Allen Olender is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Olender serves as a trustee for multiple family and friends' investment-related trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Mark O'Donnell is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Bloomfield Hills, Michigan. Since joining Merrill in 2000, he has concentrated on developing long-term relationships and assisting clients with various aspects of their financial lives. Mark provides a broad array of services, including portfolio development, 529 college investing plans, home mortgages, home equity lines of credit, securities-based loans, commercial loans, retirement plans, tax minimization strategies, and asset preservation with an emphasis on annuities to help secure retirement income. In his role as a Senior Portfolio Advisor, he manages discretionary custom investment strategies and selects from Merrill model portfolios and third-party investment options. Mark holds a bachelor's degree in General Studies from the University of Michigan at Ann Arbor and an MBA with a concentration in finance from Wayne State University in Detroit. He has earned the Chartered Retirement Planning Counselor (CRPC) designation and holds Merrill’s internal titles of Wealth Management Advisor and Senior Portfolio Advisor. His professional credentials include Series 7 and 66 FINRA registrations, life insurance licensing, and mortgage loan originator licensing (NMLS ID 535537). Residing in Birmingham, Michigan, Mark lives with his wife Barbara and their sons, Connor and Liam. He participates in community activities such as volunteering and is involved with organizations including the Pierce Elementary PTA in Birmingham and local initiatives like the Boy Scouts and baseball.

Daniel Milnamow is a financial advisor at Ameriprise with 29 years of industry experience. He holds the CFP® and Series 63 designations and has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory role, he works as a paraplanner for Furlotte Consulting Group LLC. Ameriprise offers a retirement-income planning service aimed at individuals with significant investable assets, providing detailed recommendation reports that include income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation in its advisory process and offers a broad range of advisory, brokerage, and insurance solutions.

Scott Holmes is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Dearborn, Michigan. Since beginning his career in the financial services industry in 2006 following his graduation from the University of Detroit Mercy with a Bachelor of Science in Business Administration, Scott has specialized in providing tailored financial strategies to individuals, families, and business owners. He focuses on a goals-based wealth management approach, utilizing a disciplined process to develop investment strategies that manage risk while addressing clients’ unique circumstances. Scott is qualified as a Senior Portfolio Advisor and works with a team to coordinate comprehensive financial services that include portfolio management, retirement planning, and business strategies. Scott’s expertise encompasses education planning, family wealth management, liquidity management, retirement income, and services for endowments, foundations, and non-profits. He also collaborates with other professionals, including tax advisors, attorneys, insurance specialists, and a Wealth Management Lending Officer from Bank of America, N.A., to provide clients with a full range of financial solutions such as estate planning and home financing guidance. Scott is a Personal Investment Advisor (PIA) and holds NMLS ID 1332821. In addition to his professional commitments, Scott is involved in his community through Kiwanis International, specifically participating in the Kiwanis Club of Shorewood. Outside of work, he enjoys boating, golfing, hiking, music, traveling, and spending time with his family.

Mark Steinberg is a CFP® with 26 years of experience in the financial industry. He is currently with RBC Capital Markets and City National Bank, having previously spent 20 years at UBS. Steinberg serves on the board of directors for Huron Valley Sinai Hospital, participating in governance and policy decisions. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients' risk profiles through a combination of in-house and third-party investment managers.

Raymee Johnson is a financial advisor with LPL Financial in Livonia, MI, holding Series 63 and 65 licenses and with 24 years of industry experience. Since 2012, she has operated as an independent financial advisor affiliated with LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations, offering a range of financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives.

Kristen Dunn is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2001. Outside of advisory work, she owns Kristen Dunn and Associates, LLC, which operates for Primerica business purposes and involves sales of non-investment home-related products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers for its investment models.

