James Mclellan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 45 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Cetera Advisors LLC from 2014 to 2020. He is also president of Silverbell Group, a financial services business through which he manages business expenses and staff. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered in collaboration with advisors like Mclellan.

Iuliana Keyes is a financial advisor with OSAIC in Troy, MI, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked at OSAIC since 2009 and is also affiliated with Vim Capital and Thomas Financial Group. Keyes serves on the board of FernCare Free Clinic, a nonprofit providing free healthcare to uninsured individuals. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of advisers and advisory platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to build diversified portfolios with various investment vehicles, offering both discretionary and non-discretionary management options.

Alvin Hayes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank since 2012 and J.P. Morgan Securities since 2017. Prior to his financial services career, he worked at Colling Homes Inc. for eleven years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Michelle Harm is a financial advisor with LPL Enterprise, based in Troy, MI, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. Her prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, Hornor, Townsend & Kent, Inc, and Penn Mutual Life Insurance Company. She serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm integrates advisory services with brokerage and insurance products through its platform and supports lending programs such as LPL’s collateralized lending initiative.

Andrew Goodrich is a financial advisor with LPL Financial based in Rochester, MI. He holds a Series 66 designation and has recently started his advisor career. Prior to joining LPL Financial, he was involved with the University of Michigan Football program and attended the University of Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a variety of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

Lyle Schonberger is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. His prior experience includes over 15 years with Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business focused on non-investment-related estate planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and advanced technologies across discretionary and non-discretionary management.

Timothy Daly is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his financial career, he has been involved with Saginaw Valley Sports Performance, LLC for over 20 years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Louis Messina is a financial advisor with Cetera who holds the CFP® designation and Series 65 and 63 licenses, with nine years of industry experience. He has worked at Cetera since 2021 and previously held roles at Voya Financial Advisors and Baron Wealth Management. Outside of his advisory work, Messina is involved in educational content development through Horizon Adviser University and owns Messina Financial Group LLC, which provides expense management and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Richard Boschert is a Series 66-credentialed financial advisor with 15 years of industry experience, currently with Ameriprise in Troy, MI. His prior roles include positions at Concorde Asset Management, Concorde Investment Services, and L.M. Kohn & Company. Outside of financial services, he is the master partner of an asphalt repair and maintenance business. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice based on proprietary research and third-party data.

Daniel Murfey is a financial advisor at Edward Jones with nine years of industry experience. He has held his current position since 2016 and previously worked at Associated Construction Publications from 2014 to 2016. Murfey holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 financial advisors and offers a variety of advisory and investment strategies under a fiduciary standard.

Timothy Brice is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. He is based in Birmingham, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm’s financial planning utilizes structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Joseph Abro is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and eight years of industry experience. He has been with Raymond James since 2017 and also operates the Joe Abro Law Group. Outside of his advisory role, Abro works as an independent contractor for athletic organizations including the Great Lakes Intercollegiate Athletic Conference and the Michigan High School Athletic Association. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Mark Mullin is a financial advisor with LPL Financial in Troy, MI, holding a Series 65 designation and eight years of industry experience. He also operates MTM Consulting LLC and has been a licensed CPA with his own accounting practice, Mark T Mullin CPA, since 1994. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers advisory programs, financial planning, and retirement plan consulting supported by research, model portfolios, and various management options.

Daniel Curtis is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and two years of industry experience. His prior work includes positions at United Wholesale Mortgage and roles at Grandville High School and Addix Sportswear. 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 offers a client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Eric Frantz is a financial advisor with LPL Financial based in Rochester, MI, holding a Series 63 designation and bringing 34 years of industry experience. He has previously worked with Sigma Planning Corporation, Sigma Financial Corporation, and Masen Frantz Wealth Management Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

William Freeman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its associated entities since 2001, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Michael Kovie is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. He serves as a finance committee subcommittee member for the Reflection Lakes Homeowners Association, a voluntary nonprofit role. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Stephen Zade is a financial advisor with Cambridge Investment Research Advisors in Mt Clemens, MI, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. He has been with Cambridge since 2015 and also operates his own advisory firm, Stephen Zade Advisors. In addition to his advisory roles, he works as an independent insurance agent for multiple insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm provides investment solutions via various custody and platform arrangements, employing both proprietary and third-party model strategies with options for discretionary and non-discretionary management tailored to client objectives.