Kevin Cleary Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior experience includes roles at Grove Point Investments LLC, H. Beck, Inc., and Professional Tax Service. He is also involved in tax preparation and accounting through Professional Tax Solutions LLC and West Bay Tax Advisors, and he owns a small business called Kevin's Custom Shop. 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 and financial planning services, providing both discretionary and non-discretionary management supported by model portfolios and research from internal and third-party sources.

Jeffrey Williams is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He specializes in assisting retirees and small business owners with their financial goals, focusing on areas such as divorce transition planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. Jeff holds a Bachelor's degree in Finance from Michigan State University and a Master's degree from the University of Detroit Mercy. He has been registered in the financial services industry since 1986 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional duties, Jeff is actively involved in his community through participation in the Greater Flint Sunrise Rotary and coaching youth baseball, basketball, and flag football with the Lake Orion Dragons. He lives in Lake Orion, Michigan with his wife Christine and has interests in baseball, basketball, fishing, football, and traveling.

Chase Clark is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked at Bank of America, Merrill, LPL Financial, and other financial institutions since 2020. 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.

William Protasiewicz Jr. is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 registrations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Prior to his finance career, he was employed at Tractor Supply Co. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

Kourtney Fuller is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this position, she collaborates with clients to understand their financial goals, priorities, and risk tolerance, providing comprehensive financial planning analyses and personalized guidance to support informed decision-making. Her professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2023 to 2025, followed by Investment Consultant from 2025 to 2026, before assuming her current role. This progression reflects her developing expertise in financial planning and investment consulting. Outside of her professional work, Kourtney has interests in activities such as going to the beach, attending concerts, gardening, caring for pets, playing softball, and traveling.

David Stewart is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James & Associates since 1999. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional advisory services.

Thomas Hankins Sr. is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018, following a nine-year tenure at Ameriprise Financial Services. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Kellie Palm is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with a concurrent tenure at JPMorgan Chase Bank, N.A. dating back to 1995. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis with clients retaining final decision authority.

Shaun Perakovic is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joseph Hamo is a financial advisor with Wells Fargo Clearing in Grand Blanc, MI, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2010 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee for his father's trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Karen Strader is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018, following prior roles at Thrivent Financial and the Advanced Physical Therapy Center. Outside of her advisory role, she serves as president of a local Business Networking International group in Oxford, MI. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ryan Faris is a financial advisor with Ameriprise, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise since 2019 and previously spent a decade at Bank of America and Merrill. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized service that supports advisors in delivering tailored retirement plans.

Gary Denis is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Stifel Nicolaus & Co Inc since 2020, following an 11-year tenure at Ameriprise Financial Services, Inc. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation guidance.

Denise Palmer is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has been with Raymond James since 2014. Outside of her advisory role, she serves as a guardian and conservator for a family member, managing personal and financial affairs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a broad network of advisers and affiliated research resources.

Tara Griggs is a financial advisor at Merrill with 11 years of industry experience and holds Series 65 and Series 63 licenses. She has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Clark II is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior work includes roles at Cetera and The State Bank. Clark is also involved with ChoiceOne Bank through a dual bank program as a financial advisor. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, delivering tailored, research-based recommendations supported by a centralized consulting team and algorithmic tools. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Jason Raymond is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2021. In his role, he focuses on creating financial plans that provide confidence at every stage of life, addressing areas such as retirement and investment strategies while helping clients navigate unexpected life events. Jason emphasizes simplicity, transparency, and empowerment in financial planning to help clients focus on achieving their envisioned lifestyles. Outside of his professional work, Jason enjoys activities such as camping, attending concerts, fishing, appreciating music, caring for pets, and traveling.

Melissa Terhorst is a financial advisor at Raymond James Financial Services Advisors, Inc. with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Raymond James since 2005. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports clients through advisory programs and partnerships.

Brian Reiber is a financial advisor at Ameriprise with 10 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2023. Outside of his advisory role, he manages a farm property that generates income from crop rentals. Ameriprise serves clients approaching or in retirement, offering a retirement-income planning service that includes written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice, focusing on clients with significant investable assets and emphasizing the use of Ameriprise-managed accounts.

Joseph Ragnone is a Financial Advisor with Merrill Lynch Wealth Management and a member of the NMY Ragnone Group. He works with individuals and families to create personalized financial strategies tailored to support their long-term goals. His expertise includes investment management, retirement planning, estate planning strategies, and family wealth strategies. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Joseph completed his high school education at Lake Fenton High School and attended Mott Community College without obtaining a degree. Joseph's approach focuses on understanding what matters most to clients and their families to develop strategies that pursue their financial objectives. He emphasizes relationship-driven guidance to help clients build financial confidence and create lasting legacies.