Rick Hart is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on goal-based analyses covering a wide range of planning topics and offers clients the option to combine planning with managed accounts under a consolidated billing program called "WealthPlan."

Arthur Kachur is a financial advisor with Mass Mutual Investors Services in Southfield, MI, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at The Sunshine Co, LLC and NovaTech Wireless. 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 provides financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Douglas Osborn is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include positions at Concorde Asset Management, L.M. Kohn & Company, and Asset Management Consulting Group LLP. Outside of his advisory work, he serves on the finance committee of St. Joseph Catholic Parish, which oversees significant parish expenditures. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory support to deliver these services, emphasizing the use of Ameriprise-managed accounts and affiliated investment products.

Douglas Householder is a financial advisor at Merrill with three years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His work history includes roles at Bank of America, N.A. and Merrill, where he has been since 2000. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raphael Salim is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2021. Prior to this, he was employed at JPMORGAN Chase Bank, N.A. and Sunoco. Salim is also a partner in P&R Management LLC, a real estate business. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis and combines institutional advisory operations with broker-dealer and investment adviser registrations.

Elinor Ho is a ChFC® credentialed financial advisor with over 31 years of industry experience. She currently works with OSAIC and has previously held positions at Securities America Advisors, Inc., Securities America, Inc., and LPL Financial. Outside of her advisory work, she serves as Vice President of Finance for the Organization of Chinese Americans, where she oversees budget and accounting functions and participates as an observer on the investment committee. OSAIC serves a wide range of retail and institutional clients through its extensive network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple third-party platforms to manage portfolios that include diverse investment vehicles.

Jessica Woodward is a financial advisor with Wells Fargo Clearing in Dundee, MI, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2003 to 2016, and Prudential Securities since 2000. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

John Duncan is a financial advisor with Fidelity Investments in Ann Arbor, MI, holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with Fidelity since 2007, including seven years with Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified portfolios, including funds and model portfolios for intermediary platforms.

Murphy Salgat is a financial advisor with Ameriprise Financial, holding a Series 66 designation and based in Ann Arbor, MI. He has one year of experience in the financial industry, previously working at Farm Bureau Insurance and several companies outside the financial sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Christopher Rueger is a financial advisor with LPL Financial holding a Series 66 designation and 25 years of industry experience. His prior firms include L.M. Kohn & Company, Edward Jones, and National Planning Corporation. He is also involved with Pilot Wealth Management, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning, model portfolio programs, third-party asset management, and institutional investment platforms.

Jacob Prince is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. He has held positions at several firms including Axtella and Bas Rouge prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. Its investment approach combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Larry Folmar is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. His career includes roles at Cetera Wealth Services, Summit Financial Group Inc, and Summit Brokerage Services Inc. Outside of advising, he serves as a pastor at Sharon Community Church and teaches biblical stewardship principles through Stewardship Ministries. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform with various portfolio management and advisory services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

Zaman Ali is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019. Prior to that, he worked at JPMorgan Chase Bank, N.A. and was involved with the Bint Jebail Cultural Center for nine years. Outside of his advisory role, Ali creates videos on YouTube discussing human development and personal lifestyle topics in Arabic. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Brian Schrag is a CFP® professional with 35 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2010 to 2016. He is based in Ann Arbor, MI, and holds Series 63 and Series 66 licenses. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gary Van Allen is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 designations. He has 16 years of industry experience, including 10 years at J.P. Morgan Securities and Jpmorgan Chase Bank in Michigan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence, applies an ESG eligibility framework, and delivers services on a non-discretionary basis.

Ross Wingert is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions with Edward Jones, Securian Financial Services Inc, and Minnesota Life Insurance Co. Outside of his advisory work, he coaches a high school wrestling team and volunteers for community fundraisers related to local school initiatives. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a variety of portfolio management and financial planning services through a multi-manager platform.

Javier Cuadrado Lopez is a financial advisor with Wells Fargo Advisors in Plymouth, MI, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked in educational roles at several institutions, including Oakland Community College and Washtenaw Christian Academy. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad menu of planning options such as retirement, education, business-owner transition, and special-needs planning. The firm uses proprietary research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Evan Bloom is a financial advisor at Edward Jones in Ann Arbor, MI, holding a Series 66 designation. He has prior experience at Plante & Moran PLLC, Hantz Tax & Business, and Doeren Mayhew & Co., P.C. before joining Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Matthew Parker is a financial advisor at Edward Jones in Ann Arbor, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Noodle Partners, PBC and Michigan Medicine in roles outside the financial advisory field. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Roman Kisz is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones, Dymatize Enterprises, Slammin Salmon Inc, and TK Engineered Plastics. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides customized retirement income planning through written Recommendation Reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.