Michelle St George is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2011. Her current roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. 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 research, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screens and qualitative research to develop model asset allocations within a non-discretionary program.

Anthony Bove III is a financial advisor at Stifel with 41 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at B. Riley Wealth Management and B. Riley Wealth Advisors. Outside of his advisory work, he serves as an Industry Arbitrator for FINRA. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Dawn Lubienski is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021. Prior to her current role, she was involved with Grace Community Church and the Grosse Pointe Nursery School, and spent over two decades in homemaking. 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.

Christopher Armour is a CFA® charterholder and holds the Series 66 designation with 16 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016 and briefly worked at Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a FINRA arbitrator and is a commissioned Notary Public in Michigan. Stifel serves a diverse client base including individual and institutional investors, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing guidance on asset allocation and financial planning that supports client-driven decision-making.

Matthew Linscott is a Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. He takes a client-centered approach, beginning with understanding each client's unique aspirations and financial situation to develop personalized strategies addressing their short-, mid-, and long-term goals. His expertise includes education planning, family wealth management, retirement planning, portfolio management, tax minimization, and retirement income strategies. Matthew holds a Bachelor's Degree from Grand Valley State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He integrates the resources of Merrill Lynch and Bank of America to provide clients with investment insights and banking services. He also serves within Merrill Lynch Wealth Management: Farmington Hills & Associates. Beyond his professional role, Matthew is involved in community volunteering, reflecting Merrill's tradition of service. His personal interests include football, music, reading, running, singing, spending time with his family, swimming, and watching movies.

Timothy Smith is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been an investment professional since 2003 and utilizes a consultative approach focused on Goals Based Wealth Management. His practice serves business owners, professionals, and private families, offering personalized wealth management strategies as well as consulting on small business retirement plans. Tim began his career with Morgan Stanley Smith Barney and joined Merrill after 12 years, appreciating the firm’s rich history. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Private Wealth Advisor® (CPWA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tim is a member of the Financial Planning Association and the Investments and Wealth Institute™. A graduate of Western Michigan University with a Bachelor’s Degree in Business Administration, majoring in Finance, Tim resides in Northville, Michigan. Outside of work, he enjoys spending time with his wife and son, traveling, golfing, walking his Labradors, fitness training, and participating in community volunteer activities.

James Uh is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 20 years of industry experience. Prior to joining LPL in 2024, he worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. for seven years, as well as National Planning Corporation and Freedom One Investment Advisors, Inc. Outside of his advisory role, he presents investment-related seminars through White Glove Workshops. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies with a combination of discretionary and non-discretionary approaches.

Paul Cohen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked at J.P. Morgan Securities LLC since 2015 and at JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative research and may include ESG criteria in its recommendations.

Bryce Hemker is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He worked at Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. from 2010 to 2024 before joining OSAIC in 2024. Outside of advisory services, Hemker is president of MPA, Inc., which provides life insurance sales, and serves as principal of Midwest Pension Actuaries, Inc., specializing in plan design, compliance, consulting, and administration. OSAIC is a multi-advisor platform serving retail and institutional clients, offering brokerage and advisory services including financial planning, portfolio management, and retirement plan consulting. The firm employs a model-based investment process and supports a variety of client strategies through its extensive network of affiliated broker-dealers and registered investment advisers.

Mark Diederich is a CFP® with 30 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. His prior roles include positions at FSC Securities Corporation, Nationwide Securities, LLC, and 1717 Capital Management Company. Outside of his advisory work, he co-owns and operates an insurance agency with his wife and manages property through an LLC formed for their branch office. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services. The firm uses a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by a large multi-advisor platform and a complex affiliate network.

Raymond Trepanier Jr. is a CFP® professional with 20 years of experience in the financial industry. He has worked at OSAIC since 2018 and previously spent 12 years with Signator Investors Inc. Outside of his advisory role, he maintains an active license used for personal projects that benefit from builder discounts. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services focused on model-based asset allocation and portfolio optimization, supported by various investment programs and third-party money manager options.

Gilbert Toth is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. Prior to joining Ameriprise in 2022, he worked for Cambridge Investment Research Advisors and Genesis Financial Partners for over two decades. He is also vice president of Hycki Toth Incorporated, where he develops client financial plans and manages portfolio strategy. Ameriprise is an institutional firm serving clients primarily through retirement-income planning services, using a centralized consulting team to deliver non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm offers a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Melissa Burt is a financial advisor with J.P. Morgan Securities in Fenton, MI, holding Series 63 and Series 66 designations and 14 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been associated with JPMorgan Chase Bank, N.A. since 2011. In addition to her advisory role, she was involved with Betty James Pretty Things in 2024. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Kirk Pentecost is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 13 years of industry experience. He previously worked at Hantz Financial Services for 13 years before joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice, focusing on income stability and tax-aware withdrawal strategies.

Larry Wood serves as a Client Experience Advisor at Merrill Lynch Wealth Management, where he collaborates with clients to understand their financial situations and presents solutions through Merrill and Bank of America. His approach focuses on uncovering what matters to clients and their families to help develop strategies that pursue their financial goals. With a background as a former collegiate and semi-professional baseball player, Larry brings discipline and a competitive drive to his financial advisory role. He holds a Bachelor's and a Master's degree from Northwood University, including an MBA with a concentration in Finance, and possesses multiple professional designations, such as Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Larry's expertise covers a range of areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and sports and entertainment financial services. He maintains community involvement with organizations including the Bay Area Family YMCA, Northwood "Go M.A.D.", the Salvation Army, and participates in Walled Lake Western Baseball.

Nicholas Paparelli is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 63 and Series 65 licenses. Prior to joining Ameriprise, he worked at The Huntington National Bank and The Huntington Investment Company. Outside of finance, he was involved with Elite Catering for several years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Ryan Winkler is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 15 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2019 before joining Raymond James in 2019. 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 client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs.

Curt Green is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following nine years at J.P. Morgan Securities. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to assist clients in financial decision-making.

Carol Miskovich is a financial advisor at LPL Financial with 38 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Founders Financial Securities, LLC for 18 years. Outside of her advisory role, she is involved with Tallman Financial Services, LLC, focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, retirement plans, banks, and institutions through a large network of investment adviser representatives. The firm offers a variety of advisory solutions including model portfolios and third-party asset management, supported by technology tools and a broad range of non-advisory financial activities.

John Priestap is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 designations and has 27 years of industry experience. He has been affiliated with Raymond James since 2009 and operates Priestap Financial LLC. 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, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.