Ethan Cramer is a Series 66 licensed advisor at Osaic Wealth, Inc. with nine years of industry experience. He previously worked at Royal Alliance Associates and SII before joining Osaic Wealth. Outside of his advisory role, he serves as a director for Trout Unlimited, a coldwater conservation organization, and manages an online networking group called Trout Nations. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on diversified portfolio construction, utilizing asset-allocation tools, risk assessments, and third-party money managers.

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.

Jared Kersten is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 12 years of industry experience, including roles at Fisher Investments and PNC Bank. His current tenure at Cetera includes multiple entities within the firm since 2025. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment strategies.

Roger Houston is a CFP® professional with 34 years of industry experience, currently serving as an advisor at LPL Financial since 2003. He holds Series 63 and Series 66 licenses and operates in Southfield, MI. His other business activities include selling fixed annuities, health, disability, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Charles Turfe is a financial advisor at Edward Jones with four years of industry experience. He holds Series 63 and Series 65 licenses and has been with Edward Jones since 2018, with a brief period away from the industry prior to that. 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 programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Earl Mchugh is a financial advisor at MassMutual Investors Services with 40 years of industry experience. He holds the ChFC® designation and the Series 63 license, and has been with MassMutual since 1996. Outside of his advisory role, he is involved in several business ventures including ownership and leadership positions in a restaurant/bar, a marina with boat rentals, and a company that leases equipment for agricultural production. He also serves on a nonprofit board and provides business valuation services. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, and educational seminars, with planning engagements structured as annual, collaborative processes using advanced analytical tools.

Michael Mercer is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012. 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 various institutional investors.

Christopher Scupholm is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Rollins College and South High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that focuses on retirement income planning through written recommendations and ongoing advice. The firm's approach incorporates proprietary investment research, third-party data, and algorithmic tools, with distinct enrollment criteria and a product ecosystem influenced by affiliated fund relationships.

Mark Dickinson is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America N.A. since 2014. 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 strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Bozymowski is a financial advisor with Mass Mutual Investors Services in Southfield, MI, holding Series 63 and Series 65 credentials and bringing 49 years of industry experience. His prior work includes positions at MetLife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory role, he operates as an independent senior benefits consultant specializing in life, health, and fixed annuities 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 offers financial planning, asset management, and educational programs using firm-approved analytical tools, focusing on collaborative annual planning engagements without discretionary authority over client investments.

Sean Johnson is the Resident Director and Wealth Management Advisor at Merrill, where he provides financial guidance and wealth management strategies to high net worth individuals and organizations. He joined GSJ & Associates with Merrill in 2015 to enhance the services and strategies offered to clients, focusing on goals-based wealth management and strategic asset allocation. Sean holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Defiance College. Sean's client focus areas include college education planning, divorce transition planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Outside of his professional work, Sean is an Eagle Scout and values his role as a father and husband. His personal interests include camping, football, golfing, hiking, hunting, photography, singing, traveling, watching movies, and woodworking. He emphasizes a disciplined and personalized approach to financial planning, aiming to help clients build a roadmap to achieve their individual goals across different stages of life.

Kimberly Ybarra is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 25 years of industry experience. She worked at Merrill Lynch for 22 years before joining Raymond James, where she has been since 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions through various portfolio management styles and affiliated research.

Vianna Burns is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. She has worked within JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Kenneth Harb is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member of the Livonia Brownfield Redevelopment Authority, where he participates in meetings and reviews tax credit issuances for underutilized real estate. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates on a large scale, offering brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Jessica Nuhaj is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Before joining LPL Financial, she worked at Equitable Advisors and is involved in operating Farmers Café 1 LLC, a business she has owned since 2017. 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 range of financial planning and advisory programs, utilizing discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Grant Sutter is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2022. Prior to this role, he has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Matthew Ludlow is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving clients since 1997 and is a member of the Huntsman Ludlow Group, where he participates in the Wealth Management Strategy Committee and manages trading activities for the group. Mr. Ludlow’s expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Arts degree with a concentration in Economics from the University of Michigan-Ann Arbor. His professional credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation earned in 2004, as well as the Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), and Personal Investment Advisor (PIA) designations. Outside of his professional career, Matthew Ludlow resides in Grosse Pointe Woods with his wife and three children. He serves as the Den Leader for his youngest son’s Cub Scout Pack and enjoys hiking, yoga, and spending time with his family.

Michael Hudzik is a financial advisor with Raymond James & Associates in Novi, Michigan, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior experience includes roles at Bank of America and Merrill. Outside of his advisory work, he serves as a director for the Michigan Council on Economic Education, contributing to efforts to educate teachers about economic systems and participating in organizational fundraising. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles, firm research, and affiliated sub-advisers.

Bradford De Spelder is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His services encompass areas such as general investing, retirement planning, and preparing for unforeseen financial needs. Additionally, he facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Bradford holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Grand Valley State University. He emphasizes a client-centered approach, aiming to help individuals uncover what matters most to them and their families to create tailored financial strategies.