Blake Karcher is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has five years of industry experience and has worked with MassMutual Life Insurance Company and Mass Mutual Investors Services. Outside of his advisory role, Blake has been involved with Warriors Elite Lacrosse and operated Karcher Industries and Karcher Agency. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Phillip Serra is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Serra Group, a team dedicated to assisting entrepreneurs and families with complex wealth, business, and planning challenges. The group focuses on business advisory and consulting for small and mid-size companies, retirement planning and income strategies, investment management, banking and lending through Bank of America N.A., cash management, life insurance and long-term care planning, trust and estate planning, wealth transfer and charitable giving. The group primarily serves business owners, affluent families, and corporate executives. Phillip has over 33 years of investment experience and works closely with clients' trusted advisors to provide comprehensive financial strategies. His areas of focus include college education planning, corporate executive services, family wealth management strategies, small business strategies, individual and corporate investment strategy, and tax minimization. He is a CERTIFIED FINANCIAL PLANNER (CFP) and holds a Bachelor's Degree in Business Administration with a major in Accounting from Oakland University. Additionally, he has earned the Uniform Certified Public Accountant (CPA) license and holds FINRA Series 7, 63, and 65 registrations. Outside of his professional role, Phillip resides in West Bloomfield, Michigan with his wife Chrissy. He is actively involved in the community, volunteering over 80 hours annually with organizations such as Better Money Habits as a mentor, Big Brothers/Big Sisters mentoring a high school student, and charities including Forgotten Harvest, Salvation Army, and Soup Capuchin. Phillip also has personal interests in baseball, golfing, and traveling.

Victor Doherty is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' full financial pictures to create strategies that adapt to changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to provide personalized wealth management strategies. Victor has spent his entire professional career in the financial services industry, gaining experience through various market cycles. He works with a diverse group of clients including business owners, medical professionals, corporate executives, and retirees. His approach involves guiding clients thoughtfully and collaboratively to help them pursue their financial goals. He holds a Bachelor's Degree from Michigan State University and is a CERTIFIED FINANCIAL PLANNER (CFP).

Brandon La Carter is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, and Quicken Loans. He previously operated LaCarter Worldwide from 2018 to 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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.

James Cohen is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also provides institutional consulting and public finance services, combining advisory capabilities with public financing and investment banking.

Joe Chapman III is a financial advisor with Primerica Advisors in Detroit, MI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and has worked with Primerica Financial Services since 2001. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight of its investment models.

Elizabeth Deutch is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she owns Sweet Finds Company, LLC, an online resale business that occasionally sells gluten-free and dairy-free baked goods, and serves on the board of directors for Team Happy Feet. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement who meet specific eligibility criteria, combining research and modeling with tax-efficient strategies. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Adam Jones is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management and financial planning services, utilizing a mix of in-house and third-party investment managers.

Jack Rothenberg is a financial advisor with LPL Financial, holding a Certified Fund Specialist (CFS) designation and over 32 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp since 2003. Rothenberg also engages in the sale of fixed life insurance, disability insurance, long-term care insurance, and fixed annuities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Zalal Mello is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also maintaining a role with JPMorgan Chase Bank since 2005. 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. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

R. Kramer is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with LPL Financial since 2010. Kramer also runs Bruce Kramer Financial Services, an investment-related business associated with his LPL practice. 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 advisory programs and financial planning services with discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Jeremy Jones is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2011. In his role, he focuses on understanding clients' financial needs and goals and helps implement plans to work toward those objectives. He assists high net-worth clients with investment, retirement, and income planning. Jeremy has over two decades of experience in the financial services industry. Prior to his current position, he held roles as Vice President of Retail Banking at The State Bank from 2007 to 2011, Branch Manager at Republic Bank from 2002 to 2007, and Branch Manager at Fifth Third Bank from 1999 to 2002. He is a Certified Financial Planner. Outside of his professional work, Jeremy enjoys family activities, social events with friends, golf, outdoor adventures, skiing, and traveling.

Gaurang Joshi is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Enterprise, he worked at Ameriprise and Bedrock Management Services and spent nine years at General Motors LLC. Outside of advisory work, he is co-owner of a non-franchise motel and a retail business, and he serves as CEO of his own RIA business, Able Strategies, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolios, third-party asset management arrangements, and access to various brokerage and insurance products via an integrated platform.