Thomas Wloch is a financial advisor with Osaic Wealth, Inc. in Trenton, MI, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Prior to joining Osaic in 2022, he worked at Hantz Financial Services for 12 years. Outside of his advisory role, he is involved in managing tax planning and investment-related activities through his own entities, including Redsky Financial LLC and Redsky Tax LLC, and serves as a trustee and financial power of attorney for his parents. Osaic Wealth, Inc. serves a diverse set of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment products.

Ronald Rippon is a financial advisor with Primerica Advisors in Flat Rock, MI, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Primerica Advisors, he worked at Primerica Financial Services, Visteon, and Valeo. In addition to advisory services, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services using model-based strategies managed by unaffiliated asset managers and supported by custodial services from Pershing.

Tiffany Long is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 credentials. She has one year of industry experience and previously worked at Primerica Financial Services and PFS Investments Inc. Outside of advising, she has involvement in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven strategies managed by third-party asset managers.

Jeanette Kowal is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at DFCU Financial, CUSO Financial Services, Protective Life, ProEquities, and Sunamerica Retirement Markets. She is currently affiliated with DFCU Financial Partners, a business related to her LPL activities. 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 provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Nitish Kulkarni is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, Citizens Bank, and United Wholesale Mortgage. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kenneth Lundquist Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously held roles at Sii and Cco Investment Services Corp. Outside of his advisory work, he is involved as an agent with Allen Wealth Strategies, focusing on smaller death benefit insurance cases and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party investment solutions to manage portfolios across a broad range of securities.

Donald Andrysiak is a financial professional at Cetera with Series 63 and Series 66 credentials and one year of industry experience. He has worked at Cetera and related entities since 2020, and previously held positions outside of finance, including roles in landscaping and golf club management. He is also associated with Economic Financial Services, a financial services DBA. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services with various program structures and custodial relationships.

Steven Johnson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank NA since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Peter Nanasi is a CFP®-certified financial advisor with Ameriprise, bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he has translated a book titled *Love and Loss: Tales from Hungary* into English and made it available through print-on-demand. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Edward Smith is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and has 38 years of industry experience. He has worked at Prudential Insurance Company of America since 1987 and joined LPL Enterprise in 2024. Smith serves as Rotary District Governor Nominee Designate for Rotary District 6400. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a variety of financial products, combining advisory services with insurance offerings through an affiliated agency.

Joshua Seegert is a financial advisor with OSAIC in Monroe, MI, holding a Series 66 designation and three years of industry experience. He previously worked at Woodbury Financial Services Inc and has operated his own CPA firm, Joshua L Seegert & Company PLLC, since 2015, providing tax and bookkeeping services. He is also involved in life insurance sales, offering life insurance and annuity products. OSAIC serves a wide range of clients, including individual investors, institutions, and charitable organizations, through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizing asset allocation tools and third-party platforms to manage diverse portfolios.

Kim Crock is a financial advisor with Primerica Advisors in Flat Rock, MI, holding Series 65 and Series 63 licenses and bringing 30 years of industry experience. She has been with Primerica Advisors since 1996 and with Primerica Financial Services since 1995. Primerica Advisors is a large firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers and supported by third-party custody and trade execution services.

Daniel Byrd II is a financial advisor with Merrill in Wyandotte, MI, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. He has worked at Merrill since 2018, following prior roles at Ameriprise Financial Services and National Planning Corporation. Byrd serves as a successor trustee for a discretionary trust based in Howell, Michigan. 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, and institutions, including pension plans and charitable organizations.

Christopher Lowry is a CFP® professional with 18 years of industry experience, currently affiliated with OSAIC since 2018. Prior to joining OSAIC, he worked for Signator Investors Inc for 10 years. He serves as Director of Retirement Strategies for Retirement Strategies of Michigan, a sole member LLC involved in retail securities and insurance products. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, offering both discretionary and non-discretionary account management.

John Daly is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His prior roles include positions at Jfr Financial Services, LPL Financial, and New York Life. Daly serves on the boards of Beaumont Hospital in Trenton, MI, and The Guidance Center, reflecting involvement in community organizations. He is also president and CEO of Benefit Plan Strategies LLC, a group employee benefit sales and consulting firm. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model combining advisory, brokerage, and insurance services tailored to client goals and risk profiles.

Craig Hammond is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works with clients to understand their financial objectives and develops personalized investment strategies to help pursue their goals. He also provides access to Bank of America's banking and lending services. Craig holds a Bachelor's Degree from the University of Michigan System and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach centers on uncovering what matters most to clients and their families to inform financial planning and investment decisions.

Jordan Seegert is a financial advisor at Osaic with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services Inc. and SII Investments, Inc. In addition to his advisory role, he is licensed to sell life insurance, including term life and fixed annuities. Osaic Wealth, Inc. serves a diverse client base, including individual, high-net-worth, institutional, and charitable clients, through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, employing advanced asset-allocation tools and offering access to multiple investment platforms and third-party managers.

Justin Thomas is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He has been with J.P. Morgan Securities since 2017 and has also worked at JPMorgan Chase Bank, N.A. since 2014. He holds Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Corrine Clark is a financial advisor at Osaic with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Osaic since 2020, with prior experience at CCO Investment Services Corp beginning in 2010. Outside of her advisory role, she is involved with Allen Wealth Strategies, where she manages account relationships and assists with investment paperwork. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated financial advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a wide range of securities managed on either a discretionary or non-discretionary basis.

Kevin Seegert is a financial advisor at OSAIC with over 42 years of industry experience. He holds a Series 63 designation and previously worked at Woodbury Financial Services Inc. and SII Investments Inc./Seegert & Seegert Financial Advisors. Outside of his financial career, he serves on the board of directors for Nations Light Ministry and is chairman of the board for D&P Communications. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diverse portfolios, and provides access to third-party money managers and model solutions.