Andrew Zale is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial since 2010. He holds the Series 66 designation and is based in Troy, Michigan. Outside of his advisory role, Zale serves as chairman of the Safety Paths and Trails Committee and is a trustee for Oakland Township. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, third-party subadvisors, and research from LPL Research.

Sara Kellenberger is a financial advisor at Equitable Advisors in Troy, MI, holding Series 66 and Series 63 licenses with two years of industry experience. Before joining Equitable Advisors, she worked at Progressive Wealth Group and DFCU Financial, where she spent a total of 19 years. She also serves as power of attorney and co-trustee for Robert K. Kellenberger. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.

John Zekaj is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2012 in various roles. Prior to his current position, he was involved with Ferguson Enterprises and Renaissance Real Estate Investors. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

Jeffrey Farah is a financial advisor with UBS Financial Services in Royal Oak, MI, holding a Series 66 designation and possessing 10 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves on the finance committee of the Whaley Children's Center, advising on investment decisions and participating in charitable activities. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management and offering proprietary research and tailored investment strategies.

Reynaldo Arceno Jr. is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 65 and Series 66 credentials and has previously worked at firms including Wells Fargo Clearing, Ameriprise, Morgan Stanley, and TD Ameritrade. 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 plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Christie Hecht is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. Prior to joining Schwab, she worked for nine years at Ultimate Kronos Group. Outside of her financial advisory role, she occasionally writes women's fiction books and other publications. Charles Schwab & Co., Inc. serves a large client base primarily comprised of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated advisory, brokerage, and custody services with a combination of non-discretionary guidance and access to affiliated discretionary investment options.

Angelo Fontanesi is a financial advisor with Ameriprise in Farmington, MI, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise since 2010, including six years at the current firm. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling to deliver tailored, non-discretionary advice through a centralized consulting team.

Richard Jackson is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999, following his tenure with AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and multiple third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Tack Yong Kim is affiliated with LPL Enterprise and holds a Series 66 designation. He has been with LPL Enterprise since 2025 and has extensive experience in other business ventures, including marketing, operating Mikom LLC, and involvement with The Michigan Korean Weekly. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform combining advisory programs with brokerage and insurance products.

Richard Noethen is a financial advisor at Wells Fargo Clearing with 53 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. Their advisory approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Paul Zarkowski is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2023 to 2024. In his current role, Paul assists clients in creating investment plans utilizing Fidelity's tools and resources to support their financial goals both today and in the future. He emphasizes integrity and a commitment to listening and understanding his clients' situations and investment needs. Paul's approach centers on providing personalized investment strategies tailored to individual client circumstances. His experience at Fidelity Investments has equipped him with knowledge in investment consulting and financial planning. Outside of his professional work, Paul enjoys attending concerts, playing golf, watching movies, and running.

Christopher Scupholm is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Rollins College and South High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that focuses on retirement income planning through written recommendations and ongoing advice. The firm's approach incorporates proprietary investment research, third-party data, and algorithmic tools, with distinct enrollment criteria and a product ecosystem influenced by affiliated fund relationships.

Matthew Flynn is a financial advisor with Cetera in Troy, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes roles at Ameriprise, Concorde Investment Services, and L.M. Kohn & Company. He serves as a board member of the Troy Chamber of Commerce. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a nationwide network of over 10,000 advisors.

Sean Johnson is the Resident Director and Wealth Management Advisor at Merrill, where he provides financial guidance and wealth management strategies to high net worth individuals and organizations. He joined GSJ & Associates with Merrill in 2015 to enhance the services and strategies offered to clients, focusing on goals-based wealth management and strategic asset allocation. Sean holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Defiance College. Sean's client focus areas include college education planning, divorce transition planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Outside of his professional work, Sean is an Eagle Scout and values his role as a father and husband. His personal interests include camping, football, golfing, hiking, hunting, photography, singing, traveling, watching movies, and woodworking. He emphasizes a disciplined and personalized approach to financial planning, aiming to help clients build a roadmap to achieve their individual goals across different stages of life.

Andrew Spearman is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cetera Advisors LLC, SageView Advisory Group, and First Allied Securities. Outside of his advisory work, he serves as Treasurer of the Grosse Pointe Library Foundation and is a successor trustee of the Spearman Family Trust. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser that oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisors and a range of portfolio management strategies.

Rachel Maceri is a financial advisor with LPL Financial in Troy, Michigan, holding a Series 66 designation and nine years of industry experience. Her prior work includes roles at Raymond James Financial Services and Mass Mutual Investors Services, as well as operating a yoga business, Updog Yoga, where she continues to work as a substitute instructor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers. The firm offers a broad range of financial planning and advisory programs, combining proprietary research and third-party models to support diversified investment strategies.

Patrick Purczynski is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and having 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he is involved in managing his own business, PJP Ventures. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver customized, non-discretionary recommendations through a centralized consulting team.

Michael Pohlod Jr. is a CFP®-credentialed financial advisor with Ameriprise in Troy, MI, bringing 31 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of advising, he is involved in several business ventures including ownership in transportation and restaurant companies as well as real estate holdings. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, supported by centralized research and algorithmic tools, with recommendations implemented on a non-discretionary basis.

Gordon Smith is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he focuses on training associates to deliver disciplined financial plans and ensure a positive client experience. Prior to joining Fidelity Investments, Gordon served as Vice President and Market Supervision Manager at Merrill Lynch from 2012 to 2023. Throughout his career, Gordon has emphasized the importance of disciplined financial planning as a foundation for creating a comfortable financial future. His professional experience spans leadership and supervision in the financial services industry. Outside of his professional responsibilities, Gordon engages in various personal interests including family activities, fitness, hiking, reading, and swimming.

Rodrigo Gaytan Jr. is a financial advisor at Ameriprise in Troy, MI, holding a Series 66 designation with one year of industry experience. His prior work includes roles at GFL Environmental Inc., Jackson, and various entrepreneurial ventures such as Gaytan Lawn Care and Gaytan Construction Inc. He attended Michigan State University from 2021 to 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research and tax-aware withdrawal strategies for clients nearing or in retirement.