Ltd. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edmund Canlas Jr. is a financial advisor at Fidelity with 26 years of industry experience. He previously worked at TIAA for 18 years before joining Fidelity in 2025. Outside of finance, he works as a server at Ichiban Japanese Steakhouse in Ann Arbor, Michigan. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Dijohn Gonzalez is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has accumulated 16 years of experience in the financial services industry, with previous positions including Private Client Advisor at JP Morgan Securities from 2021 to 2024, Financial Advisor at Merrill Lynch from 2020 to 2021, and Private Client Banker at JP Morgan Chase Bank from 2010 to 2020. Throughout his career, he has focused on providing financial guidance tailored to the unique needs of his clients. Gonzalez emphasizes building trust and cultivating strong client relationships, delivering proactive communication and financial strategies designed to empower individuals on their financial journey. Outside of his professional work, he is interested in family activities, fitness, food, parenthood, and traveling.

Mark Mueting is a financial advisor at UBS Financial Services in Ann Arbor, MI, with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor client plans and offers a broad range of capital markets and fiduciary services.

Ali Fayad is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 25 years of experience serving families, executives, and retirees in Michigan. He specializes in retirement planning, portfolio management, and long-term wealth preservation, focusing on guiding clients through retirement readiness, portfolio optimization, and family wealth management strategies. Ali began his career as a credit and equity analyst before joining Merrill Lynch, where he has held roles including Senior Vice President and Wealth Management Advisor. He holds a bachelor's degree in Finance from the University of Michigan and maintains series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. He has shared his expertise as a featured speaker on retirement planning strategies at the SAEA 2024 Conference in Metro Detroit. Born in Beirut, Lebanon, Ali resides in Dearborn, Michigan with his wife Maha and their four children. He has been active in the community, previously serving as co-chairman for the American Arab Professional Network (AAPN). Outside of work, Ali enjoys golfing, coaching his daughter's soccer team, and spending time with his family.

David Spirl is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He is a member of the investment committee for the Western Wayne County Conservation Association, where he reviews the club’s investments. Edward Jones is a full-service wealth management firm with over 23,700 advisors, serving a wide range of clients including individuals, institutions, and charitable organizations. The firm offers diverse investment strategies and operates under a fiduciary standard.

Joseph Binder is a CFP® professional with 20 years of experience in the financial services industry. He has been with Equitable Advisors since 2005 and previously worked at Axa Advisors. Outside of his advisory role, he serves as a trustee for multiple family and non-family trusts. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model utilizing third-party asset managers and offers both advisory and brokerage/insurance channels to implement client recommendations.

Larry Skiles Jr. is a financial advisor with Edward Jones in Ann Arbor, MI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Edward Jones since 1997. Skiles is also involved in rental property management through his ownership and partnership in separate LLCs. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Kenneth Highet is a financial advisor with Charles Schwab in Ann Arbor, MI, holding Series 63 and Series 66 licenses and with 39 years of industry experience. His career includes roles at Charles Schwab Bank SSB, TD Ameritrade, and Wells Fargo Advisors. Charles Schwab & Co., Inc. serves primarily 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 offers both non-discretionary and discretionary investment management with multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Mary Nolan is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill Lynch, Bear, Stearns, and J.P. Morgan Chase. 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, and various institutional investors.

Robert Ventour is a financial advisor with Cetera in Ann Arbor, MI, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at several firms, including BFC Planning, HD Vest, and Securian Financial Advisors. Outside of his advisory role, Ventour serves as a music director and musician, providing oversight and development for a church music department since 1984, and owns a tax preparation and bookkeeping business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services, with multiple program structures and access to third-party money managers.

Carolynn Bridges is a financial advisor with LPL Financial in Plymouth, MI, holding CFP®, Series 65, and Series 63 designations. She has 14 years of industry experience and has worked with firms including Sagepoint Financial and City Center Financial. Outside of advising, she has worked as a data entry contractor in a remote capacity. 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 variety of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management along with access to model portfolios and research.

Brian Sommer is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Ameriprise in Ann Arbor, MI. He has been with Ameriprise and its affiliated entities since 2005. Sommer also manages an advisory business through RNB Greenlight LLC. Ameriprise offers a retirement-income planning service tailored for clients approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports focused on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these non-discretionary recommendations, primarily for clients with assets managed within Ameriprise.

Emily Polaczyk is a financial advisor with Mass Mutual Investors Services in Ann Arbor, MI, holding a Series 66 designation and six years of industry experience. She has worked at MML Investors Services LLC and MassMutual Life Insurance Co since 2019. Outside of her financial career, she occasionally plans and coordinates weddings and takes photographs through her business, EBP Designs. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools.

William Fay is a financial advisor with Ameriprise in Novi, MI, holding a Series 66 designation and having 18 years of industry experience. His prior roles include positions at Ameriprise Financial Services Inc and Waddell & Reed, Inc, as well as involvement with various insurance carriers. He is also a co-owner of Fay-Hilbert Resort, LLC, a family-owned entity established for estate planning and liability purposes. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Daniel Bolivar is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, and Axa Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, manages multi-manager and fund-of-funds structures, and is notable for its use of systematic methodologies and AI in portfolio management.

Danielle Holmes is a financial advisor with LPL Financial in Canton, MI, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been affiliated with LPL Financial since 2009 and also works as a certified group fitness instructor at LifeTime Fitness. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by various model portfolios, third-party subadvisors, and research.