Kevin Peltier is a Financial Consultant at Fidelity Investments, a position he has held since 2021. Prior to this role, he served as an Investment Consultant at Fidelity from 2020 to 2021, and began his career with the company as a Financial Representative in 2020. In his professional capacity, Kevin focuses on helping clients plan, manage, and grow their wealth over time while aiming to avoid common financial mistakes. He emphasizes treating clients with the same respect and consideration he would expect for himself, ensuring that recommendations are suitable for each client's individual circumstances, family, and future. No information regarding Kevin's education, credentials, personal interests, or community involvement has been provided.

Larry Mah is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked with Equitable Advisors since 2014, including its predecessor Axa Advisors, LLC. Outside of his advisory role, he serves as Vice President of the Hartland High School Choir Booster Club and as an elder at Cornerstone Evangelical Church. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Graham Garrison is a financial advisor with J.P. Morgan Securities in Birmingham, MI, holding a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2021, he held roles at Planet Fitness, PNC Financial Services, and legal firm Winegarden, Haley, Lindholm, Tucker & Himelhoch PLC. He is also an investor in Tasley AI, a technology company providing an AI-powered guest messaging platform for hotels. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a non-discretionary, quantitative, and ESG-informed approach.

Teresa Watson is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds a Series 66 designation and has worked at firms including Stifel Nicolaus and Wells Fargo Advisors. In addition to her advisory role, she is a licensed notary in Michigan. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Carol Ann Wake is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and 29 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for two years before joining UBS in 2018. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers a range of capital markets services supported by proprietary research and model-based asset allocations.

Jesse Moore is a CFP® with 35 years of industry experience, currently affiliated with Cetera since 2013. His prior work includes his own CPA and tax preparation practice, and he serves on the finance leadership team of the East Michigan Conference of the Free Methodist Church. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Hilary Goodman is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and previously worked at Comerica Securities/Ameriprise Financial Services LLC, Massachusetts Mutual Life Insurance Co, The Collective Financial Group, and Neiman Marcus. 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 delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

James Smith is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has previously worked at CJSJ Strategy Advisors, McLaren Medical Group, Beaumont Health, and is currently involved with Grand Blanc Community Schools. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a range of portfolio management styles and firm research.

Michael W. Lau is a financial advisor with UBS Financial Services in Troy, MI. He holds Series 63 and Series 65 licenses and has 42 years of industry experience, including 39 years with UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and provides a broad range of capital markets services.

Kostadin Krajcev is a financial advisor at Cetera with 28 years of industry experience. He has been with Cetera and its affiliated entities since 2025, following a 27-year tenure at Concourse Financial Group Securities Inc. Krajcev is also involved in managing a life insurance and fixed annuities business under Oxford Capital and holds a role in an insurance agency offering property, casualty, health, and dental insurance. Cetera Investment Advisers LLC is an SEC-registered adviser servicing a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm operates a multi-manager platform providing various portfolio management and financial planning services through both discretionary and non-discretionary arrangements.

Elvira Portera is a financial advisor with Morgan Stanley in Grosse Pointe Farms, MI, holding Series 63 and Series 66 licenses and having four years of industry experience. She previously worked at UBS Financial Services and Fidelity Investments among other firms. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning that uses firm-approved tools and scenario modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Daniel Cetnar is a CFP® professional with 17 years of experience at LPL Financial in Troy, MI, where he has worked since 2009. He is also involved in teaching, serving as faculty in the Personal Financial Planning Program at Oakland University. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

David Cook is a financial advisor with J.P. Morgan Securities in Troy, MI, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with J.P. Morgan Securities since 2012 and with JPMorgan Chase Bank, N.A. since 2003. Outside of his advisory role, he owns and operates Reel Rehab LLC, a fishing reel repair service. J.P. Morgan Securities 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 these advisory services alongside affiliated brokerage and investment management capabilities.

Dominic Polidori is a financial advisor at Morgan Stanley with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at both Morgan Stanley and J.P. Morgan in various capacities. He also serves as an advisor for the Alliance of M&A Advisors in Detroit, providing networking and content support. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and analysis.

Alan Semonian is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and over 20 years of industry experience. He has worked with Raymond James since 2005 and concurrently operates accounting and tax consulting businesses, including serving as CEO of AmeriTax Plus and President of Eagle Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by risk profiling and analytical tools, and it maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Connor Brannagan is a financial advisor with Raymond James & Associates in Birmingham, MI, holding a Series 66 license and three years of industry experience. Prior to joining Raymond James, he worked at EOTECH INC and has served as a Marine Corps Reservist since 2017. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Vichunas is a financial advisor with LPL Financial based in Troy, MI. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. His prior roles include positions at infinex Investments, Inc. and Flagstar Bancorp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by in-house research and third-party resources.

Danielle Bishop is a Series 66-licensed financial advisor with Equitable Advisors in Troy, MI, where she has worked since 2017. She has seven years of industry experience and previously worked at Westbrook Planning Group and Harper Medical Management. Outside of her advisory role, she is involved in music as a substitute lead female vocalist for MAINSTREET SOUL and volunteers as a singer with the St. Clair Shores Community Chorus. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that utilizes multiple third-party programs and offers both advisory and brokerage channels to meet client needs.

Sarah Grosch is a financial advisor with J.P. Morgan Securities in Rochester, MI, holding Series 63 and Series 66 credentials and having 22 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2004. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework. The firm delivers services through a select group of Wealth Advisors on a non-discretionary basis, recommending funds and strategies approved through its internal review processes.

Robert Thompson is a CFP®-certified financial advisor with 27 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.