Stefan Lightfoot is a Financial Advisor with Merrill Lynch Wealth Management, serving as a Merrill Financial Solutions Advisor. He works closely with clients to understand their unique financial goals and develop tailored strategies to pursue their short-, mid-, and long-term objectives. Stefan provides guidance on a range of financial matters, including investing, retirement planning, liquidity management, and education planning. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Stefan focuses on areas such as college education planning, managing new wealth, personal retirement planning, retirement income, and small business strategies. He emphasizes ongoing advice and portfolio adjustments to align with clients' evolving needs and priorities. Stefan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Central Michigan University. In addition to his professional work, Stefan is involved with Michigan DECA, reflecting his engagement in community activities related to leadership and business education.

Nicholas Adams is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. In addition to his advisory role, he is involved with MFC - Pinnacle Wealth Strategies, where he engages in the sales and marketing of fixed annuities, insurance products, and securities. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and managed account solutions. The firm utilizes asset allocation tools and third-party platforms to construct diversified portfolios for its clients.

Christine Brinkel is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized custody, and a formal alternative investment program.

Danielle Henry is a financial advisor at LPL Financial with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2019 and Premier Financial since 2018. Outside of advisory work, she briefly operated La Vita Bistro in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house research and third-party resources.

Brandon Harris is a financial advisor with Edward Jones in Livonia, MI, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he served in the US Army for 22 years. Outside of his advisory role, he has been involved in several business ventures, including a minority ownership in a pizza franchise, acting as a trustee for a family-owned shirt company, and assisting with a digital application company owned by his wife. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment options. The firm manages over $1 trillion in assets and operates a broad network of financial advisors and branch offices across the United States.

Tobey Miller is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and 12 years of industry experience. He previously worked at Scottrade and TD Ameritrade before joining LPL Financial in 2018. Outside of his advisory role, Miller is involved in a music ministry, providing music lessons and performances. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, featuring both discretionary and non-discretionary management supported by in-house and third-party research.

Jon Russell is a Series 66 licensed financial advisor at Raymond James & Associates with 22 years of industry experience. He previously worked at Bank of America and Merrill for a total of 10 years before joining Raymond James in 2019. Outside of his advisory role, he serves as a committee member for South Lyon Travel Basketball, a youth basketball program. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Jennifer Bessen is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 22 years of industry experience. She previously worked at Hantz Financial for 13 years before joining Ameriprise Financial Services in 2017. Outside of advisory work, she serves on the Board of Directors of the University of Detroit Moms Club and is involved in tax planning and business expense tracking activities. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income stability and tax-aware withdrawal strategies.

Jill Tiell is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. 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 and fund 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.

Daniel Sherry is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has previously worked at Ford Motor Company and Wipro Limited. Outside of his advisory role, he serves on the Board of Directors and Finance Committee for Tipping Point Theatre. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Christopher Jacobs is a financial advisor with Charles Schwab in Ann Arbor, MI, holding Series 63 and Series 65 licenses and 16 years of industry experience. His career includes multiple roles within Charles Schwab entities since 2018 and prior experience at LPL Financial, Honeywell, and Morningstar Investment Services. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory guidance with access to affiliated discretionary SMA products and employs a multi-asset model portfolio approach supported by in-house research and a formal alternative investment review process.

Heather Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2018 as the Business Manager after spending four years as the Client Relationship Manager. Heather has dedicated the past 16 years to the financial industry. Her expertise lies in personalized wealth management and comprehensive financial planning strategies. She works closely with individuals, families, and business owners to develop customized solutions that address investments, retirement planning, tax considerations, and legacy goals. Heather holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Heather completed her high school education at Caro High School. Outside of work, she lives in Royal Oak with her daughter Haley, son RJ, and dog Maddie. She is involved with the Alzheimer's Association, Detroit Dog Rescue, and St Jude's.

Ronald Hernesko is a Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2011 after earning a Bachelor's degree in Accounting/Management from the Purdue University Krannert School of Management. Ron holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In his role, Ron manages the Covered Call, Investing for Growth, and Investing for Income equity strategies. He also contributes to implementing the high-yield and international equity strategies and handles Initial Public Offerings for the team.

John Cochran is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2022. In this role, he assists clients in determining financially possible strategies and aligning efficient, objective plans to help them work toward their financial goals throughout their lives. Prior to his current role, he served as a Financial Consultant at Fidelity Investments from 2012 to 2022. John's professional experience centers on wealth planning and financial consulting, providing him with a comprehensive understanding of client needs and investment strategies. His approach emphasizes perspective and experience to deliver tailored financial solutions. Outside of his professional responsibilities, John has personal interests that include golf, hiking, military service, outdoor adventures, and skiing.

Mark Schneider is a financial advisor with LPL Financial in Northville, MI, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Alicia Crafts is a Financial Consultant at Fidelity Investments, where she works closely with clients and their families to develop customized financial plans tailored to their goals and preferences. She emphasizes collaboration and a holistic approach to financial planning aimed at providing flexibility and peace of mind. Alicia has been with Fidelity Investments since 2020, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she held various positions at TCF Bank from 2016 to 2020, including Assistant Branch Manager and Branch Supervisor. She began her banking career as a Branch Teller at both CCF Bank and TCF Bank. Outside of her professional work, Alicia enjoys bowling, family activities, parenthood, and reading.

Christopher Walker is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. He partners closely with clients to develop financial plans tailored to their individual goals and circumstances, utilizing Fidelity's technology and platform to simplify complex financial planning. Christopher's professional experience spans over a decade and a half in the financial services industry. Prior to joining Fidelity, he served as Vice President, Financial Advisor at Huntington Financial Advisors from 2013 to 2024. Earlier in his career, from 2007 to 2013, he was a Licensed Insurance Sales Representative with State Farm Insurance. Outside of his professional work, Christopher has personal interests that include cars, family activities, and golf.

John Macdonell is a financial advisor with J.P. Morgan Securities in Brighton, MI, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at William Street, LLC. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

John Dulude is a financial advisor at LPL Financial with 14 years of industry experience. He previously worked for Crown Capital Securities, LP for 13 years before joining LPL Financial in 2024. Outside of advising, he is involved in tax preparation and accounting, and holds a role providing non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brian Repovz is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. He has worked at Cetera and its related entities since 2019 and previously at Summit Financial Group and Summit Brokerage Services. Outside of his advisory role, he is also involved in selling fixed insurance products, including life, health, and disability insurance. Cetera Investment Advisers LLC serves a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that supports various investment strategies and program structures.