Nicholas Sarnacki is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for 11 years. He also provides financial services through Horizon Advisers, where he conducts CPA-related activities alongside investment advisory services. Cetera Investment Advisers LLC serves a diverse client base that includes 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 with both discretionary and non-discretionary program options.

Stefan Lightfoot is a Financial Advisor with Merrill Lynch Wealth Management, serving as a Merrill Financial Solutions Advisor. He works closely with clients to understand their unique financial goals and develop tailored strategies to pursue their short-, mid-, and long-term objectives. Stefan provides guidance on a range of financial matters, including investing, retirement planning, liquidity management, and education planning. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Stefan focuses on areas such as college education planning, managing new wealth, personal retirement planning, retirement income, and small business strategies. He emphasizes ongoing advice and portfolio adjustments to align with clients' evolving needs and priorities. Stefan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Central Michigan University. In addition to his professional work, Stefan is involved with Michigan DECA, reflecting his engagement in community activities related to leadership and business education.

Nicholas Adams is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. In addition to his advisory role, he is involved with MFC - Pinnacle Wealth Strategies, where he engages in the sales and marketing of fixed annuities, insurance products, and securities. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and managed account solutions. The firm utilizes asset allocation tools and third-party platforms to construct diversified portfolios for its clients.

Christine Brinkel is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2021. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized custody, and a formal alternative investment program.

Tami Vongerichten is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2014. Outside of her advisory role, she serves as a power of attorney for her parents. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Brenden Kevelighan is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience and previously worked with Equitable Advisors and in various government roles including the U.S. House of Representatives. Outside of financial services, he has experience working in the food service industry. Mass Mutual 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 various programs including wrap and money-manager programs, and structures planning engagements as annual, collaborative relationships.

Brandon Harris is a financial advisor with Edward Jones in Livonia, MI, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he served in the US Army for 22 years. Outside of his advisory role, he has been involved in several business ventures, including a minority ownership in a pizza franchise, acting as a trustee for a family-owned shirt company, and assisting with a digital application company owned by his wife. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment options. The firm manages over $1 trillion in assets and operates a broad network of financial advisors and branch offices across the United States.

Tobey Miller is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and 12 years of industry experience. He previously worked at Scottrade and TD Ameritrade before joining LPL Financial in 2018. Outside of his advisory role, Miller is involved in a music ministry, providing music lessons and performances. 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, featuring both discretionary and non-discretionary management supported by in-house and third-party research.

Jon Russell is a Series 66 licensed financial advisor at Raymond James & Associates with 22 years of industry experience. He previously worked at Bank of America and Merrill for a total of 10 years before joining Raymond James in 2019. Outside of his advisory role, he serves as a committee member for South Lyon Travel Basketball, a youth basketball program. 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, pension plans, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Jennifer Bessen is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 22 years of industry experience. She previously worked at Hantz Financial for 13 years before joining Ameriprise Financial Services in 2017. Outside of advisory work, she serves on the Board of Directors of the University of Detroit Moms Club and is involved in tax planning and business expense tracking activities. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income stability and tax-aware withdrawal strategies.

Jill Tiell is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Riccardo Selva is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His work history includes roles at Primerica Financial Services and PFS Investments Inc., as well as teaching and performing music since 1994. He is also engaged as a music performer and teacher for churches and schools. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a range of investment models tailored to different client needs.

Daniel Sherry is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has previously worked at Ford Motor Company and Wipro Limited. Outside of his advisory role, he serves on the Board of Directors and Finance Committee for Tipping Point Theatre. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Heather Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2018 as the Business Manager after spending four years as the Client Relationship Manager. Heather has dedicated the past 16 years to the financial industry. Her expertise lies in personalized wealth management and comprehensive financial planning strategies. She works closely with individuals, families, and business owners to develop customized solutions that address investments, retirement planning, tax considerations, and legacy goals. Heather holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Heather completed her high school education at Caro High School. Outside of work, she lives in Royal Oak with her daughter Haley, son RJ, and dog Maddie. She is involved with the Alzheimer's Association, Detroit Dog Rescue, and St Jude's.

Ronald Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2011 after earning a Bachelor's degree in Accounting/Management from the Purdue University Krannert School of Management. Ron holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In his role, Ron manages the Covered Call, Investing for Growth, and Investing for Income equity strategies. He also contributes to implementing the high-yield and international equity strategies and handles Initial Public Offerings for the team.

Mark Schneider is a financial advisor with LPL Financial in Northville, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Wells Fargo Advisors. 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 model portfolios and research from various sources.

Alicia Crafts is a Financial Consultant at Fidelity Investments, where she works closely with clients and their families to develop customized financial plans tailored to their goals and preferences. She emphasizes collaboration and a holistic approach to financial planning aimed at providing flexibility and peace of mind. Alicia has been with Fidelity Investments since 2020, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she held various positions at TCF Bank from 2016 to 2020, including Assistant Branch Manager and Branch Supervisor. She began her banking career as a Branch Teller at both CCF Bank and TCF Bank. Outside of her professional work, Alicia enjoys bowling, family activities, parenthood, and reading.

Christopher Walker is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. He partners closely with clients to develop financial plans tailored to their individual goals and circumstances, utilizing Fidelity's technology and platform to simplify complex financial planning. Christopher's professional experience spans over a decade and a half in the financial services industry. Prior to joining Fidelity, he served as Vice President, Financial Advisor at Huntington Financial Advisors from 2013 to 2024. Earlier in his career, from 2007 to 2013, he was a Licensed Insurance Sales Representative with State Farm Insurance. Outside of his professional work, Christopher has personal interests that include cars, family activities, and golf.

John Dulude is a financial advisor at LPL Financial with 14 years of industry experience. He previously worked for Crown Capital Securities, LP for 13 years before joining LPL Financial in 2024. Outside of advising, he is involved in tax preparation and accounting, and holds a role providing non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Michele Dimovski is a Series 66-licensed financial advisor with UBS Financial Services in Plymouth, MI, where she has worked since 2007, totaling 17 years of industry experience. Outside of her advisory role, she has engaged in food delivery as a side job. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.