Michael Dowdell is a financial advisor at Ameriprise with four years of industry experience and a Series 66 designation. His prior work includes roles at The Huntington Investment Company, The Prudential Insurance Company of America, and multiple positions within Morgan Stanley and Bank of America. Before entering the financial sector, he spent 26 years at Bose Corporation. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and annual advice focused on reliable income sources and tax-aware withdrawal strategies. The firm’s retirement income service combines proprietary research and third-party data to support asset allocation and Social Security planning within a managed account framework.

Andrew Anderson is a financial advisor with Ameriprise in Waterford, MI, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Ameriprise in 2021, he worked at Hantz Financial Services for eight years. Outside of his advisory role, he owns Anderson Auto Restoration, LLC, a retail business, and is involved in administrative research and meeting preparation for Kapur Enterprises LLC. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities, supported by a centralized team that delivers tailored, non-discretionary retirement income recommendations.

Thomas Hufton is a financial advisor with Ameriprise in Fenton, MI, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior roles include positions at Cetera and Cetera Investment Services LLC. Outside of his advisory work, he serves on the Board of Directors for the Young Life Foundation and participates in finance committees for both the First Presbyterian Church of Flint and the United Way of Genesee County. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jacob Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Farmington Hills, Michigan. He has been working in the financial services industry since 2001 and holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a qualified Portfolio Manager with Series 7, 63, and 65 FINRA registrations, along with life and health insurance licenses. Jacob provides clients with a range of services such as legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He is able to manage personalized or defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He earned a Bachelor's of Science degree from Western Michigan University and holds a Certificate in Financial Planning from Oakland University. Jacob is also involved in the community through an organization named HOPE. Outside of his professional work, his personal interests include baseball, biking, boating, camping, fishing, golfing, hunting, music, scuba diving, and watching movies.

Michael Daugherty is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has worked at Bank of America, N.A. since 2015 and has been affiliated with Merrill Lynch Pierce Fenner & Smith Incorporated since 2011. Additionally, he is associated with Wayne State University. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Batchelder is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages Furlotte Consulting Group LLC, where he oversees staff and practice operations. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Kevin Brockman is a CFP® with 30 years of industry experience, currently serving as an advisor at LPL Financial since 2004. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he acts as co-successor trustee for family living trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports a range of investment approaches including model portfolios, third-party asset management, and customizable strategies, and integrates machine-learning tools for research and operational support.

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 at Cambridge Investment Research Advisors with a Series 66 designation and one year of industry experience. His prior work includes roles at Colonial Title Company and Planning Alternatives. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers access to multiple platforms, third-party advisers, and proprietary model strategies.

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.

Jennifer Mullett is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and external sources.

Cara Gardner is a financial advisor with LPL Financial based in Farmington Hills, MI, holding CFP® and Series 66 credentials and bringing 17 years of industry experience. Her prior roles include positions at Michigan Securities, Inc., Purshe Kaplan Sterling Investments, and PKS Advisory Services. She is also involved with CPG Capital, LLC, a business entity for tax and investment purposes. 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 portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives utilizing various strategic and tactical investment options.

Ethan Cramer is a financial advisor at OSAIC with 10 years of industry experience and holds a Series 66 designation. His prior work includes positions at OAIC Wealth, Inc., Royal Alliance Associates, Inc., and SII. Outside of his advisory role, he serves as a director for Trout Unlimited, a coldwater conservation organization, and is involved in managing online networking groups. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization. The firm supports a variety of programs such as comprehensive financial planning and third-party money manager strategies, delivered through a multi-advisor platform.