Mehul Mistry is a CFP® professional with 29 years of industry experience, currently with OSAIC since 2024. He previously worked for Securities America Advisors, Inc. and Securities America Inc. for 15 years each. Outside of advisory work, Mistry is involved with the Neelam Popat Mistry Memorial Foundation, assisting with charitable distributions, and participates in a peer study group of financial advisors with family ties to the industry. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, with capabilities for discretionary and advisor-managed strategies supported by robust risk assessment tools.

Linda Laprad is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 34 years of industry experience. She has been with Raymond James since 1999, serving in various capacities within the firm for over two decades. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains distinctive programs such as municipal and public-finance advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Amanda Kebbe is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds the Series 66 designation and has been with JPMorgan Securities LLC since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Emma Goodman is a financial advisor at Thrivent Investment Management with Series 66 credentials and two years of industry experience. Before joining Thrivent, she worked at Comerica Bank for seven years. Outside of her advisory role, she serves as a tabulator for the Michigan Color Guard Circuit, an indoor color guard marching activity. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering goal-based analyses across various planning topics. The firm combines planning with managed-account programs under the WealthPlan option while maintaining separate planning and investment services.

Mark Karcher is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has worked with Mass Mutual Investors Services since 2003 and has been associated with MassMutual Life Insurance Co since 1990. Outside of his advisory role, he owns and operates Karcher Agency Inc., which provides life, health, dental, and vision insurance services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using proprietary software and provides specialized planning programs, including recent additions like standalone Divorce Planning.

Amy Smith is a financial advisor with Ameriprise Financial Services LLC in Novi, MI, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with Ameriprise since 1998. Outside of her advisory role, she owns a business called Legacy Family Office and serves on the finance committee of St. James Catholic Church. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, utilizing a centralized consulting team that delivers data-driven, non-discretionary recommendations. The firm combines research, modeling, and tax-efficiency analysis to support retirement strategies, with a focus on assets managed within Ameriprise accounts.

Gurveer Mann is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and Signator Investors, Inc. Outside of financial advising, he serves as a head coach for freshman boys soccer teams at local high schools and is an enrolled agent authorized to represent clients before the IRS. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supporting a range of investment strategies and custodial arrangements.

Ashley Gajda is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Bank of America, Merrill, and PNC Bank. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, and offers a range of financial planning and consulting services, including municipal advisory and institutional fiduciary solutions.

Aaron Romain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a member of the Kulhavi Team since 1998 and serves high net worth individuals and their families. Aaron specializes in portfolio management, retirement planning, Executive Stock Option Plans, and 529 planning, offering a personalized approach tailored to each client's financial objectives. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, and the Personal Investment Advisor designation. Aaron graduated from the University of Michigan with a bachelor's degree in psychology. Beyond his professional role, he is a member of the organization Legatus and a founding member of 100 Businesses Who Care. Aaron resides in Plymouth with his wife Carla and their three children. His approach to wealth management emphasizes individualized strategies centered on building strong relationships with clients and their families. He is involved in the New Day Foundation for Families.

Kenneth Szczypka is a financial advisor at Cetera with 25 years of industry experience. He holds Series 65 and Series 66 designations and has worked at Cetera since 2021, following prior roles at VOYA Financial Advisors and M&S Financial. He is also a CPA and co-owner of Myler & Szczypka PC, an accounting and tax firm. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, supporting both discretionary and non-discretionary account management.

Mitchell Frazier is a financial advisor with J.P. Morgan Securities in Ann Arbor, MI, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence and combines quantitative and qualitative research to develop model asset allocations.

Heather Lindenberg is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes roles at Bank of America, N.A. and Morgan Stanley Smith Barney. 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 individuals, high-net-worth clients, and institutional investors.

Frank Reid is a financial advisor with LPL Financial in Northville, MI. He holds Series 63 and Series 65 credentials and has 21 years of industry experience. His prior work includes roles at First Allied Advisory Services and First Allied Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jonathan Solace is a financial advisor at UBS Financial Services with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at UBS since 2020. Prior to joining UBS, he was with Ally Financial from 2015 to 2020. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Leon Carter is a financial advisor with Ameriprise in Canton, MI, holding a Series 63 designation and 41 years of industry experience. He has been with Ameriprise and its affiliated entities since 1984. Outside of his advisory role, he is involved with A2 Business LLC. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Brian Mell is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 25 years of industry experience. He has worked at DFCU Financial Federal Credit Union since 2004 and was associated with CUSO Financial Services, LP for 21 years. Outside of his advisory role, he is involved with DFCU Financial Partners, an entity related to his LPL business activities. 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 a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Patrick Duerr Jr. is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Raymond James since 2012. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing various portfolio management styles supported by in-house research and affiliated sub-advisers.

Carolyn Kunik is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has been with Merrill since 2009, following a brief tenure at Banc of America Investment Services, Inc. in the same year. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Smith is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Financial from 2013 to 2019. Outside of his advisory role, he has served on the executive board of the Detroit Athletic Club, including terms as director of hockey operations, vice president, and president. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored 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, allowing advisors to utilize affiliated and third-party managers or create custom strategies.

Conan Malmer is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 designations. He has 33 years of industry experience and has been with Cambridge Investment Research Advisors since 2009. Malmer is also involved in community activities as a director of a nonprofit organization dedicated to maintaining local baseball fields and serves on the board of a nonprofit health care center. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers both discretionary and non-discretionary management across multiple platforms.