Jeremy Fick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the Kulhavi Team in 2014 to assist with client management and portfolio construction. Jeremy has been with Merrill for 18 years. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Jeremy holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a Bachelor's degree from Oakland University. Prior to his financial advisory career, Jeremy served with the Army National Guard for over ten years and participated in two overseas deployments in support of Operation Iraqi Freedom. He resides in Rochester Hills, Michigan with his wife, Autumn, and their two children.

Robert La Barbera is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has been with Cambridge and related firms since 2025 and has prior experience at Colonial Title Company and Planning Alternatives. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and other retirement-plan sponsors. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing multiple platform arrangements and proprietary model strategies alongside access to unaffiliated strategists.

Ahmad Harajli is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and has previously worked as a personal trainer and at various other positions including Beverly Hills Club and Detroit Medical Center. Outside of advising, he provides personal training focused on resistance training to build muscular strength and endurance. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory strategies and affiliated investment products through a nationwide network of financial advisors.

Richard Williams Jr. is a financial advisor at Cetera with a Series 65 credential and four years of industry experience. He has previously worked at Avantax Advisory Services and holds long-term roles with multiple firms including Polk And Associates, PLC, where he is a managing member of a CPA firm providing tax, attest, and consulting services. He also serves as a trustee for an irrevocable family trust. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified investment management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Gregory Kendzicky is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2025, he worked at TFO Wealth Partners and has held various roles outside the financial sector, including positions at Hungry Howies and teaching roles at Hillsdale College and Madonna University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Christopher Durden is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2014, based in Farmington Hills, MI. Merrill, along 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 institutional accounts, with support for trading, administration, and custody.

David Smith is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Primerica Financial Services since 2002 and Primerica Advisors since 2004. From 2018 to 2023, he was involved with Akillez Marketing Corp. Outside of advising, he engages in the sale of home security and automation products through part-time referrals for affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-delivery strategies developed by third-party asset managers. The firm operates at scale with thousands of advisors and offices, offering portfolio options that include strategic, tactical, tax-managed, and income-distribution models.

John Pettifurd is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans aimed at achieving their financial goals. He has held this role since 2025 and has been with Fidelity Investments since 2023, progressing through positions including Planning Consultant and Financial Representative. Prior to joining Fidelity Investments, John gained experience as a Relationship Banker at J.P. Morgan Securities LLC from 2019 to 2023, and as a Personal Banker at JPMorgan Chase Bank N.A. from 2018 to 2019. His background spans various aspects of financial services, contributing to his expertise in client relationship management and financial planning. Outside of his professional work, John has interests that include the beach, football, lakes, parenthood, pets, and traveling.

Adam Bradford is a Series 66 licensed financial advisor with Edward Jones in Oxford, MI, and has nine years of industry experience. Prior to joining Edward Jones in 2017, he worked at Rose Pest Solutions for 12 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed investment solutions. The firm operates under a fiduciary standard and is notable for its large network of advisors and branches, as well as its affiliated capabilities beyond traditional advisory services.

Stephen Kucharski is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at TD Ameritrade, TD Ameritrade Investment Management, LLC, and SCOTTRADE, Inc. He serves as an elder at First Presbyterian Church in Royal Oak. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Virgie Ammerman is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has held roles at several firms including Primerica Financial Services, PFS Investments Inc., and Lally Group. Outside of financial advising, she is involved in business consulting focused on IT, strategy, and bookkeeping, and participates in property development services as well as a religious organization, Joyful Praise, PLLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based investment strategies managed by third-party asset managers and supports trade execution and custody through established financial service providers.

Jennifer Mullett is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 29 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cara Gardner is a financial advisor with LPL Financial in Farmington Hills, MI. She holds the CFP® and Series 66 designations and has 17 years of industry experience. Her prior work includes roles at Michigan Securities, Inc., Purshe Kaplan Sterling Investments, and PKS Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

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.

Ryan Caraway is a financial advisor with Merrill in Oxford, MI, holding Series 63 and Series 65 designations and 17 years of industry experience. He has worked at Merrill during multiple periods since 2015 and has been with Bank of America, N.A. since 2019. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Neil Bitzer is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at LPL Financial since 2020. Prior to this, he spent 15 years at Royal Alliance Associates, Inc., and has maintained the Professional Affiliation Program since 2002. Bitzer also operates BBCM Financial Services, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement consulting, and model portfolio management, with both discretionary and non-discretionary options available.

Eric Birch is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at LPL Financial since 2020. Prior to joining LPL, he worked at JP Morgan Securities LLC from 2015 to 2020. In addition to his advisory role, he is involved in tax preparation services through Capstone Tax Services, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and portfolio management options supported by proprietary and third-party research.

Karen May is a financial advisor with Mass Mutual Investors Services in Clarkston, MI, holding Series 63 and Series 65 licenses and having 14 years of industry experience. She has worked at Mass Mutual Investors Services since 2011 and has been associated with MassMutual Life Insurance Company since 2010. In addition to her advisory role, she is a licensed health and life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative, software-driven planning process and offers a range of programs including estate-settlement and employer-sponsored planning.