Misty Doucet is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 16 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she works part-time as a bakery/deli clerk. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of financial planning and advisory services, utilizing both discretionary and non-discretionary management and supporting various investment strategies with research and technology resources.

Matthew Palmer II is a financial advisor with Merrill in Dearborn, MI, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

John Napolitano is a Series 66-licensed financial advisor with Raymond James & Associates, where he has worked since 2025. He has one year of industry experience and previously held roles at Deloitte Tax LLP, Price Waterhouse Coopers LLP, and KPMG LLP. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse clientele, including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Noah Robinson is a financial advisor with Wells Fargo Advisors, holding Series 65 and Series 66 licenses and bringing 20 years of industry experience. He has previously worked with Wells Fargo Clearing and Wells Fargo Advisors, LLC. Robinson is also involved in wealth management through ownership interests in Tital Wealth Management and Kecheval Financial Group, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory offerings with other financial products and services.

Carmela Bowman is a financial advisor with Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to joining Raymond James in 2026, Bowman spent 13 years with Commonwealth Financial Network. She serves as the treasurer for the American Association of University Women in St. Clair Shores, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations to client goals, supporting implementation through its advisory programs and affiliated advisory firms.

Nicola Delicata is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Metlife Securities, Inc. and Massachusetts Mutual Life Insurance Company prior to his current role. Outside of his advisory work, he is the owner of a commercial building. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and various educational programs.

David Edwards is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He works closely with clients to develop financial plans aimed at enhancing their financial lives and providing clarity and confidence regarding their investments and future financial goals. He has extensive experience in the financial services industry, having served in various advisory roles since 2010. Prior to his current position, David was a Senior Financial Consultant at TD Ameritrade from 2014 to 2020, and he held financial advisor positions at Merrill Lynch and Morgan Stanley between 2010 and 2014. Further details regarding his education, credentials, personal interests, or community involvement are not provided.

Michelle Pumer is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 20 years of industry experience. She has been with Merrill since 1996 and is also affiliated with Bank of America, NA since 2009. Outside of her advisory role, she serves as president of her local neighborhood association, organizing meetings with city representatives and community members. 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, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raymond Sailus is a financial advisor with Ameriprise in Novi, MI, holding Series 63 and Series 66 designations and 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors and acts as Secretary for the Toll Gate Ravines Homeowners Association in Ann Arbor, MI. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, delivering non-discretionary, research-driven recommendations that incorporate tax efficiency and adaptive withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Graham Shullman is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MML Investors Services Inc. and MassMutual Financial Group since 2006. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analysis tools.

Virgie Ammerman is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has held roles at several firms including Primerica Financial Services, PFS Investments Inc., and Lally Group. Outside of financial advising, she is involved in business consulting focused on IT, strategy, and bookkeeping, and participates in property development services as well as a religious organization, Joyful Praise, PLLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based investment strategies managed by third-party asset managers and supports trade execution and custody through established financial service providers.

Jeffrey Farah is a financial advisor with UBS Financial Services in Royal Oak, MI, holding a Series 66 designation and possessing 10 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves on the finance committee of the Whaley Children's Center, advising on investment decisions and participating in charitable activities. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management and offering proprietary research and tailored investment strategies.

Ethan Cramer is a Series 66 licensed advisor at Osaic Wealth, Inc. with nine years of industry experience. He previously worked at Royal Alliance Associates and SII before joining Osaic Wealth. Outside of his advisory role, he serves as a director for Trout Unlimited, a coldwater conservation organization, and manages an online networking group called Trout Nations. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on diversified portfolio construction, utilizing asset-allocation tools, risk assessments, and third-party money managers.

Robin Waldman is Vice President and Wealth Planner at Fidelity Investments, a position held since 2018. In this role, Robin collaborates with clients and their families to develop comprehensive wealth plans that align with their definitions of financial success, emphasizing long-term relationships and a relationship-based practice. Robin's professional experience spans various roles in the financial services industry, including Financial Consultant at Fidelity Investments from 2012 to 2018, Financial Advisor at UBS from 2009 to 2012, and Financial Advisor at Merrill Lynch from 2004 to 2009. Throughout this time, Robin has focused on supporting families through different life stages by strengthening family dynamics via financial planning. No additional information regarding education, credentials, personal interests, or community involvement was provided.

Roger Houston is a CFP® professional with 34 years of industry experience, currently serving as an advisor at LPL Financial since 2003. He holds Series 63 and Series 66 licenses and operates in Southfield, MI. His other business activities include selling fixed annuities, health, disability, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, model portfolios, and retirement plan consulting.

Charles Turfe is a financial advisor at Edward Jones with four years of industry experience. He holds Series 63 and Series 65 licenses and has been with Edward Jones since 2018, with a brief period away from the industry prior to that. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

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 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.

Earl Mchugh is a financial advisor at MassMutual Investors Services with 40 years of industry experience. He holds the ChFC® designation and the Series 63 license, and has been with MassMutual since 1996. Outside of his advisory role, he is involved in several business ventures including ownership and leadership positions in a restaurant/bar, a marina with boat rentals, and a company that leases equipment for agricultural production. He also serves on a nonprofit board and provides business valuation services. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, and educational seminars, with planning engagements structured as annual, collaborative processes using advanced analytical tools.

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.