Timothy James is a financial advisor at Hantz Financial Services, Inc. He holds Series 63 and Series 65 credentials and has 22 years of industry experience, all with Hantz Financial Services since 2004. Hantz Financial Services, Inc. serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and unified managed accounts, and integrates technology-driven solutions such as automated tax-loss harvesting and AI-assisted client data aggregation.

Rebecca Abel is a CFP® with 26 years of experience in financial advisory roles. She currently works at Concurrent Investment Advisors, LLC and previously held positions at Strategic Blueprint, LLC, The Strategic Financial Alliance, Inc., and Ameriprise Financial Services, Inc. Outside of her advisory work, she owns Dvine Cookies LLC, a cookie company. Concurrent Investment Advisors, LLC is an SEC-registered, multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm provides comprehensive wealth and investment management, financial planning, and retirement plan advisory services using primarily long-term, customized portfolios that include ETFs, mutual funds, and other investment vehicles.

Kevin Klein is a financial advisor at Hantz Financial Services, Inc. in Southfield, MI, holding a Series 65 designation with nine years of industry experience. He has been with Hantz Financial Services since 2015. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and automated tax-loss harvesting features.

Ashley Stewart is a financial advisor with Fifth Third Securities, Inc. in Commerce Township, MI. She holds Series 63 and Series 65 licenses and has two years of industry experience. Her prior experience includes roles at Fifth Third Bank, Northwestern Mutual, and The Barn. Fifth Third Securities serves individual and institutional clients through both advisory and brokerage services. The firm offers multiple investment programs via the Passageway platform, catering to diverse client needs with access to mutual funds, ETFs, separately managed accounts, and direct indexing strategies.

Alexis Zuccaro is a financial advisor at Osaic Advisory Services, LLC with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Cetera Advisors LLC, SageView Advisory Group, and First Allied Advisory Services. Zuccaro is also involved in wealth advisory activities through Bloomfield Hills Advisory, LLC. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base, including high-net-worth individuals, pension and profit-sharing plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a variety of investment programs and consulting services, employing both fundamental and technical analysis alongside platform integrations that support alternative investments and annuity sub-account management.

Kathryn Morgan is a Series 65-licensed financial advisor at Hantz Financial Services, Inc. with one year of industry experience. Her prior roles include positions at EY LLP and KPM6 LLP. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and unified managed accounts, while integrating technology solutions such as automated tax-loss harvesting and AI-assisted data aggregation.

Michael Hatten is a Series 66-licensed financial advisor with J.P. Morgan Securities in Detroit, MI, and has three years of industry experience. His prior roles include positions at Bank of America, Merrill, and PNC Bank. Outside of his advisory work, he owns Spikedmind LLC, a business specializing in handmade arts and crafts products. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory approach combines quantitative and qualitative research supported by centralized due diligence and includes broader derivatives and commodities capabilities.

Thomas Stetser is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and nine years of industry experience. He has worked at Bank of America and Merrill Lynch since 2017. Outside of his advisory role, he serves as a director for the E William and France Kenyon Foundation, a charitable organization focused on religion, children, literacy, and animals. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Matthew Dombrowski is a CFP® with 31 years of experience in the financial industry. He has worked exclusively at Ameriprise and its affiliated entities since 2009. 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 written recommendation reports and ongoing annual retirement income planning advice focused on dependable income and tax-aware withdrawal strategies.

Mark Forsthoefel is a financial advisor based in Farmington Hills, MI, affiliated with Raymond James & Associates. He holds Series 63 and Series 65 licenses and has 40 years of industry experience, including 25 years with Raymond James & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services supported by a nationwide network of advisers.

Antoneta Berishaj is the Sales Manager for the Greater Houston Market at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2000 and has held roles including Complex Administrative Manager overseeing offices in Texas and Louisiana. Her background as a registered FINRA Principal Supervisor contributes to her comprehensive understanding of risk management in wealth advisory. Her expertise encompasses family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among other areas. Antoneta holds FINRA registrations including Series 3, 7, 9, 10, and 66, and maintains licenses with the Texas Department of Insurance and the National Mortgage Licensing System (NMLS ID:1163440). She earned a Bachelor's degree in Applied Arts and Sciences from Lamar University. Antoneta resides in Spring, Texas with her wife and three children. She is involved with the Klein Independent School District and has personal interests that include boxing, fishing, and music.

Stacey De Ridder is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets beginning in 1996. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery conversations and firm-approved planning tools.

Melinda Frink Crimmins is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 66 credentials and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Richard Powell is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and bringing 55 years of industry experience. His career includes roles at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. Powell serves on the Board of Directors for the Ted Lindsay Foundation. 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 clients with tailored retirement income planning through written recommendations and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Patricia Kresmery is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and 38 years of industry experience. She has been with Merrill since 2010. Outside of her advisory work, she is the managing member of EJS Closet LLC, a limited liability company that sells estate jewelry online. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Hinkson is a CFP®-designated financial advisor with 35 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 20 years at Commonwealth Financial Network before joining Raymond James in 2025. Outside of his advisory role, he manages an office building through a personal real estate business. Raymond James Financial Services Advisors, Inc. provides non-discretionary financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm employs risk profiling and analytical modeling tools to tailor recommendations and supports its clients through advisory programs and institutional consulting services.

Rebecca Phalen is a financial advisor with Charles Schwab in Troy, MI, holding Series 63 and Series 66 licenses and 34 years of industry experience. She has worked at Charles Schwab since 1992, including Charles Schwab Bank since 2005, and had a brief tenure at TD Ameritrade Inc. from 2023 to 2024. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by ongoing research and alternative investment options.

Stephen Zink is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He previously worked at J.J.B. Hilliard, W.L. Lyons, LLC for seven years before joining Raymond James in 2019. Outside his advisory role, he is an associate and wealth advisor at Birmingham Wealth Partners. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm uses risk profiling and analytical tools for non-discretionary planning and supports municipal and public finance work through unique affiliations.

Carleton Crimmins is a financial advisor with UBS Financial Services in Bingham Farms, MI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Lucia Kaddouh is a financial advisor at RBC Capital Markets with four years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2020, previously working at RBC Wealth Management from 2001 to 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs that combine discretionary and non-discretionary portfolio management with financial planning and brokerage services, tailoring strategies to clients’ individual risk profiles.