John Stillwagon is a financial advisor with Morgan Stanley in Bloomfield Hills, MI. He holds Series 63 and Series 65 credentials and has 34 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and uses proprietary tools to model outcomes, serving clients through both direct and employer-sponsored agreements.

Peter Millar III is a financial advisor with LPL Financial in Romeo, MI, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at NYLIFE Securities Inc and New York Life Insurance Company. Outside of advisory work, he has longstanding experience in the food services industry. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

David Patton is a financial advisor at Cetera with 25 years of industry experience and holds a Series 66 designation. His prior work experience includes roles at Home Depot and Sur La Table. Outside of advising, he owns and operates businesses involved in real estate financing and home remodeling, and he also sells fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates as a multi-manager platform with access to both affiliated and third-party investment managers.

Christopher Andoni is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, he held roles at Comer & Cross Concrete Coatings, Z Modular/Zekelman Industries, and various other companies. 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, pension plans, corporations, and charitable organizations.

Richard Cech Jr. is a financial advisor at Osaic with 24 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Osaic since 2023. His prior experience includes roles at FSC Securities Corporation and his own CPA firms, Richard R. Cech, CPA, and Cech & Company LLC. Outside of advising, he provides certified public accounting services through his sole proprietorship. Osaic Wealth serves a broad mix of retail and institutional clients via a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and advisor-managed portfolios. The firm employs a model-based investment process with asset allocation and portfolio optimization tools, supporting discretionary management and third-party managers.

Daniel Girdler is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management, bringing over 40 years of experience in managing client portfolios. He serves as a senior partner in the TTGBE Group, providing clients with proven, personalized strategies that incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. His client focus areas include individual and corporate investment strategy, tax minimization, and retirement income planning. Mr. Girdler holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation and graduated from the University of Michigan School of Business in 1982 with a concentration in accounting. Prior to joining Merrill Lynch, he was a CPA with Plante Moran in Southfield, Michigan. He is an active member of the Detroit Athletic Club and Bloomfield Hills Country Club. A lifelong resident of Metro Detroit, he resides in Birmingham with his wife, Julia. Outside of his professional work, Mr. Girdler is involved with the Kirk Gibson Foundation for Parkinson's and RacquetUp Detroit. His personal interests include golfing, reading, and spending time with his family.

Christine Paul is a financial advisor with LPL Financial in Oxford, Michigan, holding Series 63 and Series 66 credentials and 33 years of industry experience. Her prior work includes roles at J.P. Morgan Securities and Chase Investment Services Corp. She is also involved with Capstone Wealth Management and Clearview Wealth Management, both DBAs operating under LPL Financial. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with investment strategies implemented through discretionary or non-discretionary approaches.

Abraham Post Sr. is a Wealth Management Advisor and Managing Director at Post & Associates with Merrill Lynch Wealth Management. He began his financial services career at Merrill in 1992 and has since accumulated over 30 years of experience. Abe specializes in investment planning and offers strategies to individuals, families, and businesses, including guidance on company-sponsored retirement plans. His areas of expertise include divorce transition planning, family wealth management strategies, legacy and personal retirement planning, portfolio management services, and both individual and corporate investment strategies. He holds a Bachelor's degree in Finance with an emphasis on Market and Investment Analysis from Wayne State University in Detroit. Abe has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Active in his community, Abe is a member of St. Nicholas Greek Orthodox Church and serves as treasurer on the Harbor View Ridge Board in Bay Harbor, Michigan. Residing in Troy, Michigan, Abe lives with his wife, Tracy, their two children, Katarina and Nik, and their dog, Zoe. Outside of his professional work, he enjoys boating, cooking, golfing, running, traveling, and spending time with his family.

Hunter Chappell is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked at the University of Michigan Flint and Action Water Sports. Ameriprise serves individuals approaching or in retirement, primarily those with substantial investable assets, by providing retirement-income planning through a centralized consulting team. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports and offers a broad range of advisory, brokerage, and insurance solutions.

Kevin McCarthy is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and Wall Street Financial Group, Inc. Outside of his advisory role, he serves as president of the Long Lake Pines Association, managing budgeting, finance controls, and community operations. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization supported by advanced tools and multiple managed account options.

Michael Ringler is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various firms including Avantax and Cetera. He is also the owner of Ringler Wealth, LLC, a financial services business in Clinton Township, Michigan, where he serves as an insurance broker and manages client relationships. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-oriented planning engagements using firm-approved analytical tools, with optional implementation of recommendations through brokerage or insurance arrangements.

