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A d v e r t i s e m e n t

2010FIVE STAR

Wealth Managers

2010 INDEPENDENT SURVEY OVERAll SATISFAcTION



Well over half of the consumer responses in the Detroit area indicated it is difficult to find a wealth manager

they trust and rely on.(1) Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, life insurance agents, accountants, tax advisors, attorneys, etc.

With more than 11,000 wealth managers in the Detroit area, how do you find someone who listens to you, represents your interests and operates with an emphasis on integrity and service? HOUR Detroit magazine can help. The magazine formed a partnership with Crescendo Business Services to find out which wealth managers scored highest in overall satisfaction.

The Selection Process

Crescendo administered a survey, by mail and phone, to approximately 1 in 5 high-net-worth households(2) within the Detroit area. An additional 4,200 surveys were sent to financial services industry professionals.

On the surveys, recipients were asked to evaluate only wealth managers whom they knew through personal experience, and to evaluate them based upon nine criteria: customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale service, quality of recommendations and overall satisfaction.

Both positive and negative evaluations were included in the scoring. Only wealth

managers with five years of experience in the financial services industry were considered.

Next, each wealth manager was reviewed for regulatory actions, civil judicial actions and customer complaints as reported by FINRA (the Financial Industry Regulatory Authority) and other regulatory agencies.

Then, before finalizing the list, wealth managers were reviewed by a blue ribbon panel. The blue ribbon panel was comprised of individuals from within the financial services industry. Although panelist comments were incorporated into the final score, safeguards were built into the review process to reduce the ability of panel members to influence the composition of the final list on the basis of company affiliation.

An Elite Award

The resulting list of 2010 FIVE STAR Wealth Managers is an elite group, representing less than 7 percent of the wealth managers in the Detroit area. Only 686 of the top-scoring wealth managers made this year’s list. For a more user-friendly listing, wealth managers have been grouped based upon their primary financial service. Each wealth manager has also listed up to three additional financial services that they provide their clients.

Although this list will certainly be a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many other excellent wealth managers who, for one reason or another, are not on this year’s list.

R e s e a R c h D e c l a R at i o n s :As with any research or recognition program, it is

important that we provide you the following

declarations:

• The 2010 Five STar Wealth Managers do not pay a fee to be included in the research or the final list of Five STar Wealth Managers.

• The overall evaluation score of a wealth manager

reflects an average of all respondents and may not

be representative of any one client’s experience.

• The FIVE STAR Award is not indicative of the

wealth manager’s future performance.

• Wealth managers may or may not use discretion

in their practice and therefore may not manage

their clients’ assets.

• The inclusion of a wealth manager on the FIVE

STAR Wealth Manager list should not be

construed as an endorsement of the wealth

manager by Crescendo Business Services or

HOUR Detroit magazine.

• Working with a FIVE STAR Wealth Manager or

any wealth manager is no guarantee as to future

investment success nor is there any guarantee that

the selected wealth managers will be awarded this

accomplishment by Crescendo in the future.

• The research process for the FIVE STAR Wealth

Manager Program, managed by QMI Research,

incorporates a statistically valid sample in order

to identify the wealth managers in the local

market that score highest in overall satisfaction.

QMI Research does not include wealth managers

on the list unless their score is statistically valid.

At least 50 percent of the wealth managers in the

market have a statistically valid score.

For more information on the FIVE STAR Award

and the research/selection methodology, go to:

fivestarprofessional.com/wmresearch.

(1) 2009 Consumer Survey, QMI Research(2) Defined as the upper 1/3 of all households based on net-worth.

Detroit 2010Five Star Wealth Managers.We surveyed consumers, financial service professionals and HOUR Detroit Magazine subscribers to find wealth managers in the Detroit area who scored highest in overall satisfaction. Here they are.

Meet your

2010 F i v E S TA r W E A lT h M A n Ag E r S


i n d e x o f w e a lt h M a n aG e R SList compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: AC=Accounting; BK=Banking; BP=Business Planning;

CG=Charitable Giving; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; LC=Long-term Care; TS=Trust Services; TX=Taxation; WP=Will Preparation

ESTATE PlAnningESTATE PlAnningESTATE PlAnningBuSinESS PlAnningAccounTing

AccounTingMichael dentamaro

Gordon advisors BP, fP, tx

John Gurin Gurin & Gurin BP, fP, tx

thomas haggerty thomas R. haggerty BP, tx

laura howard hhh Accounting Services BP, TX

Marc Kippelman Kushner Chupack Kippelman & taub tx

Gary Kushner Kushner Chupack Kippelman & taub BP, tx

Michael locricchio Metzler locricchio Serra & Co. BP, eP, fP

Marilyn Maher Marilyn K. Maher BP, eP, tS

M. ann Meehan einstandig, Kline and Meehan BP, fP, tx

lawrence Millman Grant Millman & Johnson eP

Paul Moskowitz Paul Moskowitz tx

Steve Raicevich Raicevich & Bulgarelli tx

Diane Siriani Siriani & Associates BP, TX

lawrence Slutsky Rehmann financial eP, fP, tx

Robert Swanson Robert wm Swanson tx

Paul walter walter Boesky & assoc. tx

dean Yost CSd advisors BP, eP, tx

BuSinESS PlAnningeudora adolph

avertrust advisors eP, fP, iV

daryl C. debol duval Capital Management eP, in, iV

allen Glasser Glasser & associates aC, fP, tx

lynda a. Glasser Glasser & associates aC, fP, tx

Jeannine gleeson Freeman, cotton & gleeson EP

Keith Green lPl financial fP, in, iV

earl Mchugh earl e. Mchugh eP, in, iV

Earl romans Earl l. romans & company Ac, FP, TX

thomas treppa Giarmarco Mullins & horton

Peter Zingas Simon Stella & Zingas eP, tS, wP

ESTATE PlAnningMark accettura

accettura & hurwitz lC, tS, wP

thomas Bergh Varnum tx

Kevin Bernys dickinson wright fP

drew Besonson northwestern Mutual wealth Management Company BP, fP, tS

Joseph Bonventre Clark hill CG, tx

andrew Byers Byers & Goulding lC, tS, wP

thomas Callow Monaghan tx, tS, wP

dolores Coates Morello law Group CG, tS, wP

thomas Colarossi Colarossi & Colarossi tS, wP

daniel Cornwell Cambridge wealth Strategies CG, in, iV

Carl Creithton Creighton Mclean & Shea BP, wP

Robert delisi delisi & associates BP, tS, wP

w. Patrick dreisig Butzel long BP, CG, tx

Charles esser Baker tilly Virchow Krause aC, BP

Kirk falvay falvay Marcus & weston BP, tx, wP

Mark feinberg Mark l. feinberg tx, tS, wP

alan ferrara finkel whitefield Selik BP, CG, eP

Julius Giarmarco Giarmarco Mullins & horton CG

eric Glick thav Gross Steinway & Bennett BP, tx, wP

Joel S. Golden Jaffe Raitt heuer & weiss, professional corporation CG

henry Grix dickinson wright CG, tx, wP

greg hamilton hamilton and Associates cg, TX, WP

david Jerome law offices of david e. Jerome BP, tS, wP

Stephen Jones Beier howlett tx, wP

Jay Kennedy warner norcross & Judd BP, tx

Robert lubera wakefield Sutherland & lubera tS

J.thomas Macfarlane Clark hill tx

Sanford Mall Mall Malisow & Cooney lC, tx, wP

diana Moak Pugh Moak lC, tS, wP

Monica Moons Couzens lansky fealk ellis Roeder & lazar tx, tS, wP

Michael Muma Michael Muma attorney at law wP

Charles nida honigman Miller Schwartz & Cohn CG, wP

david Page honigman Miller Schwartz and Cohn CG, fP, wP

Jobie Patrick Patrick financial Group lC

dan Penning dan Penning attorney at law BP, tx, wP

arthur Pisani arthur a. Pisani wP

don l. Rosenberg Barron Rosenberg Mayoras & Mayoras eP, tS, wP

George Runstadler Berry Moorman BP, tx, tS

Charles Rutan St. Clair investment advisors eP, iV, tS

Richard Schloss hertz Schram BP, tx, wP

Gary Schwarcz Couzens lansky fealk ellis Roeder & lazar BP, tx, tS

John Selesko Bassey and Selesko BP, tx, wP

Philip Seymour law offices of Gabe Quinn and Seymour BP, tS, wP

Richard Shapack Butzel long BP, CG, tx

w. Craig Sleeman w. Craig Sleeman PlC BP, wP

Gordon Snavely Snavely, Gordon a. - attorney tS, wP

david Sommerfeld Butzel long attorney’s and Counselors tx, tS, wP

Mark Stasa Kerr Russell and weber BP, tx, wP

Jeffrey Sternberg Kotz Sangster wysocki & Berg CG, tx, wP

Michael Sugameli Sugameli and Sugameli P.l.C. tS

thomas Sweeney Clark hill tx, tS, wP

david M. thoms Miller Canfield BP, CG, tS

Bruce tobin Bruce h. tobin PlC BP, tS, wP

Paul G. wakefield wakefield Sutherland & lubera BP, tS, wP

thomas J. wall, Jr. wall law Group fP, tS, wP

Michael witzke witzke Berry BP, tS

david wood wood Kull heschfus obee & Kull BP, tS, wP

FinAnciAl PlAnningAnthony Agbay

The Agbay group, A Division of leonard & company BP, EP, iv

elizabeth allen elizabeth a. allen in, iV

Joseph anastasio UBS financial Services CG, in, iV

Bonnie anderson anderson family financial eP, iV, tx

david appleford R. w. Baird and Company eP, in, iV





FinAnciAl PlAnning FinAnciAl PlAnning FinAnciAl PlAnningFinAnciAl PlAnningFinAnciAl PlAnning

david aquilina leonard and Company iV

Stephen arkwright UBS financial Services iV

Robert armstrong ameriprise financial CG, eP, iV

Jonathan arntz Professional advisor Group iV

Carol Balagur ameriprise financial eP, in, iV

Richard Balamucki Cranbrook wealth Management eP, in, iV

Mark Bank law firm of John f. Schaefer eP, fP

douglas Barber Rehmann financial eP, in, iV

Ronald Barlow lPl financial in, iV

Joshua Barron JMB Financial Services group in, iv, lc

andrew Bass telemus Capital Partners BP, fP, iV

thomas Baughman Baughman Capital Management eP, in, iV

thomas Beard Godfrey hammel danneels & Company aC, BP, tx

timothy Bearden Stonebridge financial Partners BP, eP, iV

andrew Bearre Gregory J. Schwartz & Co. in, iV

andrew Beider Morgan Stanley Smith Barney BP, eP, iV

Christian Benard innovative financial eP, iV, lC

Kenneth Benardino Advance capital Services iv

Scott Bennett UBS financial Services iV

Bruce Berry Genesis financial Partners in, iV

Reid Beyerlein Raymond James & associates eP, in, iV

Jeffrey S. Biernat allstate financial Services BP, in, iV

Kenneth Bloom Bloom asset Management eP, iV, wP

Richard Bloom Bloom asset Management eP, fP, iV

andrew Bocknek UBS financial Services eP, in, iV

david Bond wiklund & Bond financial Services eP

lina Bowman Bowman Asset Management BP, in, iv

daniel Boyce Center for CG, eP, iV

david Brazen ameriprise financial - Brazen, Kennelly, Cooper, Matatou & associates eP, in, iV

david Breuhan Gregory J. Schwartz & Co. iV

gunther Brieger ii Ameriprise Financial - Bologna, Ducharme & Brieger BP, in, iv

Kevin Brockman Stonebridge financial Partners BP, eP, iV

John Broman true north financial Services in, iV, lC

Allan l. Brunmeier The Advisor’s resource group EP, in, iv

Ralph Bryant ameriprise financial - Bryant & associates eP, iV, tx

Joseph Budd Budd, Melone & co. Financial consulting group EP, FP, iv

thomas Buhl UBS financial Services eP, iV, tS

Ronald Bultman Morgan Stanley Smith Barney eP

Shawn Bumgardner ameriprise financial iV

rhonda Byer Primerica lc

william V. Caddick, Jr. ameriprise financial - Klassa, Swaggerty & associates in, iV

George C. Calvert Calvert Planning Corporation iV

robert cappelli Advance capital Management TX

Joseph Caserio Raymond James & associates iV

James Cattaneo Cattaneo wealth Management Group in, iV, tx

Raymond C. Celaya Plante Moran financial advisors CG, eP, iV

rod charles Financial Freedom group EP, iv

John Childers Raymond James & associates lC

Marshall Choinski lPl financial in, iV, lC

Matthew Chope Center for financial Planning iV

charles cobb Advance capital Services iv, TX

david Collins thrivent financial CG, eP, lC

Stephen Cooper Morgan Stanley Smith Barney eP, in, iV

thomas Glenn Cooper ameriprise financial in, iV

timothy Cooper UBS financial Services in, iV, tS

Robert Craun Craun freeman tax & wealth Management in, iV, tx

Matthew S. Cunningham ameriprise financial eP, in, iV

Robert Cunningham Morgan Stanley Smith Barney iV

Kirk Dahring Dahring, Zewe and Associates BP, in, iv

John daugherty PnC investments in, iV, lC

chris Demetral raymond James Financial Services in, iv, lc

Steven desmet Raymond James & associates fP, in, iV

elizabeth deutch ameriprise financial in, iV, lC

alexander dinser Metlife - Michigan financial associates BP, in, iV

daniel donohue Mass Mutual financial Group eP, in, iV

James i. Downing Ameriprise Financial cg, EP, iv

Andrea Kotch Duda raymond James & Associates EP, iv, lc

darryl duerbusch Global financial Planning Group eP, iV, tx

Brendan Dunleavy Michigan Financial companies BP, iv

damon dyas ameriprise financial eP, iV, lC

Randy eschels eschels financial Group eP, in, iV

Marcella evans Genisys financial Services eP, in, iV

dawn evola Michigan financial advisors BP, in, iV

Chris feldman UBS financial Services eP, in, iV

Richard ferguson Metlife - Michigan financial associates eP, iV, lC

Kevin T. Ferhadson Ameriprise Financial FP, in, iv

david fernquist lPl financial Services eP, in, iV

Vicki filipiak first investors Corporation in, iV, lC

adam finch RfC financial Planners in, iV, lC

Michael fleischer Morgan Stanley Smith Barney BP, eP, iV

Elizabeth Foley Ameriprise Financial in, iv

eric frantz Masen frantz & associates eP, in, iV

Mark fudold Morgan Stanley Smith Barney eP, iV






Daniel gardner Michigan Financial companies BP, EP, iv

Branko gegich Morgan Stanley Smith Barney EP, iv, lc

tina Gelmisi hantz financial Services eP, iV, tx

John M. Giangrande asset Planning Strategies BP, eP, iV

Savvas Giannakopoulos arbor financial eP, iV, tx

Richard Gibbs lPl financial BP, eP, iV

Paul giles Ameriprise Financial - giles & Associates in, iv, lc

Jill gleba gleba & Associates iv

david Goldberg Sigma financial Corporation eP, lC, tx

Ronald Goldman Morgan Stanley Smith Barney BP, eP, iV

david Granner thrivent financial eP, in, iV

Martin Grattan Society for lifetime Planning in, iV, lC

Bruce Greening UBS financial Services CG, eP, iV

Barbara Grose Key Concerns eP, iV, wP

douglas Gross Raymond James financial Services BP, CG, iV

Vito Guarano ameriprise financial in, iV

Steve Guglielmetti Guglielmetti asset Management in, iV, lC

Marilyn Gunther Center for financial Planning iV

Paul hack Raymond James & associates CG, eP, iV

charlie harrison iii Sunesis Financial Services iv

Kenneth e. hart lincoln financial advisors Corporation eP, in, iV

lee hart ameriprise financial BP

Russell henry Raymond James & associates BP, iV, tS

fred hensler hensler & associates wealth Management CG, eP, iV

Tim herbert Timothy herbert Financial group in, iv

Victor h. hicks ii Clayton & McKervey financial Group eP, iV

Daniel hoban Spectrum Financial resources iv

Robert hoger Sigma financial Corporation - insight financial Group in, iV

randall hoover hoover and Associates Financial Services in, iv, lc

nicholas hopwood Park avenue wealth Management in, iV, lC

harlan howard Charter one Bank eP, in, lC

Urban hubert UBS financial Services

christine isham northern Financial Advisors BP, iv, TX

Jeffrey ivory Stonebridge financial Partners BP, in, iV

Steven Jagusch S. Jagusch & Associates in, iv

Gary w. Jbara Morgan Stanley Smith Barney eP, iV

Michael fisher Jennings Cambridge wealth Strategies BP, eP, iV

Paul Johnson Morgan Stanley Smith Barney EP, iv, lc

Elizabeth Kaniarz Thrivent Financial For lutherans in, iv, lc

david Karbon CCo investment Services Corp. eP, in, iV

Mark Karwaski Morgan Stanley Smith Barney iV

dan Keller Raymond James & associates BP, in, iV

Jeffrey M. Kelof Ameriprise Financial - Kelof, cross & Associates BP, EP, iv

Michael a. King ameriprise financial eP, iV, tS

Michael Klassa ameriprise financial - Klassa, Swaggerty & associates financial iV

robert Kleber Advance capital Management iv

Michael Klein Morgan Stanley Smith Barney iV

todd Knickerbocker Raymond James & associates - the Knickerbocker Group in, iV, lC

