Chelsei Latsch is a CFP® with seven years of industry experience, currently serving as a financial advisor at Antonelli Financial Advisors, LLC since 2017. Her prior work includes a role at Comerica Bank and experience in the hospitality sector at Texas Roadhouse. Antonelli Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing fee-based investment management and various financial planning services. The firm employs a modern portfolio theory approach to build globally diversified portfolios and typically manages client accounts on a discretionary basis.

ABOUT THRIVE RETIREMENT SPECIALISTS Standing out in our industry's “sea of sameness” and b#llsh!t, we introduce a new business model that applies the latest retirement research to deliver “reality-based” retirement planning, representing an evolutionary step forward in how people prepare for and thrive during retirement. We arm you with a framework to make better decisions based on your unique circumstances, enabling you to avoid unnecessary sacrifices symptomatic of following conventional “rules of thumb” intended for the masses. The result is living a more rewarding life optimized for contentment. ThriveRetire is an all-in-one, flat-fee service that includes: • Retirement Planning • Tax Planning • Investment Management • And more! ABOUT ANTHONY WATSON, CFA, CFP®, RICP® Prior to founding Thrive Retirement Specialists, Tony served as a Chief Investment Officer, providing advice and investment management services to over 600 individuals representing over $1.5 billion of investments. Before this, Tony served as Vice President at J.P. Morgan Private Bank, where he advised high- and ultra-high net worth individuals on all matters of wealth, including investments, portfolio construction, portfolio management, and retirement planning. EDUCATION: • BBA of Finance, Walsh College • MBA, University of Michigan, Ross School of Business CREDENTIALS: • Chartered Financial Analyst (CFA) • CERTIFIED FINANICAL PLANNERTM (CFP®) • Retirement Income Certified Professional (RICP®)

Kiernan Easton is an advisor at Dynamic Wealth Solutions LLC with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Dynamic Wealth Solutions since 2015. Dynamic Wealth Solutions LLC serves individuals, trusts, estates, foundations, corporations, and retirement plans, managing approximately $102 million in assets across roughly 170 clients. The firm uses a fundamental analysis and disciplined asset allocation approach within a TREAT framework, offering discretionary asset management, financial planning, and retirement plan advisory services.

Kyle Whipple is a financial advisor at Custom Wealth Management with 15 years of industry experience. He holds a Series 66 designation and has worked previously at AE Wealth Management, LLC, Kalos Capital, and C. Curtis Financial Group. Outside of his advisory role, he is a partner and financial advisor involved in insurance sales through Custom Wealth Solutions. Custom Wealth Management serves individuals, high-net-worth clients, families, and trusts with discretionary investment management, integrated financial planning, and limited consulting services. The firm uses an active, asset-allocation approach incorporating fundamental, quantitative, and technical analysis, and has a specialization in bank-issued structured notes and related services.

Scott Carty is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Custom Wealth Management in Plymouth, MI. His prior roles include experience at AE Wealth Management LLC, Oliver Lagore Vanvalin Investment Group, and Sigma Financial Corporation. Outside of his advisory work, he volunteers as a soccer coach at Plymouth Christian Academy. Custom Wealth Management, LLC serves individuals, high-net-worth clients, families, and trusts, providing discretionary investment management and integrated financial planning. The firm uses an active, asset-allocation approach and has a specialization in bank-issued structured notes, supported by an affiliated insurance agency that offers additional insurance products.

Joshua Raider is a financial advisor with Raider Dennis Agency and holds a Series 65 designation. He has eight years of experience with the firm, including four years in the industry. Raider Dennis Agency provides investment advisory services to individual and high-net-worth clients, utilizing model portfolios on a wrap-fee platform. The firm employs cyclical analysis and third-party model managers accessed via AE Wealth’s platform, primarily managing accounts on a non-discretionary basis while maintaining active insurance brokerage and securities activities.

Jonathan Carender is a CFP®-credentialed financial advisor with six years of industry experience, currently serving at Paragon Investing, LLC since 2020. His prior work includes roles at Scio Software and TKS Industrial Company. Paragon Investing provides investment advisory and financial planning services to individuals, high net worth clients, businesses, and other investment advisers. The firm offers discretionary and non-discretionary managed accounts along with standalone or bundled planning services, tailoring investment processes to client objectives using a mix of asset allocation strategies and fund types.

Brett Kidd is a financial advisor at Kidd Financial Planning, LLC with the PFS™ designation and one year of experience in financial planning. He has also worked at Norton & Kidd CPAs for ten years. Kidd Financial Planning, LLC provides investment management, financial planning, and retirement-plan advisory services to individual investors, trusts, charitable organizations, small businesses, and participant-directed retirement plans. The firm emphasizes passive, diversified, long-term investment strategies using mutual funds and ETFs and employs quantitative tools and third-party managers to manage client portfolios.

Rocco Scarsella is a financial advisor with The Financial Center, LLC, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been affiliated with Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. since 2008. Outside of his advisory role, Scarsella serves as president of NICTON Inc., a company that owns an office building, and is involved in tax planning and business consulting through related entities. The Financial Center provides fee-based financial planning, general consultations, and educational seminars to individuals, high-net-worth clients, corporations, charitable organizations, estates, and trusts. The firm focuses on delivering tailored financial plans and project-based advice without exercising investment discretion, with implementation handled through third-party affiliates.

Kevin Adams is the sole advisor at the Law Office of Kevin Adams, PLLC in Livonia, MI. He holds a Series 65 designation and has 11 years of experience in the financial industry. He has practiced as an estate and tax attorney at his law office since 2000. The firm provides legal and tax services focused on estate planning, probate, trusts, and tax planning, and refers clients to third-party financial advisors rather than offering direct investment management. It emphasizes matching clients with suitable advisors through documented referral agreements and client disclosures.

