Anthony Caruana is a financial advisor with Ameriprise in Northville, MI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wunderlich Securities, Inc. Ameriprise provides a retirement-income planning service aimed at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Richard Powell is a financial advisor at Ameriprise with 55 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. Powell serves on the Board of Directors for the Ted Lindsay Foundation. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Patricia Kresmery is a financial advisor at Merrill with 37 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2012. Outside of her advisory role, she is a managing member of EJS Closet LLC, a business that sells estate jewelry online. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and corporate fiduciaries.

Tonya Hutchison is a CFP® professional with 16 years of industry experience, currently affiliated with Wells Fargo Clearing. Her prior experience includes roles at J.P. Morgan Securities, Morgan Stanley, TD Ameritrade, and Huntington Bank. Outside of her advisory work, she has been involved in real estate through ownership and partnership in multiple real estate entities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Gregory Hinkson is a CFP® with 34 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 20 years at Commonwealth Financial Network. Outside of his advisory role, he manages an office building through a separate real estate business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through risk profiling and firm research.

Rebecca Phalen is a financial advisor with Charles Schwab in Troy, MI, holding Series 63 and Series 66 licenses and 34 years of industry experience. She has worked at Charles Schwab since 1992, including Charles Schwab Bank since 2005, and had a brief tenure at TD Ameritrade Inc. from 2023 to 2024. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by ongoing research and alternative investment options.

Mitchell Benson is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Troy, MI since 2020. He previously worked within Ameriprise Financial Services, Inc. for 11 years. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a wide range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Stephen Zink is a financial advisor with Raymond James Financial in Birmingham, MI, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He previously worked at J.J.B. Hilliard, W.L. Lyons, LLC for seven years before joining Raymond James in 2019. Outside of his primary role, he is an associate at Birmingham Wealth Partners, where he works as a wealth advisor. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension plans, and government entities. The firm offers tailored, non-discretionary advisory services and institutional consulting solutions, with specific programs for small businesses and a connection to municipal and public finance through its affiliate network.

Carleton Crimmins is a financial advisor with UBS Financial Services in Bingham Farms, MI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Brian Solomon is a financial advisor at Ameriprise with 15 years of industry experience. He previously worked at Wells Fargo Bank and Wells Fargo Clearing Services for eight years each, followed by eight years at JPM Chase. He also holds Series 63 and Series 66 licenses and is employed by Comerica Bank as a private banker referring business. 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 ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Lucia Kaddouh is a financial advisor at RBC Capital Markets with four years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2020, previously working at RBC Wealth Management from 2001 to 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs that combine discretionary and non-discretionary portfolio management with financial planning and brokerage services, tailoring strategies to clients’ individual risk profiles.

Spencer Godin is a financial advisor with Raymond James & Associates in Farmington Hills, MI. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at The Aspire Group LLC and Shoot Out Hockey Inc. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a broad client base including individuals, pension plans, corporations, and government entities, delivering wealth advisory and investment consulting primarily on a non-discretionary basis.

Michael Welch is a financial advisor with Robert Baird & Co. in Birmingham, MI, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked with Robert Baird & Co. since 1997 and with Ohio Co. since 1985. Outside of his advisory role, he is a part owner of Gearhead Garage. He is part of The DDK Group at Robert W. Baird & Co., which serves individuals, families, pensions, corporations, and institutional clients through tailored financial planning and portfolio management. The group offers a range of services including discretionary and non-discretionary management, separately managed accounts, and strategies spanning traditional and non-traditional asset classes.

David Hester is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he is a notary public and holds an ownership interest in a storage business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a distinctive inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Kenneth Osler is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked at Ameriprise since 2018, following prior experience at Wunderlich Securities, Inc. from 2015 to 2018. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Jack Mooradian Jr. is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery processes and planning tools to support client outcomes.

Julie Emery is a financial advisor with J.P. Morgan Securities in Novi, Michigan, holding Series 66 and Series 63 licenses and bringing 15 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of her advisory role, she has been involved with the St. Vincent de Paul - St. Kenneth Conference from 2022 to 2025. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Michael Yaekle is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he worked at Comcast and Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its roles in commodity pool operations, advisory services to registered investment companies, and the application of algorithmic methods and AI in portfolio management.

Julia Rahman is a financial advisor at Ameriprise with two years of industry experience. She holds a Series 66 designation and has previously worked at Merrill Lynch Wealth Management and Ulta Beauty. Rahman has also been involved with the Michigan State University Multicultural Business Program. 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 retirement-income planning advice through a written Recommendation Report and ongoing support, focusing on dependable income sources and tax-aware withdrawal strategies.

Samson Maxbauer is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and 11 years of industry experience. He previously worked at Raymond James Financial Services Advisors Inc. and Raymond James Financial Services, Inc. Maxbauer is involved in a non-investment business entity, S.A.M. Advisory LLC. LPL Financial serves a diverse client base including individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.