Deni Warren is a Financial Consultant at Fidelity Investments, a role she has held since 2022. She has been with Fidelity Investments since 2012, progressing through various positions including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Deni worked as an Account Executive at MSCS Financial Services and as a Broker Trainee at Charles Schwab. Throughout her career, Deni has focused on building meaningful relationships with clients to understand their priorities and goals. She works with her team to develop personalized financial plans and advocates for her clients to help navigate challenges, aiming to provide peace of mind for individuals and their families.

Julie Kenrick is a financial advisor with Raymond James Financial in Fenton, MI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been involved with Raymond James Financial Services, Inc. since 1996 and currently owns and serves as president of Lakeside Wealth Management. 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 institutional organizations. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

Gregory Kirchmeier is a financial advisor with Edward Jones in Hartland, MI, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers various advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Jacob Lee is a financial advisor with LPL Financial in Flint, Michigan, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2023, he worked at Grand Valley State University, Total Benefit Systems Inc., Blue Cross Blue Shield of Michigan, Engineered Products Company, and the University of Michigan. Outside of his advisory role, he has continued his involvement with Total Benefit Systems, which operates in non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning and investment management services through a network of over 22,800 advisors.

Alex Minarik is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their Wealth Management teams to develop, implement, and maintain comprehensive financial plans aimed at maximizing their relationship with Fidelity. He joined Fidelity in 2025 and brings a client-focused approach to financial planning. Prior to his current role, Alex gained experience as a Financial Advisor at LPL Financial in 2024 and as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith from 2022 to 2024. He began his career as a Private Client Banker at JPMorgan Chase Bank, N.A. from 2018 to 2022, building a foundation in client relationship management and financial services. Outside of his professional work, Alex has interests in comedy, golf, and music.

Andrew Upleger is a financial advisor with LPL Financial in Highland, MI, holding Series 63 and Series 65 credentials and six years of industry experience. He has worked with LPL Financial since 2019 and concurrently operates Advantage Tax & Financial Services, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Bryan Bender is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2020. He focuses on helping clients develop and implement comprehensive financial plans aimed at achieving predictable outcomes and providing control over their financial futures. Bryan's professional experience is centered on delivering financial consulting services, leveraging his expertise to assist clients in navigating their financial goals. Outside of his professional role, he enjoys baseball, boating, family activities, music, outdoor adventures, and tennis.

Michele Morgan is a financial advisor with Ameriprise in Fenton, MI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She previously worked at UBS Financial Services from 2009 to 2019 before joining Ameriprise. Morgan is also the owner of Next, LLC, a business unrelated to advisory services. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

James Lang is a financial advisor with Ameriprise in Grand Blanc, MI, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Ameriprise since 2005. Lang serves as Vice President and sits on the Board of Directors for the Grand Blanc Baseball Club. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations through a centralized consulting team.

Mark Mikolajczak is a financial advisor with Wells Fargo Clearing in Flint, MI, holding Series 63 and Series 65 registrations and possessing 50 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party data.

Matthew Maldonado is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Huntington National Bank, and held roles at Michigan State University. He also serves in the Michigan Army National Guard. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a variety of investment services.

Jordan Oesterle is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has three years of industry experience and previously worked at firms including Cetera and several NHL teams. Outside of advising, he is also a professional hockey player with the Detroit Red Wings. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and charitable organizations, offering financial planning and consulting with a variety of portfolio management options.

Mark Grantham is a financial advisor with Morgan Stanley Wealth Management in Grand Blanc, Michigan. He holds Series 63 and Series 66 licenses and has 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his advisory work, Grantham serves as a basketball and football official for the Michigan High School Athletic Association and is a licensed minister who officiates weddings and funerals. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and comprehensive investment research.

Michael Kopko is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with LPL Financial since 2007. Kopko is also a commissioned Notary Public. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided through a broad network of investment adviser representatives using diverse strategies and supported by advanced operational tools.

Salvatore Vanadia is a financial advisor with Ameriprise Financial Services in Fenton, MI, holding Series 63 and Series 65 designations and having 14 years of industry experience. His prior roles include positions at Merrill, Bank of America, Cetera, and The State Bank. He is also involved in independent insurance brokering and serves as a dual financial advisor with ChoiceOne Bank. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing tax-aware retirement income planning focused on dependable income sources.

Brittany Waterson is a Series 66 licensed financial advisor with 14 years of industry experience. She has worked at LPL Financial and its affiliated entity Legacy Consultants Wealth Management since 2008, with a brief period of unemployment in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Robert Harris is a Financial Professional with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Cambridge Investment Research since 2008. Outside of his advisory role, Harris owns and operates several businesses, including QUALITYBARGAINZ LLC and FENTONTV.COM. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement advisory services. The firm offers a range of investment solutions through independent Financial Professionals, utilizing proprietary and third-party strategies across various custody platforms.

Cole Stephens is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has worked previously at Hantz Group and Keller Williams. In addition to his advisory role, he is licensed as a life and health agent, selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Karen Topolinski is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 25 years of industry experience. She has been with Cetera since 2007 and also leads Topolinski & Associates, a firm she founded in 1988 that offers tax, accounting, and wealth management services. In addition, she is a partner in South Saginaw Office Associates. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients through a multi-manager platform that offers various discretionary and non-discretionary portfolio management and financial planning services.

Steven Morey is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMORGAN Chase Bank, N.A. since 2007. J.P. Morgan Securities 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 combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage and investment management capabilities.