Evan D Silva is a financial advisor with LPL Enterprise in Troy, MI, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Nylife Securities LLC, and New York Life Insurance Co. He is also a member of Centaur Consulting LLC, a business entity for tax and investment purposes. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation with offerings that include financial planning, third-party asset managers, and participation in wrap programs, alongside affiliated trust and insurance services.

Matthew Dzieciolowski is a financial advisor at Morgan Stanley in Bloomfield Hills, MI, holding a Series 66 license with one year of industry experience. His prior work includes roles at MDVIP, Smith and Nephew, MDMD Sales, LLC, and Medacta USA. Morgan Stanley Wealth Management provides a broad range of advisory services to individual and institutional clients, offering tailored financial planning supported by approved tools and research. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional offerings with additional activities such as private funds and structured-product services.

Troy Wyman is a CFP® professional with 27 years of experience in the financial advisory industry. He is currently with Edelman Financial Engines and has previously worked at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary management options while operating as a fiduciary under ERISA and DOL guidance.

Steven Dodson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 with PaineWebber (now UBS) and has since focused on retirement income planning, education savings, and wealth management strategies. Steven holds Series 7, 63, and 66 FINRA registrations, along with life, health, and variable annuity licenses. He also holds the Chartered Retirement Planning Counselor™ designation, among other professional credentials including CFP, CPFA, PIA, and RAFA. Steven works with individuals, families, and corporate executives to develop and proactively manage personalized wealth management strategies designed to preserve income and grow assets. His areas of client focus include corporate executive services, divorce transition planning, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. He emphasizes building enduring relationships based on trust, integrity, and confidentiality. He holds a Bachelor's Degree from Oakland University and resides in Rochester, MI with his wife and two sons. In his free time, Steven enjoys biking, boxing, golfing, music, running, swimming, and yoga.

Nicholas Selca is a financial advisor with Charles Schwab in Troy, MI, holding a Series 66 designation and 14 years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Scottrade, Citizens Securities, Mangotree Capital, and Merrill. Outside of his advisory work, he is a member of Black Mountain Group LLC, which invests in income-producing real estate. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance utilizing multi-asset model portfolios and a centralized operational structure.

Jordan Hessling is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and previously worked at Fifth Third Bank and Bank of America, N.A. before joining Merrill. 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.

Nicholas Juncaj is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with J.P. Morgan since 2015, including a brief period managing his own firm in 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, offering non-discretionary advisory programs supported by centralized due diligence and ESG processes.

William Powers Jr. is a financial advisor with LPL Financial in Troy, MI, holding the ChFC® designation and Series 63 and 65 licenses. He has 43 years of industry experience, including ten years at Cetera Advisors LLC and over 40 years with Powers Financial Resources LLC. He serves on the board of Hedgehog Health, a for-profit organization in Royal Oak, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers comprehensive financial planning, model portfolio programs, third-party asset management, and institutional platforms with various investment strategies and operational support tools.

Denice Oliver is a financial advisor at Ameriprise in Troy, MI, holding Series 63 and Series 65 licenses with 25 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, 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 non-discretionary, algorithm-assisted recommendations, primarily for clients holding assets in Ameriprise Managed Accounts.

Dennis Dehn is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including The Prudential Insurance Co. of America, Mass Mutual Investors Services, and Metlife Securities. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach with access to third-party asset managers and offers a range of financial planning and consulting services.

V Adams is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, V Adams collaborates one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Leveraging investment insights from Merrill and banking solutions from Bank of America, V Adams focuses on creating flexible wealth management plans responsive to evolving market conditions. V Adams holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Their educational background includes a High School Diploma from Fordson. Committed to community involvement, V Adams follows the Merrill tradition of serving local organizations through volunteer work.

Timothy Flint Jr. is a financial advisor with Equitable Advisors in Troy, MI, holding Series 65 and Series 66 credentials and 19 years of industry experience. He has worked at Equitable Advisors since 2015 and previously spent five years at Axa Advisors, LLC. Outside of his advisory role, he is a partner at Mosaic Capital Group, LLC, and serves as a board member for Dunham Hills Golf Course. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm relies on a network of Investment Adviser Representatives and third-party managers to deliver customized investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Everett Latos is a Financial Advisor at Merrill Lynch Wealth Management, where he has been contributing since 2020. In his role, he employs a goals-based planning methodology to assist clients in achieving their financial objectives. Everett focuses on areas such as retirement planning, investment management, fiduciary services, and wealth management strategies, including family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. With expertise in asset allocation and adapting financial strategies as they evolve, Everett leverages the resources of Merrill to create customized financial plans tailored to his clients' goals. He holds a business degree from Hope College in Holland, Michigan, and carries professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). In his free time, he enjoys outdoor activities such as hiking, running, and skiing.

Michael Ratliff is a financial advisor with Edward Jones in Ortonville, MI, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Roger Folkema is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 19 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research-driven analysis with algorithmic tools to deliver tailored retirement planning advice through a centralized consulting team.

David Zukowski is a financial advisor with Morgan Stanley in Troy, MI, holding a Series 66 designation and 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and has also worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm’s financial planning process uses structured discovery conversations and approved planning tools, providing tailored financial plans supported by its Global Investment Committee’s return estimates and modeling techniques.

Stephen Mikel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has worked at J.P. Morgan Securities since 2014 and Jpmorgan Chase Bank, N.A. from 2014 to 2019. Outside of his advisory role, he assists with paperwork and tax preparation for a family-owned S-corporation related to his spouse's anesthesia work. 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, distribution, and investment management capabilities.

Frank Cooney is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on implementing tax-efficient wealth strategies aimed at multigenerational wealth preservation. Frank works closely with clients to help them manage family wealth, navigate new wealth scenarios, and achieve tax minimization. With a disciplined and personalized approach, Frank assists clients in making complex financial decisions to protect, grow, and transfer wealth effectively. He holds a Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Eastern Michigan University. Outside of his professional role, Frank enjoys antiquing, fishing, hiking, reading, and spending time with his family.

David Brazen is a financial advisor with Ameriprise in Troy, MI, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in consulting through his own business and serves as treasurer on the board of directors for a homeowners association. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Andrew Gizinski is a Financial Consultant currently serving as a Branch Leader at Fidelity Investments since 2026. In his role, he focuses on empowering financial professionals to perform at their highest level. His work emphasizes leadership and team development within the financial services sector. Andrew's professional experience centers on branch leadership and financial consulting. He applies his expertise to support and guide financial advisors and teams to achieve their goals. Details regarding his educational background and credentials have not been provided. Outside of his professional responsibilities, Andrew has interests that include beach activities, family time, fitness, parenthood, and tennis. These personal interests reflect his commitment to a balanced lifestyle.