Matthew Gibson serves as the Resident Director at Merrill Lynch Wealth Management in the Ann Arbor office. He works primarily with successful business leaders, professionals, and families, helping them plan for financial security and achieve their long-term objectives. Matthew and his team implement a process addressing key life aspects such as family, occupation, recreation, retirement, philanthropy, and legacy, tailored to clients' lifestyles and goals. Matthew holds a Bachelor of Science degree in Biophysics from Brigham Young University, as well as a Master's and Doctorate of Philosophy in Biomedical Engineering from the University of Michigan. He holds professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In addition, he maintains Series 7 and 66 FINRA registrations and licenses in long-term care, life, and health insurance. Outside of his professional role, Matthew lives in Michigan with his wife and family. He is involved with community organizations such as Dexter Little League, Blue Ocean Entrepreneur Competition for High School Students, the National Invention Convention, and the Tauber Alumni Board for the Tauber Institute of Global Operations. His personal interests include baseball, camping, football, music, reading, running, and spending time with family.

Timothy Godin is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Raymond James since 2018, following two years at Wells Fargo Clearing. Raymond James & Associates, Inc. is a large registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and specialized advisory services.

Michael Balagna is a CFP® professional affiliated with LPL Financial, bringing 43 years of industry experience. He has been with LPL Financial since 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset managers.

Brendan Estes is a CFP® with three years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He previously worked at LPL Financial and Evangelista & Associates. Estes provides administrative support to multiple independent investment advisory firms. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

James Sinclair is a financial advisor with LPL Financial, holding the Series 66 designation and bringing 21 years of industry experience. He has worked at LPL Financial since 2009 and spent three years at UBS Financial Services prior to that. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools while overseeing more than $819 billion in discretionary assets.

Michael Dowdell is a financial advisor at Ameriprise with four years of industry experience and a Series 66 designation. His prior work includes roles at The Huntington Investment Company, The Prudential Insurance Company of America, and multiple positions within Morgan Stanley and Bank of America. Before entering the financial sector, he spent 26 years at Bose Corporation. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and annual advice focused on reliable income sources and tax-aware withdrawal strategies. The firm’s retirement income service combines proprietary research and third-party data to support asset allocation and Social Security planning within a managed account framework.

Jacob Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Farmington Hills, Michigan. He has been working in the financial services industry since 2001 and holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a qualified Portfolio Manager with Series 7, 63, and 65 FINRA registrations, along with life and health insurance licenses. Jacob provides clients with a range of services such as legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He is able to manage personalized or defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He earned a Bachelor's of Science degree from Western Michigan University and holds a Certificate in Financial Planning from Oakland University. Jacob is also involved in the community through an organization named HOPE. Outside of his professional work, his personal interests include baseball, biking, boating, camping, fishing, golfing, hunting, music, scuba diving, and watching movies.

Michael Daugherty is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has worked at Bank of America, N.A. since 2015 and has been affiliated with Merrill Lynch Pierce Fenner & Smith Incorporated since 2011. Additionally, he is associated with Wayne State University. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Batchelder is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages Furlotte Consulting Group LLC, where he oversees staff and practice operations. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Jeremy Fick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the Kulhavi Team in 2014 to assist with client management and portfolio construction. Jeremy has been with Merrill for 18 years. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Jeremy holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a Bachelor's degree from Oakland University. Prior to his financial advisory career, Jeremy served with the Army National Guard for over ten years and participated in two overseas deployments in support of Operation Iraqi Freedom. He resides in Rochester Hills, Michigan with his wife, Autumn, and their two children.

Robert La Barbera is a financial advisor at Cambridge Investment Research Advisors with a Series 66 designation and one year of industry experience. His prior work includes roles at Colonial Title Company and Planning Alternatives. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers access to multiple platforms, third-party advisers, and proprietary model strategies.

Gregory Kendzicky is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2025, he worked at TFO Wealth Partners and has held various roles outside the financial sector, including positions at Hungry Howies and teaching roles at Hillsdale College and Madonna University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Christopher Durden is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2014, based in Farmington Hills, MI. 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 for individuals, high-net-worth clients, and institutional accounts, with support for trading, administration, and custody.

David Smith is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Primerica Financial Services since 2002 and Primerica Advisors since 2004. From 2018 to 2023, he was involved with Akillez Marketing Corp. Outside of advising, he engages in the sale of home security and automation products through part-time referrals for affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-delivery strategies developed by third-party asset managers. The firm operates at scale with thousands of advisors and offices, offering portfolio options that include strategic, tactical, tax-managed, and income-distribution models.

John Pettifurd is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans aimed at achieving their financial goals. He has held this role since 2025 and has been with Fidelity Investments since 2023, progressing through positions including Planning Consultant and Financial Representative. Prior to joining Fidelity Investments, John gained experience as a Relationship Banker at J.P. Morgan Securities LLC from 2019 to 2023, and as a Personal Banker at JPMorgan Chase Bank N.A. from 2018 to 2019. His background spans various aspects of financial services, contributing to his expertise in client relationship management and financial planning. Outside of his professional work, John has interests that include the beach, football, lakes, parenthood, pets, and traveling.

Stephen Kucharski is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at TD Ameritrade, TD Ameritrade Investment Management, LLC, and SCOTTRADE, Inc. He serves as an elder at First Presbyterian Church in Royal Oak. Charles Schwab & Co., Inc. serves 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 relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jennifer Mullett is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and external sources.

Cara Gardner is a financial advisor with LPL Financial based in Farmington Hills, MI, holding CFP® and Series 66 credentials and bringing 17 years of industry experience. Her prior roles include positions at Michigan Securities, Inc., Purshe Kaplan Sterling Investments, and PKS Advisory Services. She is also involved with CPG Capital, LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives utilizing various strategic and tactical investment options.

Robin Waldman is Vice President and Wealth Planner at Fidelity Investments, a position held since 2018. In this role, Robin collaborates with clients and their families to develop comprehensive wealth plans that align with their definitions of financial success, emphasizing long-term relationships and a relationship-based practice. Robin's professional experience spans various roles in the financial services industry, including Financial Consultant at Fidelity Investments from 2012 to 2018, Financial Advisor at UBS from 2009 to 2012, and Financial Advisor at Merrill Lynch from 2004 to 2009. Throughout this time, Robin has focused on supporting families through different life stages by strengthening family dynamics via financial planning. No additional information regarding education, credentials, personal interests, or community involvement was provided.

Sandeep Sidhu is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and four years of industry experience. Prior to joining Merrill and Bank of America N.A. in 2022, he worked at Certus X Partners for five years and Eaton Corporation for ten years. He maintains a passive advisory role as a director at Certus X Partners LLC. 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 both model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.