2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 1
Special advertiSing Section
In a consumer study about dynamics between wealth managers and their clients Five Star Professional polled wealth managers and consumers about communications Both groups said that connecting three to four times a year is the right communications strategy but expectations are not aligned in all areas
bull 29 percent of consumers want to be contacted by their wealth manager whenever events require an update only 7 percent of wealth managers say they contact clients based on the impact of events
bull 63 percent of consumers say they receive the right amount of communication from their wealth manager
From research conducted by Five Star Professional April 2011
Wealth managers broadly defined are those individuals who help you manage your financial world andor implement aspects of your financial strategies Common examples of wealth managers
are financial advisors financial planners investment advisors tax advisors and estate planning attorneys
How do you find a wealth manager with experience who has a good base of clients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients
DBusiness magazine HOUR Detro i t a n d F i v e S t a r Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients Among many distinguishing attributes the average one-year client retention rate for this yearrsquos award winners is more than 96 percent
Five Star Wealth Managers
2013 Detroit
Donrsquot listen to other people Investigate for yourself Be wary of advisers who say they never had a down yearrdquo
mdash Five Star Wealth Manager
In order to consider a broad population of high-quality wealth managers award candidates are identified by one of three sources firm nomination peer nomination or pre-qualification based on industry standing Self-nominations are not accepted Detroit award candidates were identified using internal and external research data including a survey to more than
12500 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC
CanDiDateSaward
The 2013 Five Star Wealth Managers are a select group representing less than 7 percent of the wealth managers in the Detroit area(1)
Although this list is 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 excellent wealth managers who for one reason or another are not on this yearrsquos list
aWarDa Select
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2013 Five Star Wealth
Man
agers
FS 2 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wishful thinking is not planning If you plan for the worst you will never be unpleasantly surprisedrdquo
What matters most is how you recover from setbacksrdquo
Only invest in something that you understandrdquo
Insights from Five Star Wealth Managers
Clients donrsquot care how much you know until they know how much you carerdquo
bull Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers
bull The Five Star award is not indicative of the wealth managerrsquos future performance bull Wealth managers may or may not use discretion in their practice and therefore may not manage
their clientsrsquo assets bull 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 Five Star Professional DBusiness magazine or HOUR Detroit
bull 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 Five Star Professional in the future
bull Five Star Professional is not an advisory firm and the content of this article should not be considered financial advice For more information on the Five Star award and the researchselection methodology go to wwwfivestarprofessionalcom
bull (1) 2762 award candidates in the Detroit area were considered for the Five Star Wealth Manager award 749 (approximately 28 percent of the award candidates) were named 2013 Five Star Wealth Managers
DiSCloSureSresearch
2013
The Five Star award goes to less than 7 percent of wealth managers
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2013 Five Star Wealth Managers(2)
Eligibility Criteria ndash Required(3)
1 Credentialed as an investment advisory representative (IAR) a FINRA-registered representative a CPA or a licensed attorney
2 Actively employed as a credentialed professional in the financial services industry for a minimum of five years
3 Favorable regulatory and complaint history review(4) 4 Fulfilled their firm review based on internal firm standards 5 Accepting new clients
Evaluation Criteria ndash Considered(3)
6 One-year client retention rate (the average one-year client retention rate of this yearrsquos award winners is more than 96 percent)
7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered (this
yearrsquos award winners administer an average of $99 million in client assets)9 Number of client households served (on average this yearrsquos award winners serve 254
households)10 Education and professional designations
oF aWarD WinnerSDetermination
(2) Wealth managers were required to certify that any information they provided was accurate (3) Criteria 4 8 and 9 do not apply to attorneys or CPAs(4) As defined by Five Star Professional the wealth manager has not
bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or
Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony
Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists Data submitted through these processes was applied per the above criteria
bull Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed above
bull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth managerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the
