Joseph Prechtel is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has previous experience at firms including VMG Health, T. Rowe Price, and Prudential Financial. Outside of his advisory role, he operates a business under the name At Aspen LLC. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm utilizes LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions, with a regulatory asset management mix of discretionary and non-discretionary accounts.

Jennifer Galey is a CFP® professional with 14 years of experience, currently with Ameriprise in Troy, MI. She has been with Ameriprise and its affiliated entities since 2010, including a role at Key Management Group from 2010 to 2018. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Sally Hawk is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. She has been associated with Gordon Financial Advisory Services since 2002 and has operated a tax preparation and accounting business as a CPA since 1996. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing research and model portfolios from multiple sources, including proprietary and third-party providers.

Lauren Ruggirello is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her work history includes multiple roles at Merrill and Bank of America, as well as positions outside the financial services sector. 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 a range of individual and institutional clients.

Rebecca Glaeser is a financial advisor at Merrill with 8 years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America, N.A. since 2003. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Potter is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in managing a restaurant and bar business in Ferndale, MI, and serves as Managing Director of Generational Consulting Services, LLC, which provides payroll and business account services. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, delivering tailored recommendation reports that incorporate detailed income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to support clients, emphasizing managed accounts and utilizing algorithmic tools overseen by dedicated committees.

Todd Hoover is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He previously worked at National Planning Corporation for 10 years before joining LPL Financial in 2017. Hoover also serves as a non-variable insurance agent and operates Hoover Financial Services, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Wade Masen is a financial advisor with LPL Financial, holding a Series 63 designation and over 40 years of industry experience. He has held roles at Sigma Planning Corporation, Sigma Financial Corporation, and Masen, Frantz & Associates before joining LPL Financial in 2023. Outside of his advisory work, Masen is involved with WMS LLC, a non-variable insurance business. 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 range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment management technologies.

Kurt Schuster is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial since 2010. He also owns and operates Qolity Tax, a personal income tax preparation and advisory business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and brokerage services supported by research and various investment management approaches.

David Gardiner is a Wealth Management Advisor at Merrill Lynch Wealth Management. With a background as an analyst and experience since 2009 in financial advisory, David focuses on building comprehensive family office solutions tailored to each client's unique financial landscape. He integrates a disciplined method centered on behavioral finance to support the vision, purpose, and implementation of clients' financial goals. David's expertise encompasses family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's degree from Northwood University and has completed executive education at the Yale School of Management and The Catholic University of Michigan. David is a CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and a Personal Investment Advisor (PIA). Beyond his professional responsibilities, David serves on community boards including the Priests' Pension Board of the Archdiocese of Detroit and is involved with St. Joseph Lake Orion. He resides in Lake Orion, Michigan, with his wife Elizabeth and their two children.

Harrison Bowman is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Cambridge Investment Research, Inc. for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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, utilizing model portfolios and research from various sources.

Michael Teller is a financial advisor with J.P. Morgan Securities in Bloomfield Hills, MI, holding a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he worked at Equitable Financial Life Insurance and Equitable Advisors, LLC. Outside of his advisory role, he has been involved in coaching soccer through Coerver Coaching for over ten years. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Julie Groulx is a financial advisor with LPL Financial in Oxford, MI, holding Series 63 and Series 66 designations and over 31 years of industry experience. She has been with LPL Financial and its predecessor firms since 1997. Outside of her advisory role, she is involved with Velovita, a nutritional company based in Plymouth, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Anthony Layne is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has held various roles in both financial services and other sectors, including positions at Grubhub, DoorDash, and Michigan State University. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, providing detailed written Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines automated and personalized approaches to deliver retirement income strategies primarily for clients maintaining assets within Ameriprise-managed accounts.

David Ballantyne is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including Kovack Advisors, Kovack Securities, and CUSO Financial Services. Outside of his advisory role, he also operates Ballantyne Insurance Group, an insurance agency, and is a commissioned notary in Michigan. 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 broad range of financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Nicholas Patrico is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 15 years of industry experience. He has worked at Raymond James since 2016 and previously was with Morgan Stanley beginning in 2012. Outside of his advisory role, Patrico is the owner of Geneva Contracting and Development LLC, a business focused on real estate acquisition, rental, and construction contracting services. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering a range of financial planning and advisory services supported by diverse investment strategies and in-house research.

Nisha Doshi is a CFP® professional with 22 years of experience in the financial industry. She is currently with OSAIC since 2018 and previously worked at Sii Jhfn for nine years. Doshi is also the managing partner of Doshi & Associates, CPA, PLLC, providing accounting services. She serves on the Board of Directors for the George P. Way Elementary School Parent Teacher Organization. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisors, utilizing various asset-allocation tools and third-party platforms to construct portfolios tailored to client needs.

Michael Tyranski is a Wealth Management Advisor and Managing Director affiliated with Merrill Lynch Wealth Management. With over 29 years of tenure at Merrill Lynch, he serves as the senior partner of a Wealth Management team, focusing on family wealth management strategies, personal retirement planning, and portfolio management services. He holds a Bachelor’s degree in Finance from Michigan State University's School of Business, earned in 1988. Michael is also a CERTIFIED FINANCIAL PLANNER® professional and a Personal Investment Advisor (PIA). Raised in Royal Oak, Michigan, he currently resides in Birmingham, Michigan with his wife and three children. Michael is actively involved in his community, serving as President of the Brother Rice High School Endowment Fund, and has previously held treasury roles with the Gift of Life of Michigan and the Torch Lake Protection Alliance. Outside of his professional work, Michael enjoys football, spending time with his family, and surfing.

Sandra Mcconnell is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has been associated with Bank of America and Merrill since 2012. Outside of her advisory role, she is a 50% owner and member of an LLC managing a future rental property investment. Merrill, along 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric Chandler is a financial advisor with Morgan Stanley in Rochester, MI, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate agreements.