Monica William is a Series 66-credentialed financial advisor with Thrivent Investment Management, based in Plymouth, MI, and has three years of industry experience. She has worked exclusively with Thrivent and its affiliates since 2023. Outside of her financial advisory role, Monica serves as a pastor of congregational care and a United Methodist Elder, and she provides chaplain services to the West Bloomfield Police Department. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm’s approach includes holistic, goal-based analyses addressing a range of financial planning topics, with ongoing reviews and an option to combine planning with managed accounts under a consolidated billing structure.

Ashley Kremhelmer is a CFP® professional with 17 years of experience in the financial services industry. She is currently with Edelman Financial Engines and has prior experience at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services, and supports a large client base through both advisor-led and online platforms.

John Rohrbeck is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Cetera. He has been affiliated with Cetera and its related entities since 2013. In addition to his advisory role, he is the president of Tax & Financial Strategies, LLC, which provides individual tax return preparation and tax planning services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with a multi-manager platform that allows advisors to utilize affiliated and third-party managers across various program structures.

Kamleshkumar Shah is a financial advisor at Edward Jones in Canton, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones and Thrivent Financial, he worked for 15 years at DXC Technology Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated services, operating under a fiduciary standard across a nationwide network of advisors and branch offices.

Bruce Townsend is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 34 years of industry experience. His prior work includes roles at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. Townsend also serves as successor trustee for the Ralph and Phyllis Townsend Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

John Garry is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2020. His prior experience includes roles at Summit Insurance, LaFontaine and Sons Landscaping, and Central Michigan University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides tailored, non-discretionary recommendations focused on dependable income and tax-aware withdrawal strategies.

Pete Sebastian is a Financial Advisor with Merrill Lynch Wealth Management, serving as a Merrill Financial Solutions Advisor. In this role, he collaborates with individuals and families to develop personalized investment strategies aimed at preserving and growing their wealth. He focuses on areas including family wealth management strategies, managing new wealth, and personal retirement planning. Sebastian holds a Bachelor's Degree from Purdue University and has earned the Personal Investment Advisor (PIA) designation. He works closely with clients to understand their financial goals and provides guidance on investing, retirement planning, and preparing for unexpected financial needs. He also coordinates with Bank of America specialists to offer comprehensive solutions encompassing banking, credit, home financing, and small business services. Outside of his professional responsibilities, Sebastian is involved with American Corporate Partners. His personal interests include baseball, football, traveling, and watching movies.

Elizabeth Williams is a financial advisor with J.P. Morgan Securities in Livonia, MI, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. Her career includes roles at J.P. Morgan Securities, Jpmorgan Chase Bank, Citizens Securities, Executive Wealth Management, Invest Financial Corporation, and Chase Investment Services. She is also involved as an owner and partner in Overflow Plumbing LLC, where she assists with banking and bookkeeping. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a range of derivatives and commodities capabilities.

Lindsy Partridge is a Financial Advisor with Merrill Lynch Wealth Management, where she collaborates with the Salvia Clancy team. She joined Merrill in 2024, bringing over 15 years of experience in financial services. Lindsy began her career in 2007 at JP Morgan Chase in Chicago, advancing to the role of Private Client Advisor and earning recognition as a National Achiever for her client service and financial guidance. Her expertise encompasses college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income strategies. Lindsy holds a Bachelor of Arts degree from Kenyon College and maintains Series 7 and 66 FINRA registrations. She is also a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), and she is fluent in Spanish. Lindsy lives in Troy, Michigan with her husband and two children. Outside of her professional endeavors, she enjoys cooking, reading, running, traveling, and spending time with her family. She and her family have traveled to over 30 countries.

Reid Beyerlein is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Raymond James Financial and its related entities since 2007. Outside of his advisory role, he owns and operates two businesses: Bline Investments and Ties Like Me, a networking organization. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored non-discretionary planning and supports advisory programs with a focus on risk profiling and outcome modeling.

Steve Chang is a CFP® with 23 years of industry experience and has been with Edward Jones since 2002. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a member of Chang Company Limited LLC, a commercial rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Jason Loiselle is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Before joining LPL Financial in 2019, he spent nine years at H. Beck, Inc. He is also involved in tax preparation and accounting through Nornarf, Inc. doing business as Loiselle & Associates, and serves on the board of the Loiselle Foundation, a nonprofit organization. Additionally, he is active as a musician with Saoco. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management options and supports advisors with research and operational tools while managing over $819 billion in discretionary assets across more than 22,800 advisors.

Misty Doucet is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she is employed part-time as a bakery and deli clerk. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary research and third-party subadvisors.

Alicia Barnhart is Vice President and Executive Planning Consultant at Fidelity Investments. In this role, she partners with corporate executives to help them utilize their company benefits, gain a clear understanding of their equity compensation, and efficiently integrate those elements into their larger family wealth plans. She has been with Fidelity Investments since 2005, holding various positions including Vice President, Wealth Planner; Vice President, Financial Consultant; Financial Consultant; Investment Representative; and Financial Representative. Prior to joining Fidelity, Alicia worked as a Financial Planner at ABN AMRO Financial Services from 2002 to 2004. Alicia holds insurance licenses in Arkansas and California.

Matthew Palmer II is a financial advisor with Merrill in Dearborn, MI, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

Joseph Colletti is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2016 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and proprietary market simulations.

Todd Sander is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He has worked at LPL Financial since 2020 and previously spent six years with Voya Financial Advisors. Outside of his advisory role, he has been involved with Northville Public Schools since 2002 and Baldwin Capital Management, Inc. since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various financial planning and asset management solutions through a large network of investment adviser representatives.

Nicola Delicata is a financial advisor with Mass Mutual Investors Services in Detroit, MI, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining Mass Mutual, Delicata worked at Metlife Securities, Inc. for 16 years. Outside of advisory work, Delicata owns a commercial building that generates rental income. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a range of programs including wrap accounts, money-manager programs, and educational seminars.

David Edwards is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He works closely with clients to develop financial plans aimed at enhancing their financial lives and providing clarity and confidence regarding their investments and future financial goals. He has extensive experience in the financial services industry, having served in various advisory roles since 2010. Prior to his current position, David was a Senior Financial Consultant at TD Ameritrade from 2014 to 2020, and he held financial advisor positions at Merrill Lynch and Morgan Stanley between 2010 and 2014. Further details regarding his education, credentials, personal interests, or community involvement are not provided.

Evan Kaczka is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at J.P. Morgan Retirement Plan Services LLC and Gwfs Equities, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a mix of non-discretionary and discretionary investment guidance, supported by multi-asset model portfolios and a formal alternative investment process.