Karen Topolinski is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 25 years of industry experience. She has been with Cetera since 2007 and also leads Topolinski & Associates, a firm she founded in 1988 that offers tax, accounting, and wealth management services. In addition, she is a partner in South Saginaw Office Associates. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients through a multi-manager platform that offers various discretionary and non-discretionary portfolio management and financial planning services.

Steven Morey is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMORGAN Chase Bank, N.A. since 2007. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage and investment management capabilities.

Anna Christensen is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she joined as a financial advisor in 2020. She has been part of the Storozhenko Group since January 2021. Prior to her current role, Anna spent seven years at JPMorgan Chase, focusing on serving high net worth families. She holds Series 7 and Series 66 FINRA registrations and the Personal Investment Advisor designation. Anna's expertise includes liquidity management, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. She assists with performance analysis of various asset classes and provides client education across multiple generations. Her approach involves understanding her clients' financial situations and goals to design and implement customized wealth management strategies that address investment risk and support personal financial objectives. Anna earned a High School Diploma from Millington High School and an Associate's Degree from Mott Community College. In addition to her professional work, she is involved with the Food Bank of Eastern Michigan. Her personal interests include gardening, reading, running, spending time with family, and traveling.

Linda Bonham is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. She previously worked at National Planning Corporation for 17 years before joining LPL Financial in 2017. Outside of advisory work, she owns and manages Becker Bonham Management, LLC, an office building management business, and operates Advantage Bookkeeping, a tax preparation and accounting service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Amber Griffin is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021, following five years at Ameriprise Financial Services Inc. 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 and profit-sharing plans, corporations, and charitable organizations.

Jake Swartz is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity in various roles since 2022, including Investment Consultant and High Net Worth Service Associate. Prior to his tenure at Fidelity, Jake worked as a Financial Advisor at Equitable Advisors from 2020 to 2022. Jake approaches financial planning with a focus on client service, emphasizing the importance of developing strong relationships by understanding individual client needs and goals. He works collaboratively with clients to create personalized financial plans and is dedicated to helping clients achieve efficient and well-thought-out financial strategies. Outside of his professional work, Jake has personal interests that include boating, fishing, golf, hiking, outdoor adventures, and spending time with his pets.

Jay Momber is a Financial Consultant who collaborates with clients to support informed and confident financial decision-making. He emphasizes removing uncertainty about portfolio performance relative to clients' financial goals through structured planning and scenario-based analysis. This approach includes making disciplined adjustments to align with market changes and clients' evolving life circumstances. Jay's professional experience includes roles at Fidelity Investments, where he served as a Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, Financial Representative from 2022 to 2023, and High Net Worth Associate from 2021 to 2022. Prior to that, he worked as an Agent at Equitable Advisors from 2019 to 2021. Outside of his professional work, Jay has interests in fishing, fitness, football, golf, and movies.

Michael Drainville is a financial advisor with Raymond James & Associates in Fenton, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Raymond James since 2015. Drainville owns Horizon Group of Fenton L.L.C. and a business focused on recovery solutions communications, and he serves on the Finance and Investment Committee of Warwick Hills Golf & Country Club. Raymond James & Associates is a large broker-dealer and SEC-registered investment advisor managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services.

Shannon Mulloy is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions through its affiliated companies.

David Vallie is a financial advisor at Raymond James & Associates with 39 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Bank of America N.A. and Merrill. Vallie serves as Treasurer and Board Member of the Mighty Fortress Foundation, a nonprofit organization. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a wide range of portfolio management styles and affiliated research.

Drew Shapiro is a financial advisor at Mass Mutual Investors Services with 14 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Mass Mutual Investors Services since 2016 and with MassMutual Life Insurance Company since 2015. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of services including wrap programs, money-manager programs, and educational seminars.

Dawn Hausch Cooper is a financial advisor with Ameriprise in Flint, MI, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she owns and manages Operational Consulting, LLC, a business focused on supporting Ameriprise operations. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets. The firm provides comprehensive advisory, brokerage, and insurance solutions through a centralized team utilizing research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations.

Christine Marshall is Vice President, Wealth Planner at Fidelity Investments, where she has served since 2014. She offers comprehensive financial planning by partnering with clients and their families to develop and maintain strategies tailored to their specific financial planning needs and desires. Her professional experience includes roles as a Financial Advisor at Merrill Lynch from 2011 to 2014, and at Smith Barney from 2000 to 2005. Outside of her professional work, Christine enjoys family activities, kayaking, music, traveling, and yoga.

Raynell Tolley is a financial advisor with Ameriprise in Flint/Genesee Township, MI, holding Series 63 and Series 66 credentials and 18 years of industry experience. Prior to joining Ameriprise in 2025, Tolley worked at Raymond James & Associates for nine years and at Stephens Wealth Management Group for five years. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written recommendation reports that include income sources, Social Security claiming options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a largely automated process overseen by specialized committees, and serves clients through a broad range of advisory, brokerage, and insurance solutions.

Melissa Burt is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Burt also had a role at Betty James Pretty Things in 2024. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Mark Smith is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and RLM Financial Services, Inc. Outside of his advisory role, he is involved with RLM Financial Services in non-variable insurance activities. 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. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Dante Cioni is a financial advisor at Ameriprise with 24 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2001. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Thomas Halonen is a CFP® certified financial advisor with 21 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Farmers Insurance Group and Farmers Financial Solutions from 2006 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,000 advisors and 15,000 branch offices.

Jack Willson is a Planning Consultant at Fidelity Investments, a role he has held since 2023. In this capacity, he focuses on assisting clients in accumulating wealth and generating reliable sources of income tailored to their financial goals. His professional approach centers around creating financial strategies that align with the individual needs of his clients. Since joining Fidelity Investments, Jack has been dedicated to providing planning services that support clients in meeting their long-term financial objectives. His work involves understanding client goals and developing plans to help achieve them through disciplined financial management. Further details regarding Jack's education, credentials, and personal interests have not been provided.

Jeanette Mayer is a financial advisor at Morgan Stanley in Grand Blanc, MI, holding a Series 66 designation with seven years of prior experience at Edward Jones and additional roles at Global Team Blue and Katz Media Group. She joined Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations in its financial planning process.