Kristen Dunn is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2001. Outside of advisory work, she owns Kristen Dunn and Associates, LLC, which operates for Primerica business purposes and involves sales of non-investment home-related products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers for its investment models.

Mary Lou Zangerle is a financial advisor at Merrill with Series 63 and Series 65 licenses and 53 years of industry experience. She has worked at Merrill since 1978 and has been associated with Bank of America since 2009. Outside of her advisory work, she is involved with the Detroit Bird Alliance, a nonprofit focused on bird conservation and environmental appreciation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Dorina Ziba is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served in various capacities at Fidelity Investments, including Planning Consultant from 2023 to 2025, Investment Consultant from 2021 to 2022, and Financial Representative from 2020 to 2021. Before joining Fidelity, she worked as a Private Banker at Credit Union One from 2019 to 2020. In her work, Dorina focuses on understanding her clients' top priorities, preferences, and values to present options that align with their unique financial goals. She aims to ensure that each client gains clarity and confidence in their overall financial plan. Outside of her professional life, Dorina enjoys spending time at the beach, cooking and baking, engaging in fitness activities, and traveling.

Timothy Kopchick is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Cetera, he worked at Avantax Advisory Services and Avantax Insurance Agency. He is also the owner and sole proprietor of KCO Financial Services, which provides tax planning and preparation, and serves as president of Kopchick & Company, P.C., a CPA firm with a focus on small business accounting and tax. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform with discretionary and non-discretionary options.

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 financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Raymond James since 2011. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutional and pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and model manager options.

James Cohen is a financial advisor with Raymond James & Associates in Birmingham, MI, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Merrill and Bank of America. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various programs, supported by extensive research and multiple portfolio management styles.

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.

Ryven Ezinga is a financial advisor at Equitable Advisors in Troy, MI, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining Equitable Advisors, he attended Michigan State University and worked at College Hunks Moving Company and EzCor Construction & Renovation. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model with the SEC and broker-dealer oversight.

Alvin Semma is a financial advisor with Raymond James & Associates in Troy, MI, holding a Series 66 designation and 12 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting services through several specialized programs.

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. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Michael Galati is a financial advisor with Ameriprise in Troy, MI, holding a Series 65 designation and has one year of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, and Michigan Financial Companies. Outside the financial industry, he was involved with Rev'd Up Fun from 2018 to 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with written recommendations and annual updates. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools within a defined investment universe supporting non-discretionary implementation by clients or advisors.

Jacob Baker is a Series 66 credentialed advisor with eight years of experience at Thrivent Investment Management. He previously worked at Cru for two years and currently serves as treasurer for the Rosedale Baseball League, a local little league organization. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors, focusing on holistic, goal-based analyses across a broad range of planning topics without including implementation. The firm offers planning combined with managed-account programs under a consolidated billing option and does not accept discretionary trading authority for its Dedicated Planning Service.

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.

Robert Burns is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and has a longstanding role as an independent insurance agent. 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 advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions including proprietary models and third-party strategies, delivered via multiple custody platforms with both discretionary and non-discretionary options.

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.

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.