Christopher Knowlton oppenheimer & Company eP, in, iV

ralph Koss raymond James & Associates cg, in, iv

Peter Kreher northwestern Mutual - the wilshire financial Group eP, in, lC

Daniel M. Krug Daniel Krug & Associates EP

Robert Krut Morgan Stanley Smith Barney CG, eP, iV

James Kruzan raymond James Financial Services - Kaydan group iv

Bill Kumm financial independence

Richard Kurjian UBS financial Services eP, in, iV

Raeann Kusch thrivent financial for lutherans CG, eP

leon labrecque lJPR eP, iV, tx

Jeff land Bloom asset Management iV

david lau lau & lau associates in, iV, lC

Michael lau uBS Financial Services in, iv, lc

david lentz northern financial advisors eP, iV, tx

ellis liddell ele wealth Management eP, in, iV

Jeffrey lido Advance capital Services EP, iv, TX

Brandon love UBS financial Services iV

Steve lovelace axa advisors BP, eP, in

Sandra lutkenhoff Morgan Stanley Smith Barney EP, in, iv

Anne Macintyre community central Bank - Financial Services group in, iv, TS

Keith Mahle Morgan Stanley Smith Barney iV

Catherine Maki insight financial Group in, iV, lC

Joann Marino UBS financial Services eP, fP

wendy Masen Masen frantz & associates fP, in, iV

Vincent Mastrovito the advanced Strategies Group BP, eP, iV

Steve Mattar Mattar financial in, iV, lC

Mitchell McCann the McCann Retirement Strategies Group CG, eP, iV

Patrick Mcfawn Raymond James & associates iV

J-Thaddeus Mcgaffey Ameriprise Financial BP, in, iv

warren Mcintyre Vision Quest financial Planning iV

lou Melone Budd, Melone & co. Financial consulting group cg, EP, iv

Christopher Michalak Capstone tax & financial eP, iV, tx

christopher Millio Ameriprise Financial BP, iv, lc






Robert Minasian Personal wealth Management eP, in, iV

Sebastian Minaudo northwestern Mutual - Cranbrook financial BP, in, iV

Mehul Mistry Secure Planning Strategies BP, EP, iv

Bassem Moez lPl financial in, iV, lC

Keith Mohn Benefits Solutions Group iV

Anthony Mona uBS Financial Services BP, iv

david Mooradian Morgan Stanley Smith Barney iV

Susan Moore-Bommarito Raymond James & associates BP, eP, lC

ernest P. Moosherr northwestern Mutual financial network eP, iV, tS

Sean Moran Morgan Stanley Smith Barney BP, EP, iv

Ken Morris Society for lifetime Planning iv

larry Moss raymond James & Associates EP, iv, TS

Joseph Moynihan Bosart investment Consulting Group fP

daniel Mulder ameriprise financial BP, in, iV

Mark napolitano Raymond James & associates BP, eP, iV

tom neal ameriprise financial eP, in, iV

lewis nedelcoff Morgan Stanley Smith Barney CG, eP, iV

Dana nelson Ameriprise Financial EP, iv, TX

charles nemes raymond James & Associates - nemes rush Private Wealth Management EP, in, iv

Craig noonan ameriprise financial BP, in, iV

Gerald norris UBS financial Services eP, in, iV

Kevin nowakowski uBS Financial Services - The nowakowski Team EP, in, iv

Michael o’Brien Gregory J. Schwartz & Co. iV

heather oneill Michigan financial advisors Corp President BP, in, iV

Patrick o’neill Morgan Stanley Smith Barney eP, iV

Geoffrey orbach Morgan Stanley Smith Barney eP, in, iV

william owens Raymond James & associates eP, in, iV

norman Pappas Pappas Financial EP, in, iv

James Parker ameriprise financial iV

James Periord, Jr. ameriprise financial BP, eP, iV

Andrew Perri Pinnacle Wealth Management FP, in, iv

Robert Petersmark Petersmark financial network eP, lC, tS

Joe Pezzillo Pezzillo financial Group eP, in, iV

alice Pfahlert ameriprise financial BP, eP

Wayne E. Phillips Ameriprise Financial BP, EP, iv

Bill Pillai ameriprise financial eP, in, iV

Michael Pominville Bloom asset Management

Carol l. Pope Morgan Stanley Smith Barney CG, eP, iV

Walter J. Powrozek Sigma Financial corporation BP, in, iv

Ronald Pruette Peninsula wealth Group CG, eP, iV

thomas Rabaut tfG advisors, eP, in, iV

Minoti rajput Secure Planning Strategies iv

Michael Rautiola RfC financial Planners in, iV, lC

Timothy reaume The reaume company in, iv

Randolph Redmond Rhl Group eP

Michael Reid hantz financial Services fP, in, iV

Paul Robak walters financial Group fP, in, iV

Mark J. Rogers Morgan Stanley Smith Barney eP, iV

Sheldon Rosenberg R. w. Baird and Company eP, iV, tS

lawrence Roth Roth & Company aC, iV, tx

Marian roth uBS Financial Services iv

Michael Rubino Rubino financial Group eP, iV, tx

Joseph Sabelhaus legacy wealth Management Group eP, in, iV

Rebecca Salama ameriprise financial iV

norman Samson UBS financial Services eP, in, iV

timothy Schafer lucido Morris wealth Management BP, in, iV

ed Schindler R. w. Baird and Company eP, in, iV

John Schindler uBS Financial Services cg, iv, TS

Michael Schinella uBS Financial Services EP, in, iv

Mark P. Schmidt Morgan Stanley Smith Barney BP, cg, iv

Marty Schmidt Martin l. Schmidt BP, eP, in

walter Schwartz Gregory J. Schwartz & Co. in, iV

Shawn Scribner Metlife BP, in, iV

nathan Sealey Brass ring Wealth Management BP, in, iv

Michael See PnC investments in, iV, lC

eric Seger the advanced Strategies Group BP, eP, iV

david Senatore Morgan Stanley Smith Barney eP

Sandy Sheils Sheils financial eP, in, iV

Sidhdharth Sheth uBS Financial Services EP, in, iv

John Paul Sicklesteel uBS Financial Services in, iv, lc

Michael Singer Singer leemon & Associates BP, EP, iv

Amy Smith Ameriprise Financial iv

Tom Smith Ameriprise Financial EP

Steven Solys the advanced Strategies Group eP, fP, iV

Jeffery P. Sprague Asset Planning Strategies EP, in, iv

Sankaran Sriram ameriprise financial iV

lawrence Stack Michigan Financial companies BP, EP, iv

Michael Stearns northstar financial eP, iV, lC

Robert Steingold Morgan Stanley Smith Barney eP, in, iV

Steven Swaggerty ameriprise financial BP, iV, tx

Cindy Szymansk Bloom asset Management iV

Brian Teichman America group - retirement Strategy centers in, iv , lc

Paul Tepatti comerica Wealth and institutional Management EP, in, iv

luke terry Rehmann eP, in, iV

daniel P. thomas, Jr. thomas financial Group eP, iV

Geoffrey thompson UBS financial Services eP, iV





FinAnciAl PlAnning FinAnciAl PlAnning inSurAncE invESTMEnTSinvESTMEnTS

wayne titus aMdG family wealth advisors CG, iV, tx

Paul Toby uBS Financial Services - STM Wealth Management group BP, EP, iv

richard Torrenti Morgan Stanley Smith Barney in, iv

Paul treder Morgan Stanley Smith Barney eP, iV, tS

John Tryon centaurus Financial iv

fran twiddy Raymond James financial Services iV

Peter Uher Columbia asset Management eP, iV

thomas Valade ameriprise financial in, iV

david Vallie Morgan Stanley Smith Barney CG, eP, iV

Jason Van duyn aquest wealth Strategies in, iV, tx

Scott van overmeer Ameriprise Financial - giles & Associates in, iv, lc

John Van wambeke ameriprise financial eP, in, iV

lynn vance lPl Financial - center for Financial Management one iv, lc

Kevin vanDyke Bloomfield hills Financial Ac, iv, TX

Peter Vannice ameriprise financial CG, in, iV

Sam Ventimiglia Great lakes wealth Planning BP, in, iV

Craig Vrooman Raymond James financial Services eP, iV, tx

dennis waitzman thrivent financial in, iV, lC

Robin waldman UBS financial Services eP, iV

Adam Walsh Michigan Financial companies FP, in, iv

richard Weinerman Sagemark consulting - Private Wealth Services EP, in, iv

George wells legacy of america in, iV, tx

Stephen werner Covenant financial Planning in, iV, lC

Robert whitcomb lPl financial BP

David White David B. White Financial EP, iv

Scott whyte Bloom asset Management iV

Joseph wietecha lexington financial

eric wolf ValiC in, iV, lC

tim wyman Center for financial Planning eP, iV , tx

cheri Young Michigan Financial companies in, iv, lc

Beth Zilka Baron Wealth Management EP, iv

eric Zimmerman ameriprise financial BP, in, iV

inSurAncEMitchell Bonnett

lPl financial eP, fP, iV

david Brock the Brock Group fP, iV, lC

Chris Christensen the advanced Strategies Group BP, eP, fP

lisa Coury Central Park insurance agency

Michael Gee allstate insurance - Mike Gee agency fP, iV

Joseph hanna western-Southern financial Group eP, iV, lC

Christopher harper Plante Moran insurance agency fP, iV

adam Kulesza executive financial Planning eP, fP, in

Peter Mendler Raider-dennis agency eP, fP, iV

Robert Schechter Schechter wealth Strategies CG, eP, iV

invESTMEnTSAnthony Agosta

Wells Fargo Advisors, llc

Michael ajlouny UBS financial Services - the ajlouny Group fP

Kenneth allen dfC financial Group eP, fP, in

Michael anderson wells fargo advisors, llC

J.R. atiyeh financial Planning & investments eP, fP, lC

Jeremy Bachusz Merrill lynch

Judith Yahr Bailey Merrill lynch

Michael Balagna lPl financial eP, fP

Christopher Balcerowiak ameriprise financial fP, in, tS

Bruce Ballard Morgan Stanley Smith Barney EP, BK, FP

Philip Barker Comerica Securities in, iV

John Basista Morgan Stanley Smith Barney fP

Daniel Battjes Wells Fargo Advisors, llc

deborah Bauer Raymond James & associates CG, eP, fP

Gary Bice UBS financial Services fP

Bob Bilkie Sigma investment Counselors CG, fP, lC

Joseph Binder MainStreet financial Services fP, in

douglas Bingham Raymond James & associates fP

James Bond wells fargo advisors, llC

adam Bos edward Jones investments

Robert Bosart wells fargo advisors, llC

william Bottrell UBS financial Services eP, fP, in

John Boukamp Merrill lynch

anthony Bove iii RBC wealth management eP

d. Michael Brady Morgan Stanley Smith Barney BP

Kenneth Brandt BKS advisors BP, eP, fP

Craig Brass UBS financial Services in

Brian Brice Merrill lynch

Terry Brown Wells Fargo Advisors, llc

theodore Bugenski william Mack & associates fP

Michael Bullis First Allied Securities FP, in, lc

william Burke Morgan Stanley Smith Barney eP

Mark Burns Burns investment group EP, FP, TS

lee Cabelof Morgan Stanley Smith Barney fP, in, tS

Mark Canavesio Raymond James & associates fP

Robert Carr R. J. Carr iii & associates eP, fP

Robert Carris lPl financial eP, fP, lC

Anthony caruana Wunderlich Securities EP, FP, in

Catherine Casteel ameriprise financial fP, in, lC

Valerija Castro Morgan Stanley Smith Barney fP, in

dante Cerroni Merrill lynch wealth Management

Michael R. Chechel, Jr. executive financial Planning eP, fP, in

Vonda Cini Merrill lynch

Jonathan Citrin Citrin Group BP, fP, iV





invESTMEnTSinvESTMEnTSinvESTMEnTSinvESTMEnTSinvESTMEnTS

loran Coffman wPS - investments CG, eP, tS

Paulette Cole Raymond James & associates eP, in, lC

william Collins wells fargo advisors, llC

david Collon Seizert Capital Partners fP, iV

Bill connell robinson connell group FP, in

Michael Cook Merrill lynch

Sean Cooney Raymond James & associates eP, fP

Mark Corombos Plante Moran financial advisors eP, fP, tx

John Cozzi Merrill lynch

Frederick h. cross Ameriprise Financial EP, FP, in

John dankovich Mackey Komara & dankovich BP, eP, fP

Mark dardzinski Rdh enterprises eP, fP, in

thomas davies Raymond James & associates fP, iV, tS

Robert declercq Morgan Stanley Smith Barney eP, in, tS

dan delano edward Jones

anita Gates delventhal a.G. Consulting Services aC, BP, tx

Paul DeMark Morgan Stanley Smith Barney FP

Marilyn Dimitroff capelli Financial Services FP

Steven dines Morgan Stanley Smith Barney in

Mark C. dixon Plante Moran financial advisors eP, fP, in

Brian donohoe oppenheimer & Company fP, in

Kenneth d’orazio oppenheimer & Company

Colette douglas Comerica Securities in, iV

tom duncan Vision Capital Partners BP, CG, eP

denise dunn Raymond James & associates - dunn financial Services Corporation eP, fP, in

Michael dzialo Managed asset Portfolios

Ronald eppler telemus Capital Partners fP

Jason fannon Charles Schwab & Company fP

Jason firek Merrill lynch

lawrence fisher lPl financial fP

Samuel flam UBS financial Services eP

Philip fluegge integrity wealth Consultants CG

Christopher forte wells fargo advisors, llC - forte/wagenberg

Jeffrey fratarcangeli Merrill lynch

Peter frawley Robert w. Baird & Co. eP, fP, in

andrew fries Comerica Securities in, iV

James Fydroski haas Financial Services FP, lc

Joseph Gadon wells fargo advisors, llC

Kenneth alan Gass wunderlich Securities eP, fP, in

Glen Gheesling Morgan Stanley Smith Barney fP

don B. Gill, Jr. Merrill lynch

erik Gotaas loC financial Services fP, in, lC

Kevin B. Granger PnC wealth Management fP, in, tS

Jeffrey r. grant uBS Financial Services - The grant Wealth Management group EP, FP, in

Bartley gravelle hilliard lyons cg, EP, FP

Stephen green Wells Fargo Advisors, llc

Marc greenlee Ameriprise Financial BP, FP, in

Donald i. gregg retirement Funding Advisors EP, FP

frank Griffo wells fargo advisors, llC

Gary haberkorn oppenheimer & Company in

Jay hack Raymond James & associates CG, fP, in

Glen hackman Morgan Stanley Smith Barney fP

Mark hankins Merrill lynch

debra hardin Merrill lynch

Keith harrington uBS Financial Services EP, FP, in

larry hastie Retirement income Solutions fP

Van hauswirth Raymond James & associates CG, eP, fP

Scott hazelton edward Jones

albert P. herzog iii executive financial Planning BP, eP, fP

Greg hinkson hinkson financial Services eP, fP, in

Daniel hollander hollander & lone cg, EP, FP

Mark holowicki Merrill lynch

Jeffrey hoppie Morgan Stanley Smith Barney EP, FP, in

Sean hughes Charles Schwab & Company CG, eP, fP

Ron humenny Starfire investment advisers BP, fP, tx

andrew hunter edward Jones

Samuel impastato Merrill lynch

Thomas Jacobs Morgan Stanley Smith Barney FP

Renato Jamett Raymond James & associates CG, eP, fP

Mark Jankauskas Ameriprise Financial FP, in, lc

William Jeffrey William Jeffrey & Associates BP, EP, FP

howard Kay Merrill lynch

Peter Keay edward Jones

David Kelton Ameriprise Financial EP, FP, TX

thomas Klippstein Morgan Stanley Smith Barney fP, in

Mike Kneale Morgan Stanley Smith Barney EP, FP, in

Michael Komara Mackey Komara & dankovich BP, eP, fP

william Konchal Raymond James & associates fP, in

Thomas Konopka Morgan Stanley Smith Barney EP, FP, TS

Mark Kosanke Concorde exchange Group fP, in, tx

Joseph Kowalsky ameriprise financial CG, fP, lC

Christopher Kress Sigma investment Counselors CG, eP, fP

david Kudla Mainstay Capital Management eP, fP

anne Kuhnle Merrill lynch

John G. Kulhavi Merrill lynch

thomas laethem Raymond James & associates eP, fP, tS

Susan lahay oppenheimer & Company

william laRosa Merrill lynch

c Dino lembesis Ameriprise Financial FP, in, lc

Marisa lenhard Sigma investment Counselors CG, fP

John lesser Plante Moran financial advisors eP, fP, tx

Joshua levine telemus Capital Partners fP

Robert levy UBS financial Services CG, fP, in

Steven lone hollander & lone

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invESTMEnTS invESTMEnTSinvESTMEnTSinvESTMEnTSinvESTMEnTS

BP, EP, FPMichael J. lopus

Plante Moran financial advisors eP, fP

Anthony lott uBS Financial Services cg, EP, FP

John low Merrill lynch

Matthew ludlow Merrill lynch

Jeffrey lynn Morgan Stanley Smith Barney EP, FP, in

evelyn Macintyre Capelli financial Services fP

william Mack william Mack & associates fP

Joseph Mackey Mackey Komara & dankovich BP, eP, fP

anne Magreta UBS financial Services CG, fP, in

ann Maile UBS financial Services

Patrick Martin wells fargo advisors, llC

John Mathey wells fargo advisors, llC

todd Matthews Consolidated financial Corporation in, iV

darin McBride UBS financial Services BP, eP, fP

R. Griffith Mcdonald Retirement income Solutions fP

alicia M. McGovern edward Jones

nancy Meconi Plante Moran financial advisors CG, eP, fP

Jody Medford tactical allocation Group CG

Kim Melletat raymond James & Associates - The Moss Financial group FP, in, lc

Gregory Merritt Concorde exchange Group fP, in, tx

nathan Mersereau Planning alternatives ltd fP

william Messner Morgan Stanley Smith Barney

eric Metzger Charles Schwab & Company CG, fP

Gregory Miller oppenheimer & Company eP, fP, tS

glen Milligan Ameriprise Financial EP, FP

osman R. Minkara CiG Corporation BP, fP, in

Christopher Misterovich Comerica Securities in, iV

John Mitchell oppenheimer & company in, iv, TS

Christopher Mizzi Merrill lynch

Joseph Mizzi Merrill lynch

Joseph Molloy UBS financial Services eP, fP, tS

Susan Morse Diversified capital Partners in, lc

todd Moss Greystone financial Group BP, eP, fP

Mark Mueting Merrill lynch

John Mullins Greystone financial Group BP, eP, fP

Daniel Murphy uBS Financial Services cg, FP

don nadeau Raymond James & associates eP, fP, in

John nader Comerica Securities fP, in, iV

Kevin M. nast transamerica financial advisors in

Richard nauer Morgan Stanley Smith Barney tS

Peter neary RBC wealth Management fP

Marc neville neville Financial group EP, FP, TS

Dominic nieto uBS Financial Services cg, EP, FP

thomas nihem Morgan Stanley Smith Barney iV

Marja norris UBS financial Services BP, eP, fP

Patrick A. o’connor uBS Financial Services FP, in, iv

Karla olson-Bellfi wells fargo advisors, llC

Michael ottaway Merrill lynch

Robert Palmer Plante Moran financial advisors CG, eP, fP

neil Paolella Arbor Asset Management FP

Steve Partyka Raymond James & associates fP

dan Patterson Managed asset Portfolios

Christine Paul Chase investment Services fP

daniel Paulson R. w. Baird and Company fP, in

James F. Peters, Jr. Tactical Allocation group FP

John Peters Raymond James & associates CG, fP

david J. Petoskey wealth Management Services BP, fP, in

Violeta Petrovski wells fargo advisors, llC

Phil Piesko Prudential in

Randall Potter Randall S. Potter fP, lC

terri Price Paramount financial advisors fP, in, tx

Gary Pryka fidelity investments CG, eP, fP

Gary Ran telemus Capital Partners CG, eP, fP

Jeffrey Rancilio oppenheimer & Company

Richard Rice Morgan Stanley Smith Barney fP, iV

Steven Riga Morgan Stanley Smith Barney eP, in, iV

howard Rosen UBS financial Services eP, fP, in

Keith Rowling Morgan Stanley Smith Barney eP, fP, in

Bradley S. Rush fidelity Brokerage Services CG, fP, tS

Penny Sage Chase investment Services fP

Michael Sanfield Merrill lynch

Terry Sawchuk Sawchuk & langenstein Wealth Strategies FP

Sara Schalz Charles Schwab & Company BK, eP, fP

Colleen Schon Raymond James & associates CG, eP, fP

walter Schram UBS financial Services eP, fP, in

Peter Schwartz Gregory J. Schwartz & Co. fP, in

Robert Schwartz Schwartz investment Counsel

Kevin Shannon Morgan Stanley Smith Barney fP, in, tS

edwin B. Shaw Planning alternatives ltd. BP, eP, fP

Kevin Sheard Charles Schwab & Company CG, fP, in

Michael Sherer Morgan Stanley Smith Barney CG, eP, fP

david Shink Securities Service network eP, fP, in

alfred Sickinger J.P. Morgan Chase & Co. fP, in, tS

Craig Simmons BKS advisors BP, eP, fP

Renee Skiver Skiver investment Services fP

dean Smith oppenheimer & Company fP, in, tS

Jay Smith raymond James Financial Services FP

Mark Smith Merrill lynch

craig Snyder America group retirement Strategy centers - lPl Financial BP, EP, FP

