Christopher Georgandellis is a financial advisor at Merrill with six years of industry experience. He holds the CFA® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at Comerica and Tree Town Investments, LLC. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Renate Nebel Bernard is a financial advisor at Cetera with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Cetera Advisors LLC since 2013. In addition to her advisory work, she owns and manages 4 B Pretzels LLC, a wholesale and retail pretzel business. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with diverse investment strategies, portfolio management options, and financial planning services through a nationwide network of independent advisors.

Michael King is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliates since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm provides written, non-discretionary Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist in retirement income planning.

Marc Powers is a financial advisor with Raymond James Financial in Oxford, MI, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked with Raymond James Financial Services, Inc. since 1997 and has been involved in real estate since 2011. 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, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through its affiliation with a municipal advisor.

Rachel Lawson is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity entities since 2014. 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 combines fundamental research with quantitative analysis and systematic methodologies, and it serves as an adviser to multiple registered investment companies and fund-of-funds.

Christopher Ruffino is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Bloomfield Hills, Michigan. He has been with Merrill since 1986 and serves as a Vice President in the office, helping clients develop personalized financial strategies to pursue their long-term goals. His approach centers on understanding his clients' passions and objectives to create flexible wealth management plans that adapt to changing market conditions. With 35 years of experience, Christopher offers expertise in portfolio management, asset allocation, retirement planning, tax efficiency, estate and wealth transfer strategies, and college education planning. He works with clients across the United States and internationally, focusing on areas such as executive compensation, family wealth management, liquidity management, philanthropic planning, and tax minimization. Christopher and his team are committed to providing exceptional service through dedication and hard work. Christopher holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University and maintains ongoing education within the financial services industry. He holds the professional designation of Personal Investment Advisor (PIA) and is active in the Bloomfield Hills-Birmingham community. Outside of work, he enjoys basketball, fishing, football, gardening, golfing, music, spending time with family, traveling, and woodworking.

Krystal Burns is a financial advisor with Merrill in Auburn Hills, MI, holding a Series 66 designation and 15 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013 and affiliated with Bank of America since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Mark Drouillard is a CFP® with 33 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior roles include positions at Securities America Advisors and Ameriprise Financial Services, where he worked from 2009 to 2024. Outside of his advisory work, he is president of Patrick Henry, Inc., a business advisory firm focused on mergers and acquisitions, private equity, and business operations coaching. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party managers to construct diversified portfolios.

Spencer Schmale is a financial advisor at Osaic Wealth Inc. with 11 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors for nine years. Schmale is also the owner of Spencer Schmale Financial, LLC. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage a wide range of investment portfolios.

Valentine Koch is a CFP® professional with six years of industry experience, currently affiliated with Morgan Stanley in Rochester, MI. His prior experience includes roles at Raymond James & Associates Inc. and the University of Michigan Ross School of Business. Morgan Stanley Wealth Management serves individual and institutional clients by providing comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and integrates broad investment offerings through its Financial Advisors and Estate Planning Strategies Group.

James Mclellan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 45 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Cetera Advisors LLC from 2014 to 2020. He is also president of Silverbell Group, a financial services business through which he manages business expenses and staff. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered in collaboration with advisors like Mclellan.

Iuliana Keyes is a financial advisor with OSAIC in Troy, MI, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked at OSAIC since 2009 and is also affiliated with Vim Capital and Thomas Financial Group. Keyes serves on the board of FernCare Free Clinic, a nonprofit providing free healthcare to uninsured individuals. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of advisers and advisory platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to build diversified portfolios with various investment vehicles, offering both discretionary and non-discretionary management options.

Michelle Harm is a financial advisor with LPL Enterprise, based in Troy, MI, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. Her prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, Hornor, Townsend & Kent, Inc, and Penn Mutual Life Insurance Company. She serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm integrates advisory services with brokerage and insurance products through its platform and supports lending programs such as LPL’s collateralized lending initiative.

Andrew Goodrich is a financial advisor with LPL Financial based in Rochester, MI. He holds a Series 66 designation and has recently started his advisor career. Prior to joining LPL Financial, he was involved with the University of Michigan Football program and attended the University of Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a variety of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

David Buring is a Wealth Management Senior Relationship Manager at Fidelity Investments, a role he has held since 2025. In this capacity, he partners with his team to provide service and guidance on various financial and family needs, focusing on educating clients about the full range of Fidelity's offerings. David has accumulated significant experience in the financial sector, beginning as a Loan Officer at New Century Mortgage from 2004 to 2006. He then served as a Bank Manager at Fifth Third Bank between 2006 and 2007, followed by a long tenure as a Planning Consultant with Fidelity Investments from 2007 to 2025. Outside of his professional work, David's personal interests include cooking and baking, football, gardening, movies, and running.

Mark Yount is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2009. 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.

Lyle Schonberger is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. His prior experience includes over 15 years with Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business focused on non-investment-related estate planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and advanced technologies across discretionary and non-discretionary management.

Scott Rosenblum is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 65 and Series 63 credentials and 17 years of industry experience. He has been with Bank of America and Merrill since 2014. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Herriman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides financial guidance to affluent individuals and corporations, focusing on helping clients achieve their financial objectives with a disciplined and transparent approach. His services cover a range of areas including college education planning, corporate benefits, executive compensation, family wealth management strategies, institutional consulting, legacy planning, investment strategy, tax minimization, and retirement income. Ryan holds a Bachelor's Degree from the University of Michigan and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He employs a tailored approach to support clients' current lifestyles, retirement income needs, and legacy goals, aiming to ensure clients feel comfortable throughout the process. Outside of his professional work, Ryan enjoys boating, golfing, and tennis. He is involved in the community through his participation on The Salvation Army Echelon Board.