Melissa Burt is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Burt also had a role at Betty James Pretty Things in 2024. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Mark Smith is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and RLM Financial Services, Inc. Outside of his advisory role, he is involved with RLM Financial Services in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Dante Cioni is a financial advisor at Ameriprise with 24 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2001. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Amanda Teremi is a financial advisor at Raymond James Financial with a Series 66 designation and two years of industry experience. She has also worked with Ballard Wealth Group and has prior experience in banking and retail. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using risk profiling and analytical tools tailored to client goals.

Thomas Halonen is a CFP® certified financial advisor with 21 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Farmers Insurance Group and Farmers Financial Solutions from 2006 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,000 advisors and 15,000 branch offices.

Jack Rosely is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has been with Painewebber Incorporated since 1990. Outside of his advisory role, Jack holds a real estate license at ICR Co. in Madison Heights. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Jack Willson is a Planning Consultant at Fidelity Investments, a role he has held since 2023. In this capacity, he focuses on assisting clients in accumulating wealth and generating reliable sources of income tailored to their financial goals. His professional approach centers around creating financial strategies that align with the individual needs of his clients. Since joining Fidelity Investments, Jack has been dedicated to providing planning services that support clients in meeting their long-term financial objectives. His work involves understanding client goals and developing plans to help achieve them through disciplined financial management. Further details regarding Jack's education, credentials, and personal interests have not been provided.

James Walker is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Lindsay Maldonado is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and three years of industry experience. Her prior work includes roles at United Wholesale Mortgage and positions in early childhood development and senior care. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as a commodity pool operator and advisor to multiple registered investment companies.

Kevin Brennan is a financial advisor at Cetera with 22 years of industry experience. He holds Series 65 and Series 66 registrations and has previously worked at VOYA Financial Advisors and Hollbrook Insurance Agency. Brennan is also the owner of Brennan Services LLC, a financial services business, and serves as Vice Chair of the Hartland Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Lewis Duncan is a financial advisor with Ameriprise, holding a Series 66 designation and 14 years of industry experience. He previously worked at J.P. Morgan Securities for 10 years before joining Ameriprise. Outside of his advisory role, he serves on the Board of Directors for the Safari Club International Flint Regional Chapter, where he is also Vice President and Fundraiser Chairman. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kent Ballard is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1998 and with Raymond James Financial since 2011. Ballard also owns Ballard Wealth Group, a marketing name used for his branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs across a large network of advisors.

Thomas Townsend is a CFP®-certified financial advisor with 41 years of industry experience. He has worked at Ameriprise since 2019, following a decade at UBS Financial Services. Ameriprise offers a retirement-income planning service for clients typically holding at least $1 million in investable assets, providing written recommendations on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and oversight committees to deliver tailored, algorithm-assisted retirement income plans.

William Luke is a financial advisor with Ameriprise in Swartz Creek, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset thresholds, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Gegg is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill for 44 years, providing financial advisory services focused on money management, financial and estate planning strategies. Robert offers customized investment advice and guidance to high net worth individuals as well as institutional clients. His expertise includes working with concentrated equity positions for a diverse client base, including individuals, trusts, estates, charitable foundations, and endowments. Robert holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Ferris State University. Widowed, Robert has four children and five grandchildren. Outside of his professional work, he enjoys spending time with his family and participates in activities such as golf, tennis, fishing, and other outdoor pursuits.

Terri Mclaughlin is a financial advisor at Cetera with 29 years of industry experience. She holds Series 65 and Series 63 licenses and has been involved with Cetera Financial Specialists LLC since 2001. In addition to her advisory role, she is engaged in tax preparation services through Ark Tax Service, where she serves as a client liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to a range of investment strategies and program options.

Max Jackson is a Financial Consultant at Fidelity Investments, bringing over a decade of experience in the financial services industry. In his current role since 2026, he partners with individuals, families, and business owners to develop wealth plans tailored to their financial goals. His approach focuses on providing clients with strategies, tools, and education to support informed decision-making. Prior to his current position, Max held various roles at Fidelity Investments, including Planning Consultant, Relationship Manager, and Financial Representative, spanning from 2021 to 2026. His earlier career includes positions at Bank of America as a Relationship Manager and Relationship Banker, as well as roles in retirement planning and mortgage banking with GLP & Associates and Rocket Mortgage. This diverse experience informs his comprehensive understanding of financial consulting. Outside of his professional work, Max engages in family activities, fitness, playing musical instruments, traveling, and volunteering.

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.

Gary Penn is a financial advisor at Cetera with 17 years of industry experience. He holds a Series 66 designation and has worked with firms including Summit Financial Group Inc and Cetera Wealth Services, LLC. He is also involved with Penn Financial LLC, where he performs financial advisory activities. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform and a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Tiffany Saites is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and 11 years of industry experience. She has been with LPL Financial since 2015 and is also involved with Professional Management Services, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and nonprofit organizations. The firm offers a broad range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.