Julie Soldan Concorde financial Group fP, in

david Sonnenschein Morgan Stanley Smith Barney eP, fP





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Rebecca Sorensen UBS financial Services fP

douglas Spurlock R. w. Baird and Company fP, in, iV

Jeffrey Stander Morgan Stanley Smith Barney fP, in, lC

Gregory Steen ameriprise financial fP

lisa Stella raymond James & Associates - Stella Wealth Management FP, in, TS

Sheryl Stephens Stephens wealth Management Group eP, fP, in

norton Stern Burns investment group BP, EP, FP

John Steves ameriprise financial BP, fP, in

Robert Stone telemus Capital Partners CG, fP

william Stuart Merrill lynch

edward Sui UBS financial fP

Mitchell Swayze Morgan Stanley Smith Barney EP, FP, in

ian Sweet Merrill lynch

Matthew Swegles comerica Securities FP, in, iv

anthony Sword ameriprise financial iV

Jim tassoni CMC Capital CG, eP, fP

Mark thistlethwaite Morgan Stanley Smith Barney eP, fP, in

adam toth edward Jones

Stephen tyranski Morgan Stanley Smith Barney CG, eP, fP

Jonathan Uffelman oppenheimer & Company eP, fP, in

Peter Ulbrich, Jr. oppenheimer & Company eP, fP, in

lance Vainik Viking financial Group RaYMond JaMeS finanCial SeRViCeS fP

troy Vandenbosch wells fargo advisors, llC

Marie Vanerian Merrill lynch

Jeremy wade edward Jones

Glen walborn Raymond James & associates fP, in, tS

toni-Marie wander Plante Moran financial advisors fP, tx, tS

Dean Weaver uBS Financial Services EP, FP, in

John Weisgerber Wells Fargo Advisors, llc

Brian weisman Columbia asset Management eP, fP

daniel welch wwK investments in

Michael Welch r. W. Baird and company EP, FP

Penelope wexelberg financial Solutions in

James White Wells Fargo Advisors, llc

Mark whitfield edward Jones

wendy wilson Raymond James & associates fP

John woch wells fargo advisors, llC - wells fargo Securities

lyle wolberg telemus Capital Partners fP, in, tS

Steve wolfe wells fargo advisors, llC

henry woloson Security financial Management eP, tS, wP

Chris M. wolschleger edward Jones

doug wood wells fargo advisors, llC

Cameron wright Jay a. fishman ltd fP

Troy Yaldoo Wells Fargo Advisors, llc

Ronald Yolles Yolles-Samrah BP, eP, fP

Mary lou Zangerle Merrill lynch

arthur Zaske aZa Capital BP, eP, in

larry Zebko Raymond James & associates eP, fP, in

TAXATionMargaret amsden

Clayton & McKervey aC, BP, eP

tony antoun UhY advisors aC, BP, eP

John aoun aoun & Company aC, BP, eP

frank arvai arvai & associates aC, fP, iV

Barbara Bierbusse Barbara B Bierbusse

howard Bleiwas howard i. Bleiwas and associates aC, BP

Robert Bovitz Bovitz aC, fP, tx

Gloria Bucciero Bucciero & assoc aC, BP

Jeffrey Cantor Cantor & Cantor aC, BP, fP

arthur Cole Cole newton & duran aC, BP

Raymond h. Cooper, Jr. Bredernitz wagner & Company aC, BP, eP

andrew dincolo Rehmann financial BP, eP, fP

Karl l. fava Business financial Consultants BP

david haffey david haffey aC, BP, fP

Craig hale Craig hale aC

Kay harris Kay harris aC, fP, tx

John herrinton Berry Moorman BP, eP

Benjamin f. hollaway, Jr. national tax Services aC

Jay Kalisky Robinson, Pietras, Kalisky & Company aC, BP, eP

Mark Kaminski UhY advisors aC, BP, fP

lawrence Kohlenberg lawrence h. Kohlenberg aC, fP, iV

Gordon leff the lBf Group aC, eP, fP

Mark Sasena Sasena’s accounting & tax Service aC, BP

Robert J. Skubic Gofrank & Mattin aC, BP, tx

Brenda Smith Brenda w. Smith & Company BP

Kathy Underhill Rehmann accounting aC, BP, eP

warren widmayer ferguson & widmayer BP, iV, wP

Paul wydendorf averill accounting & tax Service aC

TruST SErvicESGeorgette Sheehan

northern trust eP



AdvAnCe CAPitAL mAnAGement teAm

Strategy Behind Every Move

For more than 23 years, Advance Capital has understood that this is a business based on relationships, not transactions. That is why everything

they do leading up to your retirement carries no cost, obligation or pressure. They invest in you before you invest with them. That is how they build lasting and successful relationships based upon trust and mutual respect. It also explains why virtually all of their new clients come via referrals.

Through good times and bad, staying on the right path is not easy. The

more you know and understand, the easier this will be. At Advance Capital, education is key. By reducing complex financial issues into understandable terms, their clients are better prepared to focus on the truly important issues that affect their financial security. In short, they put everything into context so you can understand your situation as well as they do. In these uncertain times, it is easy to see why more than 5,000 clients have put their faith and trust in Advance Capital.

• Helping people retire smart since 1986 with more than $1.7 billion in assets under management• Offering sound advice, detailed plans, solid investment portfolios and regular reviews• A long-standing commitment to low costs so clients get to keep more of what they earn

One Towne Square, Suite 444 • Southfield, MI 48076Toll-free: (800) 345-4783

[email protected] • www.acfunds.com

Investments are not insured, and may lose money. Client should be prepared to bear the risks associated with investing.

Top row: FIVE STAR Wealth Manager Charles Cobb, Jennifer Wayton, Terra Hantz, FIVE STAR Wealth Manager Jeff rey LidoBottom row: FIVE STAR Wealth Managers Kenneth Benardino, Robert Kleber; Michael Hohf, Gerald Malone

Not pictured: FIVE STAR Wealth Manager Robert Cappelli

Areas of Focus: Retirement Planning, Investment Management, Income Distribution Planning



tHe AGBAY GrOUP

Independence is the Foundation for True Client Advocacy

the Agbay Group’s independence began with the notion that there was a need for unbiased and objective financial consulting. With no

proprietary products to offer, we truly act as independent consultants and not product distribution channels. As fiduciaries, we align our services and advice with our clients’ needs. We build every relationship on comprehensive data mining and financial planning so the solutions are needs-based.

We look at the entirety of your situation including retirement, estate planning, creditor protection, risk management and philanthropic needs. We partner and coordinate with your other trusted advisors: CPAs and attorneys. This collaboration is a best practices approach to corporate benefits programs and total wealth management — the client is best served when the professionals are working together.

• Believing the return of your money is as critical as the return on your money• Fee transparency and uncompromised advice• A service oriented team approach since 1993

1450 West Long Lake, Suite 150 • Troy, MI 48098Phone: (248) 502-0806 • Toll-free: (877) 302-401k

[email protected] • www.agbaygroup.comThe Agbay Group is a division of Leonard & Company (www.leonardandcompany.com),

Michigan’s largest full-service, independent investment brokerage firm with offices across Michigan and in Colorado, Florida and New York. Member FINRA/SIPC

Back left to right: Beth Ventimiglia, April Steinhelper Front left to right: FIVE STAR Wealth Manager Anthony Agbay and Tom Marx

Areas of Focus: Sophisticated and Customized Solutions Serving Corporate Bene� t Plans and Select IndividualsDesignations: CRPS, CRPC, Investment Advisor Representative



AmeriCA GrOUP

Dedicated to Building and Preserving Wealth

established in 1981 and headquartered in Southfield, Michigan, America Group Retirement Strategy Centers is one of the premier financial groups

in Michigan. With more than 50 financial professionals in various specialties, the firm provides conflict-free financial planning services, investment advice and asset management services to more than 5,000 clients in the Michigan area. With more than $850 million in brokerage and advisory assets under management, the firm’s guiding philosophy is that all financial services should be looked at in the context of the client’s best interest.

“I am proud of our firm and the positive reputation we’ve built as a leader in serving pre-retirees and retirees with leading-edge investment management and financial planning. Our firm’s robust expansion over the years has been due to the constant hard work and dedication of our financial professionals, who provide independent and objective counsel to their clients,” said Craig J. Snyder, CFP, CLU, founder and president of America Group Retirement Strategy Centers. “We thank our clients and friends of the firm for their continued support.”

• Independent, unbiased and objective advice• Customized portfolio design and strategy• Focused on exceptional client communication and service

america Group Retirement Strategy Centers29100 Northwestern, Suite 405 • Southfield, MI 48034

Phone: (248) 353-6570 • Toll-free: (800) 713-1593

www.americagrouprsc.com

Securities and asset management offered through LPL Financial, Member FINRA/SIPC. America Group is not an affiliate company of LPL Financial.

FIVE STAR Wealth Manager Craig Snyder

Areas of Focus: Comprehensive � nancial planning, investment portfolio management, distribution management



BrAss rinG WeALtH mAnAGement

Personal Service … Professional Results

many quality financial professionals use the same pool of investments to manage your assets, generate income, and preserve your wealth. Not

all advisors; however, invest in you. Our client advisor relationships help you towards your goals and even encourage your investment in our advisors.

Your plans should be simple for you. We believe our approach to investing and our services are second to none. We believe that your portfolio and accounts should be easy to understand, give you confidence in your future, and can achieve the results you want. Take time for yourself and call today.

• “Perfection is impossible, excellence is not.” — Warren Buffett• Nathan D. Sealey • Michael Moleski • David Laidlaw

Auburn Hills • Clarkston • Grand Blanc • Macomb • Novi • Rochester • TroyOffice: (248) 330-8707

[email protected] • www.brassringwealth.com

NEXT Financial Group Inc. Does not give legal or tax advice. Securities and investment advisory services offered through NEXT Financial Group Inc. Member FINRA/SIPC.Brass Ring Wealth Management Inc. is not an affiliate of NEXT Financial Group. 10182 Wellington Drive Clarkston MI, 48348. (248) 330-8707.

Left to right: David Laidlaw, FIVE STAR Wealth Manager Nathan Sealey and Michael Moleski

Designations: CFP®, ChFC, CLU, CASL, JDAreas of Focus: Retirement, Income, and Estate Planning, 401k and Investment Management, Insurance Services



BrUCe K. BALLArd

27 Years of Experience + Custom Strategies = Sound Advice

Your investment portfolio should be as unique as your family, your lifestyle and your personality. So should the results.

One size does not fit all. If you are considering a second opinion about your portfolio and

investment strategy, you probably should get one. For instance, do you know how and what you are paying in fees? Or do you understand the concepts

of absolute performance and relative performance and the differences between the two?

If you have a portfolio of more than $1 million, please contact us and see what makes us different. Please call (800) 285-2214 at your convenience to schedule a private, no obligation, confidential appointment.

• Risk is real• Results are not accidental• Confidence and comfort level — priceless

4000 Town Center, Suite 1800 • Southfield, MI 48075Direct line: (248) 358-7019 • Toll-free: (800) 285-2214

[email protected] • www.smithbarney.com/ballard

© 2010 Morgan Stanley Smith Barney LLC. Member SIPC.

Areas of Focus: Investment Portfolio Design and ManagementDesignations: CFP, Senior Institutional Consultant



JOe BUdd And LOU meLOne

Our Approach: Goal Focused and Planning Driven

We understand that significant wealth allows our clients many options; however, it does not eliminate the complexities associated with that

wealth. Therefore, we strive to simplify the management of family wealth for our clients by guiding them through the six-step financial planning process developed by the CFP Board of Standards.

If these steps seem new to you, it is probably the result of working with someone who does not provide a financial or investment planning strategy. As a result, when the markets turn confusing, you may believe you have a good

plan when in fact, you don’t. As Warren Buffet once said, “When the tide goes out, you find out who was swimming without shorts.”

To that end, after gathering all necessary financial information about you, we will work with you to determine your personal and financial goals, time frame, and risk tolerance. Then, using our third party software, your comprehensive financial plan will be created, which is updated and reviewed annually. We have found this holistic approach beneficial in developing long lasting relationships with clients.

help planning for:• A retirement of dignity• Financial independence

3121 University Drive, Suite 180 • Auburn Hills, MI 48326Phone: (248) 499-8704 • Toll-free: (877) 293-5830

[email protected] • www.buddmelone.comThe rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the advisor’s clients. The rating is not indicative of

the advisors future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. Budd, Melone

& Company, LLC is a separate entity from WFAFN. [CAR 0110-4253A]

Left to right: FIVE STAR Wealth Manager Lou Melone, Margaret Anderson, FIVE STAR Wealth Manager Joe Budd

Areas of Focus: Financial Planning, Retirement Planning, Estate Planning and Business Succession Planning StrategiesDesignations and Titles: Joe and Lou – Managing Partners, Certi� ed Financial Planners; Joe – Chartered Financial Consultant



COmmUnitY CentrAL WeALtH mAnAGement GrOUP

Our Greatest Investment is Right Where You Live

Whether praised for her accomplishments as a former professional athlete, practicing attorney, or FIVE STAR Wealth Manager, *Anne

MacIntyre’s response is always the same: “It’s all about the team.” When she was asked to establish Community Central Bank’s wealth management division, she jumped at the chance to assemble a veteran team of customer-service-driven industry professionals.

Things are done a little differently at Community Central. Our phones are answered by human beings, not a machine. Instead of using proprietary investment products, our strategies are driven by the only acceptable criterion — what is appropriate for your portfolio. In short, we’re big enough to help you grow your wealth, yet “small” enough to always know your name.

• Financial advisory services• Retirement planning• Business retirement plans

120 North Main Street • Mt. Clemens, MI 48043Phone: (586) 649-2950 • Toll-free: (866) 860-5349

[email protected] • www.communitycentralbank.comSecurities and insurance products offered through LPL Financial and its affiliates, member FINRA/SIPC. Community Central Bank is not a registered broker and is not affiliated with LPL Financial.

| Not FDIC Insured | May Lose Value | No Bank Guarantee | Not a Deposit | Not Insured by Any Federal Government Entity |*Award criteria based on survey evaluations in the following areas: customer service, integrity, knowledge, expertise, communication, value for fee charged, meeting financial objectives, post-sale service, quality of recommendations and overall satisfaction.

Left to right: Front row: Laura Tengler, Mary Kaiser, Carol CerwinBack row: Sean Feng, Lance Barba, FIVE STAR Wealth Manager Anne E. MacIntyre

Designations: Anne E. MacIntyre, President, JD, CTFA; Sean Feng, Client Services Associate, CFA; Lance Barba, Registered Operations Associate, RFC



mAriLYn CAPeLLi dimitrOFF

Capelli Financial Services, Inc.Clarity • Confidence • Comfort

Being selected as one of America’s top financial advisors* 15 years in a row is an honor. However, our real satisfaction comes from helping you.

We want you to have the freedom to do what you truly value in life. For me, travel and photography with friends has brought remarkable adventures.

Life is messy and financial decisions can be complicated. We align your finances and investments with your needs, goals, resources and attitudes.

Please invest an hour in a no-fee exploratory meeting with us.

• Clarity about your situation and choices• Confidence to make good decisions• Comfort without ongoing anxiety about finances

Capelli financial Services, inc.40950 Woodward Avenue, Suite 140 • Bloomfield Hills, MI 48304

Phone: (248) 594-9282 • Toll-free: (800) 799-3300

[email protected] • www.capellifs.comCapelli Financial Services, Inc. is a fee-only firm.

*As rated by Worth magazine from 1994 through 2008. Worth did not publish rankings for 2009. Rankings and/or recognition by publications should not be construed by a client or prospective client as a guarantee that he or she will experience a certain level of results if company is engaged.

Areas of Focus: Medical and University Professionals, Retirees, Executives and Business OwnersDesignations: Certi� ed Financial Planner professional – 2009 Chair of National CFP Board



miCHiGAn FinAnCiAL teAm

Relationships Built on Trust, Not Transactions

Wealth management is more than just investments. Our FIVE STAR Wealth Managers provide true, comprehensive wealth management

services to individuals, executives and small business owners that allow them to meet their financial objectives. The FIVE STAR Wealth Managers at Michigan Financial Companies develop highly customized investment strategies for each of their clients that provide maximum financial advantage. These strategies provide “peace of mind” about retirement income and the

most effective methods to transfer family assets.Our FIVE STAR Wealth Managers know that annual returns matter, but

the relationships built on trust that they enjoy with their clients, is the surest indicator that their comprehensive, unbiased approach to wealth management is serving their clients’ best interests. They are dedicated to providing each client with a successful wealth management strategy that provides for today and preserves for future generations.