Sean Kelly is a financial advisor at Kelly Wealth Management, Inc. in Royal Oak, MI, holding a Series 65 designation with four years of industry experience. Prior to his current role since 2023, he worked at J.W. Cole Advisors, Inc. and has experience in construction and property restoration. He is also active as an insurance agent through Copper Partners II DBA Kelly Capital Partners. Kelly Wealth Management provides discretionary investment advisory and portfolio management services primarily to individual investors. The firm manages $160.6 million in discretionary assets and offers tailored investment strategies that may include asset allocation, dollar-cost averaging, and both long- and short-term purchases, utilizing third-party sub-advisers and wrap-fee programs.

Ina Fernandez is a financial advisor at Fern Capital Inc. with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Fern Capital since 2015. Fern Capital serves individual and high-net-worth clients by providing discretionary portfolio management, investment consulting, and qualified plan consulting. The firm manages approximately $71 million through a two-advisor team and employs client-specific investment policies focused on fundamental analysis, earnings growth, and investment-grade fixed income.

Lyndon Davis is a financial advisor with Lightsquare Wealth Management, LLC, holding a Series 66 designation and 20 years of industry experience. He previously worked at Raymond James & Associates, Bank of America, and Merrill Lynch. Davis is also an author of finance and personal money management books and content. Lightsquare Wealth Management, LLC serves individuals, including high-net-worth clients, as well as trusts, retirement plans, corporations, and other business entities. The firm provides discretionary asset management and financial planning, utilizing a combination of fundamental, quantitative, technical, and sector analysis, and may incorporate various investment strategies tailored to client objectives.

Nicholas Hopwood is a CFP® professional with 26 years of industry experience. He is currently with Peak Wealth Management, LLC in Plymouth, MI, where he has worked since 2010. Prior to that, he was with Regulus Advisors and Mutual Securities, Inc. Outside of his advisory practice, he is a member and passive investor in Omnevo Fitness. Peak Wealth Management primarily serves individual and high-net-worth clients, offering financial planning, coaching, and discretionary portfolio management. The firm uses fundamental and technical analysis to guide investment decisions and manages assets through a wrap-fee program while also recommending institutional strategists via the Envestnet platform.

Arthur Cole is a financial advisor with CND Financial in Livonia, MI, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 15 years of industry experience and is also president and CPA of Cole, Newton & Duran, a certified public accounting firm. In addition to his advisory role, he serves as CFO of MI Pharm, a long-term care pharmacy, and owns several non-investment related businesses. CND Financial is a fee-only, SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm offers tailored portfolio management and financial planning services, employing a range of model strategies primarily using no-load mutual funds and ETFs, with quarterly portfolio reviews and limited-discretionary management.

Mary Kelly is a financial advisor at Kelly Wealth Management, Inc. in Royal Oak, MI, holding a Series 65 designation with six years of industry experience. She previously worked at J.W. Cole Advisors, INC. and is also involved with Copper Partners II, Inc. d/b/a Kelly Capital Partners. Alongside her advisory role, she is a licensed insurance agent and sells various insurance products. Kelly Wealth Management provides investment advisory services to individual and high-net-worth clients, offering discretionary portfolio management, written investment strategies, and financial planning. The firm customizes advice based on client objectives and risk tolerance, employing methods such as strategic asset allocation and dollar-cost averaging, and may utilize third-party sub-advisers and wrap fee programs.

Nicole Schmitt is a CFP®-certified financial advisor with 15 years of industry experience. She currently works at Lightsquare Wealth Management, LLC and has previously held positions at JPMorgan Securities, Morgan Stanley Smith Barney, and Wells Fargo Advisors. Nicole also operated Schmitt Consulting from 2016 to 2020. Lightsquare Wealth Management advises individuals—including high-net-worth clients—as well as trusts, retirement plans, corporations, and other business entities. The firm offers discretionary asset management, financial planning, and consulting services, employing a variety of investment strategies and conducting due diligence on third-party money managers to align with client goals.

Theodore Bugenski is a CFP® with 20 years of industry experience, currently serving as the sole advisor at CND Financial. He has been with Executive Financial Securities, Inc. dba CND Financial since 2008 and has worked at William Mack & Associates, Inc. since 1992. CND Financial provides discretionary investment management and hourly financial planning services to individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm manages approximately $199 million in assets for about 189 clients, employing diversified allocations to no-load mutual funds and ETFs across tailored model strategies based on each client’s risk profile and time horizon.

Deanna Harless is a CFP® with 16 years of industry experience, currently serving at Bernard Wealth Management Corp. She has worked at several firms including Sequoia Financial Group, Creative Planning, and Securities America. Bernard Wealth Management serves individuals, businesses, corporate retirement plans, and charitable organizations with discretionary portfolio management and financial planning services. The firm manages approximately $314 million in client assets using model portfolios that combine mutual funds, ETFs, and select individual stocks guided by quantitative and fundamental research.

Antashe Howard is a Series 65-licensed financial advisor at Nubian Square Investment Advisors, LLC with four years of industry experience. His prior roles include positions at Mariner Wealth Advisors and Eaton Vance Investment Counsel. Outside of advising, he is an agent for a life insurance business. Nubian Square Investment Advisors serves individuals, high-net-worth clients, and charitable organizations by providing investment management and financial planning services. The firm employs a combination of in-house and third-party portfolio management strategies, emphasizing long-term orientation while incorporating alternative approaches when appropriate, and maintains a formal impact investing due-diligence practice.