Louis Perraut is a CFP® professional with eight years of industry experience, currently affiliated with OSAIC since 2018. His prior work includes roles at Signator Investors Inc, Beaumont Health, and Wayne State University. Perraut is also involved with Michigan Financial Companies and Fathom Financial Partners in capacities related to securities sales and investment advisory services. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, through a broad network of financial advisers and advisory platforms. The firm integrates brokerage and investment advisory services with tools such as asset allocation models and automated rebalancing to offer customized portfolio management and third-party managed-account solutions.

Eric Ratliff is a CFP® professional with over 21 years of experience in the financial industry. He has worked at LPL Financial since 2022 and previously spent nine years with J.P. Morgan Securities. Ratliff is based in Troy, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Racheal Hardy is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan in various capacities since 2011. Before joining the financial industry, she worked at Jamberry Nails for one year. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Beena Kinariwala is a financial advisor at Equitable Advisors with 34 years of industry experience. She has held her current role since 1999, previously associated with AXA Advisors, LLC during overlapping years. Kinariwala also operates BK Financial Services as a sole proprietor, conducting insurance activities outside of the Equitable network. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, employing a hybrid referral and implementation model that integrates advisory and brokerage channels.

William Knudsen is a financial advisor with LPL Financial in Southfield, MI, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2015 and operates William Knudsen Financial as a separate entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement services supported by research, model portfolios, and technology-driven risk management.

Jon Vander Laan is a Financial Consultant currently working at Fidelity Investments since 2026. He has held various roles within Fidelity Investments including Financial Consultant, Investment Consultant, and Financial Representative since 2022. Prior to his current role, he worked as a Private Wealth Advisor at Stonebrook Private from 2024 to 2026. Jon focuses on providing a personalized and holistic approach to financial planning. He takes time to understand each client's unique situation, analyzing and stress testing their financial status to identify opportunities and risks. He collaborates with clients to develop strategies aligned with their financial goals, adjusting plans as life circumstances and market conditions change. Outside of his professional career, Jon enjoys family activities, football, golf, outdoor adventures, traveling, and volunteering.

Erik Kent is a financial advisor at Ameriprise in Troy, MI, with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Morgan Stanley, Citizens Securities, Inc., and Scottrade. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Alvin Hill III is a financial advisor with Edward Jones in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has been with Edward Jones since 2018 and previously worked at Comcast Corporation from 2015 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of about 23,700 financial advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Kathryn Halonen is a CFP® professional with 28 years of experience at UBS Financial Services in Birmingham, MI. She has been with UBS since 1998. Outside of her advisory role, she serves as Treasurer for the East Hills Middle School PTO, managing budgeting and financial responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including wealth management and capital markets services. The firm combines institutional trading capabilities with comprehensive financial planning and portfolio management tailored to client goals and risk tolerances.

Brian Sites is a CFP® professional with 20 years of experience in the financial advisory industry. He is currently with Edelman Financial Engines and has previously worked at Fidelity Personal and Workplace Advisors and Financial Engines Advisors L.L.C. Edelman Financial Engines provides technology-enabled investment advisory services primarily for 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.

Dylan Mc Evilly is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Wells Fargo Clearing and Aerotek, as well as a five-year period at the University of Michigan - Dearborn. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management, serving a diverse client base that includes individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting primarily on a non-discretionary basis, with notable capabilities in municipal and public finance.

Leila Aleyaseen is a financial advisor with Morgan Stanley in Troy, MI, holding a Series 66 designation and 21 years of industry experience. She previously worked at UBS Financial Services for five years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured discovery conversations and firm-approved planning tools in its financial planning process.

Cathleen Odish is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding a Series 66 designation and bringing 16 years of industry experience. She previously worked at Cambridge Investment Research Advisors and National Planning Corporation. She also presents seminars through White Glove Workshops. LPL Financial is a national 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 supported by in-house and third-party research and includes a variety of investment strategies and technology-driven solutions.

Alexander Potter is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and was previously employed at MML Investors Services and MassMutual. Outside of his advisory role, he is involved in retail sales and owns entities including Potter Financial, LLC and Foundation Wealth Management, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using a variety of portfolio management strategies and platform options.

John Bussa is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 65 and Series 66 credentials and previously worked for Lincoln Financial Advisors for 24 years. Outside of his advisory role, he operates a consulting business through BFP Media, LLC. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management.

Sherrie Ingham is a financial advisor with Ameriprise in Troy, MI, holding the ChFC® designation and Series 63 and 65 licenses. She has 25 years of industry experience, including roles at Concorde Asset Management and L.M. Kohn & Company. Outside of her advisory work, she is involved in business ownership and serves as COO of TLC Management. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Shelley Graunke is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 credentials and 25 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides services through structured planning processes supported by firm-approved tools.

Charles Dennis is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds the Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Phillip Rosiek is a Financial Consultant currently working at Fidelity Investments. He has been in this role since 2019 and has previously held positions as an Investment Consultant at Fidelity Investments from 2014 to 2019, and as a Financial Consultant II at PNC Bank from 2006 to 2014. With over 15 years of experience, Phillip has served as a trusted advisor to many multi-generational families. He approaches financial planning as a partnership, co-creating wealth plans tailored to provide a roadmap towards financial peace of mind. His commitment to clients includes evolving relationships that adapt as clients and their families experience life changes. Outside of his professional work, Phillip has personal interests in biking, reading, and soccer.

Steven Briggs is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. He brings over 40 years of experience dedicated to serving the financial needs of his clients. Steven leads The Briggs Group, providing services that focus on the financial well-being of clients and their families. His approach emphasizes a comprehensive perspective on investment advisory, cash management, and life cycle planning services, tailored to families who have accumulated financial assets and seek to grow and maintain them. The group also offers access to specialized banking and lending solutions through collaboration with a Wealth Management Lending Officer. Throughout his career, Steven has built longstanding client relationships that often span generations. His clientele primarily includes business executives, owners, and professionals who appreciate his insights and leadership. Steven holds multiple professional certifications, including the CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA®), and Chartered Retirement Planning Counselor™ (CRPC). In addition, he has served as an industry arbitrator for the Financial Industry Regulatory Authority (FINRA). Steven earned his Bachelor's Degree from Vanderbilt University and is a graduate of Culver Military Academy. He is affiliated with the Sigma Nu Fraternity and contributes to the community through involvement with the Furniture Bank of Southeastern Michigan. Steven resides in Orchard Lake, Michigan, and has two grown children.