Austin Liedel is a financial advisor with LPL Enterprise in Troy, MI, holding a Series 66 credential and one year of industry experience. His work history includes roles at LPL Enterprise, Herbert Financial Group, and Michigan State University. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, access to model portfolios, third-party asset management arrangements, and brokerage and insurance products through an integrated platform.

John Krakowiak is a financial advisor with Morgan Stanley in Troy, MI, holding Series 65 and Series 66 licenses and having 12 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support its clients.

David Miller is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Thrivent Financial and Thrivent Investment Management Inc. for over a decade. Miller is also the owner of North Coast Financial Advisors, an LLC involved in securities and insurance. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party managed accounts. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Laurence Golden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for his mother’s investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach 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.

Timothy Lenhard is a financial advisor with LPL Financial in Grosse Pointe Woods, MI, holding a Series 63 designation and 34 years of industry experience. He has worked with LPL Financial since 1997. Outside of his advisory work, he is involved in a business investment in a hospitality venture and holds a sales representative position with Zapp Charging. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, using both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Gregory Gilbert is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Renata Ramos is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. Her background includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and experience in social work at the University of Michigan. She was also involved with the First Presbyterian Church of Birmingham from 2022 to 2023. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage services. The firm provides access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products via an integrated platform.

Panagiotis Gargasoulas is a Wealth Management Advisor serving as the Merrill Resident Director. He leads the Pollard Gargasoulas Group, advising business owners and families to deliver customized investment portfolios and wealth management strategies. His work focuses on providing tailored financial solutions aligned with each client's unique ambitions. With a background in financial services, Panagiotis and his team specialize in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. His expertise is supported by professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Panagiotis holds a Bachelor's Degree from Michigan State University. Beyond his professional role, he serves as Treasurer for the Grosse Pointe Artists Association and is involved with the Grosse Pointe Artists Association as well as the Grosse Pointe Farms / City Little League Baseball. His personal interests include baseball, basketball, boating, football, horseback riding, soccer, and spending time with his family.

Wayne Phillips is a financial advisor with Ameriprise in Detroit, MI, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Phillips serves on several nonprofit boards, including the MCOD Scholarship Foundation and the Omega Historic Preservation Foundation. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

David Graham is a CFP®-designated financial advisor with 14 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held roles at Fifth Third Securities, Habitat for Humanity, and Spaulding for Children. Outside of his advisory work, he is a co-owner of Prolific Life Properties LLC, a real estate rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors.

Daniel Heppler is a financial advisor with Edward Jones in Clinton Township, MI, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Edward Jones since 2005. Outside of his advisory role, he serves as an advisory board member for The Salvation Army’s Mt. Clemens office. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Barbara Kreitsch is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise and its related entities since 2006. Outside of her advisory role, she owns Glidden Solutions Inc., an LLC that manages employees supporting her financial advisory practice. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides written, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools.

Eric Hermes is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Merrill since 2015 and concurrently associated with Bank of America, N.A. since 2016. 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, pension plans, corporations, and charitable organizations.

Brianna Bowman is a financial advisor at LPL Enterprise with a Series 66 designation and one year of experience at the firm. Prior to joining LPL Enterprise, she held various roles in the hospitality industry and worked in educational settings. Outside her advisory work, she has been involved with several restaurants and service businesses in different capacities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Chris Demasse is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association from 2009 to 2024. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning, focusing on dependable income sources and tax-aware withdrawal strategies.

Naomi Stiekes is a financial advisor at Primerica Advisors with over 43 years of industry experience. She has been with Primerica Advisors since 1982 and holds Series 63 and Series 65 designations. Outside of advisory services, she is involved in sales of investment-related products and participates in referrals for home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its advisory services.

David Jozefiak is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services and Questar Asset Management. Outside of advisory roles, he participates as a movie extra and serves as president of Next Degree Financial, LLC, an insurance agency. OSAIC serves a diverse client base including individual and institutional investors, offering a range of investment advisory and brokerage services supported by proprietary asset-allocation tools and access to third-party money managers.

Teri Prause is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Ameriprise since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations primarily for clients with assets managed within Ameriprise.

Joel Atallah is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His work history includes roles at Fidelity Investments, Equitable Advisors, and several other firms spanning legal, academic, and counseling sectors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its registration with the CFTC as a commodity pool operator, advisory roles to multiple registered investment companies, and the use of AI and algorithmic methods in its investment process.

Gezim Kello is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. His prior work includes roles at Northwestern Mutual and Morgan Stanley. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.