• Customized portfolio design with a personal approach to investment and retirement strategies• Dedicated to the service, support and success of our clients• Asset Protection and Risk Management Planning Services

28411 Northwestern Highway, Suite 1300 • Southfield, MI 48034Office: (248) 827-1300 • Fax: (248) 827-7378

www.michiganfinancial.comRegistered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc.,

Member FINRA, SIPC, a Registered Investment Advisor. 28411 Northwestern Highway, Suite 1300, Southfield, MI 48034. (248) 827-1300.Michigan Financial is independent of Signator Investors, Inc. and any affiliated companies. 225-03312010-17343217

Left to right: FIVE STAR Wealth Manager Brendan G. Dunleavy, Dane R. Smith, FIVE STAR Wealth Managers Adam C. Walsh, Daniel R. GardnerSeated: FIVE STAR Wealth Managers Cheri A. Young, Lawrence J. Stack

Designations: Brendan G. Dunleavy, CPA®, Dane R. Smith, CLU, ChFC, Adam C. Walsh, CFP®, Daniel R. Gardner, CFP®, ChFC,Cheri A. Young, Lawrence J. Stack, ChFC, MSFS



GiLes & AssOCiAtes

Delivering Financial Solutions for Today and Tomorrow Through a Comprehensive, Personalized Financial Planning Approach

Paul Giles is a senior financial advisor and has ranked in the top one percent of his company, Ameriprise Financial, for five of the last six

years. In total the firm has more than 60 years of experience.Backed by a team of professionals who specialize in everything from

retirement income and tax planning strategies to asset management and insurance, Giles & Associates have the resources to support all of your

financial needs throughout your life. We’ll apply our experience plus integrate the advice of outside experts to help you gain the peace of mind that comes with knowing that your money can continue to work for you, so you can continue to enjoy the retirement of your dreams. Rest assured, we will always treat you and your privacy with the highest level of respect.

• Wealth management and preservation of capital• Retirement income and tax strategies• Risk management and estate planning

Giles & associates900 Wilshire Drive, Suite 385 • Troy, MI 48084Phone: (248) 244-8177 • Fax: (248) 269-8230

[email protected], investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.

Some products and services may not be available in all jurisdictions or to all clients.

Left to right: Mark Drouillard, FIVE STAR Wealth Managers Scott VanOvermeer, Paul Giles; Ellen Morency, Beth Goodell

Areas of Focus: Clients seeking to maintain and preserve their income and wealth throughout retirementDesignations: Mark Drouillard, CFP



BArtLeY d. GrAveLLe

Using Both Simple and Complex Strategies, I Work toResolve the Financial Issues That Keep Families Awake at Night

When it comes to creating and preserving wealth, as well as boosting income, today’s investors aren’t just looking for investment vehicles

and services; they’re looking for a personal understanding of their financial needs and goals. That’s where I can help.

I understand that as your personal life changes, so does your financial life. Working closely with you, I will focus on formulating a personalized strategy appropriate to your needs.

Focusing on the creation, preservation and distribution of my clients’ wealth, I am well versed in planning issues that include retirement, business

succession, trust and estate planning and education funding. Through Hilliard Lyons, I offer comprehensive service and advice that includes an extensive menu of investments, including professional managed accounts from the country’s premier managers, in addition to stocks, bonds, options, mutual funds, annuities and insurance.

Founded in 1854, Hilliard Lyons has a long and distinguished history in the American marketplace. The firm is headquartered in Louisville, KY and operates more than 70 offices throughout the Midwest and Southeast.

• Retirement, business succession, trust and estate planning• Earned CWA® designation from the Academy of Multidisciplinary Practice• Joined Hilliard Lyons in 1997 and has more than 25 years’ experience in the financial services industry

hilliard lyons3225 Van Horn Road, Suite 130 • Trenton, MI 48183

Phone: (800) 201-1302 • Cell: (734) 558-9462

[email protected] • www.hilliardfc.com/bart.gravelleSecurities offered by J.J.B. Hilliard, W.L. Lyons, LLC. Member NYSE, FINRA and SIPC

Areas of Focus: Financial planning, retirement planningDesignations: Chartered Wealth Advisor®, First Vice President and Branch Manager



dOnALd GreGG And tHe rFA investment teAm

Achieving Your Financial Success Starts With a Well-Designed Plan

For individuals, RFA creates a distinct investment strategy for your goals, such as college education, preparing for retirement, and/or estate

planning. Each strategy is then integrated into an overall plan that seeks broad diversification and tax efficiency. For retirement plans, RFA acts as a fiduciary for the investment advisory services provided. The process begins with an Investment Policy Statement that details the investment strategy, goals and

fiduciary responsibilities. In the case of 401(k) plans, RFA creates multiple risk-based model portfolios from a customized investment menu. The models allow participants to invest in a well-diversified investment strategy, based on their own risk profile. For endowments and foundations, RFA works to maintain a sustainable balance between growing the portfolio and generating income in accordance with their Investment Policy Statement.

• For individuals, the plan integrates risk tolerance, personal goals and suitability• For company retirement plans, the plan focuses on fiduciary compliance and diversification• For endowments and foundations, the plan identifies target returns and spending policies

8031 M-15 • Clarkston, MI 48348Phone: (248) 620-8035 • Fax: (248) 620-8155

www.RFAadvantage.com

Registered Investment Adviser

Focus: Retirement Funding Advisors (RFA) has been o� ering investment advisory services since 1995 Retirement Funding Advisors is a fee-only independent registered investment adviser

Left to right: Norman Leon, Claudia Sarkisian and FIVE STAR Wealth Manager Donald Gregg



mArK JAnKAUsKAs

Relationships Built on Trust to Achieve Peace of Mind

mark Jankauskas has been working one-on-one with clients for more than 15 years to understand what is important to them and their families. As

a senior financial advisor, I carefully consider and evaluate the lifestyle needs (income, retirement and preservation of capital) of each client, and customize a portfolio to address each client’s unique situation, while integrating and coordinating legal, tax, investment and insurance strategies.

Whether your goals are growing your assets, preparing for retirement or beginning the income distribution phase of your life, I will apply my experience plus integrate the advice of outside experts to help simplify the most complex financial situations and free you to enjoy your life more fully.

My ultimate objective is to assist individuals in making educated, sensible investment decisions to fulfill both immediate and long-term financial goals.

• Providing exceptional financial advice with attentive personal service to investors• Comprehensive, client-focused and cost-effective investment management

51685 Van Dyke Avenue • Shelby Township, MI 48316Phone: (586)254-4227 • Toll-free: (800) 383-5900





eLiZABetH KAniArZ

Custom Wealth and Risk Management Solutions

Building on a commitment to unparalleled customer service, Elizabeth Kaniarz works with clients to create a detailed analysis and customized

financial strategy.Elizabeth’s goal is to help you make competent and informed financial

decisions. She combines sound investment strategies with tax/estate planning consideration and risk management to help you maximize your ability to lead a rewarding and fulfilling life.

Elizabeth has offices in Clarkston, Sterling Heights and Troy, Michigan.

• Detailed analysis and investment consulting• Tax-advantaged financial strategies • Committed to helping you reach your financial objectives

Troy, Michigan 48084Phone: (248) 227.3419

[email protected] Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial

representative in collaboration with your attorney and/or tax professional for complete details. Thrivent Financial representatives are registered representatives for securities offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, 800-847-4836, a registered broker-dealer and investment adviser, and a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA and SIPC. Fee-based financial advisory services are only available through a financial consultant or senior financial

consultant. Investments are not FDIC insured. For additional important disclosure information, please visit Thrivent.com/disclosures. 201001011

Areas of Focus: Retirement Planning, Wealth Preservation, Multigenerational Transfer/Charitable Giving Strategies Designations: CFP, FIC, Million Dollar Round Table



KeLOF, CrOss & AssOCiAtes

We shape financial solutions for a lifetime®

As Ameriprise Platinum Financial Services® advisors, Jeffrey M. Kelof and Frederick H. Cross have been recognized as part of an elite group

consisting of only 17 percent of Ameriprise financial advisors. Jeff and Fred have a combined 20 years of experience helping clients plan for their goals.

Whether your goals are growing your assets, preparing for retirement,

planning your estate or transferring family wealth, we’ll discreetly provide highly personalized service to assist with the details and nuances important to you and your family, not just your investments. We’ll apply our experience plus integrate the advice of outside experts to help simplify the most complex financial situation and free you to enjoy your life more fully.

• Define your dream, develop your plan and track your progress• Individualized asset management strategies• Exceptional client service provided via team approach

Kelof, Cross & associates, a Platinum financial Services Practice of ameriprise financial, inc.

12900 Hall Road, Suite 390 • Sterling Heights, MI 48313Phone: (586) 997-9466 • Fax: (586) 997-9488

[email protected] • [email protected], investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.


Left to right: Back row: Jamie Wehr, Oliver Gooden, John PavlovichFront row: FIVE STAR Wealth Managers Jeff rey Kelof and Frederick Cross

Areas of Focus: Retirement, Investment, Tax, Insurance and Estate PlanningDesignation: Chartered Retirement Planning Counselor (CRPC)



tHe KsG GrOUP At mOrGAn stAnLeY smitH BArneY

Knowledge • Strategies • Guidance

the KSG Group brings an experienced, team-based approach to address the investment and financial planning needs of individuals, families,

business owners and pension plans. The foundation of our practice is based on personal relationships, trust and objectivity. Through an open and ongoing dialogue, we gain a thorough understanding of your specific financial planning needs, objectives and concerns. Utilizing our comprehensive knowledge of the markets, services and products, we are able to develop effective solutions for your specific situation. A continual, disciplined process for reviewing and monitoring enables us to adapt our guidance and solutions

process to your ever-changing needs.Drawing upon the resources of Morgan Stanley Smith Barney, our goal is to

provide the tools and avenues to help achieve desired outcomes. Whether it is retirement, a child’s education, estate planning, charitable giving or institutional needs, the KSG Group is well equipped to assist you in meeting your financial pursuits. We are extremely grateful to be part of such a rewarding profession and ever mindful of the trust and confidence that is placed in us. We welcome the opportunity to learn more about you and your planning needs.

• Financial, estate, trust and insurance planning• Retirement planning and retirement plan creation• Investment, portfolio management and investment advisory services

220 Park Street, Suite 220 • Birmingham, MI 48009Phone: (248) 258-1750 • Fax: (248) 282-7162

[email protected] • [email protected]© 2010 Morgan Stanley Smith Barney LLC. Member SIPC.

Left to right: Back row: Rory McKendrick, Gary Sienkiewicz, FIVE STAR Wealth Managers Michael Kneale and Mitchell SwayzeFront row: Stacie Sevel, Sheila Ulinski

Mitch Swayze, CFP®, Vice President, Wealth AdvisorMichael Kneale, Senior Vice President, Wealth Advisor, Portfolio Manager



tHe HOLLAnder & LOne GrOUP

Winning Over Medical Professionals Through a Blend of Talent, Experience and High-Touch Customer Service

Hollander & Lone, LLC (H&L) is a boutique wealth management services firm, offering transparent fee-based financial planning and asset

management services. With an intimate knowledge of the business challenges facing medical practitioners today, H&L appeals to busy physicians/medical practices who seek coordinated and objective advice from a team of experienced, trusted and highly credentialed professional advisors. H&L integrates both

personal and medical practice planning assumptions and genuinely delivers on the promise of comprehensive wealth management services through its use of aggregation technologies. Medical practitioners will also gravitate to H&L because of the close relationships they maintain with outside attorneys and CPAs, and H&L’s use of independent research as a basis for managing both qualified retirement plans and personal investment portfolios.

• Fee-based advice and asset management• More than 47 years of professional experience• Direct access to dedicated support staff

29100 Northwestern Highway, Suite 405 • Southfield, MI 48034Phone: (248) 485-8111 • Toll-free: (800) 713-1593, Ext. 305

[email protected] • www.mymoneyguys.comSecurities and Financial Planning offered through LPL Financial, member FINRA/SIPC.

Left to right: FIVE STAR Wealth Managers Steven A. Lone and Daniel S. Hollander

Areas of Focus: Physicians, Medical PracticesDesignations: Daniel S. Hollander, JD, CFS; Steven A. Lone, CFA, CFS



tHe AdvisOrY PrACtiCe OF dAvid KeLtOn

Customized Money Management Services toHelp Our Clients Plan to Turn Their Dreams Into Reality

david Kelton, senior financial advisor, has more than 23 years of experience and has ranked in the top 1 percent of the company in

production for the past five years, placing him on the Chairman’s Advisory Council. In addition to David, the practice has four financial advisors and

three paraplanners to serve clients. All members of the team are licensed professionals with more than 90 combined years in the financial services industry. Receiving the FIVE STAR Wealth Manager Award is an honor for David and he appreciates the help from his team.

• Reliable, ongoing advice for wealth accumulation and preservation along with efficient tax strategies• We help families, business owners and other professionals• We are an ethical, knowledgeable practice that provides quality advice

19500 Victor Parkway, Suite 450 • Livonia, MI 48152

Phone: (734) 742-7567 • Fax: (734) 742-7570


Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.

Left to right: Raymee Leitz, Tela Geiger, Glenn Wicka, FIVE STAR Wealth Manager David Kelton, Andrew Gagne, Kathi Kelton, Mike Salah, Kathy Walters

Areas of Focus: Wealth Management, Retirement and Tax ManagementTitle: Senior Financial Advisor



tHe mOss FinAnCiAL GrOUP OF rAYmOnd JAmes & AssOC.

With All of the Uncertainties of Today, Your Financial Future Should Not be One of Them

Larry Moss and Kim Melletat offer services ranging from wealth management, retirement planning, philanthropic and trust planning

along with insurance and long-term care solutions.Realizing your dreams, no matter what shape they assume, requires having

the financial means to make them happen. We are committed to the idea that a wealth management plan is a far broader concept than merely adding

to your net-worth — it is a plan for achieving your goals throughout your life. We believe a conservative long-term approach to wealth management is necessary for financial success, and even the most carefully tailored financial plan is not a total success unless it reflects the trust, respect, and commitment between our clients and The Moss Financial Group.

• Our advisory group has more than 55 years of combined financial planning experience• Achieving your long-term objectives is not conditional on returns or rates; rather, it is absolute• We strive to provide exemplary service while helping you create and simplify your life plan

325 North Old Woodward Avenue, Suite 320 • Birmingham, MI 48009Phone: (248) 901-3926 • Toll-free: (800) 372-0309

www.TheMossFinancialGroup.com

Left to right: Jaime Sanborn, Laura Eldon, FIVE STAR Wealth Managers Larry Moss and Kim Melletat

Areas of Focus: Wealth Preservation, Multigenerational Financial Planning, Risk Management, Investment Advisory/ Bond SpecialistsLarry Moss, Senior VP , Investments and Wealth Management Specialist; Kim Melletat, Associate VP, Investments and Retirement Plan Consultant



CHristOPHer G. miLLiO

An Ameriprise Platinum Financial Services® Practice

F inancial planning starts with your dreams. As a senior financial advisor, I help you to develop a personalized financial plan and investment

strategy to enable you to feel confident about your financial future in a world

of uncertainty. My clients are busy, successful people. I help them maintain their financial focus so they can plan for the personal and financial goals that are most important to them — both now and in the future.

• Define your dream, develop your plan and track your progress• Envision what you want financial success to mean• Plan beyond the numbers

Millio & associates, a Platinum financial Services Practice of ameriprise financial Services, inc.

315 East Eisenhower Parkway, Suite 6 • Ann Arbor, MI 48108Office: (734) 477-5223 • Fax: (734) 222-9419

[email protected] • www.ameripriseadvisors.com/christopher.g.millioBrokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc.

Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Specializations: Comprehensive Financial Planning, Retirement, Investments, Insurance, Business and Estate PlanningDesignations: CRPC, Chartered Retirement Planning Counselor



dAnieL P. mUrPHY

Senior Vice President – InvestmentsSenior Portfolio Manager, Portfolio Management Program

the goal of Dan and his team has always been to consistently provide premier investment advice to a select client base. His clients value his

team’s extraordinary commitment, integrity and personalized service. When clients asked what he attributes his success to, Dan says, “I have spent my career refining my investment analysis system that consists of five levels of stock analysis. It takes the emotion out of investing which is typically what gets individuals into trouble. Following a strict discipline, along with my 28

years of experience is what helped my clients avoid much of the decline of the market in 2008.

Dan has written numerous articles that have appeared in major publications. He has appeared on WJR radio, Fox TV, ABC, and NBC. Dan is a graduate of the University of Michigan, an Eagle Scout and works with non-profit organizations as well as volunteering his time. He has four children, one grandchild and lives in Bloomfield Hills with his wife, Clare.

• Commitment, integrity and dedication to his clients are words that describe Dan Murphy• 28 years of asset management experience• Personalized service and a strict investment discipline are keys to his ongoing investment mgmt. success

UBS Financial Services Inc. • Advisory and Brokerage Services32300 Northwestern Highway, Suite 150 • Farmington Hills, MI 48334

Phone: (248) 932-8000

[email protected]

UBS Financial Services Inc., member SIPC.

Areas of Focus: Managing Individual Portfolios and Retirement Plans for High-Net-Worth Individuals



tHe teAm OF CHArLes nemes And timOtHY rUsH

Beyond the Numbers

in spite of varied careers, vocations and lifestyles, our clients recognize how important it is to have a partner with the depth of experience the Nemes Rush

Private Wealth Management team of Raymond James and Associates has to offer. We provide a range of sophisticated services as diverse as the clients we serve, helping them plan for the lives they lead and futures they envision.

Whether our client is a private investor intent on building a lasting legacy, an owner planning for the life of his or her business, or a professional supporting

both a family and a practice, we can develop a practical financial strategy specific to our clients’ life and their goals.

Combining the insights and abilities of our entire team of financial professionals, we are able to offer an uncommon depth of knowledge and analysis, and an exceptional level of service. Led by Charlie Nemes and Tim Rush, our team possesses a degree of skill refined by more than 40 years of financial services experience.

• Managing clients’ assets and providing highly specialized financial services since 1987• In order to properly serve our clients we have limited our client base to less than 200

27333 Meadowbrook Road, Suite 110 • Novi, MI 48377Phone: (248) 449-5436 • www.nemesrush.com

Left to right: Michelle Retzer, FIVE STAR Wealth Manager Charlie Nemes, Joe Mills, Tim Rush and Maria Coates

Investment Advisory, Estate/Trust Strategies, Long-term Planning (Family Continuity and Wealth Transfer), Risk Management,Strategic Philanthropy, Comprehensive Financial Planning for Physicians, Automotive Executives and conscientious investors



nOrmAn A. PAPPAs

Creative Wealth Strategies for More Than 40 Years – Author of Passing the Bucks: Protecting Your Wealth from One Generation to the Next

these are worrisome realities to any business owner or investor, but we can help you avoid the pitfalls. Our vision for our clients is that they have

financial security in all aspects of their lives. We help them identify goals and get their lives organized in a simple, understandable manner, focusing on four key areas to achieve this vision: the efficient transfer of wealth from one generation to another through effective estate planning and tax funding;

ensuring a successful business transition by developing a detailed business succession plan; helping retain key employees by creating an effective benefits program; helping clients grow and maintain wealth with a disciplined, diversified, balanced investment strategy. With proper planning, you can have the comfort that comes from knowing that the things that matter most — your family, your business, your future — are protected.

