Amy Smith is a financial advisor with Ameriprise Financial Services LLC in Novi, MI, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with Ameriprise since 1998. Outside of her advisory role, she owns a business called Legacy Family Office and serves on the finance committee of St. James Catholic Church. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, utilizing a centralized consulting team that delivers data-driven, non-discretionary recommendations. The firm combines research, modeling, and tax-efficiency analysis to support retirement strategies, with a focus on assets managed within Ameriprise accounts.

Gurveer Mann is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously worked at Ameriprise Financial Services for seven years before joining OSAIC in 2021. Outside of his advisory role, Mann serves as the head coach for freshman boys soccer at Salem High School and Plymouth Scholars Charter Academy. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services utilizing various asset-allocation tools, third-party money managers, and supports both discretionary and non-discretionary account management.

Aaron Romain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a member of the Kulhavi Team since 1998 and serves high net worth individuals and their families. Aaron specializes in portfolio management, retirement planning, Executive Stock Option Plans, and 529 planning, offering a personalized approach tailored to each client's financial objectives. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, and the Personal Investment Advisor designation. Aaron graduated from the University of Michigan with a bachelor's degree in psychology. Beyond his professional role, he is a member of the organization Legatus and a founding member of 100 Businesses Who Care. Aaron resides in Plymouth with his wife Carla and their three children. His approach to wealth management emphasizes individualized strategies centered on building strong relationships with clients and their families. He is involved in the New Day Foundation for Families.

Kenneth Szczypka is a financial advisor at Cetera with 25 years of industry experience. He holds Series 65 and Series 66 designations and has worked at Cetera since 2021, following prior roles at VOYA Financial Advisors and M&S Financial. He is also a CPA and co-owner of Myler & Szczypka PC, an accounting and tax firm. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, supporting both discretionary and non-discretionary account management.

John Baxter III is a financial advisor at Merrill with 39 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 1987, including 15 years with Bank of America, N.A. in Bloomfield Hills, MI. 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 and profit-sharing plans, corporations, and charitable organizations.

Andrew Bastian is a financial advisor at OSAIC with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services Inc. and Michigan Securities, Inc. Outside of his advisory role, Bastian is involved in tax preparation through his own firm and teaches classes on estate and tax planning. He is also licensed as a real estate agent, assisting clients with buying and selling homes. OSAIC serves a diverse client base, including individual and high-net-worth investors as well as institutions, offering a range of brokerage, advisory, and financial planning services. The firm employs asset-allocation tools and multiple investment platforms to build customized portfolios, supporting both discretionary and non-discretionary management.

Heather Lindenberg is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes roles at Bank of America, N.A. and Morgan Stanley Smith Barney. 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.

Antonio Kavouriou is a financial advisor at OSAIC with four years of industry experience. He holds the Series 66 designation and has previously worked at firms including Equitable Advisors and J.P. Morgan Securities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services supported by various advisory platforms and utilizes asset-allocation tools and automated rebalancing to manage portfolios across multiple asset classes.

Randa Dagher is a financial advisor with Mass Mutual Investors Services in Southfield, MI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She previously worked at Metlife Securities Inc. for 27 years before joining Mass Mutual Investors Services in 2017. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Frank Reid is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 21 years of industry experience. He has worked at LPL Financial since 2020 and previously spent a decade at First Allied Securities and Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research and model portfolios.

Robert Garbutt is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2005. 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 plans, corporations, and charitable organizations.

Kevin Brennan is a financial advisor at Cetera with 22 years of industry experience. He holds Series 65 and Series 66 registrations and has previously worked at VOYA Financial Advisors and Hollbrook Insurance Agency. Brennan is also the owner of Brennan Services LLC, a financial services business, and serves as Vice Chair of the Hartland Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, 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 both affiliated and unaffiliated third-party managers.

Nicklaus Serafini is a financial advisor with Wells Fargo Advisors in Bloomfield Hills, MI, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Comerica Securities, Ameriprise Financial Services, PNC Investments, and Oppenheimer. Outside of his advisory work, he is involved with Princeton Harriman Insurance Solutions, LLC as a financial advisor. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Michael Mcclintock is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at VOYA Financial Advisors for seven years. Mcclintock is also involved with Nova Retirement and Wealth Solutions, a DBA related to his LPL business 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Cline is a financial advisor at Ameriprise with 50 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has been with Ameriprise and its affiliated entities since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Evan Wessel is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and previously held positions at Bank of America NA, General RV Center, and Detroit Vapor Shop. 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 and profit-sharing plans, corporations, and charitable organizations.

Patrick Duerr Jr. is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Raymond James since 2012. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing various portfolio management styles supported by in-house research and affiliated sub-advisers.

Hio Rumschlag is a CFP® professional with over 42 years of experience in the financial services industry. He has been affiliated with Raymond James Financial Services Advisors, Inc. since 1991 and is also the owner of R2 Financial Planning, LLC. Outside of his advisory role, he has involvement in life insurance sales and is a landlord through Rumschlag Realty, LLC. 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, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by risk profiling and analytical modeling, and maintains specialized offerings such as municipal advisory services and employer SIMPLE IRA consulting programs.

Joi Rushing is a financial advisor at Merrill with 16 years of industry experience. She holds the Series 63 and Series 66 licenses and has previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank, Morgan Stanley, and J.P. Morgan Securities. Outside of her advisory role, she serves as treasurer and chair of the budget committee for Tee Set Golf Club, a social golf organization that hosts tournaments and raises funds for scholarships, and is a board member of Detroit Future City, a nonprofit focused on equitable and sustainable growth in Detroit. 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 plans, corporations, and charitable organizations.

Stephanie Brown is a financial advisor at LPL Financial with 13 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at infinex Investments, Inc. for eight years. Brown has also been employed at Flagstar Bank for 20 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.