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.

Alvin Hayes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank since 2012 and J.P. Morgan Securities since 2017. Prior to his financial services career, he worked at Colling Homes Inc. for eleven years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Michelle Harm is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC., Hornor, Townsend & Kent, Inc., and Penn Mutual Life Insurance Company. Outside of her advisory work, she serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers a range of financial planning, consulting, and insurance products.

Andrew Goodrich is a financial advisor with LPL Financial based in Rochester, MI. He holds a Series 66 designation and has recently begun his advisory career. Prior to this, he played football at the University of Michigan. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of investment adviser representatives.

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 at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

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.

Timothy Curry is a financial advisor with Merrill, holding a Series 66 license and seven years of industry experience. He has been with both Merrill and Bank of America since 2010. Outside of his advisory role, he works as an independent delivery driver for Shipt, Inc. and DoorDash Inc. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Timothy Daly is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he has been involved with Saginaw Valley Sports Performance, LLC for over 20 years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, typically using model-driven investment approaches and offering access to third-party asset managers and wrap programs.

Louis Messina is a financial advisor with Cetera who holds the CFP® designation and Series 65 and 63 licenses, with nine years of industry experience. He has worked at Cetera since 2021 and previously held roles at Voya Financial Advisors and Baron Wealth Management. Outside of his advisory work, Messina is involved in educational content development through Horizon Adviser University and owns Messina Financial Group LLC, which provides expense management and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

Chase Clark is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial, BRSi Retirement Solutions, and Bank of America. His background also includes roles in education at Northwood University and Grand Blanc High School. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Richard Boschert is a Series 66-credentialed financial advisor with 15 years of industry experience, currently with Ameriprise in Troy, MI. His prior roles include positions at Concorde Asset Management, Concorde Investment Services, and L.M. Kohn & Company. Outside of financial services, he is the master partner of an asphalt repair and maintenance business. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice based on proprietary research and third-party data.

Brynne Banks is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has previously worked at PNC Bank. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.