Jonathon Sermo is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2013. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and document management. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports and combining research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Amy Bolda is a financial advisor with Ameriprise in Farmington, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Ameriprise and its related entities since 2009. Ameriprise offers a retirement-income planning service geared toward clients approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centrally delivered, non-discretionary service that supports Ameriprise financial advisors.

Michael Schlegel is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cambridge since 2019, following six years at Waddell & Reed. In addition to his advisory role, he is involved with various insurance carriers through W&R Insurance Agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple platform arrangements and both proprietary and third-party investment strategies.

Ronald Dickerson Jr. is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Wells Fargo Clearing and Infinex Investments. Outside of his advisory role, he serves on the boards of two Ann Arbor nonprofits: The Neutral Zone, a youth-driven community organization, and Unity on Campus, a non-denominational ministry where he acts as Board Treasurer. 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. The firm delivers advisory services alongside brokerage and investment management capabilities, with a focus on non-discretionary programs supported by an in-house manager solutions team and centralized due diligence.

Phil Andrews II is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at MetLife Securities Inc., Massachusetts Mutual Life Insurance Company, and Mass Mutual Investors Services. He is also an author of a work titled *Sally and Sam Squirrel*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a large network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management strategies.

Kimberly Dwyer is a financial advisor with Thrivent Investment Management in Novi, Michigan. She holds a Series 66 designation and has 10 years of industry experience, all with Thrivent Financial and its investment management division. Outside of her advisory role, she is the owner of a competitive and recreational dance studio, FLEX POINT DANCE, LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various planning topics. The firm’s approach separates planning from managed-account services and conducts periodic reviews, without accepting discretionary trading authority for its Dedicated Planning Service.

Consuelo Wicks Reiter is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2022, she worked at Inverness Securities LLC, Ancora Advisors, The Prudential Insurance Company of America, Pruco Securities LLC, NYLIFE Securities LLC, and New York Life Insurance Co. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools, with an emphasis on advisory services rather than individual security recommendations within standalone financial plans.

Ronald Walton is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Ridgedale Financial Advisors since 2012. Outside of his advisory role, he operates Ronald Walton Doterra Oils, a business focused on selling and organizing sales of pure therapeutic oils. Cetera Investment Advisers LLC serves a diverse client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

Matthew Boley is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He has previously worked at MassMutual Life Insurance Company, Mass Mutual Investors Services, Bank of America, and Merrill. He holds Series 65 and Series 63 designations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes cash-flow, retirement, education, risk and wealth-transfer planning, as well as specialized services such as business-owner transition planning and special-needs analysis.

Richard Truxall is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Invest Financial Corp. In addition to his advisory work, he offers fixed and indexed annuities as well as long-term care and traditional life insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes.

Jason Sherman is a CFP® professional with 22 years of experience in the financial services industry, all with LPL Financial in Southfield, MI. He holds Series 63 and Series 66 licenses and has additional involvement in tax preparation services alongside his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Kayla Jordan is a financial advisor at OSAIC with six years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Chase Bank N.A., JPMorgan Securities LLC, and Firstmerit Bank/Huntington Bank. Jordan also serves as a client services and new business manager for another advisor within her firm. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party investment solutions to construct diversified portfolios.

Alex Nader is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Ameriprise Financial Services, LLC, Comerica Securities, Inc., and Jag Trading, LLC. Outside of his role at Morgan Stanley, he manages an advisory business through Comerica Financial Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and models.

Jacob Wirgau is a financial advisor at Edward Jones in Canton, MI, with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branches, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products under a fiduciary standard.

Jason Drumheller is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 65 designations and having 21 years of industry experience. He has been with Morgan Stanley since 2010, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Ernesto Marchioni is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and bringing 42 years of industry experience. His prior roles include positions at Travis Smith and Waddell & Reed, Inc. He has been with LPL Financial since 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Chaunceey Johnson is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Before joining Fidelity, Johnson worked at Thrivent Investment Management, J.P. Morgan Securities, and Apple. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research and quantitative analysis to construct algorithm-driven model portfolios. The firm is noted for its formal advisory roles with registered investment companies and its use of AI and algorithmic methods in portfolio management.

Vito Guarano is a financial advisor with Ameriprise in Commerce Township, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2002. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies to deliver annual, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Ryan Gliwa is a financial advisor with Ameriprise in Livonia, MI, holding a Series 66 designation and seven years of industry experience. He has been with Ameriprise and its affiliated entities since 2017. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Whitney Bonaquist is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and six years of industry experience. Prior to joining Morgan Stanley in 2018, Whitney worked at Dynamic Metals Group and Great Lakes Woodworking. Outside of finance, Whitney owns and operates Elevate New Hudson, an online retail business focused on art and culture merchandise. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm employs structured planning tools and offers access to various investment products and private funds through its extensive platform.