Jennifer Bessen is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 22 years of industry experience. She previously worked at Hantz Financial for 13 years before joining Ameriprise Financial Services in 2017. Outside of advisory work, she serves on the Board of Directors of the University of Detroit Moms Club and is involved in tax planning and business expense tracking activities. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income stability and tax-aware withdrawal strategies.

Daniel Sherry is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has previously worked at Ford Motor Company and Wipro Limited. Outside of his advisory role, he serves on the Board of Directors and Finance Committee for Tipping Point Theatre. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Heather Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2018 as the Business Manager after spending four years as the Client Relationship Manager. Heather has dedicated the past 16 years to the financial industry. Her expertise lies in personalized wealth management and comprehensive financial planning strategies. She works closely with individuals, families, and business owners to develop customized solutions that address investments, retirement planning, tax considerations, and legacy goals. Heather holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Heather completed her high school education at Caro High School. Outside of work, she lives in Royal Oak with her daughter Haley, son RJ, and dog Maddie. She is involved with the Alzheimer's Association, Detroit Dog Rescue, and St Jude's.

Michael Russom is a financial advisor with Fidelity, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fidelity Brokerage Services LLC, Bank of America, and TCF Bank. Outside of his advisory work, he acts as a real estate agent and independent contractor for grocery delivery services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Ronald Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2011 after earning a Bachelor's degree in Accounting/Management from the Purdue University Krannert School of Management. Ron holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In his role, Ron manages the Covered Call, Investing for Growth, and Investing for Income equity strategies. He also contributes to implementing the high-yield and international equity strategies and handles Initial Public Offerings for the team.

Mark Schneider is a financial advisor with LPL Financial in Northville, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Wells Fargo Advisors. 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, utilizing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Alicia Crafts is a Financial Consultant at Fidelity Investments, where she works closely with clients and their families to develop customized financial plans tailored to their goals and preferences. She emphasizes collaboration and a holistic approach to financial planning aimed at providing flexibility and peace of mind. Alicia has been with Fidelity Investments since 2020, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she held various positions at TCF Bank from 2016 to 2020, including Assistant Branch Manager and Branch Supervisor. She began her banking career as a Branch Teller at both CCF Bank and TCF Bank. Outside of her professional work, Alicia enjoys bowling, family activities, parenthood, and reading.

Christopher Walker is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. He partners closely with clients to develop financial plans tailored to their individual goals and circumstances, utilizing Fidelity's technology and platform to simplify complex financial planning. Christopher's professional experience spans over a decade and a half in the financial services industry. Prior to joining Fidelity, he served as Vice President, Financial Advisor at Huntington Financial Advisors from 2013 to 2024. Earlier in his career, from 2007 to 2013, he was a Licensed Insurance Sales Representative with State Farm Insurance. Outside of his professional work, Christopher has personal interests that include cars, family activities, and golf.

John Macdonell is a financial advisor with J.P. Morgan Securities in Brighton, MI, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at William Street, LLC. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

John Dulude is a financial advisor at LPL Financial with 14 years of industry experience. He previously worked for Crown Capital Securities, LP for 13 years before joining LPL Financial in 2024. Outside of advising, he is involved in tax preparation and accounting, and holds a role providing non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brian Repovz is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. He has worked at Cetera and its related entities since 2019 and previously at Summit Financial Group and Summit Brokerage Services. Outside of his advisory role, he is also involved in selling fixed insurance products, including life, health, and disability insurance. Cetera Investment Advisers LLC serves a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that supports various investment strategies and program structures.

Michele Dimovski is a Series 66-licensed financial advisor with UBS Financial Services in Plymouth, MI, where she has worked since 2007, totaling 17 years of industry experience. Outside of her advisory role, she has engaged in food delivery as a side job. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.

Nicholas Conner is a financial advisor with Raymond James & Associates in Novi, MI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior work includes long tenures at Merrill and Bank of America. Outside of advising, he owns Meadowbrook Holdings LLC, through which he holds a private aircraft. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers comprehensive financial planning and consulting, utilizing a variety of portfolio management styles supported by in-house research and affiliated sub-advisers.

Jonathan Harris is a financial advisor with LPL Financial, holding a Series 66 license and bringing 14 years of industry experience. His previous roles include positions at Woodbury Financial Services, Questar Asset Management, and Clear Strategy Financial. In addition to his advisory work, he is involved in several business ventures, including ownership in multiple real estate entities and a retirement services firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and model portfolios from internal and third-party sources.

Gerald Fenby is a financial advisor at Cambridge Investment Research Advisors with 57 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to his current role, he has been involved with Fenby-Stein Inc. since 1982 and also leads the Jerry Fenby Band, an entertainment group active since 1963. In addition to his advisory work, he owns Fenby Stein Entertainment, a business focused on booking entertainment and musicians. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a large network of independent financial professionals. The firm offers a range of investment solutions across multiple platforms, combining proprietary and third-party strategies tailored to client objectives.

Cheri Watson is a Planning Consultant at Fidelity Investments, where she assists clients in navigating the company's resources through guidance, education, and planning support aligned with their financial goals. She focuses on delivering clear information to help clients understand their options. Cheri has been with Fidelity Investments since 2021, previously serving as a Central Relationship Manager from 2021 to 2024 and as a Relationship Manager from 2024 to 2026 before assuming her current role. She holds an Arkansas Insurance License.

Hugh Blake Thomas is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Citizens Securities, Inc. since 2021 and previously held a position at Tiaa from 2016 to 2020, with a sabbatical in between. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources.

Derek Du Bois is a Series 66-licensed financial advisor with Raymond James Financial, based in Northville, MI, and has four years of industry experience. His prior work includes roles at Raymond James Financial Services, Inc. and Smith and Associates (Ameriprise Financial). He has been involved as an advisor in training with Center Street Wealth Strategies. 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 offers customized, non-discretionary planning and consulting supported by risk profiling and analytical tools, and maintains unique municipal advisory capabilities and specialized programs for employer retirement plans.

Ryan Slater is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 8 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2017 and previously worked at Siemens Healthcare from 2006 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools.

Jay Boger is a Series 66 licensed financial advisor with LPL Financial, based in Farmington Hills, MI, and has six years of industry experience. His background includes roles in youth sport coaching and fitness training through JB SportsWorks, LLC, as well as legal practice with JB Law, PLC. He currently coaches youth soccer with Michigan Jaguars FC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary portfolio management supported by internal and third-party research.