Renae Kobler is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at USAA and Bank of America. In addition to her advisory work, she is employed at United Tax Service Inc., where she performs tax preparation and accounting. Cetera Investment Advisers LLC provides a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and program structures.

Richard Hueter is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base, including individuals, high net worth clients, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, incorporating forward-looking capital market assumptions and probabilistic modeling.

Jacob Bourassa is a financial advisor with Raymond James Financial in Troy, Michigan, holding a Series 66 designation and one year of industry experience. He has worked with several firms, including Commonwealth Financial Network and Mann Financial Group. Outside of his advisory role, he is associated with Southworth & Wilson, Inc. in a non-investment support capacity. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutions. The firm provides tailored, non-discretionary advice using analytical tools and supports advisory programs that incorporate technology and municipal finance expertise.

Kieffer Donnelly is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within JPMorgan organizations since 2017. His background also includes teaching positions at Walsh College of Accountancy and Business Administration and Oakland Community College. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Meagan Larson is a financial advisor at Ameriprise with 14 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of her advisory role, she serves on the Board of Directors for the Oxford Junior Wildcats, acting as Treasurer and Fundraising Coordinator. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations delivered through a centralized consulting team.

Jennifer Delay is a financial advisor with Ameriprise in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Ameriprise is an institutional firm providing retirement-income planning services primarily to individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team, emphasizing a range of advisory, brokerage, and insurance solutions.

Robert Dietrich is a financial advisor at LPL Financial with 32 years of industry experience. He holds the Series 63 and Series 65 designations and has been with LPL Financial since 2015. Dietrich also manages his business under the name Aquest Wealth Strategies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various investment strategies.

Richard Nauer is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 45 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements with employers.

Brendan Clancy is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with personalized financial advice and strategies aimed at securing their financial futures. Brendan specializes in areas such as education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, tax minimization, and retirement income. Before becoming a financial advisor, Brendan gained experience as a seasonal client associate on an advisory team at Merrill, where he was involved in relationship management and deepening his understanding of the economy and investments from a wealth management perspective. Prior to that, he worked as a Production Unit Leader at Fiat Chrysler Automobiles, managing multiple lines of production and assembly in Warren, Michigan. Brendan holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University. He has earned the CERTIFIED FINANCIAL PLANNER™ certification from the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Dream Centers of Pontiac, Gleaner's Food Bank, and the Salvation Army. Brendan resides in Grosse Pointe Woods with his wife Meghan and their daughter Nora.

Eric Schreiner is a financial advisor with LPL Financial in Troy, MI, holding Series 63, Series 65, and Series 66 licenses and 21 years of industry experience. He previously worked at Hanlon Investment Management and Assetmark Brokerage, LLC. Schreiner also operates Schreiner Financial LLC, a business entity used for tax and investment purposes outside of advisory activities. 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 programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michelle Rafalski is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. She holds the Series 66 credential and previously worked at Marcus & Millichap for eight years. Rafalski is active in her community, serving as a board member of the Birmingham Bloomfield Chamber of Commerce and co-chairing networking efforts for the Royal Oak Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, providing tailored strategies using proprietary and third-party models across multiple platform arrangements.

Trisia Gotham is a financial advisor at LPL Financial with 15 years of industry experience. She holds a Series 66 designation and previously worked at infinex Investments, Inc. for eight years. In addition to her advisory role, she serves as a branch manager and notary at Flagstar Bank. 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, including discretionary and non-discretionary management supported by model portfolios and research.

Matthew Dzieciolowski is a financial advisor at Morgan Stanley in Bloomfield Hills, MI, holding a Series 66 license with one year of industry experience. His prior work includes roles at MDVIP, Smith and Nephew, MDMD Sales, LLC, and Medacta USA. Morgan Stanley Wealth Management provides a broad range of advisory services to individual and institutional clients, offering tailored financial planning supported by approved tools and research. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional offerings with additional activities such as private funds and structured-product services.

Kevin Hepner is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he co-owns a business called David Brazen. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers these services through a centralized consulting team working alongside financial advisors.

Steven Dodson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 with PaineWebber (now UBS) and has since focused on retirement income planning, education savings, and wealth management strategies. Steven holds Series 7, 63, and 66 FINRA registrations, along with life, health, and variable annuity licenses. He also holds the Chartered Retirement Planning Counselor™ designation, among other professional credentials including CFP, CPFA, PIA, and RAFA. Steven works with individuals, families, and corporate executives to develop and proactively manage personalized wealth management strategies designed to preserve income and grow assets. His areas of client focus include corporate executive services, divorce transition planning, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. He emphasizes building enduring relationships based on trust, integrity, and confidentiality. He holds a Bachelor's Degree from Oakland University and resides in Rochester, MI with his wife and two sons. In his free time, Steven enjoys biking, boxing, golfing, music, running, swimming, and yoga.

Kerigan Schmidt is a financial advisor at Raymond James Financial with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, Schmidt worked at Morgan Stanley for four years and has held positions in both corporate and self-employed roles. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individual and high-net-worth clients, institutional investors, and charitable organizations. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through an affiliated municipal advisor.

Paul Dries is a financial advisor with Edward Jones in Utica, MI, holding Series 63, 65, and 66 credentials and seven years of industry experience. He has worked at several firms including Ameriprise, The Prudential Insurance Company of America, and J.P. Morgan Securities LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Jordan Hessling is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and previously worked at Fifth Third Bank and Bank of America, N.A. before joining Merrill. 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.

Gerald Milliken is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 66 and Series 63 designations and previously worked at JPMORGAN Chase Bank, N.A. for 19 years before joining his current firm in 2025. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver customized investment recommendations.

Nicholas Juncaj is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with J.P. Morgan since 2015, including a brief period managing his own firm in 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, offering non-discretionary advisory programs supported by centralized due diligence and ESG processes.