Michael Eppler is a CFP® and holds a Series 66 license with 14 years of industry experience. He has worked at &Partners, LLC since 2024 and previously spent eight years at Wells Fargo Clearing and four years at Wells Fargo Advisors, LLC. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, foundations, universities, trusts, private businesses, and corporations. The firm offers investment management, financial and tax planning, and retirement plan consulting, utilizing both proprietary and third-party strategies with ongoing monitoring and periodic reviews.

Evan Ho is a financial advisor at TIAA-CREF with 19 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2014. Ho serves as a volunteer board member on the Finance and Investment committees of the Luella Hannan Memorial Foundation, which aims to support seniors in Michigan. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs primarily to individuals with ties to TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm combines discretionary management using model and customized portfolios with fiduciary services within a vertically integrated structure.

Christopher Michalak is a CFP® with 20 years of experience in the financial industry. He is currently affiliated with Cetera Planning Partners and has held roles at multiple Cetera entities and Avantax firms. Michalak serves on local community boards in Saline, Michigan, including the CARES Board and the Local Development Finance Authority committee for the city of Saline. He is also president of Capstone Tax & Financial, a tax preparation and accounting business. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services while leveraging a diverse, document-driven investment approach matched to client objectives and risk tolerance.

Jack Mccloskey is a CFP® professional with 12 years of industry experience, currently serving at Mercer Global Advisors Inc. He previously worked at Vintage Financial Services for 11 years before joining Mercer. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s approach is based on Modern Portfolio Theory, utilizing globally diversified, risk-appropriate portfolios with multi-factor tilts, low-cost index vehicles, and tax management strategies.

Ryan Racine is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Hantz Financial Services since 2007. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed and unified managed accounts, and offers expanded implementation capabilities through affiliated trust, tax, business consulting, insurance, and mortgage services.

Justin Petersmark is a financial advisor at Private Advisor Group, LLC with three years of industry experience. He holds a Series 66 designation and has prior roles at LPL Financial LLC and Petersmark Financial Network. His background includes work in technology and academia with LEEDARSON IOT Technologies and the University of Michigan. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model that incorporates both discretionary and non-discretionary strategies through proprietary platforms and third-party managers.

William Mathers is a financial advisor with TIAA-CREF in Ann Arbor, MI, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with TIAA-CREF since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients connected through TIAA-administered retirement plans. The firm distinguishes between point-in-time planning services and ongoing discretionary management, offering customized portfolios managed under client-approved investment policies.

James Polisuk is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation and nine years of industry experience. He has been with Hantz Financial Services since 2015. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs a model-driven ETF investment approach supplemented by separately managed accounts and unified managed account solutions, and it offers a range of financial planning, portfolio management, and fiduciary services.

Rachel Doutsas is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, with 13 years of industry experience. She holds a Series 66 designation and has been with Hantz Financial Services since 2012. Outside of her advisory role, she owns and operates Modern Murals, LLC, where she creates and sells custom artwork. Hantz Financial Services serves a diverse client base, including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm utilizes model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, supported by affiliated entities offering tax, business consulting, insurance, and mortgage services.

Sharqueece Banks is a financial advisor at TIAA-CREF with 20 years of industry experience. She holds Series 63 and Series 66 designations and has been with TIAA-CREF since 2016. Outside of her advisory role, she serves as treasurer for the Metropolitan Church of God, managing budgeting and accounting functions. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management under a fiduciary standard.

Jacob Sawyer is a financial advisor at TIAA-CREF with nine years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2018. His prior experience includes roles at FSA Advisors, Inc., Independence Capital Co., Inc., and Financial Service of America. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm’s advisory model separates one-time planning from ongoing portfolio management and includes services such as donor-advised funds and customized portfolio management under a fiduciary standard.

Theresa Serafimovski is a financial advisor at TIAA-CREF with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has been with TIAA-CREF since 2011. In addition to her advisory work, she is a licensed attorney in Michigan providing general legal services through her professional limited liability company. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time financial planning services and ongoing discretionary management, utilizing model portfolios and customized strategies while adhering to a fiduciary standard.

Christopher Kemp is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation with 15 years of industry experience. He has been with Hantz Financial Services since 2010. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, business clients, and retirement plan sponsors. The firm employs model-driven ETF strategies complemented by separately managed accounts and offers a range of financial planning, wealth management, and fiduciary services, supported by affiliated entities such as a trust-only bank and in-house tax and business consulting.

Paige Smola is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation with five years of industry experience. She has been with Hantz Financial Services since 2015. Hantz Financial Services serves a diverse client base, including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm utilizes model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, and offers a range of financial planning, portfolio management, and fiduciary services.

Justin Bennett is a financial advisor at Commonwealth Financial Network with ten years of industry experience. He holds the Series 66 designation and is based in Ann Arbor, Michigan. Bennett has worked at Commonwealth since 2014, returning to the firm in 2026 after a brief period with Select Financial Services, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base including individuals and institutions. The firm offers a range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services, supporting advisors with both discretionary and nondiscretionary portfolio management options.

Bradley Turnwald is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has been with Hantz Financial Services since 2002. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, offering a range of financial planning, wealth management, and fiduciary services supported by affiliated entities such as a state-chartered trust bank and in-house tax and business consulting.

Malinda Choate is a financial advisor with Bankers Life Advisory Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 66 licenses and having 14 years of industry experience. She has been associated with Bankers Life and its affiliated entities since 2012, including roles at Bankers Life Advisory Services, Bankers Life Securities, and Bankers Life & Casualty. In addition to her advisory work, she is an insurance agent with Bankers Life and Casualty. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create and manage customized portfolios aligned with clients’ goals and risk tolerances.

Reuben Daniel is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and four years of industry experience. He has worked at Transamerica Financial Advisors since 2022 and previously at World Financial Group. In addition to his advisory role, he has an ongoing position at DXC Technology where he manages Windows systems and provides technical support. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with a range of discretionary and non-discretionary program options.

Nikola Palincas is a financial advisor at TIAA-CREF in Ann Arbor, MI, holding a Series 66 designation with three years of industry experience. His work history includes roles at Jackson National and Gardner-White Furniture, as well as positions in education at Michigan State University and Troy High School. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management using model or customized portfolios managed under fiduciary standards.

Haley Hegenauer is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. She holds a Series 66 designation and has two years of industry experience, including prior roles at Mercer Advisors and Hantz Financial Services. Hantz Financial Services serves a diverse client base, including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, with additional capabilities in insurance, mortgage brokerage, and affiliated trust and consulting services.