Kimberly Dwyer is a financial advisor at Thrivent Investment Management with 10 years of industry experience. She holds the Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of her advisory role, she is the owner of FLEX POINT DANCE, LLC, a competitive and recreational dance studio, though she has no active role in its operations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm focuses on holistic, goal-based planning across various topics, offering services as one-time or ongoing engagements without discretionary trading authority.

Consuelo Wicks Reiter is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 66 and Series 63 licenses. Her prior work includes roles at Inverness Securities LLC, Ancora Advisors, The Prudential Insurance Company of America, Pruco Securities LLC, NYLIFE Securities LLC, and New York Life Insurance Co. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning and utilizing firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through varied advisory and broker-dealer services.

Chaunceey Johnson is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Before joining Fidelity, Johnson worked at Thrivent Investment Management, J.P. Morgan Securities, and Apple. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research and quantitative analysis to construct algorithm-driven model portfolios. The firm is noted for its formal advisory roles with registered investment companies and its use of AI and algorithmic methods in portfolio management.

Vito Guarano is a financial advisor with Ameriprise in Farmington Hills, MI, holding Series 63 and Series 66 licenses and totaling 24 years of industry experience. He has been with Ameriprise since 2002, including his current role at Ameriprise since 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning advice focused on income stability and tax-aware withdrawal strategies.

Ryan Gliwa is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and seven years of industry experience. He has been with Ameriprise and its affiliated entities since 2017. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Whitney Bonaquist is a Series 66 credentialed financial advisor at Morgan Stanley with seven years of industry experience. She has worked at Morgan Stanley since 2018 and previously held roles at Dynamic Metals Group and Great Lakes Woodworking. Outside of her advisory work, Bonaquist owns and operates Elevate New Hudson, a business focused on creating and selling handmade merchandise such as t-shirts, jewelry, and original artwork. Morgan Stanley Wealth Management is an SEC-registered investment adviser that provides a wide range of financial planning and advisory services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies in its approach.

Aaron Tonna is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has worked with Fidelity Investments since 2020, serving previously as a Planning Consultant and an Investment Consultant. Prior to joining Fidelity, Aaron held roles at Vanguard, including Investment Sales Consultant, Account Transition Specialist, and Operations Associate from 2017 to 2020. Throughout his career, Aaron has developed experience in financial planning, investment consulting, and account management. He emphasizes building strong relationships and trust with his clients to provide financial plans tailored to their individual goals.

Grant Lowery is a financial advisor with Raymond James Financial in Northville, MI, holding a Series 66 designation and three years of industry experience. He also works as an associate at Scott Lowery, CPA, PC, where he manages office operations and prepares tax returns. His career includes prior roles at Quicken Loans and extensive experience within Raymond James Financial Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through unique affiliations.

George Al Ghishan is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 designations and has been with J.P. Morgan-affiliated entities since 2015. 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 and fund searches, and customized performance reporting. The firm combines quantitative screens with qualitative research to build model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Melissa Frantz is a financial advisor with Ameriprise in Plymouth, MI, holding a Series 66 designation and 22 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Parizad Chinoy is a financial advisor with Charles Schwab in Novi, MI, holding Series 63 and Series 66 designations and 14 years of industry experience. Her career includes roles at Morgan Stanley, E*TRADE, and JP Morgan Securities. Outside of investment advising, she and her husband own and rent several residential properties. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with access to multi-asset model portfolios and alternative investments.

Andrew Boyd is a CFP®-certified financial advisor with Edward Jones in Northville, MI, where he has worked since 2019. He has seven years of industry experience and previously held roles at Kellog Catering and Domino’s Pizza LLC. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Gregory Voyles is a financial advisor with Ameriprise in Canton, MI, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he manages an LLC that oversees office leasing for Ameriprise P2 Advisors. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet certain asset thresholds. The firm combines research and modeling with tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

David Herbeck is the Vice President, Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served in several positions at Fidelity Investments, including Financial Consultant from 2022 to 2025 and Investment Consultant from 2021 to 2022. He has additional experience as a Financial Advisor at PNC Investments from 2018 to 2021. Earlier in his career, he worked at Sigma Financial Corporation as a Registered Representative and at SPC as an Investment Advisor Representative from 2017 to 2018. In his role as Vice President Financial Consultant, David works closely with clients to understand their financial goals and develop personalized financial plans tailored to their unique needs.

Brett Bujdos is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to help them make informed financial decisions through significant life transitions, such as career changes, divorce, and retirement. Brett focuses on providing clear and proactive guidance to assist his clients in protecting their wealth and fully enjoying their lives. He has expertise in college education planning, personal retirement planning, and tax minimization. Brett is a Certified Financial Planner (CFP), Certified Divorce Financial Analyst (CDFA), and Personal Investment Advisor (PIA). He holds a bachelor's degree from Michigan State University and attended The Catholic University of America. Brett is involved in his community through participation in the 3rd Decade and the Berkley High School Baseball Program. His personal interests include baseball, golfing, reading, traveling, and yoga.

Dyllon Mac Dougall is a financial advisor with LPL Financial in Farmington Hills, MI, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Edward Jones and Ameriprise. Outside of his advisory work, he is the owner of DMS Games LLC, a streaming service. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions delivered through a large network of investment adviser representatives.

Jeffrey Stark is a financial advisor with Edward Jones in Milford, MI, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. He has been with Edward Jones since 1992. Outside of his advisory role, he serves as the head volleyball coach at Oakland Community College. Edward Jones is a full-service wealth management firm serving over 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, and operates under a fiduciary standard.

Sawyer Paull Baird is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services Inc and Keller Williams Realty. Outside of his advisory role, he assists an investment executive with business operations and client services and is also an independent insurance agent focusing on fixed annuity and life insurance products. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning and managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Devin Kind is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services Inc. and Clear Strategy. Outside of finance, Kind also worked as a barber for several years, cutting hair on weekends. OSAIC operates a multi-advisor platform serving retail and institutional clients, including high-net-worth individuals, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization supported by advanced analytical tools.

Stephen Krofl is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior experience includes roles at Interactive Brokers and various educational institutions. He also provides online gym programming for a single client from a past gym ownership. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and centralized operational infrastructure.