Darren Welch is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. Prior to joining Ameriprise, he held positions at Ally Bank and has worked in various roles including at educational institutions and hospitality businesses. He is based in Troy, MI. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Jason Baird is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior roles include positions at Aurora Securities, Concorde Investment Services, and Hantz Financial Services. Outside of his advisory work, he serves as a non-voting board member of Verlinde Insurance Agency, a licensed insurance corporation. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and multiple program offerings.

Daniel Fisher is a financial advisor with Raymond James & Associates in Troy, MI, holding a Series 66 designation and eight years of industry experience. His career includes roles at Raymond James Financial Services, Royal Alliance Associates, and Michigan Financial Companies. Outside of advising, he owns a small gutter cleaning business serving residential neighborhoods. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and various organizations, offering financial planning and consulting with a range of portfolio management styles and municipal advisory services.

Dan Thornton is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 1998, progressing through various roles including VP, Financial Consultant; VP, Regional Planning Consultant; Work Place Guidance Consultant II; Regional Consultant; Regional Education Consultant; and Financial Consultant. Prior to joining Fidelity, Dan worked as an Investment Executive at UBS and as a Personal Financial Advisor at American Express Financial Advisers (Ameriprise). Dan focuses on co-creating comprehensive wealth plans that help clients utilize employer benefits, accumulate savings, manage spending, protect assets, and transfer wealth. His approach incorporates principles of investing and income diversification tailored to client preferences. Outside of his professional work, Dan enjoys boating, bowling, cooking and baking, fitness, golf, and softball.

John Rochow is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. Based in Birmingham, Michigan, he partners with ultra-high net worth clients across the United States to provide financial guidance and strategies designed to manage and streamline complex wealth situations. John is a member of the Locniskar Pursel Biddinger Nienberg Rochow Group at Merrill. Since joining the firm in 2009, John has specialized in advising high-net-worth entrepreneurs, families, business owners, and corporate executives, particularly those experiencing significant liquidity events such as company sales, IPOs, or large contracts in sports and entertainment. His approach focuses on listening, guiding, and delivering thoughtful and creative financial strategies to empower clients and their families in making informed financial decisions. His services encompass investment consulting, wealth management, concentrated stock strategies, investment banking services, as well as philanthropic, trust, and estate planning. John graduated from the Stephen M. Ross School of Business at the University of Michigan. He holds several industry designations, including Certified Private Wealth Advisor® (CPWA®), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™), and Certified Plan Fiduciary Advisor® (CPFA®). He has been recognized by Forbes and Barron's in various listings of top wealth advisors and teams. Outside of his professional work, John has been involved in community and philanthropic boards, including the Birmingham Detroit Country Day School Alumni Club, the Detroit Institute of Arts Founders Junior Council, and the University of Michigan Ross School of Business Alumni Club. His personal interests include boating, golfing, and skiing.

Aiden Krause is a financial advisor with Mass Mutual Investors Services in Bloomfield Hills, MI. He holds a Series 66 designation and has one year of industry experience. Prior to joining Mass Mutual Investors Services and MassMutual Life Insurance Co, Krause worked for three years at Detroit Manufacturing Systems. MassMutual Investors Services 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 offers a range of programs including wrap accounts, money-manager programs, and educational seminars.

Nicholas Huizenga is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. His prior background includes various roles outside of the financial industry, such as working at The Session Room and Michigan State University Culinary Service. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning through written recommendation reports and ongoing advice targeting dependable income sources and tax-aware withdrawal strategies.

Keith Nast is a financial advisor with Cetera, holding a Series 66 designation and 24 years of industry experience. He has held positions at Cetera Wealth Services, Concourse Financial Group Securities, Lincoln Financial Securities, and Independent Advisors Group. Nast also operates Nast Financial Solutions LLC, where he offers securities advice alongside life and annuity insurance products. Cetera Investment Advisers LLC is an SEC-registered firm servicing individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. It offers a multi-manager platform with various portfolio management, financial planning, and retirement service options across discretionary and non-discretionary programs.

Michael Burkhardt currently serves as a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. His professional experience also includes positions at Bank of America - Merrill Lynch, where he was an Assistant Vice President and Financial Solutions Advisor from 2019 to 2022, and participated in the National Advisor Development Program from 2018 to 2019. Throughout his career, Michael has partnered with clients to address a range of financial needs, aiming to build lasting relationships. His expertise spans investment consulting and financial solutions advisory. Outside of his professional work, he enjoys spending time with friends, attending social events, and playing golf.