Troy Allen is a financial advisor at Charles Schwab with 29 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co. since 2005. Outside of his advisory role, he serves as the Grand Rapids Chapter President of the Ruffed Grouse Society & American Woodcock Society, where he leads the planning team for chapter events. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by its integrated operational structure and centralized service model.

David Vera is a CFP® professional with 17 years of industry experience, currently serving at Charles Schwab in Troy, MI since 2014. He holds the Series 66 designation and has been involved with Charles Schwab bank and Charles Schwab over the past 12 years. Vera is a board member of the Boys & Girls Club of Troy, participating in community outreach and fundraising activities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Jennifer Galey is a CFP® professional with 14 years of experience, currently with Ameriprise in Troy, MI. She has been with Ameriprise and its affiliated entities since 2010, including a role at Key Management Group from 2010 to 2018. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Lauren Doherty is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in the Mid Michigan area. She focuses on being a resource and advocate to help clients achieve their financial aspirations by providing thoughtful investment guidance, proactive planning, and comprehensive wealth management solutions. Lauren earned a Bachelor's degree in Finance from the Eli Broad College of Business at Michigan State University. She holds the Personal Investment Advisor (PIA) designation and has experience in retirement planning, family wealth management strategies, college education planning, small business strategies, and women and wealth. Prior to joining Merrill, Lauren worked at Equitable Advisors, where she specialized in helping public school educators with retirement planning. Outside of her professional role, Lauren coaches sideline and competitive cheerleading for Bridgeport High School and is involved with the Frankenmuth Jaycees. She enjoys spending time with her family, camping, cooking, dancing, gardening, music, painting, and skiing.

Nancy Papo is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Her prior work includes roles at Centaurus Financial, Inc. and Ameriprise. She also serves as a FINRA arbitrator in a non-investment capacity, hearing arbitration cases and deciding outcomes based on evidence. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party managers.

Sally Hawk is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. She previously worked with Gordon Financial Advisory Services and FSC Securities Corporation for over two decades. Outside of advisory services, she owns a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services supported by advanced research tools and a broad platform of financial products.

Lauren Ruggirello is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her work history includes multiple roles at Merrill and Bank of America, as well as positions outside the financial services sector. 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 a range of individual and institutional clients.

Rebecca Glaeser is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has worked at Bank of America, N.A. and Merrill since 2003. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Potter is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in managing a restaurant and bar business in Ferndale, MI, and serves as Managing Director of Generational Consulting Services, LLC, which provides payroll and business account services. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, delivering tailored recommendation reports that incorporate detailed income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to support clients, emphasizing managed accounts and utilizing algorithmic tools overseen by dedicated committees.

Taylor King is a financial advisor with Thrivent Investment Management, holding a Series 66 credential and one year of industry experience. Prior to joining Thrivent, King worked at the Department of Defense and has a background that includes roles at Lucianos and Aloia & Associates. Outside of advisory work, King is the CEO and founder of Naturally King LLC, a business that sells all-natural skincare products through local vendor shows. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written, holistic financial planning that covers a broad range of topics but does not include implementation of recommendations. The firm’s approach combines planning with managed-account programs under a consolidated billing option while maintaining separate service functions.

Todd Hoover is a financial advisor with LPL Financial in Macomb Township, MI, holding Series 63 and Series 65 designations and 41 years of industry experience. He previously worked for National Planning Corporation for 10 years before joining LPL Financial in 2017. Hoover also has experience as a fixed insurance and annuity agent and operates Hoover Financial Services as a DBA for his LPL business. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Peter Andrew is a CFP® with eight years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. in Troy, MI. He has worked with firms including Andrew Financial, Inc. and FCA, US LLC. Outside of his advisory role, he serves on the advisory board of Jeep Jamboree USA, where he participates in business decisions and client events. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning supported by analytical modeling and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Wade Masen is a financial advisor with LPL Financial, holding a Series 63 credential and over 40 years of industry experience. His prior roles include long tenures at Sigma Planning Corporation, Sigma Financial Corporation, and Masen, Frantz & Associates. Outside of his advisory work, he has involvement with insurance sales through WMS LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kurt Schuster is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial since 2010. He provides personal income tax preparation and planning services through Qolity Tax and is involved in other business ventures including a business ownership role at MOB Industries. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and research resources.

David Gardiner is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on aligning wealth with clients' intent and purpose through investment and strategic planning. Since starting his career in 2009 with a background as an analyst, David has developed a disciplined approach to understanding families' financial pictures, aiming to build tailored family offices for each client by incorporating behavioral finance. David's client focus areas include family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Certified Investment Management Analyst (CIMA) designation, and is a Personal Investment Advisor (PIA). His education includes a bachelor's degree from Northwood University and executive education from both the Yale School of Management and The Catholic University of Michigan. Outside of his professional responsibilities, David is involved in community organizations including the Catholic Youth Organization and the Priests' Pension Board of the Archdiocese of Detroit. He and his wife Elizabeth reside in Lake Orion, Michigan, where they enjoy spending time with their two children.

Maria Victoria Fought is a CFP® with 18 years of industry experience, currently serving as a financial advisor at LPL Enterprise. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Mass Mutual Investors Services. She is involved in a Prudential-sponsored non-variable insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Daniel Welsh is a financial advisor with RBC Capital Markets, LLC in Bloomfield Hills, Michigan. He holds the Series 66 designation and has eight years of industry experience, including seven years at UBS Financial Services Inc. His prior work history also includes roles at Okeefe LLC, Dicks Sporting Goods, and the University of Mississippi. RBC Wealth Management serves a diverse client base, including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning solutions, leveraging both in-house and third-party investment managers.

Harrison Bowman is a financial advisor at LPL Financial with Series 66 credentials and two years of industry experience. Prior to joining LPL Financial in 2024, he was with Cambridge Investment Research, Inc. from 2022 to 2024. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a range of strategies and tools.

Grant Cobb is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and eight years of industry experience. His career includes roles at Axa Advisors, Prudential, Cushman & Wakefield, and Bordine's Nursery. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm offers a range of advisory models through Investment Adviser Representatives, third-party managers, and affiliated asset managers, emphasizing fiduciary services and diverse investment options.

Julie Groulx is a financial advisor with LPL Financial in Oxford, MI, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with LPL Financial and its predecessor firm since 1997. Outside of her advisory role, she is involved with Velovita, a nutritional company based in Plymouth, MI. 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, supported by various operational and research tools.