Dale Glick is a financial advisor at OSAIC with 49 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining OSAIC in 2018, he worked at Jhfn Sii for seven years. His other business activities include sales and marketing of fixed annuities, non-variable insurance, and securities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a variety of investment platforms and employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios.

Christopher Ruffino is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Bloomfield Hills, Michigan. He has been with Merrill since 1986 and serves as a Vice President in the office, helping clients develop personalized financial strategies to pursue their long-term goals. His approach centers on understanding his clients' passions and objectives to create flexible wealth management plans that adapt to changing market conditions. With 35 years of experience, Christopher offers expertise in portfolio management, asset allocation, retirement planning, tax efficiency, estate and wealth transfer strategies, and college education planning. He works with clients across the United States and internationally, focusing on areas such as executive compensation, family wealth management, liquidity management, philanthropic planning, and tax minimization. Christopher and his team are committed to providing exceptional service through dedication and hard work. Christopher holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University and maintains ongoing education within the financial services industry. He holds the professional designation of Personal Investment Advisor (PIA) and is active in the Bloomfield Hills-Birmingham community. Outside of work, he enjoys basketball, fishing, football, gardening, golfing, music, spending time with family, traveling, and woodworking.

Krystal Burns is a Series 66-licensed financial advisor with 15 years of industry experience. She is associated with Merrill and has held roles at Bank of America, N.A. since 2015 and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. Merrill, along 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Spencer Schmale is a financial advisor at Osaic Wealth Inc. with 11 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors for nine years. Schmale is also the owner of Spencer Schmale Financial, LLC. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage a wide range of investment portfolios.

Sierra Ford is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Sierra worked at Bank of America and JP Morgan Chase. Outside of professional activities, Sierra serves as assistant treasurer and a finance committee member for the Seventh-Day Adventist Church in Ypsilanti, Michigan. 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.

Derek Ross is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at LPL Financial since 2022 and previously spent over 17 years with Cambridge Investment Research Advisors. Outside of finance, he serves as a part-time shipping director for Fluff & Tuff. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of advisors with model portfolios, third-party asset management, and institutional platforms, managing over $819 billion in discretionary assets.

William Douglas is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 65 and Series 63 credentials and has worked with various Fidelity entities, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles to multiple registered investment companies and fund-of-funds.

Ronald Breaugh is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leverages his diverse professional background, which includes experience as a CPA and CFO, to provide clients with comprehensive wealth management strategies tailored to their unique financial goals. Ronald emphasizes a personalized approach, working one-on-one with clients to develop flexible strategies that address changing market conditions and help them pursue long-term success. His expertise covers a wide range of client focus areas such as college education planning, divorce transition planning, retirement income, tax minimization, and small business strategies. Ronald holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Master’s Degree from Walsh College and a Bachelor’s Degree from Albion College. Ronald is committed to community involvement, reflecting the Merrill tradition of service, and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys a variety of personal interests including baseball, basketball, biking, football, golfing, running, skiing, and swimming.

David Buring is a Wealth Management Senior Relationship Manager at Fidelity Investments, a role he has held since 2025. In this capacity, he partners with his team to provide service and guidance on various financial and family needs, focusing on educating clients about the full range of Fidelity's offerings. David has accumulated significant experience in the financial sector, beginning as a Loan Officer at New Century Mortgage from 2004 to 2006. He then served as a Bank Manager at Fifth Third Bank between 2006 and 2007, followed by a long tenure as a Planning Consultant with Fidelity Investments from 2007 to 2025. Outside of his professional work, David's personal interests include cooking and baking, football, gardening, movies, and running.

Mark Yount is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2009. 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 plans, corporations, and charitable organizations.

Scott Rosenblum is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 65 and Series 63 credentials and 17 years of industry experience. He has been with Bank of America and Merrill since 2014. Merrill, along 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.

Ryan Herriman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides financial guidance to affluent individuals and corporations, focusing on helping clients achieve their financial objectives with a disciplined and transparent approach. His services cover a range of areas including college education planning, corporate benefits, executive compensation, family wealth management strategies, institutional consulting, legacy planning, investment strategy, tax minimization, and retirement income. Ryan holds a Bachelor's Degree from the University of Michigan and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He employs a tailored approach to support clients' current lifestyles, retirement income needs, and legacy goals, aiming to ensure clients feel comfortable throughout the process. Outside of his professional work, Ryan enjoys boating, golfing, and tennis. He is involved in the community through his participation on The Salvation Army Echelon Board.

Timothy Curry is a financial advisor with Merrill, holding a Series 66 license and seven years of industry experience. He has been with both Merrill and Bank of America since 2010. Outside of his advisory role, he works as an independent delivery driver for Shipt, Inc. and DoorDash Inc. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Carly Pickel is a Wealth Management Advisor at Merrill Lynch Wealth Management and a key member of the Sanfield Wealth Management Team based in Farmington Hills, Michigan. The team, established in 2015, combines decades of experience to provide tailored financial strategies focused on clients' primary goals and priorities. Their approach incorporates aspects such as social responsibility, sustainable, and values-based investing, including Environmental, Social, and Governance (ESG) considerations. With over a decade of personal experience complemented by the team's collective expertise, Carly specializes in helping high-achieving individuals, families, and business owners navigate complex financial decisions. Her areas of focus include college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, and retirement income. She emphasizes education and clarity to empower clients in making informed decisions. Carly holds a Bachelor's Degree in Economics, Psychology, and Sociology with a minor in French from the University of Michigan. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, Carly enjoys cooking, reading, traveling, and engages with her community through volunteering and fundraising activities, particularly with the ORT Michigan Region.

Chase Clark is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial, BRSi Retirement Solutions, and Bank of America. His background also includes roles in education at Northwood University and Grand Blanc High School. 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.

Brynne Banks is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has previously worked at PNC Bank. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Michael Dempsey is a CFP® professional with 16 years of industry experience, currently with Raymond James & Associates since 2024. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2011 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs.

Renee Roberts is a financial advisor with Ameriprise in Pontiac, MI, holding a Series 63 designation and 39 years of industry experience. She has been with Ameriprise and its affiliated entities since 1989. Outside of her advisory role, she owns a tax preparation business called The Tax Lady and serves on the Board of Directors for the Rotary Club of West Bloomfield. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports, with a focus on assets managed within Ameriprise accounts.

Jennifer Coryell is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has worked with Merrill since 2015. 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 supported by internal and third-party managers for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Aimee O'Donnell is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2015, including a role at Morgan Stanley Private Bank, N.A. from 2016 to 2018. Outside of her advisory work, she is a manager and member of 89 W. Madge LLC, involved in property management in Royal Oak, Michigan. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools, focusing on advisory services without providing individual security recommendations.