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 with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Raymond James Financial Services since 2005. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs across a large network.

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 at Merrill Lynch Wealth Management and a member of the NMY Ragnone Group. He works with individuals and families to develop personalized financial strategies aimed at supporting their long-term goals. His professional services include tailored investment management, retirement planning, estate planning, and family wealth strategies. Joseph holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Lake Fenton High School and attended Mott Community College without obtaining a degree. His approach focuses on understanding clients' priorities to create strategies that help pursue their financial objectives.

Garrett Baumbach is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2021. Prior to his current role, he worked at Farm Bureau Insurance and has experience outside the financial industry. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Mariam Joseph is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. She works closely with clients to develop personalized financial plans that align with their long-term goals. Mariam leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to address various aspects of her clients' financial lives. With a focus on areas such as college education planning, employee benefits, family wealth management, and retirement income, Mariam emphasizes a thorough understanding of each client's needs. She holds the Personal Investment Advisor (PIA) designation and earned her Bachelor's Degree from Mahatma Gandhi University. Mariam is fluent in Malayalam, Hindi, and English. Residing in Rochester, MI with her son, Mariam is actively involved in community organizations including IGEN MI chapter, LEAD for Women, DIWA, InForum Rochester, India Club of Genesee County, and Kerala Club. Her personal interests include traveling, boxing, cooking, football, golfing, knitting/crocheting, tennis, and practicing Krav Maga and weight training.

Glenn Matecun is a financial advisor with LPL Financial who holds Series 63, 65, and 66 licenses and has 10 years of industry experience. He previously worked at Osaic, Prosperity Wealth Management, and Founders Financial Securities. Outside of his advisory role, he is an owner and attorney at Glenn R. Matecun, PC, a law firm specializing in elder law and estate planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, and participant-level retirement advice, supported by extensive research and technology tools.

Teresa Mcclelland Sargent is a CFP® professional with 27 years of experience, currently serving at OSAIC since 1998. She also owns Financial & Tax Planning of Flint, Inc. Outside of her advisory work, she serves as chairman of the nonprofit Back to the Bricks Inc. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various client types including individual investors, retirement plan sponsors, and corporate clients.

Rob Maxwell is a Financial Consultant currently working at Fidelity Investments since 2021. He has held roles including Principal, Investment Advisor Representative, and Chief Compliance Officer at Pinnacle Wealth Partners from 2019 to 2021. Prior to that, he was a Sales Consultant at Allstate Financial in Michigan from 2015 to 2019. From 2004 to 2015, he worked at Prudential Financial as a Fee-Based Financial Planner and later as Manager of Financial Services. Throughout his career, Rob has focused on financial consulting, emphasizing a relationship-focused approach to understand client priorities. He utilizes clear communication and thoughtful planning to assist clients in navigating financial decisions and aligning their wealth with their values.

Alan Rohde is a financial advisor with Cetera who holds the PFS™ and Series 63 designations and has 32 years of industry experience. He has worked at Cetera since 2004 and has a longstanding association with Yeo & Yeo, providing accounting services as an independent contractor. He is also a member of Rmr Lake Life LLC, a family vacation property maintenance business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that incorporates both affiliated and third-party managers.

Kurtis Mc Mahan is a financial advisor with Morgan Stanley, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones from 2012 to 2024 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his financial advisory work, Mc Mahan serves on several local boards in Davison, Michigan, including the township, community schools, and the country club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing comprehensive advisory programs to individual and institutional clients. The firm utilizes structured financial planning tools and offers a range of investment services, managing approximately $2.74 trillion in client assets.

Mark Down is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been affiliated with JPMORGAN Chase Bank, N.A. since 2010. Outside of his advisory role, he operates a handyman business specializing in small engine repair, lawn mowing, and debris removal. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory approach combines quantitative and qualitative research and may incorporate ESG criteria, with implementation supported by affiliated investment-management entities.

Jason Brown is a financial advisor with OSAIC in Flint, Michigan, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked with OSAIC since 2007 and was also employed at Financial Planning Advisory Corp from 2014 to 2016. Outside of his advisory role, he assists in administrative support for Financial & Tax Planning Inc. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supporting various discretionary and third-party managed strategies.

Patrick McCallum is the Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2022. He has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant before his current position. Prior to joining Fidelity, he worked as a Financial Advisor and Financial Advisor Intern at Edward Jones Investments from 2011 to 2015. Patrick's professional focus involves partnering with clients and their families to help them strive toward reaching their most important financial goals. His experience encompasses wealth planning and financial consulting across various roles in the financial services industry. Outside of his professional career, Patrick has interests in cars, concerts, family activities, music, and traveling.

Scott Nicholas is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Ameriprise since 2009, serving in various capacities within the firm. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

John MacDonald is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1996, working with high net worth families, endowments, and foundations to provide investment, wealth management, cash-flow management, and special services. His areas of focus include family wealth management strategies, managing new wealth, retirement planning, philanthropic planning, portfolio management, small business strategies, socially responsible and ESG investing, and individual and corporate investment strategy. John earned his M.B.A. with a finance major from the University of Michigan-Flint and holds the CERTIFIED FINANCIAL PLANNER® designation from the Certified Financial Planner Board of Standards, Inc. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for eight consecutive years. Community involvement includes service as the Finance Chair and Treasurer of The Flint Cultural Center Corporation, where he is also a former Vice Chair. John lives in Fenton with his wife, Nicole, and their daughter, Allie. He is a parishioner of St. John, Fenton. In his personal time, John enjoys biking, music, swimming, tennis, traveling, and spending time with his family.

Bianca Adamo Leece is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2003. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to support model asset allocations, with a program that incorporates ESG considerations and broader derivatives and commodities capabilities.

Alexander Bowden is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he worked at Kalamazoo College Fitness Wellness Center and Kalamazoo College, and held positions at Dr. Wax Orthodontics and Flushing School District. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations.

Keith Holzwarth is a financial advisor at Stifel with 44 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Stifel Nicolaus & Co Inc since 2017, following a brief tenure at Wells Fargo Clearing. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group, applying forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Arianna Casto is a financial advisor at Thrivent Investment Management with a Series 66 credential and one year of industry experience. Her work history includes roles at Thrivent Financial, Hantz Financial Services, and Great Lake Investment Advisors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning covering a broad range of topics and allows clients to combine planning with managed accounts through a consolidated billing option called WealthPlan.