Angela Jardin is a financial advisor with Morgan Stanley in Birmingham, Michigan, holding Series 63 and Series 66 designations and having 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by approved tools and offers a range of investment programs alongside broader retail and institutional solutions.

Danielle Ligon is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill Lynch since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates its services with Bank of America’s broader platform, enabling access to various financial products and solutions.

John Kozole is a financial advisor at J.P. Morgan Securities with 38 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 1997. He holds the Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

James Bochenek is a CFP® professional with 42 years of industry experience, currently with LPL Financial since 2009. He previously worked for over three decades at Scripter and Associates, Inc. Outside of his advisory role, Bochenek also serves as a notary public, primarily notarizing documents for clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Olivia Mc Gowan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2022, she held roles at Stanley Black and Decker, Inc., Quicken Loans, and various positions within local government. She is also involved with Color Street, a business she has been associated with since 2019. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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.

Domenico Consiglio is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Securities America, Inc., Ohio National, and Cherokee Insurance. Consiglio is also a licensed life insurance agent, selling term and permanent policies. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios that may include a range of securities and alternative investments.

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.

Dorina Ziba is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served in various capacities at Fidelity Investments, including Planning Consultant from 2023 to 2025, Investment Consultant from 2021 to 2022, and Financial Representative from 2020 to 2021. Before joining Fidelity, she worked as a Private Banker at Credit Union One from 2019 to 2020. In her work, Dorina focuses on understanding her clients' top priorities, preferences, and values to present options that align with their unique financial goals. She aims to ensure that each client gains clarity and confidence in their overall financial plan. Outside of her professional life, Dorina enjoys spending time at the beach, cooking and baking, engaging in fitness activities, and traveling.

Timothy Kopchick is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Cetera, he worked at Avantax Advisory Services and Avantax Insurance Agency. He is also the owner and sole proprietor of KCO Financial Services, which provides tax planning and preparation, and serves as president of Kopchick & Company, P.C., a CPA firm with a focus on small business accounting and tax. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform with discretionary and non-discretionary options.

Gerald Mckeon is a Series 66-credentialed financial advisor with Raymond James & Associates in Troy, MI, with 10 years of industry experience. He has been with Raymond James since 2011. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting through comprehensive analytical tools and a range of firm-sponsored programs.

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.

Jennifer Nuechterlein is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2017. She has been with Fidelity Investments since 2007, progressing through various positions including Senior Relationship Manager, Financial Consultant, Investment Representative, Financial Representative, and Private Client Specialist. Prior to joining Fidelity, she worked as a Personal Banker at J.P. Morgan Chase Bank from 2005 to 2007 and held positions at American General Financial Services from 1998 to 2005. Jennifer's extensive experience spans wealth management, financial consulting, and client relationship management within the financial services industry. Her career reflects a consistent focus on providing clients with comprehensive financial support and navigating investment resources. Information regarding her education, credentials, personal interests, and community involvement has not been provided.

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.

Alvin Semma is a financial advisor at Raymond James & Associates with 11 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Zachary Fairless is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Hinkson Wealth Management and LA Fitness, as well as positions with educational institutions such as Indiana University and the Troy School District. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individual investors, institutions, and government entities. The firm offers specialized programs for small businesses and integrates municipal and public finance services through its affiliated networks.

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.

Robert Burns is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and has a longstanding role as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions including proprietary models and third-party strategies, delivered via multiple custody platforms with both discretionary and non-discretionary options.

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.

Jack Hosmer Jr. is a financial advisor at OSAIC with 17 years of industry experience and holds a Series 66 designation. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 10 years. He is also president of Junior Mills Corp, a CPA and tax preparation firm, and has worked with Robinson, Pietras, Kalisky, PC as a staff accountant since 1993. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and supports a variety of investment vehicles, managing portfolios on both discretionary and non-discretionary bases.