Mark Down is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he operates a handyman business specializing in small engine repair, lawn mowing, and debris removal. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.

Jason Brown is a financial advisor with OSAIC in Flint, MI, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has worked at OSAIC since 2007 and previously at Financial Planning Advisory Corp from 2014 to 2016. Brown also serves as administrative personnel at Financial & Tax Planning Inc., supporting the financial planning company and its registered representatives. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage, advisory, and financial planning services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes, supporting both discretionary and non-discretionary accounts.

Scott Nicholas is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Ameriprise since 2009, serving in various capacities within the firm. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Bianca Adamo Leece is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2003. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Alexander Bowden is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he worked at Kalamazoo College Fitness Wellness Center and Kalamazoo College, and held positions at Dr. Wax Orthodontics and Flushing School District. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations.

David Terrian is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 33 years of industry experience. His background includes long-term roles at PFS Investments Inc. and Primerica Financial Services, as well as experience outside finance working in healthcare and travel. He also serves as a Registered Nurse in the U.S. Army Reserves. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale with approximately 3,948 advisors and $15.5 billion in assets under management, delivering investment strategies primarily through model-driven recommendations.

Keith Holzwarth is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Stifel Nicolaus & Co Inc since 2017, following a one-year tenure at Wells Fargo Clearing. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Michael Bareither is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has worked with Raymond James since 2010 and has prior experience in real estate dating back to 2005. In addition to his advisory role, he is also an agent involved in fixed annuities and term life insurance. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, along with specialized municipal advisory and SIMPLE IRA consulting services.

Phillip Guerra is a financial advisor with Morgan Stanley, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for 13 years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. in 2025 and 2026, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Sarah Novak is a financial advisor at LPL Financial with 25 years of industry experience. She holds the Series 63 and Series 66 licenses and has previously worked at The Huntington Investment Company and Chase Investment Services Corp. Outside of her advisory work, she provides caregiving for her mother and works as a tax preparer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, utilizing strategic and tactical investment approaches supported by research and technology tools.

Anthony Lauzon is a financial advisor at Stifel with 35 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes nine years at Ameriprise Financial Services before joining Stifel Nicolaus & Co Inc in 2018. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

David Hood is a financial advisor with Stifel in Owosso, Michigan, holding a Series 66 designation and six years of industry experience. He previously worked at Wells Fargo Clearing and Serra Traverse City, and served at Northwood University. Outside of his advisory role, Hood is actively involved in his community as a volunteer firefighter and holds multiple nonprofit board positions, including vice president of the Shiawassee Goodfellows. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning, while clients retain discretion over implementation.

Benjamin Burgoyne is a financial advisor at Stifel in Owosso, MI, holding a Series 66 designation with one year of industry experience. Outside of his advisory role, he works as a Public Safety Officer at Sandy Pines Recreational Community, a seasonal campground serving families and retirees. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and planning methodologies.

Jeffrey Snider is a financial advisor with Mass Mutual Investors Services in Flint, MI, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with MML Investors Services and Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory role, he is involved in life and health insurance sales through his own business, Jeff Snider Financial. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools, focusing on investment strategies rather than specific product recommendations.

Sean O'Guinn is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and has been in the industry since 2026. His previous work experience includes roles at Integrity Home Health Care, Qualified Staffing, and Trialon Corporation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Andrew Atherton is a financial advisor with OSAIC based in Flint, MI, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Woodbury Financial Services, Inc. and Questar Asset Management/Questar Capital Corporation. Atherton owns Encompass Tax & Investment Group LLC, which provides tax preparation and accounting services for individuals and businesses. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services supported by multiple platforms and third-party managers. The firm employs a range of portfolio construction tools and manages accounts on both discretionary and non-discretionary bases.

Timothy Bright is a financial advisor with LPL Financial in Swartz Creek, MI, holding a Series 66 designation and 21 years of industry experience. His prior firms include J.P. Morgan Securities and Chase Investment Services Corp. He also operates Bright's Tax Service, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools and a broad set of financial products.

David Newbill is a CFP® professional affiliated with Cambridge Investment Research Advisors, with 28 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he serves as a Planning Commission Board Member in Groveland Township, Michigan. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform options tailored to client objectives.

Jillian Dedic is a financial advisor with Wells Fargo Advisors in Owosso, MI, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She previously worked at Wells Fargo Clearing before joining her current firm. She is also a 15% owner of Parson Management LLC, operating under Parson/Dedic Wealth Management Group. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions, offering a broad range of planning options including retirement, education, and niche services such as business-owner transition and special-needs analysis. Advisors use firm research and tools to develop tailored recommendations delivered through meetings and client summary letters.

Andrea Attwood is a financial advisor at Stifel with 15 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2017 and previously worked at Wells Fargo Clearing for one year. Andrea holds a Series 66 designation and is also a Notary Public. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodology developed by its Investment Strategy Group.