Linda Laprad is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 34 years of industry experience. She has been with Raymond James since 1999, serving in various capacities within the firm for over two decades. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains distinctive programs such as municipal and public-finance advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Amanda Kebbe is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds the Series 66 designation and has been with JPMorgan Securities LLC since 2016. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Mark Karcher is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has worked with Mass Mutual Investors Services since 2003 and has been associated with MassMutual Life Insurance Co since 1990. Outside of his advisory role, he owns and operates Karcher Agency Inc., which provides life, health, dental, and vision insurance services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using proprietary software and provides specialized planning programs, including recent additions like standalone Divorce Planning.

Amy Smith is a financial advisor with Ameriprise Financial Services LLC in Novi, MI, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with Ameriprise since 1998. Outside of her advisory role, she owns a business called Legacy Family Office and serves on the finance committee of St. James Catholic Church. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, utilizing a centralized consulting team that delivers data-driven, non-discretionary recommendations. The firm combines research, modeling, and tax-efficiency analysis to support retirement strategies, with a focus on assets managed within Ameriprise accounts.

Gurveer Mann is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and Signator Investors, Inc. Outside of financial advising, he serves as a head coach for freshman boys soccer teams at local high schools and is an enrolled agent authorized to represent clients before the IRS. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supporting a range of investment strategies and custodial arrangements.

Aaron Romain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a member of the Kulhavi Team since 1998 and serves high net worth individuals and their families. Aaron specializes in portfolio management, retirement planning, Executive Stock Option Plans, and 529 planning, offering a personalized approach tailored to each client's financial objectives. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, and the Personal Investment Advisor designation. Aaron graduated from the University of Michigan with a bachelor's degree in psychology. Beyond his professional role, he is a member of the organization Legatus and a founding member of 100 Businesses Who Care. Aaron resides in Plymouth with his wife Carla and their three children. His approach to wealth management emphasizes individualized strategies centered on building strong relationships with clients and their families. He is involved in the New Day Foundation for Families.

Heather Lindenberg is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes roles at Bank of America, N.A. and Morgan Stanley Smith Barney. 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 for individuals, high-net-worth clients, and institutional investors.

Lindsay Maldonado is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and three years of industry experience. Her prior work includes roles at United Wholesale Mortgage and positions in early childhood development and senior care. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as a commodity pool operator and advisor to multiple registered investment companies.

Kevin Brennan is a financial advisor at Cetera with 22 years of industry experience. He holds Series 65 and Series 66 registrations and has previously worked at VOYA Financial Advisors and Hollbrook Insurance Agency. Brennan is also the owner of Brennan Services LLC, a financial services business, and serves as Vice Chair of the Hartland Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Michael Mcclintock is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for VOYA Financial Advisors for seven years before joining LPL Financial in 2021. Mcclintock is also involved with Nova Retirement and Wealth Solutions, a DBA related to his LPL business activities. 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, asset management, and retirement advisory services through a large network of investment adviser representatives.

Patrick Duerr Jr. is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Raymond James since 2012. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing various portfolio management styles supported by in-house research and affiliated sub-advisers.

Hio Rumschlag is a CFP® professional with over 42 years of experience in the financial services industry. He has been affiliated with Raymond James Financial Services Advisors, Inc. since 1991 and is also the owner of R2 Financial Planning, LLC. Outside of his advisory role, he has involvement in life insurance sales and is a landlord through Rumschlag Realty, 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, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by risk profiling and analytical modeling, and maintains specialized offerings such as municipal advisory services and employer SIMPLE IRA consulting programs.

Stephanie Brown is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She previously worked at infinex Investments, Inc. for eight years and has been affiliated with Flagstar Bank for 20 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and a variety of strategic investment options.

Carolyn Kunik is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has been with Merrill since 2009, following a brief tenure at Banc of America Investment Services, Inc. in the same year. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Carl Erickson is a financial advisor with Ameriprise in Waterford, MI, holding a Series 66 designation and 11 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Capital Analysts and Lyons Financial Group. Outside of advising, Erickson is a co-owner of Detroit National Brewing Company, LLC, a former beer company that now receives royalty payments from a brand sale, and serves as Treasurer on the board of the Sylvan Shores Improvement Association. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, providing written, non-discretionary recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through its affiliated entities and employs algorithmic automation overseen by dedicated committees to generate personalized retirement income recommendations.

David Smith is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Financial from 2013 to 2019. Outside of his advisory role, he has served on the executive board of the Detroit Athletic Club, including terms as director of hockey operations, vice president, and president. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, allowing advisors to utilize affiliated and third-party managers or create custom strategies.

Charles Anderson is a financial advisor with Morgan Stanley in Clarkston, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through Corporate Financial Planning agreements.

Melissa Russell is a Series 66-licensed financial advisor at Stifel with 17 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2016 and previously worked at Wells Fargo Clearing. Outside of her advisory role, she serves as a Notary Public, notarizing documents for Stifel clients. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Erik Ireland is a financial advisor at Primerica Advisors in Madison Heights, MI, with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 1991. Outside of advising, he serves as a trustee for his mother and is a member of Business Network International. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Bruce Berry is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Cambridge Investment Research Advisors and has operated Berry & Maas Consulting, Inc. since 2003. Outside of his advisory roles, he is involved with several business entities for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of financial planning and investment management services to individuals, retirement plans, banks, trust companies, and institutions. The firm combines extensive advisory capabilities with various non-advisory financial services and supports over 22,800 advisors managing more than $819 billion in discretionary assets.