• The majority of businesses fail to make it to the second generation• Many people spend their lives building wealth, only to end up losing much of it to estate taxes• Investors have lost untold millions in the last 10 years with traditional buy-and-hold strategies

30301 Northwestern Highway, Suite 200 • Farmington Hills, MI 48334Phone: (248) 539-8282

www.pappasfinancial.com

Comprehensive business succession and wealth transfer planning, group benefi ts, investment and wealth management strategiesDesignations: Chartered Financial Consultant, Chartered Life Underwriter



JAMES F. PETERS, JR. • PAUL J. SIMON TEAM

A Manager for All Seasons

tactical Allocation Group, LLC (“TAG”) is a registered investment advisor located in downtown Birmingham. The founders of TAG, James F. Peters,

Jr. CEO and Paul J. Simon CIO, began their proactive investment management style in 1988 with “fixed income” investments; TAG’s “total return” approach

sought to capture the value added for fixed income principal changes. Today, TAG applies its proactive investment style across 29 asset classes globally.

TAG believes a well-diversified global portfolio, enhanced by tactical asset allocation, can offer investors the most consistent, risk-adjusted return.

• Three ETF Portfolios• Global tactical asset allocation• Five levels of risk management

139 South Old Woodward Avenue • Birmingham, MI 48009Phone: (248) 283-2520 • Toll-free: (800) 780-4824

[email protected] • www.tagllc.netTactical Allocation Group, LLC is a registered investment advisor. All investments involve a risk of loss.

Past performance is not an indication of future results. For more information, call (248) 283-2520.

Left to right: FIVE STAR Wealth Manager James F. Peters Jr., Paul J. Simon

Areas of Focus: TAG serves institutional and high-net-worth clients in both direct and sub-advisory relationshipsDesignations: CFA, CMT, CIMC, CIMA, CFP



WAYne e. PHiLLiPs

An Experienced, Insightful, Personal Approach to Help You Plan, Manage and Preserve Your Wealth Using Fresh Ideas and Solid Values

in today’s world, you need a financial advisor to help you develop a comprehensive financial strategy. Your portfolio is complex. Finding a

financial advisor with the specialized skills to manage it isn’t. Your portfolio has reached the point where it requires a different level of attention. As a result, you need a different level of financial advisor to help you.

Wayne joined Ameriprise Financial in 1996. Being an experienced advisor, he knows that everyone’s financial picture is different. Wayne works with each of his clients to design a custom plan to help them achieve and maintain

what is most important to them. He works with people from across the country and currently holds licenses in 10 states. Wayne is committed to doing all he can to assist you in achieving your financial dreams and life goals whatever your stage in life.

Wayne is involved in the community with service as assistant varsity coach at Renaissance High School and sits on the boards of Benjamin E. Mays Male Academy, Third Eye, Inc., MCOD Scholarship Foundation, Prince Hall Foundation of Michigan, and the Walter P. Harris Foundation.

• Customized, comprehensive long-term financial planning approach• Specialized strategic portfolio design• Working with families and business owners on estate planning strategies

751 West Boston Boulevard • Detroit, MI 48202Office: (313) 867-2332 • Fax: (313) 867-2333

[email protected] • ameripriseadvisors.com/wayne.e.phillipsBrokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not

be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.

Areas of Focus: Financial plans, asset management, retirement income, estate planning strategies, preserve wealth, family securityDesignations: ChFC, CRPC, AAMS, CRPS, AWMA, CMFC



eArL L. rOmAns

Our Business Is Making Companies More Successful and Valuable. We Tackle the Toughest Business Issues.

earl Romans being selected as 2010 FIVE STAR Wealth Manager is a great honor. Our firm has been nationally recognized several times and most

recently as one of the best 150 financial advisors in the country. Our clients enjoy the problem solving abilities of our staff and founder, Earl Romans.

Our highly educated and experienced staff can handle the usual compliance financial reporting and tax matters. We can also solve complicated tax issues and unique financial reporting matters.

Our clients, whether large or small, expect we will make a major impact

on any financial decision. Our unique, comprehensive financial management system interfaces with nearly every decision our clients make. Our opinions, comments and solutions help our clients make the right choices in a very complicated financial world. We are AICPA peer reviewed, which means we provide the highest quality of public accounting services.

Retain us and you will benefit from professionals who are experienced, resourceful, and passionate about the services they perform; the clients they serve; and the results they deliver.

• Wide spectrum of services: individual, corporate, estate and partnership tax reduction strategies, litigation support, personal and corporate goal management, creative debt financing, executive coaching and strategic services

• Industries served: healthcare, manufacturing, professional services, real estate, and construction

earl l. Romans & Company, P.C.24901 Northwestern Highway, Suite 302 • Southfield, MI 48075

Phone: (248) 353-4990, Ext. 1006 • Fax: (248) 353-1166

[email protected] • www.earlromans.com

Left to right: Back row: John Caruana, Steve Thompson, Jeremy McVetyFront row: Cass Beals, FIVE STAR Wealth Manager Earl Romans



sAWCHUK And LAnGenstein teAm

Timely, Expert Advice — Isn’t That What YouExpect From Your Financial Advisor?

Founded in 1997, Sawchuk & Langenstein Wealth Strategies has skillfully guided its clients through two of the most difficult economic downturns

since “The Great Depression.” Rigorous and thorough research suggests that we are still mired in a secular (long-term) bear market. Since 1900, the average secular market trend has lasted between 15 and 20 years. We believe this current secular bear market started in 2000, suggesting that traditional investment strategies like “buy and hold” and “asset allocation” may actually do more harm than good.

With so many obstacles to economic growth, like millions more foreclosures, chronic unemployment, European sovereign debt issues, State and local budget deficits, and a potential asset bubble in China, timely, expert advice has never been more valuable.

Listen to WJR/760 am Sunday mornings at 11:00 a.m. for “Wealth Strategies,” the financial radio show where Terry Sawchuk and Bill Langenstein help you understand how to build wealth, manage economic change, and enjoy the fruits of your success!

• Strive for preservation, protection and performance of assets under management• Unique market and economic insight based on world-class independent research• Portfolios evaluated and adjusted monthly; immediate reporting and constant contact

888 West Big Beaver • Troy, MI 48084Phone: (248) 269-9700 • Toll-free: (866) SAWCHUK

www.SawchukWealth.comSecurities and advisory services offered through SII Investments, Inc. (SII), Member FINRA/SIPC and a registered investment advisor.

Sawchuk & Langenstein Wealth Strategies and SII are separate companies. SII does not provide tax or legal advice.

Left to right: FIVE STAR Wealth Manager Terry Sawchuk and Bill Langenstein

Area of Focus: Retirement PlanningLicenses: Series 6, 7, 24, 63 and 65

AWCHUKLANGENSTEINS&



tHe sCHindLer GrOUP

Making Clients Feel Like Our Only Client

You’ve worked hard to build your wealth. At the Schindler Group, we appreciate that and we are committed to helping you grow and protect

it. We partner with our clients by pursuing a clear focus on their individual financial picture and managing their investments wisely by utilizing non-proprietary, unbiased professional money managers. Senior Partner John Schindler has spent the last 16 years as a financial advisor committed to helping his clients pursue their financial goals. In addition to being a FIVE STAR Wealth Manager, he is a Senior Vice President at UBS and holds a Chartered Retirement Planning Specialist® designation from the College for

Financial Planning®. Financial Advisor Kathy Oliver and Registered Client Service Assistant Farrah McMurray work together with John to offer tax-efficient asset management and comprehensive wealth planning services that include retirement and college planning strategies, insurance reviews, liability management, estate planning and retirement plan consulting. We at the Schindler Group know how busy life can be. With an individualized investment strategy and a wise approach, let us focus on helping you grow and preserve your wealth, so you can focus on enjoying it.

• Financial and estate planning, investment management• Unparalleled service, proactive communication and annual financial checkup• Personalized retirement plan strategies for professionals and physician groups

UBS financial Services inc.325 North Old Woodward Avenue, Suite 200 • Birmingham, MI 48009

Phone: (248) 645-3903 • Toll-free: (888) 239-2701

[email protected] on your needs, we can help you implement your retirement strategies through both our brokerage and advisory capabilities.

Neither UBS Financial Services Inc. nor any of its employees provide legal or tax advice. You should consult with your personal legal or tax advisor regarding your personal circumstances.

Left to right: Kathy Oliver, FIVE STAR Wealth Manager John Schindler, Farrah McMurray

Areas of Focus: Comprehensive fi nancial planning, fee-based wealth managementDesignations: John M. Schindler, Senior Vice President – Investments, CRPS; Kathy Oliver, Financial Advisor; Farrah McMurray, CSA



seCUre PLAnninG strAteGies teAm

Helping You Build an Extraordinary Future

do you have a vision for your future? For more than 25 years, Minoti Rajput, founder and president of Secure Planning Strategies (SPS),

has dedicated the firm to assist select clientele in building their futures and protecting their legacies through extensive estate and financial planning. Recognized as experienced, dedicated independent wealth managers, Minoti and Senior Advisor, Mehul Mistry, help their clients to make intelligent financial decisions with their straightforward approach utilizing multiple investment

management strategies and style diversification. They firmly believe in coordinating their clients’ investments with their estate planning. Mehul is committed to overseeing families’ generational planning. Minoti is passionate about empowering women to protect their financial futures and compassionate in her personal quest to help special needs children and their families. Secure Planning Strategies is your experienced partner in conforming the complexities of your financial life to fit your needs today, tomorrow and into the future.

• Comprehensive estate and financial planning to preserve your wealth and protect your legacy• A strong advocate of financial education and empowerment for women in all circumstances of life• Estate and financial planning for families with special needs children

40 Oak Hollow, Suite 315 • Southfield, MI 48033

Phone: (248) 827-2580 • Fax: (248) 827-2790

www.rajputsps.comMinoti Rajput and Mehul Mistry offer securities through Securities America Inc., Member FINRA/SIPC and advisory services through Securities America Advisors.

Secure Planning Strategies and Securities America Companies are not affiliated. Securities America and its representatives do not offer tax or legal services. Investing involves risk including loss of principal.

Left to right: FIVE STAR Wealth Managers Minoti H. Rajput and Mehul S. Mistry

Areas of Focus: Wealth Management, Generational/Retirement Planning, Financial Planning/Education for Women, Special Needs FamiliesDesignations: Minoti H. Rajput, CFP® and Mehul S. Mistry, CFP®; Certi� ed Financial Planners



tHe LOt t sHetH FArBer sAssOn GrOUP

Lives Change. Needs Change. Markets Change. Values Endure.

Building on a steadfast commitment to develop trust-based relationships and deliver unparalleled customer service, The Lott Sheth Farber Sasson

Group has been working collaboratively with clients for three decades to create comprehensive, customized wealth management and preservation strategies. Clients of The Lott Sheth Farber Sasson Group value the firm not only for personal service and practical advice, but also for our keen ability to combine advanced estate and legacy planning tactics, along with traditional asset management services, to craft sound financial strategies

that maximize value and minimize risk. We’ll do the same for you. UBS, a leading global wealth manager and one of the largest global asset managers, serves a diverse client base that includes affluent individuals and families, corporations, institutions and governments. From traditional banking to financial planning and wealth management services, The Lott Sheth Farber Sasson Group has a broad array of resources at its command to help clients pursue and achieve their goals.

• Proactive and forward-thinking wealth planning• Customized, goal-based financial planning• Independent, unbiased and objective advice

325 North Old Woodward Avenue, Suite 200 • Birmingham, MI 48009Phone: (888) 262-4803

[email protected] • [email protected] • [email protected] • [email protected] • http://www.ubs.com/team/lsfsgroup

Left to right: Front row: Albert A. Sasson, FIVE STAR Wealth Manager Sidhdharth D. Sheth, FIVE STAR Wealth Manager Anthony R. Lott; Diane S. Farber

Middle row: Veronica L. Horn and Karen A. Warner Back row: Ryan J. Paschen and Terence A. Palleschi

Areas of Focus: Comprehensive wealth management through goal-directed asset management and fi nancial planningDesignations: Certi� ed Investment Management Analyst®, Certi� ed Financial Planner®, Chartered Retirement Planning Counselor



smitH & AssOCiAtes

Our Values: Service • Wisdom • Integrity • Teamwork

Our team continues to grow our reputation for knowledgeable, ethical and personalized advice with outstanding client service. We are passionate about

helping our clients plan to succeed, simplifying their busy lives allowing them to be more productive while providing peace of mind through financial planning.

Our capacity to enrich more lives has grown. Are you completely happy with the financial advice you’ve been getting the past couple years? If not, can you see the wisdom of at least getting a second opinion at this point? Do you know exactly how much money it’s going to take for you to retire comfortably and remain comfortably retired? If you do not, would you like us to sit with you to figure that out, and

understand there would be no cost to do so; or any obligation? One of the hallmarks of our continuing success is our team’s ability to address each client’s unique life planning goals for every stage of their lives. Give us a call. Let us treat you to a cup of coffee, at your favorite place.

Last, certainly not least, we want to express our gratefulness to our clients who favorably evaluated us for this honor. Your continued business, support and loyalty are not taken for granted. You remain in our hearts and minds, thank you. — Tom Smith, Financial Advisor and Amy L. Smith, Senior Financial Advisor, an Ameriprise Platinum Advisory Practice.

• Our mission is to improve the lives of our clients by developing inter-generational planning relationships that align actions with their dreams, goals and values.

Smith & Associates • A financial advisory practice of Ameriprise Financial Services, Inc.26200 Town Center Drive, Suite 250 • Novi, MI 48375

Phone: (248) 349-4540

[email protected] • [email protected] • ameripriseadvisors.com/amy.l.smithBrokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not

be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.

Left to right: FIVE STAR Wealth Managers Amy Smith and Tom Smith

Areas of Focus: Comprehensive approach, wealth management, distribution strategies, estate and charitable planning strategiesAmy: Chartered Retirement Planning Counselor; Tom: Certified Financial Planner professional, Certified Life Underwriter and Chartered Financial Consultant



WeLLs FArGO AdvisOrs COnGrAtULAtes

Troy’s Most Admired Investment Professionals

Working with us, you have someone who takes the time to listen and understand your needs, helps you clarify your goals, and takes

seriously the safety and security of your money and investments.You can expect the service and attention of dedicated, experienced financial

advisors and the support and resources of a world-class financial institution which has a reputation for strength, integrity and client satisfaction since 1852.

Stephen W. Green, Vice President – Investments, Financial Advisor

Troy M. Yaldoo, CFP®, Senior Vice President – Investments, Financial Advisor

John r. Weisgerber, Senior Vice President – Investments, Financial Advisor

James B. White, AAMS, Associate Vice President – Investments, Financial Advisor

Daniel K. Battjes, AAMS, Financial Advisor

• In-depth analysis of your investments, intelligent financial solutions, and regular feedback on your portfolio• Asset management services utilizing diversified risk-managed strategies• Lending products including mortgages, home equity loans, and securities-backed lines of credit

2401 West Big Beaver Road, Suite 600 • Troy, MI 48084 • Phone: (248) 649-9944 • Toll-free: (800) [email protected] • [email protected] • [email protected]

[email protected] • [email protected] rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the advisor’s clients. The rating is not indicative of the advisor’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC,

Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 0410-0539 04/07/2010]

Left to right: FIVE STAR Wealth Managers Stephen W. Green, Troy M. Yaldoo, John R. Weisgerber, James B. White and Daniel K. Battjes

Areas of Focus: Wealth Management, Retirement and Estate Planning StrategiesTrusted Advice • Exceptional Service



dAvid B. WHite

Serving God, Serving Others and Serving You

Whether serving on the board of a Christian organization, or providing concerned investors with direction in their investments, David B. White

works to fulfill a plan — God’s plan. Active in his church and community, and sharing his extensive experience in tax, accounting and law, David B. White understands the greater purpose of building wealth to last: to positively impact the world and future generations. Drawing from his broad background, David B.

White can coordinate all aspects of his clients’ financial plans. David uses “safe” money strategies and non-market correlated investments to shelter his clients from the uncertainties of today’s market. The money you can’t afford to lose should be managed carefully and according to your risk tolerance, without sacrificing your personal values, lifestyle or income. If you’re looking for a financial planner who lives and works by this eternal philosophy, you’ll enjoy meeting David B. White.

• 2008, 2009 Broker of the Year – Centaurus Financial• Fully licensed registered representative in 22 states• Referral-based business from professionals and satisfied clients with 25 years of experience

40900 Woodward Avenue, Suite 270 • Bloomfield Hills, MI 48304Phone: (248) 540-7339

www.davidwhitefinancial.com

Securities offered through Centaurus Financial, Inc. Member FINRA and SIPC.

Top Row: FIVE STAR Wealth Manager John E. Tryon, Sue Reas, Jon Fluetsch, Glenn J. White, Ryan FluetschBottom Row: Denise Brys-Megge, FIVE STAR Wealth Manager David B. White, Lori Grush

Areas of Focus: Personalized, Comprehensive Financial PlanningDesignations: JD, CPA, CLU, ChFC



tHe AGOstA GrOUP OF WeLLs FArGO AdvisOrs

• Regular face to face meetings with our clients is our foundation• Unbiased advice is delivered with accuracy and integrity• Approach to portfolio design enables our clients to avoid financial mistakesRetirement planning inclusive of transition and management, retirement income

planning, estate preservation, portfolio management, tax minimization strategies

Managing Relationships With Wisdom, Trust, Integrity

Our passion lies in helping our clients succeed, making their lives easier. It’s critical that we listen to our clients and ask the right questions. This enables us to apply the

appropriate recommendations. Open, informative and face-to-face communication is the cornerstone of our practice. Founded in 1987, The Agosta Group’s goal is to build lifelong relationships with our clients utilizing the highest standards of quality, trust and integrity. Anthony Agosta: Certified Financial Planner, Chartered Retirement Planning Counselor, First Vice President – Investments; Jeffery Adams: Chartered Retirement Planning Counselor, Financial Consultant; Samara Batres: Client Associate.

wells fargo advisors, llC255 East Brown Street, Suite 400 • Birmingham, MI 48009

Phone: (248) 433-8588

[email protected] rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the adviser’s clients. The rating is not indicative of the adviser’s future performance. See the announcement

page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [0410-07938 & 4/15/10]

Left to right: Left to right: Jeff ery Adams, Samara Batres,FIVE STAR Wealth Manager Anthony Agosta

Left to right: FIVE STAR Wealth ManagersNorton Stern and Mark Burns

BUrns investment GrOUP

• Asset management and family wealth management• Corporate and institutional services• Endowments/foundations and nonprofit organizationsAsset Management, Financial Planning, Institutional ConsultingDesignations: CFP, CIMA

Choose Experience and Integrity

F inancial Advisors Mark Burns and Norton Stern provide exceptional value to their clients by employing proven disciplines they have learned over their 65 years of combined experience. A

detailed and ongoing understanding of each client’s individual needs, hopes and dreams have resulted in friendships and relationships with their clients that they are proud to experience everyday.

