Melannie Kleven is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017 and previously at PNC Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and offers non-discretionary advisory services through a select group of Wealth Advisors.

Keith Hatton is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Merrill and Bank of America since 2015. 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dwight Diener is a financial advisor with Ameriprise in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Diener serves on the Board of Directors for the Bloomfield Historical Society and the Bloomfield Township Library. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kevin Ferhadson is a financial advisor with Ameriprise in Rochester, MI, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he oversees operations and strategic direction for True Team Operations, LLC, a business supporting his financial planning practice. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities, employing a centralized consulting team that uses research and modeling to deliver tailored, tax-efficient retirement income recommendations.

John Steves is a financial advisor with Ameriprise in Clarkston, MI, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to develop written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Darryl Deriemacker is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63, 65, and 66 designations and bringing 21 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Michael Tocco is a financial advisor with Ameriprise in Sterling Heights, MI, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior work includes positions at Merrill, Morgan Stanley, J.P. Morgan Securities, and an earlier tenure at Ameriprise Financial Services. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured, algorithm-supported process to generate personalized retirement income plans.

Jason Victor is a financial advisor at Edward Jones in Mount Clemens, MI, holding Series 63 and Series 66 credentials with two years of industry experience. Prior to joining Edward Jones in 2024, he worked in the automotive industry for over a decade with Jim Riehl's Friendly Automotive and Golling Automotive Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Stephen Cooper is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery conversations and advanced modeling tools, serving clients through a range of services including Corporate Financial Planning agreements.

Christopher Malley is a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he develops personalized financial strategies tailored to each client's unique goals and changing market conditions. He provides access to Merrill's investment insights along with banking and lending solutions from Bank of America. His areas of expertise include college education planning, corporate executive services, executive compensation, family wealth management strategies, divorce transition planning, and corporate retirement plan services. Christopher holds a Bachelor's Degree from Albion College and holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Christopher is committed to understanding what matters most to his clients in order to design customized wealth management approaches that pursue long-term financial goals while managing investment risk. He also participates in community service through volunteering, reflecting Merrill’s tradition of community involvement. Outside of work, his personal interests include adventure sports, boating, golfing, skiing, and swimming.

Lauren Bayless is a financial advisor with Primerica Advisors in Richmond, MI, holding Series 65 and Series 63 licenses and five years of industry experience. She has worked with PFS Investments Inc., Primerica Financial Services, St. Clair County Community College, and McLaren Port Huron. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party asset managers and custodians.

Bryan Kohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in financial services in 2009, he has concentrated on assisting high-net-worth individuals in integrating various aspects of their financial lives. Bryan collaborates closely with clients to design and implement wealth management strategies that address both short- and long-term goals, including college education planning, retirement preparation, legacy planning, and family wealth management. Bryan takes a holistic, client-focused approach to financial planning, seeking to understand clients' goals and financial situations thoroughly to provide tailored guidance. He builds networks with other professionals to ensure comprehensive support for his clients and emphasizes principles of integrity, dedication, accountability, and customer service. Bryan holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Western Michigan University. Outside of his professional role, Bryan enjoys basketball, football, ice hockey, running, cooking, traveling, watching movies, and spending time with his family.

Damon Brown is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He helps clients protect and grow their wealth through personalized investment strategies and advice, adapting to changing market conditions. Damon manages discretionary portfolios, selecting from Merrill Lynch model portfolios and third-party strategies to pursue client objectives. Damon holds a Bachelor's Degree from Western Kentucky University and completed the Accredited Certificate Program at the University of Michigan System. He has earned professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). His involvement extends to professional and community organizations such as the Detroit Young Professionals, Warwick Hills Homeowners Association where he serves as President Emeritus, the Grand Blanc Township Board of Trustees as a Trustee, and the Western Kentucky University Alumni Board's Young Alumni Council. From a young age, Damon demonstrated interest in financial management, balancing his family budget and setting savings goals. Outside of work, he enjoys baseball, basketball, boxing, cooking, fishing, football, golfing, horseback riding, hunting, and spending time with his family. Damon is committed to establishing strong relationships with clients and assisting them in making important financial decisions related to retirement, education, business, real estate, and legacy planning.

Stephen Nofs is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management. He is co-founder of the Nofs Oprinski Group and serves as its lead investment strategist. Stephen specializes in providing wealth management strategies for uniquely successful families, business owners, physicians, and non-profit organizations. He collaborates closely with research analysts and portfolio managers to offer investment guidance based on strategic and tactical asset allocation and portfolio construction, supported by the group's Goals-Based Investing approach. Stephen attended Eastern Michigan University on a full athletic scholarship for football and earned a Bachelor of Science degree. He later worked in various roles within the Department of Justice for ten years, receiving recognition such as Officer/Agent of the Year in 1991. He subsequently obtained a Master of Business Administration (MBA) from the University of Phoenix before joining Merrill Lynch in 2000. From 2006 to 2021, he served as Resident Director of the Clinton Township Merrill Branch. Stephen holds multiple professional credentials including Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA®), Certified Plan Fiduciary Advisor (CPFA®), Chartered Retirement Planning Counselor (CRPC™), and Chartered Retirement Plans Specialist (CRPS™). He also maintains various FINRA registrations and life insurance licenses. Outside of his professional career, Stephen enjoys boating, football, music, reading, running, traveling, and spending time with his two children.

Alison Moffatt is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies tailored to the goals, values, and visions of her clients. Her work focuses on a broad range of areas including college education planning, family wealth management, legacy planning, philanthropic planning, and retirement income strategies. Alison began her career in wealth management in 1996 with Morgan Stanley's Private Client Services group in New York City, where she gained experience serving ultra-high-net-worth families. She later expanded her expertise at a boutique Registered Investment Advisor in Stamford, Connecticut before returning to Michigan in 2020 to continue advisory work at UBS Wealth Management in Farmington Hills. Alison holds a Bachelor of Business Administration degree from the University of Notre Dame's Mendoza College of Business and maintains the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She is a member of the Merrill Lynch Women's Exchange and the Michigan Womens Tax Association. Outside of her professional work, Alison is involved with community organizations including the Darien Nature Center, Detroit Catholic Central Mothers Club, FOCUS Hope, and Guiding Eyes for the Blind. She enjoys golfing, horseback riding, ice hockey, pickleball, reading, tennis, traveling, and spending time with her family.

Edyta Carter is a Series 66-licensed financial advisor at Merrill with 18 years of industry experience. She has worked at Merrill Lynch since 2008 and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Roger Betcher Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior positions include roles at Securities America Advisors, The O. N. Equity Sales Company, and Ohio National Financial Services. He is the founder and president of Meagan's Way, a nonprofit organization. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering brokerage and advisory services with a focus on integrated portfolio construction and access to third-party money management solutions.

Christopher Oliver is a financial advisor with Ameriprise in Troy, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Ameriprise since 2009 and previously spent over two decades at Olde Discount Corporation. Outside of his advisory role, he manages a rental property business. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers personalized reports through a centralized consulting team.

Matthew Hasse is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2012, with additional experience at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrew Krochalk is a Series 66-credentialed financial advisor with 16 years of industry experience. He has worked at J.P. Morgan Securities since 2025 and previously spent nine years at TIAA-CREF. J.P. Morgan Securities LLC 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.