Phillip Serra is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Serra Group, a team dedicated to assisting entrepreneurs and families with complex wealth, business, and planning challenges. The group focuses on business advisory and consulting for small and mid-size companies, retirement planning and income strategies, investment management, banking and lending through Bank of America N.A., cash management, life insurance and long-term care planning, trust and estate planning, wealth transfer and charitable giving. The group primarily serves business owners, affluent families, and corporate executives. Phillip has over 33 years of investment experience and works closely with clients' trusted advisors to provide comprehensive financial strategies. His areas of focus include college education planning, corporate executive services, family wealth management strategies, small business strategies, individual and corporate investment strategy, and tax minimization. He is a CERTIFIED FINANCIAL PLANNER (CFP) and holds a Bachelor's Degree in Business Administration with a major in Accounting from Oakland University. Additionally, he has earned the Uniform Certified Public Accountant (CPA) license and holds FINRA Series 7, 63, and 65 registrations. Outside of his professional role, Phillip resides in West Bloomfield, Michigan with his wife Chrissy. He is actively involved in the community, volunteering over 80 hours annually with organizations such as Better Money Habits as a mentor, Big Brothers/Big Sisters mentoring a high school student, and charities including Forgotten Harvest, Salvation Army, and Soup Capuchin. Phillip also has personal interests in baseball, golfing, and traveling.

Victor Doherty is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' full financial pictures to create strategies that adapt to changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to provide personalized wealth management strategies. Victor has spent his entire professional career in the financial services industry, gaining experience through various market cycles. He works with a diverse group of clients including business owners, medical professionals, corporate executives, and retirees. His approach involves guiding clients thoughtfully and collaboratively to help them pursue their financial goals. He holds a Bachelor's Degree from Michigan State University and is a CERTIFIED FINANCIAL PLANNER (CFP).

Gerald Mckeon is a Series 66-credentialed financial advisor with Raymond James & Associates in Troy, MI, with 10 years of industry experience. He has been with Raymond James since 2011. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting through comprehensive analytical tools and a range of firm-sponsored programs.

James Cohen is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also provides institutional consulting and public finance services, combining advisory capabilities with public financing and investment banking.

Jennifer Nuechterlein is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2017. She has been with Fidelity Investments since 2007, progressing through various positions including Senior Relationship Manager, Financial Consultant, Investment Representative, Financial Representative, and Private Client Specialist. Prior to joining Fidelity, she worked as a Personal Banker at J.P. Morgan Chase Bank from 2005 to 2007 and held positions at American General Financial Services from 1998 to 2005. Jennifer's extensive experience spans wealth management, financial consulting, and client relationship management within the financial services industry. Her career reflects a consistent focus on providing clients with comprehensive financial support and navigating investment resources. Information regarding her education, credentials, personal interests, and community involvement has not been provided.

Joe Chapman III is a financial advisor with Primerica Advisors in Detroit, MI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and has worked with Primerica Financial Services since 2001. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight of its investment models.

Elizabeth Deutch is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she owns Sweet Finds Company, LLC, an online resale business that occasionally sells gluten-free and dairy-free baked goods, and serves on the board of directors for Team Happy Feet. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement who meet specific eligibility criteria, combining research and modeling with tax-efficient strategies. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Alvin Semma is a financial advisor at Raymond James & Associates with 11 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Zachary Fairless is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Hinkson Wealth Management and LA Fitness, as well as positions with educational institutions such as Indiana University and the Troy School District. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individual investors, institutions, and government entities. The firm offers specialized programs for small businesses and integrates municipal and public finance services through its affiliated networks.

Adam Jones is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management and financial planning services, utilizing a mix of in-house and third-party investment managers.

Jack Rothenberg is a financial advisor with LPL Financial, holding a Certified Fund Specialist (CFS) designation and over 32 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp since 2003. Rothenberg also engages in the sale of fixed life insurance, disability insurance, long-term care insurance, and fixed annuities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

R. Kramer is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with LPL Financial since 2010. Kramer also runs Bruce Kramer Financial Services, an investment-related business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services with discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Jeremy Jones is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2011. In his role, he focuses on understanding clients' financial needs and goals and helps implement plans to work toward those objectives. He assists high net-worth clients with investment, retirement, and income planning. Jeremy has over two decades of experience in the financial services industry. Prior to his current position, he held roles as Vice President of Retail Banking at The State Bank from 2007 to 2011, Branch Manager at Republic Bank from 2002 to 2007, and Branch Manager at Fifth Third Bank from 1999 to 2002. He is a Certified Financial Planner. Outside of his professional work, Jeremy enjoys family activities, social events with friends, golf, outdoor adventures, skiing, and traveling.

Gaurang Joshi is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Enterprise, he worked at Ameriprise and Bedrock Management Services and spent nine years at General Motors LLC. Outside of advisory work, he is co-owner of a non-franchise motel and a retail business, and he serves as CEO of his own RIA business, Able Strategies, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolios, third-party asset management arrangements, and access to various brokerage and insurance products via an integrated platform.

Maria Dimercurio is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has worked at J.P. Morgan Securities since 2015 and has also been affiliated with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Amanda Allie is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jack Hosmer Jr. is a financial advisor at OSAIC with 17 years of industry experience and holds a Series 66 designation. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 10 years. He is also president of Junior Mills Corp, a CPA and tax preparation firm, and has worked with Robinson, Pietras, Kalisky, PC as a staff accountant since 1993. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and supports a variety of investment vehicles, managing portfolios on both discretionary and non-discretionary bases.

Corey Staub is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2021. He previously worked at Sigma Financial Corporation for 19 years and operates Staub Financial Services, which he founded in 1998. In addition to his advisory work, Staub is a licensed agent for fixed annuities and various insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including model portfolio management and retirement plan consulting, utilizing research from both internal and third-party sources.

Thomas Klamo is a financial advisor at Mass Mutual Investors Services with 23 years of industry experience. He holds the Series 66 designation and has worked at MassMutual Life Insurance Co since 2016 and MetLife Securities Inc. from 2015 to 2017. He has also been affiliated with Wayne State University since 1988. Mass Mutual Investors Services 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, and educational seminars, using firm-approved software and annual collaborative planning engagements.

Darin Mcbride is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2005 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.