They have also developed an experienced team of professionals that specializes in providing objective advice and sound investment strategies to families, business owners and their companies, and trustees of foundations, endowments and other nonprofit endeavors in a comfortable personal and professional relationship.

27555 Executive Drive, Suite 175 • Farmington Hills, MI 48331Phone: (248) 553-4500 • Toll-free: (888) 363-4546

www.bigplanning.comThe rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of

all, of the adviser’s clients. The rating is not indicative of the adviser’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Investment products and services are offered through

Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. Burns Investment Group is a separate entity from WFAFN. [0310-1984 03/2010]



rHOndA BYer

• More than $12 trillion sits in money market funds, CDs and savings accounts.1 That represents nearly 100% of the entire U.S. stock market!2

Area of Focus: Financial independence for middle income familiesTitle: Sr. National Sales Director

A True Wealth Builder

Primerica representatives like Byer help families learn crucial financial concepts including the Rule of 72, the Power of Compound Interest and Dollar-Cost Averaging.2 They use

these concepts to help their clients make the most of their money and secure their futures. It’s their mission to help families become properly protected, debt free and financially independent. Byer has been with Primerica for more than 27 years. Over that time, she’s seen her clients’ financial needs change dramatically. “When we came into this business in the ‘80s we were determined to help people adjust their insurance and put a little away for the future,” she said. “But now, the financial crisis has strapped people and made them look for a company they can trust.” Byer feels that company is Primerica. We offer a complimentary, confidential, financial needs analysis.

Primerica31313 Northwestern Highway, Suite 209 • Farmington Hills, MI 48334

Phone: (248) 626-5553

[email protected] • www.primerica.com1 InvestmentNews, February 12, 2010 ,“Advisors need to get their clients back in the game”

2 Dollar-Cost Averaging does not assure a profit or protect against a loss. Investors should consider their ability to continue investing in a declining market.

Kevin t. FernHAdsOn

• Financial planning• Income tax planning strategies• Retirement planning strategiesDesignations: J.D., CMFC® and CRPC®Kevin T. Ferhadson, Senior Financial Advisor

Our Advisors. Your Dreams. MORE WITHIN REACH.™

Are you looking for ways to plan for your financial goals in today’s volatile market? Whether you’re saving for retirement, college for your kids, home improvement, travel, or other

needs and dreams, you may be unsure about what to do next or whether you can do anything at all. That’s where I can help. I’ll take the time to listen and understand your goals, and help you build a plan to get back on track toward reaching them. Working together, we will work to find investing opportunities in today’s uncertain market that are aligned with your financial goals. That’s why now, more than ever, you need a plan.

26777 Central Park Boulevard, Suite 350 • Southfield, MI 48076Phone: (248) 827-1230, Ext. 216

Fernhadson & Associates, A financial advisory practice of Ameriprise Financial Services, Inc. Brokerage, investment and financial advisory services are made available

through Ameriprise Financial Services, Inc. Member FINRA and SIPC.



JeFFreY r. GrAnt

• Independent, innovative and proactive in managing wealth• Relationships built on trust, integrity and objective advice• Team approach with multiple perspectives and individual specialtiesAreas of Focus: Wealth Management, Investment Solutions, and Estate PlanningDesignations: Senior Managed Accounts Consultant, CRPS

Providing Insight with the Value of Experience

the Grant Wealth Management Group has the expertise to counsel clients on wealth and retirement planning, strategic and tactical asset allocation, investment consulting, credit

and lending, and estate planning strategies.Our clients include high-net-worth individuals, families, businesses, retirement plans and

non-profits.

The Grant Wealth Management Group – UBS Financial Services Inc.2301 West Big Beaver Road • Troy, MI 48084

Phone: (248) 649-7573 • Toll-free: (877) 716-6642

[email protected] • www.ubs.com/team/grantwmgroupLeft to right: Seated: Gloria Grant and Colleen Boggess

Standing: FIVE STAR Wealth Manager Jeff Grant and Hugh Blake-Thomas

HArrinGtOn-WeAver FinAnCiAL GrOUP

• Defining your goals is vital to long-term investment success• We will help you construct a disciplined investment portfolio• Every client situation is uniqueAreas of Focus: Investments, wealth management planning, and estate planningDesignation: Vice President – Investments

Providing a Personalized Approach

there are valuable investing lessons to be learned, and applied, from the recent market turmoil. Using a disciplined approach to investment portfolio construction is something

that can create stability in one’s portfolio.To further enhance stability and to be confident that the chosen investment plan is suited

to personal needs and circumstance, we help our clients with the formulation, implementation and monitoring of a financial plan.

UBS financial Services, inc.2301 West Big Beaver Road, Suite 800 • Troy, MI 48084

Phone: (248) 649-7559 • Toll-free: (877) 896-7193

[email protected] • [email protected] planning services are provided in our capacity as a registered investment adviser. As a firm providing

wealth management services to clients in the U.S., we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services,

please speak with your financial advisor or visit our website at www.ubs.com/workingwithus.Neither UBS Financial Services, Inc. nor any of its employees provide legal or tax advice. You should

consult with your personal legal or tax advisor regarding your personal circumstances.

Left to right: FIVE STAR Wealth Managers Dean Weaver and Keith Harrington



HHH ACCOUntinG serviCes GrOUP

• Timely, professional, and personalized service• Accessible to our tax clients year round• Commit our resources to helping our communityAreas of Focus: Accounting, Bookkeeping, Consulting, Payroll, and TaxDesignations: Paris L. Hodge, CPA; Laura E. Howard, MST

Efficient • Practical • Professional

We pride ourselves on providing high quality accounting, tax, and consulting services to individuals, small to medium size businesses and non-profit organizations. We work

hard to provide special care and respect of our clients’ individual needs. Through a long-term commitment to our mission, we will be known as a company that is caring of our customers and our community.

hhh accounting Services87 East Canfield, Suite 5700 • Detroit, MI 48201

Phone: (313) 577-8411

[email protected] • www.hhhaccountingservices.com

Standing: FIVE STAR Wealth Manager Laura HowardSitting: Paris Hodge

Left to right: FIVE STAR Wealth Manager Thomas J. Jacobs and Cody P. Dawson

tHe JACOBs GrOUP

• Integrity• Experience• Personal attentionFocus: Tax-Free and Tax-Favored Income, Retirement and Estate Planning, 401k Plans

Thomas J. Jacobs • Cody P. Dawson

the Jacobs Group understands that your business and your life are intertwined — your business is, most likely, the single biggest asset of your life.

Knowing this significance, we are dedicated to assisting you in the growth and success of your business, as well as your personal finances.

With a combined 90-plus years of experience, we concentrate on meeting the needs of high-net-worth individuals and their families. Our foremost goal is for you and your family to enjoy wealth without worry.

40701 Woodward Avenue, Suite 200 • Bloomfield Hills, MI 48304

Tom: (248) 723-1813 • Cody: (248) 723-1891

[email protected] • [email protected] • www.fa.smithbarney.com/jacobs




dAnieL KrUG & AssOCiAtes

• Goal-oriented, team-directed, wealth management strategies• Estate planning to help minimize taxes and expenses• Comprehensive tax reduction planning and tax preparationStrategic Alliance with Law Offi ces of Sills, Charboneau and Barnett and Filak CPA

Group PC

Relationship-Based, Client-Centered Wealth Management

daniel M. Krug has brought together a team of professionals dedicated to comprehensive, client-centered financial planning. Daniel M. Krug leads a strategic alliance comprised

of estate planning attorney, Neal J. Barnett, along with the tax knowledge of James R. Filak CPA and Brenda Giegler CPA. Our clients’ goals are achieved through personal financial planning, custom wealth management solutions, tax reduction and wealth transfer strategies. Our philosophy for wealth management is to help preserve our clients’ capital first, then, actively manage their portfolios in an attempt to optimize income and growth. So come to our office — we will greet you with a fresh cup of coffee and a genuine, warm smile. Relax and let us take care of you.

8040 Ortonville Road, Suite D • Clarkston, MI 48348Phone: (800) 471-9080 • Fax: (248) 625-7432

[email protected] • www.mydkna.comSecurities offered through Sigma Financial Corporation, member FINRA/SIPC.

Investment Advisory Services offered through Sigma Planning Corporation, a registered investment advisor.

Left to right: Front row: Brenda Giegler,FIVE STAR Wealth Manager Daniel M. Krug,Back row: Rocky Istvan and Neal J. Barnett

JAmes B. KrUZAn

• Comprehensive retirement wealth solutions for automotive employees• Highly personalized services, executable advice and careful follow-up• Strategic and tactical portfolio and risk management solutionsAreas of Focus: Retirement planning, portfolio and risk management servicesDesignations: CFP®, Chartered Retirement Planning Counselor (CRPC®)

Retirement Planning for the Extended Auto Industry

the “Motor City” has been hit with an unprecedented downsizing of the extended auto industry, leaving numerous Michiganders with serious concerns and unresolved questions

about their financial future.Jim Kruzan and his staff at Kaydan Group, Inc. have the educated skill set to “dive deep” and

provide meaningful solutions to a wide range of retirement and early retirement issues.As an independent advisor with 27 years of experience, Jim is able to offer truly objective,

unbiased and comprehensive retirement solutions.

6467 Waldon Center Drive, Suite 110 • Clarkston, MI 48346Phone: (248) 625-2993 • Toll-free: (800) 638-6900

[email protected] • www.kaydangroup.com

Kaydan Group is an independent firm. Securities offered through Raymond James Financial Services, Member FINRA/SIPC. FIVE STAR historical results are based on the experiences of consumers

surveyed. “Past performance does not guarantee future results. Your experiences may vary.”



KOerBer-O’COnnOr FinAnCiAL GrOUP

• A partner with proven financial services proficiency and knowledge• Independent and objective investment advice• 61 years of collective experienceAreas of Focus: Separately Managed AccountsChartered Financial Analyst, Senior Portfolio Managers, Portfolio Mgmt. Program

Professional Portfolio Management

A t the Koerber-O’Connor Financial Group, we understand the unique challenges that come with managing wealth. Since our inception, we have provided investment management

for clients through a wide range of market conditions. This track record of experience continues to guide our prudent approach and long-term perspective. We bring knowledge related to every aspect of a client’s wealth: from accumulation and growth through preservation and distribution. By taking a proactive approach that reflects the nuances and complexities of each situation, we continue to build trusted relationships.

2301 West Big Beaver Road, Suite 800 • Troy, MI 48084 Phone: (248) 643-9200 • Toll-free: (800) 446-0311

[email protected] • [email protected]

Left to right: Seated: Colleen Boggess and Randi LevyStanding: Keith Koerber and

FIVE STAR Wealth Manager Patrick O’Connor

J-tHAddeUs P mCGAFFeY

• Proactive, thorough and detailed service• Financial planning with a focus on long-term relationships• Lifetime and legacy planning — today, tomorrow and beyondAreas of Focus: Comprehensive Wealth, Investment, Retirement and Legacy

Planning

A Personal, More Meaningful Approach to Planning

Your financial plan is about more than just money — it’s about you and your dreams. That’s why I believe success should be measured not just by your financial well-being, but by how

confident you feel about your future. You are not your neighbor. What works for others may not work for you. I work with clients to provide a combination of investments and advice tailored to meet their changing financial needs, with a broad selection of investment choices designed to help achieve long-term success. Real relationships, real service, knowledgeable advice — that’s what I do — that’s a personal, more meaningful approach to planning!

500 West Main Street, Suite 100 • Brighton, MI 48116Phone: (810) 360-0854

[email protected] • www.ameripriseadvisors.com/j-thaddeus.p.mcgaffeyBrokerage, investment and financial advisory services are made available through Ameriprise Financial

Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.



GLen t. miLLiGAn

• Retirement planning for individual and business clients• Strategic and tactical portfolio management• Coordination with other professionals for a comprehensive approachAreas of Focus: Retirement planning, investment management, estate planning

Quality • Consistency • Experience

in today’s world, you need a personal financial advisor to develop a comprehensive financial strategy. I use my 25 years of experience with a wide range of financial products and services

to offer creative solutions to life’s complicated issues.I am honored to be named to this group of wealth managers and thank our clients for their

business and support.

39209 Six Mile Road, Suite 160 • Livonia, MI 48152Phone: (734) 542-4500 • Toll-free: (800) 504-5700

[email protected] • ameripriseadvisors.com/glen.t.milligan

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

tHe nOWAKOWsKi teAm

• Focus on personalized strategies tailored to clients’ goals• Retirement-accumulation and income strategies• Client-centered approach to planningAreas of Focus: Retirement planning and income strategies, wealth managementDesignations: Chartered Retirement Planning Counselor, CFP

Customized Solutions for Your Financial Future

the Nowakowski Team mission is to provide our clients with a professional investment and planning experience that consistently delivers high-quality advice that improves our

clients’ lives. We develop a comprehensive plan with our clients and execute it in a disciplined and thoughtful manner.

UBS financial Services inc.2301 West Big Beaver Road, Suite 800 • Troy, MI 48084

Phone: (248) 649-7515 • Toll-free: (877) 447-9285

[email protected] • www.ubs.com/team/nowak

UBS Financial Services Inc., member SIPCLeft to right: James A. Nowakowski, Clare A. Mangiapane,

FIVE STAR Wealth Manager Kevin J. Nowakowski



ANDREW PERRI • AARON VERANT TEAM

• Should I be invested for growth or principal protection?• Will my life savings last as long as I do?• Does my advisor have a strategy if conditions change?Areas of Focus: Fee-Based Active Portfolio Management and Alternative InvestmentsDesignations: RFC, CWS and CPA

Asking the Right Questions:

For more than 14 years we have successfully helped our clients develop and plan for their financial goals. We understand that a financial game plan is much more than just numbers,

it entails your hopes, your dreams and your aspirations.We recognize that life and financial markets are unpredictable, demanding that your financial

and investment strategies evolve as changes occur. Let us help you feel more confident with regular checks on the health of your wealth. We’ll be there for you, your family and your financial future no matter what life throws your way.

4763 South Old US 23, Suite D • Brighton, MI 48114Phone: (810) 220-6322 • Toll-free: (800) 650-6322

www.pinnaclewealthonline.com

Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS) Member FINRA/SIPC. Pinnacle Wealth Management is independent of BFCFS. [0310-1984 03/2010]

Left to right: Five Star Wealth Manager Andrew Perriand Aaron Verant

WALter J. POWrOZeK

• Independent: Providing unbiased, objective advice.• Customized: Financial planning is not “one size fits all.”• Solutions: “Open architecture” of investment possibilities.Areas of Focus: Rollover IRAs, 401(k), 403(b), Profit Sharing Accounts; Small Business Owners; Automotive,

DTE and Healthcare employees and retirees; Widows and Divorcee Investment Planning

Your Personal Wealth Manager — Experience and Advice

Walter J. Powrozek, Certified Wealth Strategist professional, began in the financial services industry 15 years ago and has developed his business into a four-member financial

advisory team.Walter’s work ethic is focused, powerful and based on the value of collaboration and problem

solving. He works side-by-side with you, taking the time to understand your individual goals and the dreams that you have for yourself, your family and your future.

From years of listening to his clients, Walter has developed a practice focused on specific individual needs and truly enjoys the client relationship. Walter considers taking care of you a privilege and prides himself on being your personal financial advocate.

41160 Ten Mile • Novi, MI 48375Phone: (248) 442-2323 • Toll-free: (877) 557-4462

[email protected] • www.123RetirementPlanning.com

Securities offered through Sigma Financial Corporation, Member FINRA/SIPC.



rOBinsOn COnneLL GrOUP

• Straightforward advice• Clear, plain-English strategies• Exceptional serviceDesignations: Mark Robinson, CIMA®, AIFA®; Bill Connell, Branch Manager

Unique Signature Portfolios for Every Client

Can you answer three questions about your investments? Where am I? Why am I there? And how am I doing? If you can’t answer these basic questions, you’re not getting the

advice, the planning or the communication you need to say you’re in control.The Robinson Connell Group brings a no-nonsense, business-like approach to the

management and oversight of your investments: We manage your risk, position you for acceptable returns, measure your success, and explain our actions.

Bottom line: We give advice and a plan, you get answers and control.Whether your assets are measured in thousands or millions, the Robinson Connell Group

provides straightforward financial advice and clear investment strategies.

Robinson Connell Group of wunderlich Securities19500 Victor Parkway, Suite 290 • Livonia, MI 48152

Phone: (248) 723-7480 • Toll-free: (866) 340-7382

[email protected] • www.wunderlichsecurities.com

Wunderlich Securities, member FINRA, SIPCLeft to right: Mark Robinson, Kathy Miller and

FIVE STAR Wealth Manager Bill Connell

mAriAn rOtH

• Investment management and tax strategies• Cash flow and retirement distribution management• Wealth preservation

Roth/Vigh Wealth Management

Few people get to go to their “dream job” everyday. Not only is this mother/daughter team able to work together, they have had the pleasure of building client relationships for more

than 20 years. Recent turbulence in the markets has made it easy for clients to sit on the sidelines and wait until things get better. It has been our goal to keep clients optimistic and on track to reach their financial goals and to take an active part in the process.

Every client is provided a customized investment solution. We take pride in the fact that the majority of our new relationships are referrals from existing clients.

UBS financial Services, inc.Roth/Vigh wealth Management team

32300 Northwestern Highway, Suite 150 • Farmington Hills, MI 48334Phone: (800) 553-1407

[email protected] • [email protected] to right: Wendy Vigh and

FIVE STAR Wealth Manager Marian Roth



MICHAEL W. LAU • JOHN P. SICKLESTEEL

• Retirement income and asset accumulation strategies• Advice for individuals on corporate retirement plan options• Generational wealth transfer planningMichael Lau, CIMA, Vice President – Investments, Wealth AdvisorJohn Sicklesteel CFP, CIMA, Vice President – Investments, Wealth Advisor

Providing Advice and Guidance to Last Your Lifetime

the experience, education and knowledge that our team brings has allowed us to proudly take advantage of UBS’s global capabilities and deliver them to our clients. Wealth planning

is the cornerstone of our relationship. Areas of focus are risk management strategies, estate planning, insurance needs, retirement income and college funding. Leveraging the capabilities of our team, which also includes Candy Majer and Bev Keast, allows us to provide the highest level of service and accessibility to clients in Michigan and around the country.

