Jeffrey Hakes is a financial advisor at Cetera with four years of industry experience. He holds the Series 66 designation and has held prior roles at First Command Advisory Services and Bankers Life. Outside of his advisory work, he is involved in selling fixed insurance products and providing health insurance advice through his own related businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Rachelle Hassan is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds a Series 66 designation and previously worked at TIAA-CREF for 11 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, charitable organizations, and government entities, providing financial planning, investment consulting, and institutional fiduciary solutions.

Christian Odish is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at JPMorgan Chase Bank, N.A. Outside of his advisory work, he is involved as a contractor delivering and setting up floral arrangements for Flowers by Christina B. and assists with event setup for Inflate Detroit, a provider of party accessories. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary wealth advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a research-supported advisory process and incorporates a range of strategies including ESG considerations.

Dan Keith is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, initially serving as an Investment Consultant before advancing to his current role, where he provides financial consulting services. Dan's professional experience encompasses working with a diverse range of clients, focusing on financial planning and helping high-net-worth families evaluate and make informed financial decisions tailored to their individual goals and circumstances. Prior to joining Fidelity, he worked as a Financial Advisor at Morgan Stanley from 2014 to 2015 and began his career as an Insurance Representative at Allied Financial from 2013 to 2014. Outside of his professional work, Dan has interests in boating, comedy, concerts, golf, and movies.

Jacquelyn Kuhn is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at MetLife Securities Inc. for 21 years. In addition to her advisory role, she is an insurance agent specializing in life, health, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning relationships using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Kimberly Melletat is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has been with Raymond James & Associates since 2006. Raymond James & Associates, Inc. is a large 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, investment consulting, and municipal advisory services with a range of portfolio management styles and affiliated research.

Mary Crummey is a Financial Advisor at UBS Financial Services with 39 years of industry experience, including 37 years at UBS. She holds the Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and delivers advisory work through a network of Financial Advisors using proprietary research and model-based strategies.

Jeffrey Fitzgerald is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is a large SEC-registered advisory and broker-dealer firm serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured processes and firm-approved tools to model client outcomes.

Jason Braun is a financial advisor with UBS Financial Services in Troy, MI, holding Series 65 and Series 66 licenses and bringing 20 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Sergio Guerra is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 65 credentials and one year of industry experience. His prior experience includes roles at MML Investors Services, MassMutual Life Insurance Company, and Michigan State University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Rumschlag is a financial advisor with Raymond James Financial Services Advisors, Inc. in Southfield, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Raymond James since 1997 and owns Rumschlag Realty LLC, a real estate investment business. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and is notable for its municipal advisor affiliation and specialized retirement plan advisory services.

Dimitri Hountalas is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Cetera and JPMorgan Chase. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Susan Tower is a financial advisor with Ameriprise in Davison, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to create written Recommendation Reports. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Charles Mc Calla is a financial advisor with J.P. Morgan Securities in Birmingham, MI, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has been with J.P. Morgan Chase Bank NA and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating ESG considerations and derivatives capabilities.

Keith Hullum is a CFP® professional with 22 years of experience in the financial services industry. He is currently with OSAIC and previously worked at Woodbury Financial Services and Axa Advisors. He is also owner of Lovelace and Hullum Financial Group, an S corporation that provides financial services including securities and insurance. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, and charitable organizations. The firm offers a range of advisory and brokerage services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization tools.

Kathleen Warunek is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as an election poll worker and co-chairman for the City of Riverview, assisting with voter check-in and compliance with state voting guidelines. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities and employs algorithmic automation alongside oversight committees to generate tailored retirement income recommendations.

Lisa Cuckovich is a financial advisor at UBS Financial Services with the Series 66 designation and two years of industry experience. She previously worked at the International Academy and Costco Wholesale, and spent 25 years at the Academy of the Sacred Heart. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor investment plans to client goals and risk tolerances.

Jon Petoskey is a financial professional with 27 years of industry experience. He currently works at Cetera and holds Series 63 and Series 66 credentials. His prior roles include positions at Minnesota Life Insurance Company, Securian Financial Services, and VALIC Financial Advisors. Outside of his advisory work, he is involved with Wealth Strategies Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services using multiple program structures and third-party managers.

Aaron Pawlak is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 17 years of industry experience. His prior work includes seven years at Raymond James & Associates and seven years at Merrill Lynch. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of financial planning and investment management services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports a large network of advisors and provides access to various portfolio strategies and institutional platforms.

Danielle Vergona is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has been with J.P. Morgan Securities since 2013 and also has a concurrent role at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with implementation supported by affiliated investment management entities.