Justin Mulholland is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously spent 11 years at Cambridge Investment Research Advisors before joining LPL Financial in 2024. Mulholland owns a financial services business outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including retirement plans and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by various model portfolios, third-party subadvisors, and technology-driven investment solutions.

Samantha Maddox is a Series 66-licensed financial advisor with Thrivent Investment Management in Ann Arbor, MI, with three years of industry experience. Prior to joining Thrivent, she worked in education at Bedford Public Schools and The University of Toledo. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses across a range of financial topics without discretionary portfolio management or institutional advisory services.

Stephen Manchester is a financial advisor with Edward Jones in Ypsilanti, MI, holding Series 63 and Series 66 licenses and totaling 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and supported by a nationwide network of more than 23,000 financial advisors.

John Loveland is a financial advisor with Ameriprise in Plymouth, MI, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2004. Outside of his advisory role, he co-owns Clarity Tax Professionals, LLC, a tax preparation business, and provides consulting services to another financial advisor’s practice. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Megan Ornelas is a financial advisor at UBS Financial Services in Ann Arbor, MI, holding a Series 66 designation with 10 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary capital market assumptions and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Matthew Sitarski is a financial advisor at Raymond James & Associates with 18 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes positions at JP Morgan Securities and JP Morgan Chase Bank from 2015 to 2024. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing roughly $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Tyler Giese is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. He holds Series 63 and Series 66 licenses and is based in Ann Arbor, MI. 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 an ESG eligibility framework in its investment process.

Bradley Bocketti is a financial advisor at UBS Financial Services with nine years of industry experience. He holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, he worked at Butler Business Consulting Group and attended Butler University. Bocketti serves as an alumni board member for the Detroit Catholic Central Finance Club, where he supports the education of high school students in finance and investing. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and financial planning solutions.

Keith Grover Jr. is a financial advisor with Cetera, holding a Series 65 credential and two years of industry experience. He is also a partner and Director of Tax at Polk and Associates, PLC, a public accounting firm providing accounting, compliance, consulting, and attest services to individuals and companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Gary Wales is a financial advisor with Osaic Wealth, Inc. He holds the CFP® designation, Series 63, and Series 65 licenses, and has 43 years of industry experience. Prior to joining Osaic in 2023, he worked at Sagepoint Financial, Inc. since 2009. He is also president of Spectrum Financial Services, Inc., a tax preparation and advising firm. Osaic Wealth, Inc. serves a broad range of clients, including individual investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to support a variety of investment strategies.

Mya Kilgore is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and over three years of experience at Merrill. Her prior experience includes roles at FCA Fiat Chrysler, Trinity Health, Credit Acceptance, and Staffing Health Paycor. She is also affiliated with Strayer University since 2020. 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 model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and charitable organizations.

Eric Messner is a financial advisor with LPL Financial in Novi, MI, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Cambridge Investment Research Advisors for 17 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Steven Nelson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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.

Katharine Maliga is a Financial Consultant at Fidelity Investments, a role she has held since 2026. She has been with Fidelity Investments since 2018, progressing through various positions including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked at Amegy Bank as a Financial Analyst from 2005 to 2017 and as a Sales Assistant from 1997 to 2005. Katharine brings over twenty years of experience in the financial services industry. Her expertise includes wealth accumulation, retirement planning, and addressing income needs. She emphasizes partnering with clients and their families to work towards their financial goals. Outside of her professional work, Katharine's personal interests include art, beach activities, cooking and baking, family activities, hiking, and traveling.

Theresa Pasquin is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2011 and previously served at UAW-GM Legal Services Plan for over three decades. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm employs third-party asset managers vetted through independent due diligence and offers a tiered wrap-fee structure rather than fixed fees.

Amanda Pelton is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, managing new wealth, personal retirement planning, and women and wealth. She joined the Kulhavi Team in May 2017 and works as part of a 16-member team that provides comprehensive and creative guidance focusing on clients' financial goals. Amanda holds a Bachelor's degree in Communications and English Literature from the University of Michigan and a Master's degree in Business Communications from Boston College, where she participated in varsity volleyball at both institutions. She has earned professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her professional role, Amanda resides in Commerce Township with her husband and their two children. She is involved with the Angels of Hope community organization and is a member of professional groups such as the Alumni Association of the University of Michigan and The Detroit Tradesmen. Her personal interests include football, golfing, hiking, reading, and volleyball.

Allison Brooks is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services LLC since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with multiple registered investment companies and the use of systematic methodologies and AI in its investment process.

Kyle Ciotti is a financial advisor at Fidelity with Series 65 and Series 63 credentials and six years of industry experience. His prior work includes roles at Experior Financial Group, The Leaders Group Inc., and several other financial services and investment firms. Fidelity’s Strategic Advisers LLC, where Mr. Ciotti is based, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Kevin Johnson is a financial advisor with Edward Jones in Dexter, 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 with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Jonathan Hunter is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63, 65, and 66 designations and has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team to provide written, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis, with an emphasis on assets held in Ameriprise-managed accounts.