2301 West Big Beaver Road, Suite 800 • Troy, MI 48084Phone: (248) 643-9200 • Toll-free: (800) 446-0311

www.ubs.com/team/lsgroupLeft to right: FIVE STAR Wealth Managers

Michael Lau, John SicklesteelBack row: Candy Majer and Bev Keast

stm WeALtH mAnAGement GrOUP

Paul A. Toby, Senior Vice President – InvestmentsMichael R. Schinella, Senior Vice President – InvestmentsPaul J. Monacelli, financial advisorKyrstin Ritsema, Registered Client Service AssociateJoyce Ra� erty, Client Service Associate

The STM Wealth Management Group is comprised of:

the STM Wealth Management Group is your gateway to personalized and systematic financial planning. Utilizing more than 50 years of combined experience in the financial

services industry, the STM Wealth Management Group takes a full inventory of their clients’ goals and resources; developing a customized financial plan that utilizes a sound and practical investment strategy. Their extensive experience working with medical and legal professionals and employees/retirees of the automotive and telecommunications industries allows them to be an asset to your future.

the StM wealth Management Group2301 West Big Beaver Road, Suite 800 • Troy, MI 48084

Phone: (248) 637-0274 • Toll-free: (800) 446-0311 • Fax: (248) 822-3342

www.ubs.com/team/stmwmgroupLeft to right: Paul J. Monacelli,

FIVE STAR Wealth ManagersPaul A. Toby and Michael R. Schinella



mAt tHeW sWeGLes

• Financial and investment planning• Risk management and income management• 401k rollovers and IRA evaluationAreas of Focus: Retirement income strategies, insurance and estate solutions Designations: Senior Vice President – Investments, AAMS™ AIF®

Comprehensive Financial and Wealth Planning

matthew Swegles works with a team of on-site specialists to create, implement and monitor personalized financial and wealth management plans. The team approach to

financial management provides each client with a collaboration of professionals dedicated to guiding them through complex financial, investment and estate issues. Risk management and tax efficiency are emphasized as the team helps clients pursue their goals. Please call Matthew today for a complimentary review of your current plan.

39400 Woodward Avenue • Bloomfield Hills, MI 48304Phone: (248) 645-4114

[email protected] Securities, Inc., member FINRA/SIPC. Securities offered by Comerica Securities, Inc. are NOT FDIC insured,

are not deposits or other obligations of or guaranteed by Comerica Bank or any of its affiliates, and are subject to investment risks, including possible loss of the principal invested. Comerica Securities, Inc. is a broker/dealer, member

FINRA/SIPC and a subsidiary of Comerica Bank. Comerica Securities, Inc. is also a federally Registered Investment Advisor. Comerica Securities, Inc. does not provide tax advice. Please consult a tax advisor regarding your situation.

Front center: FIVE STAR Wealth Manager Tim HerbertBack row left to right: Brian Herbert, Scott Torosian,

Deanna Walcott, Sarah Somers-Jelinek

timOtHY HerBert FinAnCiAL GrOUP

• Comprehensive wealth management strategies• Highly personalized service that suits your unique needs• Independent professionals committed to your objectivesArea of Focus: Retirement planning for automotive employees and retirees

Guidance You Can Trust

A t Timothy Herbert Financial Group, their vision is to be respected by their clients for their professional knowledge, integrity and exceptional service. Their mission is to

form long-lasting relationships with their clients so that they may assist them in reaching their wealth management objectives. Timothy Herbert Financial Group has been successfully serving individuals and small businesses since 1985 with special expertise in assisting automotive employees with retirement. They listen to their clients’ needs in order to provide recommendations based on their best interest.

2701 Cambridge Court, Suite 525 • Auburn Hills, MI 48326Phone: (248) 648-8598 • Fax: (248) 648-8599

[email protected] • www.timothyherbert.com

Securities offered through Centaurus Financial, Inc., a registered broker/dealer and a member of FINRA, SIPC. This is not an offer to sell securities, which may be done only after proper

delivery of a prospectus and client suitability has been reviewed and determined.



Kevin m. vAndYKe

• Named 2009 Top 100 Independent Advisors in the country*• Nominated for 2010 Boomer Market Advisor’s Advisor of the Year award• Nominated for Outstanding Advisor award by Registered Rep. magazineSpecializations: Retirement planning, portfolio management and tax planning

provided by a team of registered representatives and accountants

An Advisor Focused on Your Needs

now, more than ever, people are concerned about their financial health. In today’s complicated economic climate, vital decisions to your security should not be left to chance.

Kevin VanDyke prides himself on providing clients with personalized, sound financial advice. Over the years, Kevin has held educational workshops for thousands of local residents, steering our community through the ins and outs of investing.

As an independent advisor, Kevin sets the highest of standards and integrity in preparing a custom-tailored investment strategy to suit your personal needs.

200 East Long Lake Road, Suite 170 • Bloomfield Hills, MI 48304Phone: (248) 593-5323 • Fax: (248) 593-1248

[email protected] • www.BloomfieldHillsFinancial.com

Securities and advisory services offered through SII Investments, Inc. (SII), Member FINRA/SIPC and a Registered Investment Advisor. SII and Bloomfield Hills Financial are separate and unrelated companies. SII does not provide tax

advice. *“America’s Top 100 Independent Advisors 2009” as published in Registered Rep. magazine November 2009.

riCK WeinermAn

• Serve first, last and always philosophy in partnering with my clients• Asset preservation and protection strategies• Full spectrum of financial products to meet your needsAreas of Focus: Comprehensive Wealth, Estate and Legacy Planning

Helping My Clients With Their Financial Dreams

Our relationship begins with my focusing on what is important to you — your family, your goals, your vision and your values. I have been in practice for more than 30 years

with the same firm and my mission is to ensure that you have clarity for the objectives you want to achieve. I partner with top resources around the country who are able to help me deliver unparalleled advice and solutions. I work with your other advisors to make sure that all of your planning is totally coordinated. Together, we become the best stewards of wealth for you and your family.

1000 Town Center, 26th Floor • Southfield, MI 48075Phone: (248) 948-5122

[email protected] • www.sagemarkmi.com

Securities offered through Lincoln Financial Advisors Corp., a broker/dealer (SIPC). Advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. CRN 201004-2040684



BetH A. ZiLKA At BArOn WeALtH

• Independent advisors providing comprehensive objective advice• Tax-sensitive planning to minimize income and estate taxes• Full knowledge of company benefits for financial plan integrationAreas of Focus: Comprehensive Financial Planning, Investment, Retirement, Tax,

Estate and Insurance Planning, Corporate Compensation and Bene� ts

One Focus, Doing What is Right for Clients

G iven the current economic climate, many are wondering if their financial plan is sufficient to ensure a secure future. Having worked with CEOs, CFOs and other top executives of

Fortune 500 companies, we have obtained a knowledge few planners possess. Whether you are focused on accumulating wealth, protecting that wealth, or distributing your wealth to heirs or charitable organizations, we have the expertise to serve you. We often find clients do not fully consider how decisions in one planning principal might affect another. At Baron, we focus on coordinating all of these activities.

100 West Big Beaver Road, Suite 200 • Troy, MI 48084Phone: (248) 619-1787 • Fax: (248) 251-0160

[email protected] • www.baron-wealth.com

miCHAeL J. WeLCH

• More than 48 years of combined financial services experience• Investment mgmt. for individual, business owner and non-profit clients• Provide customized, objective solutions to your financial needsDesignations: Managing Director, Senior Investment Consultant, CRC

Experience • Integrity • Trust • Competence

m ike works closely with individuals, retirees, professionals and business owners to evaluate their needs and provide them with creative solutions. Before any recommendation is

made, Mike gives attention and extensive analytical work to a client’s time horizon, risk profile, income needs, tax situation, estate and wealth transfer goals.

Through continuous education that includes Wharton School and University of Chicago, Mike strives to provide sound, unbiased advice. This is communicated regularly, good times or bad, building meaningful long-term plans and relationships that you and your family can depend on.

Robert w. Baird & Company, inc.300 Park Street • Birmingham, MI 48009

Phone: (248) 594-9959 • Toll-free: (888) 594-9959

[email protected]

Left to right: FIVE STAR Wealth Manager Michael J. Welchand Ann M. Joyce



JOsHUA m.BArrOn

JMB financial Services1301 W Long Lake Rd., Ste. 340

Troy, MI 48098

Phone: (888) 851-8137

[email protected]

Helping Create and Protect Wealth

Josh would like to thank his clients for this honor and their continued trust. Josh is an independent financial advisor who provides families

and businesses objective and personalized advice. He employs a variety of investment strategies to help clients create, protect and transfer wealth. Josh has appeared as a financial expert on television and radio, and he has been featured in numerous publications.

Securities and advisory services offered through LPL Financial, Member FINRA/SIPC

• Custom investment, insurance, and tax strategies• Retirement and income distribution planning• Personalized financial plansAreas of Focus: Financial planning, investments, and insurance solutionsDesignations: JD, AIF

LinABOWmAn

Comprehensive Wealth Management

Bowman Asset Management provides wealth management services to executives, professionals and small business owners. We help

clients reach their goals by developing and implementing strategies for every season of their life: growth, income, preservation and distribution of family wealth.

Securities offered through Sigma Financial Corporation, Member FINRA/SIPCInvestment Advisory Services offered through SPC, A Registered Investment Advisor

• Independent advice to help you reach your goals• Proactive and tax efficient investment strategies• Retirement plans; 401k and IRA income solutionsAreas of Focus: Wealth Preservation and Retirement Income PlanningDesignations: MBA, University of Michigan, BS Engineering, Michigan State

17011 KerchevalGrosse Pointe, MI 48230

Phone: (313) 343-0800

www.bowmanasset.com

terrYBrOWn

wells fargo advisors, llC255 E Brown St., Ste. 400Birmingham, MI 48009

Phone: (248) 433-8352Toll-free: (800) 521-9463

[email protected]

Financial Pathway for a Secure Future

s ince his start in the financial services industry in 1985, Terry Brown has used his financial education and knowledge to provide

investment advice and wealth building solutions.

The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the adviser’s clients.

The rating is not indicative of the adviser’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-

bank affiliate of Wells Fargo & Company. [CAR 0210-4595 02/23/2010]

• Personalized process for advising clients• Investing based on life goals and risk tolerance• Exceptional level of service and monitoring progressAreas of Focus: Retirement Planning, Investment Planning, Estate PlanningDesignations: First Vice President – Investments

KirKdAHrinG

“Your 401k Department”

dahring | Zewe is an investment services firm specializing in 401k and company retirement plans. What does it mean to specialize?

At Dahring | Zewe it means building our entire business around the skills and processes necessary to make us the very best in our industry. It means taking time to educate our clients and their employees and consistently providing them with the highest level of service. It means delivering better results — year after year.

Securities offered through NEXT Financial Group, Inc., Member FINRA/SIPC. Dahring | Zewe is not an affiliate of NEXT Financial Group, Inc.

• Employee education and fiduciary protection programs• RFP and vendor searches• Complete wealth managementAreas of Focus: 401(k) and Company Retirement Plans / Wealth ManagementDesignation: Chartered Retirement Plan Specialist (CRPS)

43334 W 7 Mile Rd., Ste. 1000Northville, MI 48167

Phone: (888) 909-401K

www.dz401k.com



PAULdemArK

Putting Clients First for 25 Years

each of my clients have unique goals and circumstances. We will design and implement a targeted investment plan together that

helps address your individual needs. My clients receive personalized advice, objective guidance and a focused dedication. Every client is treated as if he or she is my only client. Your dreams are my mission; your satisfaction is my goal.


• Providing honest conservative advice for two decades• Investment plans designed for each client• I take the time to educate each client on his or her portfolio risksAreas of Focus: Municipal bonds, mutual funds and income portfoliosDesignations: Associate Vice President, Financial Advisor

220 Park St., Ste. 220Birmingham, MI 48009

Phone: (248) 258-1790

[email protected]

JAmes H.FYdrOsKi

haas financial

29600 Northwestern Hwy.Southfield, MI 48034

Phone: (248) 213-0101

[email protected]

Active Investment Management

d id your portfolio experience heavy losses during the financial crisis — even though you were well diversified? Our Management

Program monitors your investments on a daily basis. Decisions are made everyday to buy, sell or hold. Retirement and non-retirement accounts. Moderate growth and capital preservation portfolios. Strategic use of cash and alternative strategies. We do not buy and hold; we buy and monitor for changes — everyday.

Advisory services through Haas Financial Services Inc.

• Downside risk management• Stop-loss strategies• Portfolios monitored dailyAreas of Focus: Active money management strategiesDesignations: Certi� ed Financial Planner™

GreGOrY C.HAmiLtOn esQ.hamilton & associates,

P.l.l.C.32100 Telegraph Rd., Ste. 200

Bingham Farms, MI 48025-2454

Office: (248) 642-6150

[email protected]

Creating Plans that Work

Greg has been bringing peace of mind to his clients for more than 20 years. He accomplishes this by having a professional and long-

lasting relationship with his Clients. After thorough counseling, an estate plan or business plan that fits the client’s goals, aspirations and desires is created to meet those needs. Greg welcomes the opportunity to meet with you to discuss your goals, aspirations and desires, and together create the estate and/or business plan that will meet your needs.

• Estate and business planning• Planned giving• Probate administrationAreas of Focus: Wealth Preservation and Wealth TransferDesignations: Juris Doctor Cum Laude

JiLLGLeBA

We Make Wealth Simple

J ill has 25 plus years of experience to help you create, manage and distribute your wealth. She is focused on giving personalized investment

advice and takes the time to understand her clients. At Gleba & Associates, our goal is to help our clients achieve the lives they want to live.

The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the

investment advisor’s clients. The rating is not indicative of the investment advisor’s future performance. See the announcement page for more information on how the

Five Star Wealth Managers are chosen. Securities and advisory services offered through Cambridge Investment Research, Inc., a Broker/Dealer and Registered

Investment Advisor, Member FINRA, SIPC.

• Individually tailored investment portfolios• 401k and pension planning for small businesses• Retirement and insurance planning for individualsTitle: Investment Advisor RepresentativeAreas of Focus: Financial Planning and Investments

46 E Square Lake Rd.Troy, MI 48085

Phone: (248) 879-4510

www.glebaandassociates.com



rAndALLHOOver

Committed to Your Success

At Hoover and Associates, the way we do business is as important as what we do. Our recommendations are based on our clients’ goals,

objectives and present resources combined with a strategy that overlays market conditions, tax, regulatory and actuarial considerations. We are dedicated to providing the sound guidance, vision and customer care that are required in every phase of planning for successful implementation and results.

Securities offered through Sigma Financial Corp. Member FINRA/SIPC.

• Comprehensive financial planning• Business retirement plan strategist• Independent financial advisorRetirement and investment planning, insurance and employee bene� tsDesignations: CLU, ChFC, REBC, RHU

909 N Main St.Royal Oak, MI 48067

Phone: (248) 298-4000

www.HooverAssociates.com

JeFFHOPPie

Trust • Integrity • Service

For more than 24 years, Jeff ’s mission has been to deliver comprehensive financial planning, disciplined investment counsel,

customized banking and a high level of customer service. Product knowledge, consistent communication and his ability to identify potential market opportunities while assessing risk are among his strongest assets.


• Relationships characterized by trust and integrity• Disciplined, long-term approach to investing based upon

your specific financial needs and risk toleranceComprehensive asset management, retirement and estate planningTitles: First Vice President – Portfolio Manager

4000 Town Center, Ste. 1800Southfield, MI 48075

Direct: (248) 358-7034

[email protected]

PAUL K.JOHnsOn

Trust • Integrity • Experience

W ith more than 25 years of experience, Paul believes financial planning is not a one-size-fits-all package. It is a set of goals and

strategies tailored to meet specific values, needs and objectives. Please call if you would like a complimentary evaluation of your current plan and discussion of new strategies.


• Comprehensive financial planning• Asset management• Retirement planningAreas of Focus: Income Planning, Retirement Plan Rollover, Estate PlanningDesignations: CFP, Senior VP, Senior Investment Management Consultant

101 W Big Beaver, Ste. 1200Troy, MI 48084

Phone: (248) 740-7129

[email protected]

tHOmAs m.KOnOPKA

Having been selected as a FIVE STAR Wealth Manager, Tom works with businesses, individuals, trusts and foundations around the

United States to help grow, protect and preserve their financial assets. His practice is based on the fundamental principle of on-going asset allocation and risk management advice. Central to his risk management strategy are customized income portfolios. Morgan Stanley Smith Barney’s global capabilities allow him to bring world class resources to his clients.


• Comprehensive wealth management strategies• Investment management• Proactive portfolio design and managementArea of Focus: Investment Portfolio ManagementDesignation: Senior Vice President – Wealth Management

40701 Woodward Ave., Ste. 200Bloomfield Hills, MI 48304

Phone: (248) 723-1815

[email protected]



JeFFreY d.LYnn

Custom Retirement Solutions

Long-term relationships are founded upon trust and mutual understanding. Jeffrey is committed to designing individualized

portfolios to meet his clients’ needs. Jeffrey will work with your accountant and attorney to compliment your team.


• Ethical, trustworthy, committed to client service• Personalized planning to fit your goals and needs• 16 plus years of experienceAreas of Focus: Retirement Planning, Investment Strategies, bond ladderingDesignations: First Vice President Financial Advisor

7457 Franklin Rd., Ste. 200Bloomfield Hills, MI 48301

Phone: (248) 538-5650

[email protected]

JOHnmitCHeLL

oppenheimer & Co. inc.63 Kercheval Ave., Ste. 300

Grosse Pointe Farms, MI 48236

Office: (313) 886-1200Toll-free: (800) 544-9978

[email protected]

Conceptual Wealth Management Services

in his more than 35 years as a financial advisor, John has helped corporate and individual clients in both their pre- and post-

retirement planning. Drawing on Oppenheimer’s recognized research department, combined with the use of insurance products and corporate and municipal bonds, John has been able to help clients work towards achieving their financial goals.

• Experience• Integrity• Client-oriented serviceAreas of Focus: Retirement planning and wealth management servicesAssociate Director – Investments

AntHOnYmOnA

UBS financial Services inc.32300 Northwestern Hwy.Farmington Hills, MI 48334

Direct: (248) 737-5430Toll Free: (800) 533-1407

[email protected]

“Managing Your Finances”

As your financial advisor, I am committed to working in a partnership with you, your CPA and attorney putting your needs first and embracing your goals

as my own. We position ourselves as the chief financial officer for your family. We create, manage and oversee your family’s 360-degree wealth plan. A plan that takes a snapshot of your current financial strategy and with your interaction, we formulate a plan to meet your needs today and in the future. Today we continue to build our track record of reliability and innovation, serving a variety of families, corporations, foundations and endowments in the United States. Our comprehensive financial planning and investment thought process helps us to seek appropriate results.

