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.

Kenneth Minto Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining LPL Financial in 2020, he worked at J.P. Morgan Securities for eight years. He also operates a non-investment-related business 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 through a national network. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and uses research from multiple sources to support diversified investment strategies.

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.

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.

Eluterio Gonzalez is a financial advisor with Edward Jones in Grand Blanc, MI, holding Series 63 and Series 66 licenses and 13 years of industry experience. His prior work includes roles at JP Morgan Chase Bank, J.P. Morgan Securities, Chase Investment Services Corp, and JPMORGAN Chase Bank. 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 and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

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.

Karin Hawkins is a financial advisor at Fidelity with 16 years of industry experience and holds a Series 66 designation. Her prior work includes roles at Fifth Third Securities and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including fund-of-funds and model portfolios for intermediary platforms.

Eric Souder is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has nine years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, The Vanguard Group, and TD Bank. He serves as treasurer for both St. Mary Magdalene Orthodox Church and the Rotary Club of Waterford in Michigan. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a broad network of independent advisors and serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, with more than 10,000 advisors managing over $256 billion in assets.

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.