Kelly Crystal is the Senior Resident Director at Merrill, having joined the firm in 2009 as a Financial Advisor. With a focus on personalized financial strategies, Kelly collaborates closely with clients to address their long-term goals across various areas including retirement planning, college education funding, estate issues, business strategies, and life insurance needs. Her approach emphasizes providing outstanding service and education while staying attuned to changes in clients' family and business circumstances. Kelly holds a Bachelor's Degree in Finance from Michigan State University and a Master's Degree in Business Administration from Walsh College. Her prior experience includes ten years in Treasury and Finance within the automotive industry. She has earned professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Davison with her husband and three children, Kelly is active in community organizations including the American Red Cross-East Central Bay, the Grand Blanc Rotary Club, the Flint Women's Forum, and the Michigan State Genesee County Alumni Association. She serves on the Board for the American Red Cross-East Central Bay Chapter and as an advisory committee member for the Community Foundation Women and Girls Fund. Kelly enjoys spending time with her family, traveling, and coaching youth sports.

Jacob Lee is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has prior experience at institutions including Grand Valley State University and Blue Cross Blue Shield of Michigan. Lee is also involved with Total Benefit Systems, a non-variable insurance business. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and various portfolio management technologies.

Alex Minarik is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their Wealth Management teams to develop, implement, and maintain comprehensive financial plans aimed at maximizing their relationship with Fidelity. He joined Fidelity in 2025 and brings a client-focused approach to financial planning. Prior to his current role, Alex gained experience as a Financial Advisor at LPL Financial in 2024 and as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith from 2022 to 2024. He began his career as a Private Client Banker at JPMorgan Chase Bank, N.A. from 2018 to 2022, building a foundation in client relationship management and financial services. Outside of his professional work, Alex has interests in comedy, golf, and music.

Travis Schlatter is a financial advisor at Edward Jones with four years of industry experience and a Series 66 designation. He has worked at Edward Jones since 2019 and previously held positions at Keynote Financial Services and various educational institutions. Outside of his advisory role, Schlatter serves as president of Schlatter Rentals LLC, managing rental property activities in Bay City, MI. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, investment strategies, and affiliated financial services through a nationwide network of advisors and branch offices.

Alecia Agnew is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She previously worked at several firms, including Gregory Bruff, Martin Maier, MMB Associates, Gerald Morse, and Waddell & Reed. Agnew is also a licensed notary in Chesaning, Michigan. LPL Financial is a registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services supported by model portfolios and research from multiple sources.

Bryan Bender is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2020. He focuses on helping clients develop and implement comprehensive financial plans aimed at achieving predictable outcomes and providing control over their financial futures. Bryan's professional experience is centered on delivering financial consulting services, leveraging his expertise to assist clients in navigating their financial goals. Outside of his professional role, he enjoys baseball, boating, family activities, music, outdoor adventures, and tennis.

James Lang is a financial advisor with Ameriprise in Grand Blanc, MI, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Ameriprise since 2005. Lang serves as Vice President and sits on the Board of Directors for the Grand Blanc Baseball Club. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations through a centralized consulting team.

Mark Mikolajczak is a financial advisor with Wells Fargo Clearing in Flint, MI, holding Series 63 and Series 65 registrations and possessing 50 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party data.

Matthew Maldonado is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Huntington National Bank, and held roles at Michigan State University. He also serves in the Michigan Army National Guard. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a variety of investment services.

Mark Grantham is a financial advisor with Morgan Stanley Wealth Management in Grand Blanc, Michigan. He holds Series 63 and Series 66 licenses and has 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his advisory work, Grantham serves as a basketball and football official for the Michigan High School Athletic Association and is a licensed minister who officiates weddings and funerals. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and comprehensive investment research.

Michael Kopko is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2007. Kopko is also a Notary Public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning, advisory programs, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Jacob Klocek is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2021, following prior roles at Bankers Life Securities and Bankers Life & Casualty. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, involvement in commodity pool operations, and advisory roles to multiple registered investment companies.

Brittany Waterson is a financial advisor at LPL Financial with 14 years of industry experience. She holds the Series 66 designation and has been with LPL Financial since 2008, including her current role starting in 2019. 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, model portfolios, and retirement plan consulting.

Kimberly Strnad is a financial advisor with Edward Jones in Flushing, MI, holding a Series 66 designation and bringing 26 years of industry experience, including 25 years at Bois Insurance Agency Inc. She currently serves as an elected school board trustee and vice president of Flushing Community Schools. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Cole Stephens is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has worked previously at Hantz Group and Keller Williams. In addition to his advisory role, he is licensed as a life and health agent, selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Kelly Morrison is a Series 66-licensed financial advisor with eight years of industry experience, currently with Stifel Nicolaus & Co Inc since 2020. Prior to joining Stifel, Morrison worked at Wells Fargo Clearing and Capital Group. Outside of work, Morrison serves on several local boards in Owosso, MI, including the Memorial Healthcare Foundation, the Owosso High School CTE Advisory Board, and the Rotary Club of Owosso. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Anna Christensen is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she joined as a financial advisor in 2020. She has been part of the Storozhenko Group since January 2021. Prior to her current role, Anna spent seven years at JPMorgan Chase, focusing on serving high net worth families. She holds Series 7 and Series 66 FINRA registrations and the Personal Investment Advisor designation. Anna's expertise includes liquidity management, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. She assists with performance analysis of various asset classes and provides client education across multiple generations. Her approach involves understanding her clients' financial situations and goals to design and implement customized wealth management strategies that address investment risk and support personal financial objectives. Anna earned a High School Diploma from Millington High School and an Associate's Degree from Mott Community College. In addition to her professional work, she is involved with the Food Bank of Eastern Michigan. Her personal interests include gardening, reading, running, spending time with family, and traveling.

Amber Griffin is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021, following five years at Ameriprise Financial Services Inc. 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 and profit-sharing plans, corporations, and charitable organizations.

Jake Swartz is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity in various roles since 2022, including Investment Consultant and High Net Worth Service Associate. Prior to his tenure at Fidelity, Jake worked as a Financial Advisor at Equitable Advisors from 2020 to 2022. Jake approaches financial planning with a focus on client service, emphasizing the importance of developing strong relationships by understanding individual client needs and goals. He works collaboratively with clients to create personalized financial plans and is dedicated to helping clients achieve efficient and well-thought-out financial strategies. Outside of his professional work, Jake has personal interests that include boating, fishing, golf, hiking, outdoor adventures, and spending time with his pets.

Jay Momber is a Financial Consultant who collaborates with clients to support informed and confident financial decision-making. He emphasizes removing uncertainty about portfolio performance relative to clients' financial goals through structured planning and scenario-based analysis. This approach includes making disciplined adjustments to align with market changes and clients' evolving life circumstances. Jay's professional experience includes roles at Fidelity Investments, where he served as a Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, Financial Representative from 2022 to 2023, and High Net Worth Associate from 2021 to 2022. Prior to that, he worked as an Agent at Equitable Advisors from 2019 to 2021. Outside of his professional work, Jay has interests in fishing, fitness, football, golf, and movies.