Kaiden Heinrich is a financial advisor with LPL Financial holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining LPL Financial, he worked in education and retail, including positions at Northwood University, Delta Community College, Vassar High School, and Zehnders of Frankenmuth. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a large national network. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Jeffrey Williams is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He specializes in assisting retirees and small business owners with their financial goals, focusing on areas such as divorce transition planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. Jeff holds a Bachelor's degree in Finance from Michigan State University and a Master's degree from the University of Detroit Mercy. He has been registered in the financial services industry since 1986 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional duties, Jeff is actively involved in his community through participation in the Greater Flint Sunrise Rotary and coaching youth baseball, basketball, and flag football with the Lake Orion Dragons. He lives in Lake Orion, Michigan with his wife Christine and has interests in baseball, basketball, fishing, football, and traveling.

Chase Clark is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked at Bank of America, Merrill, LPL Financial, and other financial institutions since 2020. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karin Hawkins is a financial advisor at Fidelity with 16 years of industry experience and holds a Series 66 designation. Her prior work includes roles at Fifth Third Securities and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including fund-of-funds and model portfolios for intermediary platforms.

David Hood is a financial advisor with STIFEL in Owosso, MI, holding a Series 66 designation and 21 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he serves as president of Oak Hill Cemetery, overseeing its operations. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support client asset allocation and planning decisions.

Morgan Swank is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Morgan worked at Wentworth Real Estate Group, Applied Innovation, Rachor Financial, and Sleep Number Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

William Protasiewicz Jr. is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 registrations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Prior to his finance career, he was employed at Tractor Supply Co. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

Kourtney Fuller is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this position, she collaborates with clients to understand their financial goals, priorities, and risk tolerance, providing comprehensive financial planning analyses and personalized guidance to support informed decision-making. Her professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2023 to 2025, followed by Investment Consultant from 2025 to 2026, before assuming her current role. This progression reflects her developing expertise in financial planning and investment consulting. Outside of her professional work, Kourtney has interests in activities such as going to the beach, attending concerts, gardening, caring for pets, playing softball, and traveling.

David Stewart is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James & Associates since 1999. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional advisory services.

Thomas Hankins Sr. is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018, following a nine-year tenure at Ameriprise Financial Services. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Alan Sjoberg is a financial advisor at Primerica Advisors with Series 63 and Series 65 credentials and one year of industry experience. He has been affiliated with Primerica Financial Services since 1997 and operates an additional business outside of investment services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients through model-based portfolio recommendations and discretionary management.

Kellie Palm is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with a concurrent tenure at JPMorgan Chase Bank, N.A. dating back to 1995. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis with clients retaining final decision authority.

Shaun Perakovic is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. 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 applying an ESG eligibility framework in its recommendations.

Joseph Hamo is a financial advisor with Wells Fargo Clearing in Grand Blanc, MI, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2010 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee for his father's trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gary Denis is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Stifel Nicolaus & Co Inc since 2020, following an 11-year tenure at Ameriprise Financial Services, Inc. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation guidance.

Jeremy Smith is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan entities since 2008. Outside of his advisory role, he is the owner and partner of Really Real Reelz LLC, a social media company developing online content platforms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and a centralized due diligence process to inform non-discretionary advice.

Denise Palmer is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has been with Raymond James since 2014. Outside of her advisory role, she serves as a guardian and conservator for a family member, managing personal and financial affairs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a broad network of advisers and affiliated research resources.

Tara Griggs is a financial advisor at Merrill with 11 years of industry experience and holds Series 65 and Series 63 licenses. She has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Clark II is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior work includes roles at Cetera and The State Bank. Clark is also involved with ChoiceOne Bank through a dual bank program as a financial advisor. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, delivering tailored, research-based recommendations supported by a centralized consulting team and algorithmic tools. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

David Minarik is a CFP® with 21 years of industry experience and has been with Edward Jones since 2004. He is based in Owosso, MI. Outside of his advisory role, he is involved with Minarik Properties LLC, a rental property business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.