Jennifer Brawn is a financial advisor with Edward Jones in Ypsilanti, MI, holding the Series 66 designation and three years of industry experience. She previously worked at Bank of America for six years before joining Edward Jones in 2021. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Daniel Byrd II is a financial advisor with Merrill in Wyandotte, MI, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. He has worked at Merrill since 2018, following prior roles at Ameriprise Financial Services and National Planning Corporation. Byrd serves as a successor trustee for a discretionary trust based in Howell, Michigan. 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 for individuals, high-net-worth clients, and institutions, including pension plans and charitable organizations.

Thomas Folino is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christopher Lowry is a CFP® professional with 18 years of industry experience, currently affiliated with OSAIC since 2018. Prior to joining OSAIC, he worked for Signator Investors Inc for 10 years. He serves as Director of Retirement Strategies for Retirement Strategies of Michigan, a sole member LLC involved in retail securities and insurance products. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, offering both discretionary and non-discretionary account management.

Vanessa Thomas is a financial advisor at Ameriprise with Series 63 and Series 65 credentials and three years of industry experience. Her prior roles include positions at Foguth Financial Group and Executive Wealth Management. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Jennifer Mihelic is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Jeff Probst is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, as well as JPMorgan Chase Bank, N.A. since 2005. From 2019 to 2020, he was involved with Beach House Apartments, LLC. J.P. Morgan Securities primarily provides investment consulting and advisory services to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Zakary Keasey is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Before joining Morgan Stanley in 2019, he worked at Canaccord Genuity from 2013 to 2017 and had brief roles at Amazon and Lowes. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and analytic models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Richard Gilbertson is a financial advisor at Equitable Advisors with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors since 1999, previously associated with Axa Advisors, LLC. Gilbertson serves as an administrator or executor of estates and trusts for family and non-family members and holds durable power of attorney for his father's financial affairs. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, leveraging third-party asset managers and LPL programs to tailor advisory solutions.

Elizabeth Ashley is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 license and previously worked at Securities America Advisors and Securities America, Inc. Ashley also engages in life insurance sales, assisting clients with policy applications and carrier submissions. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services that include financial planning, managed accounts, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various asset classes and supports both discretionary and non-discretionary management options.

Michael Kautz is a financial advisor at Mass Mutual Investors Services with 26 years of industry experience. He holds the ChFC® designation and Series 63 license and has worked at Mass Mutual Investors Services and MassMutual Life Insurance Co since 2004. In addition to his advisory role, he is an insurance agent involved in life and health insurance sales. Mass Mutual Investors Services is 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, with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.

Nicholas Jirasek is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 15 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015 and 2019 respectively. Outside of his advisory role, he operates several businesses including a motorsport parts company, a mobile DJ service, and a handmade writing utensil and goods retailer. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Debra Dickerson is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 66 and Series 63 credentials and has worked with various J.P. Morgan entities since 2004. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jonathan Wolfe is a financial advisor at Morgan Stanley with 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, and previously at Edward Jones from 2016 to 2019. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based financial planning process.

Arun Suri is a financial advisor with Osaic, holding Series 63 and Series 65 designations and 34 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent 27 years at Signator Investors, Inc. He is also licensed as a health insurance agent and has been involved in the sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers, employing tools such as asset-allocation frameworks and automated rebalancing to manage portfolios across a range of asset classes.

Jonathon Sermo is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2013. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and document management. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports and combining research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Ronald Dickerson Jr. is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Wells Fargo Clearing and Infinex Investments. Outside of his advisory role, he serves on the boards of two Ann Arbor nonprofits: The Neutral Zone, a youth-driven community organization, and Unity on Campus, a non-denominational ministry where he acts as Board Treasurer. 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. The firm delivers advisory services alongside brokerage and investment management capabilities, with a focus on non-discretionary programs supported by an in-house manager solutions team and centralized due diligence.

Ronald Munson Jr. is a financial advisor with Raymond James Financial in Southfield, MI, holding a Series 66 credential and entering his first year in the industry. His prior experience includes 28 years at Ford Motor Credit Company and a brief tenure at LPL Enterprise LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports municipal and public-finance advisory work through a unique affiliation.

Phil Andrews II is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at MetLife Securities Inc., Massachusetts Mutual Life Insurance Company, and Mass Mutual Investors Services. He is also an author of a work titled *Sally and Sam Squirrel*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a large network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management strategies.

Kimberly Dwyer is a financial advisor with Thrivent Investment Management in Novi, Michigan. She holds a Series 66 designation and has 10 years of industry experience, all with Thrivent Financial and its investment management division. Outside of her advisory role, she is the owner of a competitive and recreational dance studio, FLEX POINT DANCE, LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various planning topics. The firm’s approach separates planning from managed-account services and conducts periodic reviews, without accepting discretionary trading authority for its Dedicated Planning Service.