UBS Financial Services Inc., member SIPC

• Individualized, goal-oriented approach• Proactive client communication• Managing portfolios to build and preserve wealthArea of Focus: Comprehensive � nancial planningDesignation: Vice President – Investments with UBS Financial Services

sUsAnmOrse

diversified Capital Partners, llC

25657 Southfield Rd.Southfield, MI 48075

Office: (248) 423-4242Toll-free: (877) 423-4243

[email protected]

Avoiding Financial Mistakes

in my 26 years of experience as a financial representative, I pride myself most on, and derive the greatest satisfaction from, my ongoing

professional as well as personal relationships with my many clients and their extended families. What I have learned above all is that listening to my clients is not only an artful practice but a necessity when it is their financial future that is at stake.

Investment and advisory services offered through Great American Advisors®, Inc. Member FINRA and SEC Registered Investment Advisor. Branch office:

25657 Southfield Rd., Southfield, MI 48075, 877-423-4243. GAA and Diversified Capital PartnersSM are not affiliated.

• Assessing future financial direction• Evaluating insurance needs• Listening and developing clients’ personal goalsAreas of Focus: Retirement guidelines, life insurance, long-term care,

pension/401k rollovers for individuals/families, college funding



dAnAneLsOn

Looking Out For Your Financial Future

W ith more than 27 years of experience, I provide financial planning, investment management strategies and advice to help my clients

toward the achievement of their goals and dreams. Along with my dedicated team, I am committed to providing personalized, effective and accessible service.

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products

and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.

• Commitment to providing exceptional personal service• Comprehensive wealth management strategies• Financial Planning for all stages of lifeAreas of Focus: Investment, retirement, estate and tax planningDesignations: CFP, MBA, Senior Financial Advisor

1590 Eisenhower PlaceAnn Arbor, MI 48108

Office: (734) [email protected]

mArCneviLLe

neville financial Group37687 Pembroke Ave.

Livonia, MI 48152

Phone: (734) 432-2020

[email protected]

Trust • Confidence • Results

it is difficult to know when to reallocate your portfolio based on changing market trends. Investors typically tend to “sit on the sideline” and wait

to make any decisions, for fear of making the wrong choice. With 25 years of experience, Marc specializes in understanding current market and economic trends, governmental policy changes and how they impact your portfolio and investment decisions. He takes a partnership approach by meeting regularly with his clients to help them make informed investment decisions with respect to their financial plans.

Securities and Financial Planning offered by LPL Financial, member FINRA/SIPC.

• We are trusted and knowledgeable wealth managers• Integrity is our highest value• 25 years of proactive financial client relationshipsAreas of Focus: We focus on building and protecting wealth

dOminiCnietO

UBS financial Services inc.32300 Northwestern Hwy., Ste. 150

Farmington Hills, MI 48334Phone: (248) 932-8016

Toll-free: (800) 533-1407

[email protected]


dominic has helped clients establish investment objectives, set goals and manage portfolios for more than 22 years. “The goal

is to put the client in the best position for success while focusing on risk mitigation and diversification.” In 2007, he was named by “Crain’s Detroit Business” one of the top 25 Wealth Advisors in the Detroit area. Holding both the CFP® and CIMA® designations, Dominic offers clients an investment experience with integrity and compassion.

UBS Financial Services Inc. Member SIPC.

• Managing portfolios to build and preserve wealth• More than 22 years of investment experience• Individualized, goal-oriented approachAreas of Focus: Comprehensive Financial and Wealth PlanningDesignation: Senior Vice President – Investments, CFP®, CIMA®

neiL d.PAOLeLLA

arbor asset Management2155 Jackson Ave.

Ann Arbor, MI 48103

Phone: (734) 213-1390Toll-free: (877) 213-1391

[email protected]

Experience - Independence - Trust

neil has been providing investment management and financial planning to individuals, families and businesses since 1981. He

founded Arbor Asset Management with the goal of providing each client a personalized plan by utilizing independent, objective and unbiased advice. His considerable experience was demonstrated when he successfully negotiated the market volatility of 2008. Neil is dedicated to a high level of client service and to providing investment management services tailored to suit each client’s objectives.

• Comprehensive fee-only investment management• Personal relationships built upon trust• Objective advice from an independent advisorFocus: Investment management, � nancial and retirement planningDesignations: CPA, President-Arbor Asset Management, LLC



miCHAeLsinGer

Singer, leemon & assoc.1890 Crooks Rd., Ste. 330

Troy, MI 48084

Office: (248) 362-2485

[email protected]

Financial Evolution, Not Status Quo

success is not a financial product. After all, if it were, we would know it by now, and we would all own it … financial success is the

result of carefully thought out strategies that maximize the efficiency of every asset we have, minimize the risk of loss, minimize costs, and plan ahead of time for the possibility of higher taxes, inflation, volatile investment markets, loss of health and life’s little twists and turns. We create a unique wealth creation map for each client; a guide to his or her journey.

• A unique perspective; A Step to the Right• Expect the best, but plan beyond• Comprehensive, organized, efficient, effectiveFocus: Wealth Management, Strategic Planning, Business Exit PlansDesignations: Reg. Investment Advisor, Cert. Business Exit Planner, MD

BriAnteiCHmAnamerica Group

29100 Northwestern, Ste. 405Southfield, MI 48034

Phone: (248) 353-6570, Ext., 324

[email protected]


Brian has long been involved in the complicated and technical arena of investment and insurance planning. This wide experience

enables him to evaluate each client’s needs and then formulate a strategy to help pursue those financial objectives.

Securities and financial planning offered throughLPL Financial, member FINRA/SIPC

620447

• More than 25 years of knowledge and service• Asset management, estate/retirement planning• Integrity and a focus on superior customer serviceAreas of Focus: Retirement Management and Portfolio AnalysisDesignation: CFP®

LYnn m.vAnCe

Center for financial Management one, llC

1625 W Big Beaver Rd., Ste. BTroy, MI 48084

Phone: (248) 649-1144

[email protected]

Downside Risk Control

Lynn’s specialty is helping people convert their savings and IRA/401k plans into an organized portfolio that can potentially provide

predictable and sustainable income so they can relax and enjoy their next phase of life.

Securities offered through LPL Financial. Member FINRA/SIPC. Investment Advice offered through Center for Financial Management One, LLC, a registered investment

advisor and separate entity from LPL Financial.

• 30 years experience providing excellent service• Independent, objective, unbiased independent advice• Personal and customized strategies Areas of Focus: Retirement and IRA Distribution PlanningDesignations: Certi� ed Financial Planner™ professional

i believe success should be measured not just by your

financial well-being, but how confident you feel about your future. – Gunther

Ameriprise Financial Services, Inc. Member FINRA and SIPC.

GUntHer r.BrieGer, i i

2701 Troy Center Dr, Ste. 345Troy, MI 48084

Office: (248) [email protected]

Title: Certified Financial Planner

the Advisor’s Resource Group specializes in planning for

individuals and small businesses. O u r d e d i c at e d s t a f f s e e k s appropriate solutions to satisfy our clients’ financial, investment and estate planning needs.

Independent of QCC Member FINRA/SIPC and Questar Asset Management

ALLAnBrUnmeier

the advisor’s Resource Group2545 N Opdyke Rd., Ste. 104

Auburn Hills, MI 48326Office: (248) 370-8029

Cell: (248) [email protected]: Registered

Representative, Investment Advisor Representative



For more than two decades, Rod Charles has successfully

helped clients achieve and maintain financial freedom. Rod is a CFP practitioner and former universit y adjunct professor.

Securities offered through LPL FinancialMember FINRA/SIPC

rOdCHArLes

fin. freedom Group2701 Cambridge Ct., Ste. 400

Auburn Hills, MI 48326Phone: (248) 371-9100

[email protected] and ObjectiveDesignation: BA, MA, CFP®

taking a personalized approach designed to meet your current

financial needs, build your wealth and preserve it across generations, Chris delivers fully-integrated financial strategies to meet your goals. Securities offered through Raymond James Financial Services, Inc.

Member FINRA/SIPC

CHrisdemetrALRaymond James

financial Services, inc.2530 S Rochester Rd.

Rochester Hills, MI 48307Phone: (248) 299-4200

[email protected] Manager, AAMSFocus: Retirement Income, Asset

Planning, 401K Rollovers

m ichael is honored to be recognized as a FIVE

STAR Wealth Manager. Client satisfaction is his primary objective. He thanks his clients and industry professionals for the privilege to serve them and promises to continue First Allied’s tradition of integrity, service and performance.

miCHAeLBULLis

333 W 7th St., Ste. 350Royal Oak, MI 48067

Phone: (248) [email protected]

Title: Financial Advisor

W ith more than 20 years o f e x p e r i e n c e a s a

financial advisor, Tony guides his clients with an expertise in retirement planning and wealth management. He tailors a financial strategy to meet each client’s individual need.

AntHOnY m.CArUAnA

wunderlich Securities260 E Brown, Ste. 150

Birmingham, MI 48009Direct: (248) 723-7411

[email protected]: Vice President – InvestmentsFinancial Planning Specialist

more than 20 years of helping people prepare for their

future through the process of financial planning. Visit his website:ameripriseadvisors.com/james.i.downing


JAmes i.dOWninG

3260 E Morgan Rd.Ann Arbor, MI 48108


Designations: CFP®, CLU®

We strive to become your “re sp e c t e d” f i n a n c i a l

service provider.Certified Financial Planner Board of Standards Inc. owns the certification

marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully

complete the CFP Board’s initial and ongoing certification requirements.

AndreA KOtCHdUdA

350 S MainAnn Arbor, MI 48104

Phone: (800) 338-7846raymondjames.com/andreakotchduda

Title: Vice President, Investments

Wo r k i n g t o g e t h e r t o find opportunities in

today’s uncertain markets that are aligned with your financial goals.


eLiZABetHFOLeY

606 E Eleven MileRoyal Oak, MI 48067

Phone: (248) [email protected]: Senior Financial Advisor

Branko has been in the financial services industry since 1982, and

joined Morgan Stanley Smith Barney and its predecessors in 1987. Branko manages assets for a diverse client base, comprised of both individual investors and corporate clients.


BrAnKOGeGiCH

300 East Front St., Ste. 300Traverse City, MI 49684Phone: (231) 932-7201

[email protected]: Vice President/Financial Advisor



For more than 25 years, Jeannine has earned the lasting trust

and respect of business owners, executives, and other high-net-worth individuals by listening to them and delivering fast, innovative solutions to their business, estate planning, and wealth management needs.

JeAnnineGLeesOn

freeman Cotton & Gleeson PlC33 Bloomfield Hills Pky., Ste. 240

Bloomfield Hills, MI 48304Phone: (248) 642-2255

[email protected]: Business, Estate Planning,

and Trust AdministrationDesignation: J.D.

to my clients: Thank you for this award. Your financial

success and peace of mind are the focus of my efforts. I will always work hard to earn your loyalty and support. ameripriseadvisors.com/marc.greenlee


mArC r.GreenLee

6304 Orchard Lake Rd.W Bloomfield, MI 48322Phone: (248) 865-2517

[email protected], Retirement, 401k plans

mr. Harrison is licensed with Allegiant financial

Inc. as a registered representative and investment advisor. He is a member of The Million Dollar Round Table.

Securities offered through Allegiant Financial Inc. 200 S E 1st St., Ste. 502

Miami, FL. 33131 (866) 672-122

CHArLieHArrisOn iii

Sunesis financial Services30 N Saginaw, Ste. 408

Pontiac, MI 48342Phone: (248) 335-8343

[email protected]: Chief Executive Officer of

Sunesis Financial Services

dan has been providing an independent, unbiased

approach to wealth management and retirement planning for more than 24 years.

Securities offered through United Planners Financial Services of

America. A Limited Partnership. Member FINRA/SIPC.

dAnieLHOBAn

Spectrum financialResources

1739 W Big Beaver Rd.Troy, MI 48084

Phone: (248) 643-0033www.spectrumfc.com

Focus: Personalized planning and investment services

Title: Partner

As president, Christ ine leads her team of fee-

only f inancial advisors to help clients lead a great life by adv i s i ng t he m on t a x strategies, financial planning and investment strategies to accomplish their life goals.

CHristineisHAm

northern financialadvisors, inc.

26111 W 14 Mile Rd.Franklin, MI 48025


www.nfa1040.comCFP®, Enrolled Agent, NAPFA

Registered Financial Advisor

steve is on the board of directors for the State of

Michigan Teacher’s Pension Fund. FPA member. He offers stocks, bonds, mutual funds, fixed and variable annuities.

Securities offered through Sigma Financial Corp. Member FINRA/SIPC.

stevenJAGUsCHSigma financial

S. Jagusch & associates1651 S Milford Rd., Ste. 103

Highland, MI 48357Office: (248) 889-2167

[email protected] of Focus: Financial and

retirement planningDesignation: FPA Member

For 25 years, William Jeffrey has been helping families

achieve financial success. Our foundation is built on solid advice and a strong discipline of investment risk management. We are unique in our ability to protect our clients’ assets.

WiLLiAmJeFFreY

william Jeffrey & associates40950 Woodward Ave., Ste. 302Bloomfield Hills, MI 48304

Phone: (248) 723-6400williamjeffreyassociates.comAreas of Focus: Investment

Management

We strive to put together individual solutions for

our clients and understand that financial plans must be based upon what people need according to their unique circumstances. We pr ide ourselves on this independence.

rALPHKOss

19991 Hall Rd., Ste. 105Macomb, MI 48044

Phone: (586) 416-0664Vice President, InvestmentsRetirement Plan Consultant



i appreciate the trust my clients have placed in me. My clients

receive a customized plan tailored to their specific needs. I help my clients accumulate, protect and transfer wealth inter-generationally working with other professionals.


sAndrA e.LUtKenHOFF

40701 Woodward Ave., Ste 200Bloomfield Hills, MI 48304

Phone: (248) [email protected] President, CFP

se a n’s s o l u t i o n - b a s e d approach encompasses a

broad range of financial issues to help ensure a consistent financial plan. His clients view him as their personal CFO.


seAnmOrAn

16980 KerchevalGrosse Pointe, MI 48230Phone: (313) 417-8100

[email protected] VP – Financial Advisor

v ice President of Lifetime Planning and The Oakland

Press financial columnist, Ken has been dedicated to helping people protect and preserve their future for more than 30 years.The Society for Lifetime Planning is

independent of INVEST.

KenmOrris

lifetime Planning5445 Corporate Dr., Ste.170

Troy, MI 48098Phone: (248) 952-1744

www.kenmorris.netAreas of Focus: CHFC, Registered

Representative, INVEST Financial Corporation member FINRA and SIPC

As an Ameriprise financial advisor, I believe success

should be measured not just by your financial well-being, but by how confident you feel about your future.


C. dinOLemBesis

6304 Orchard Lake Rd.West Bloomfield, MI 48322



t im provides comprehensive w e a l t h m a n a g e m e n t t o

attorneys and other professionals. With thorough knowledge and steadfast dedication to his clients, he creates relationships built on trust and integrity.Securities offered through LPL Financial,

Member FINRA/SIPC.

timOtHY G.reAUme

the Reaume Company5600 New King St., Ste. 370

Troy, MI 48098Phone: (248) 265-5440

[email protected]

Focus: Retirement planning, Wealth management

Designations: JD, LLM, CLU, ChFC

mark’s mission is to help clients achieve their

own unique goals by managing their assets, helping protect their wealth and building their financial legacies.


mArKsCHmidt

17420 Laurel Park Dr. NLivonia, MI 48152


Vice President, Financial Advisor

d iane has built her reputation on knowledge, integrity

and devotion to customer service. Professional and expert skills in accounting, taxation, bookkeeping, estate planning, trust administration, mergers and acquisitions, valuation issues, and marriage/divorce financial consulting. Members of AICPA, MACPA, RANONE.

diAnesiriAni

Siriani & associates CPa’s30150 Telegraph Rd.

Bingham Farms, MI 48025Phone: (248) [email protected]

CPA’s who are experienced enough to provide sound financial solutions, but small enough to care.

For more than 18 years, I have assisted my cl ients w ith

independent advice and financial strateg ies to suppor t what’s meaningful in life. I am grateful for their trust and recognition of this award!

Securities and Advisory Services Offered Through LPL Financial, Member FINRA/SIPC.

r. Bret tPetersmArK

Petersmark financial network, ltd2395 Oak Valley Dr., Ste. 120

Ann Arbor, MI 48103Phone: (734) 372-7191

lpl.com/Brett.PetersmarkExpertly integrating tax, financial

planning, asset management and retirement income



W ith more than 15 years of experience, Jeff strives to

develop financial strategies designed to help his clients make more money, potentially pay less taxes and protect their hard-earned savings.

Securities offered through First Allied Securities, Inc., a registered Broker/

Dealer, Member; FINRA/SIPC.

JeFFerY P.sPrAGUe

asset Planning Strategies, llC31000 Telegraph, Ste. 250Bingham Farms, MI 48025


assetplanningstrategies.comAreas of Focus: Retirement ,

Investment and Estate Planning, Money Management

We focus on becoming y o u r p a r t n e r i n

building the future you desire. Our mission is to help clients achieve financial independence through expert advice, sound r isk management, qualit y investments and service.

LisA L.steLLA

691 N Squirrel Rd.Auburn Hills, MI 48326Phone: (248) 276-2818

www.lisastella.comVice President – Investments, CFP

i suppor t each cl ient w ith a straight-for ward approach

utilizing our firm’s full depth and resources.NOT FDIC Insured | NO Bank Guarantee | MAY Lose Value. Comerica Securities

is a broker/dealer, member FINRA/SIPC, and subsidiary of Comerica Bank. Comerica Securities, is also a federally

Registered Investment Advisor.

PAULtePAt ti

101 N MainAnn Arbor, MI 48104

Phone: (734) 930-2269

Titles: MBA

there is nothing better than being appreciated for something one

truly enjoys. HCM Group at Morgan Stanley Smith Barney goes beyond providing financial strategies to help clients meet their goals and objectives. We become an integral part of their lives and they … ours.


riCHArd r.tOrrenti

40701 Woodward Ave., Ste. 200Bloomfield Hills, MI 48304



Fo r 3 0 ye a r s , t h e O x f o rd branch of Raymond James

has been offering fee-only money management and comprehensive wealth and investment strategies to their clients.Raymond James Financial Services, Inc.,

Member FINRA/SIPC.

JAY L.smitH

Raymond James financial Services, inc.

28 S Washington, Ste. 204Oxford, MI 48371

Phone: (248) 628-7259www.raymondjames.com/oxfordJay L. Smith, Certified Financial

Planner

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