opportunity to submit complaints regarding a wealth manager More than 78100 households in the Detroit area were contacted
The Five Star Wealth Manager selection criteria was updated for the 2012 award year 2005 ndash 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients peers and industry experts No more than 7 percent of wealth managers receive the award each year Contact Five Star Professional at infofivestarprofessionalcom for additional information regarding the selection process for 2005 ndash 2011 award winners
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 3
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Business PlanningMike Amine New England FinancialMetLife
Thomas Beard GHD CPAs and Advisors
NZ Bryant Jr LPL Financial
Ivan Glasser Glasser amp Associates
Lynda Glasser Glasser amp Associates
Jeannine Gleeson Sullivan Ward Asher amp Patton
Robert Gross Siegel Greenfield Hayes amp Gross
Sean Mattson Ameriprise Financial Services Inc
Ann Meehan Einstandig Kline amp Meehan
Melvin Raznick Law Offices of Melvin M Raznick
Shawn Scribner MetLife
Ursula Scroggs Derderian Kann Seyferth amp Salucci
Estate PlanningP Mark Accettura Accettura amp Hurwitz
Page 26
Paul Arslanian The Arslanian Law Firm
Joseph Bonventre Clark Hill
George Cassar Maddin Hauser Wartell Roth amp Heller
Thomas Colarossi Colarossi amp Colarossi
Daniel Cornwell Cambridge Consulting Group
Jack Couzens II Couzens Lansky
Robert Delisi Delisi amp Associates
Randall Denha Denha amp Associates
W Patrick Dreisig Butzel Long
Mark Feinberg Mark L Feinberg
Alan Ferrara Finkel Whitefield Selik
Julius Giarmarco Giarmarco Mullins amp Horton
Kevin Gilhool Kevin M Gilhool
Eric Glick Thav Gross
Jonathan Goldberg Bloom Asset Management
Joel Golden Jaffe Raitt Heuer amp Weiss
Patrick Hall Law Offices of Patrick C Hall
Marc Hallowell Hallowell amp Associates
Gregory C Hamilton Hamilton amp Associates
Amy Hartmann Gandelot amp Associates
Stephen Jones Beier Howlett
Austin Kanter Kanter Associates
Jay Kennedy Warner Norcross amp Judd
Robert Lubera Wakefield Sutherland amp Lubera
Paul Lubienski Paul M Lubienski
J Thomas MacFarlane Clark Hill
Sanford Mall Mall Malisow amp Cooney
Dennis Mitzel Mitzel Law Group
Diana Moak Pugh Moak
Gerald Morello Morello Law Group
Sean OrsquoBryan OrsquoBryan Law Firm
Albert Papa Cambridge Consulting Group
Dan Penning Penning Group Advisors amp Attorneys
Edgar Pugh Jr Pugh Moak
Richard Schloss Hertz Schram
John Selesko Bassey and Selesko
W Craig Sleeman W Craig Sleeman
George Smrtka George M Smrtka
Gordon Snavely Gordon A Snavely
Steven Solys Legacy Private Capital
David Sommerfeld Butzel Long
Mark Stasa Kerr Russell amp Weber
Jeffrey Sternberg Kotz Sangster Wysocki
Michael Sugameli Sugameli amp Sugameli
Thomas Sweeney Clark Hill
Geoffrey Taylor Maddin Hauser Wartell Roth amp Heller
David M Thoms Miller Canfield Paddock and Stone
John Thomson Ufer amp Spaniola
Dennis Valenti Conlin McKenney amp Philbrick
Paul Wakefield Wakefield Sutherland amp Lubera
Thomas Wall Wall Law Group
Matthew Wallace Matthew M Wallace
Nancy Welber Nancy H Welber
Michael Witzke Witzke Berry Carter amp Wander
Sara Zivian Zwickl Zivian amp Zwickl
Financial PlanningSandra Adams Center for Financial Planning
Robert Altizer Raymond James amp Associates
Terry R Altman Global Financial Planning Group Page 30
David Altwerger Morgan Stanley
Jeanne Anderson Molony Securities
Aaron Andreas Baron Wealth Management
Eric Babcock Greystone Financial Group
Carol Balagur Ameriprise Financial Services Inc
Chris Balcerowiak Ameriprise Financial Services Inc
Joe Banaszewski Banaszewski Financial Services
Frank Banks Morgan Stanley
Ronald Barlow Ronald Barlow
Ryan Barrett Raymond James Financial Services
Kevin Bates Cambridge Consulting Group
Roman Batschynsky Oakwood Financial Network
Deb Bauer Raymond James amp Associates
Thomas Baughman Baughman Capital Management
Timothy Bearden Stonebridge Financial Partners
Andrew Bearre Gregory J Schwartz amp Company
Andrew Behm Michigan Financial Companies Page 16
Michael Bellware Morgan Stanley
Christan Benard Innovative Financial
Kenneth Benardino Advance Capital Management
Steve Berner Morgan Stanley
Raphael Betanzos Morgan Stanley Page 26
Roger Betcher Betcher Financial Group Page 26
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Professi
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2013 Five Star Wealth
Man
agers
FS 4 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Reid Beyerlein Raymond James Financial Services
William Bird Merrill Lynch
Kenneth Bloom Bloom Asset Management
Susan Bommarito Raymond James amp Associates
Linda Bonham Advantage Tax amp Financial Services
Nicholas Bonn Center Street Wealth Strategies
Alicia Botti Ameriprise Financial Services Inc
Laurie Bournias Merrill Lynch
Daniel Boyce The Center for Financial Planning
Robert Bradley Morgan Stanley
Kevin Brennan Brennan Investment ServicesING Financial Partners
Gunther Brieger Ameriprise Financial Services Inc
Kevin Brockman Stonebridge Financial Partners
William Brown Copper Beech Wealth Management
Ralph Bryant Jr Bryant amp AssociatesAmeriprise Financial Services Inc
Douglas Buczak Pacific Financial Group
Shawn Bumgardner Ameriprise Financial Services Inc
Debbie Burkhalter Raymond James Financial Services
Kevin Butler Merrill Lynch
Paul Carnahan Celtic Wealth Management Group
Robert Carris LPL Financial
Bryan Carroll Oppenheimer amp Company
Valerija Castro Ameriprise Financial Services Inc Page 27
James Cattaneo Cattaneo Wealth Management Group
Raymond Celaya Plante Moran Financial Advisors
Daniel Cesta Pinnacle Wealth Management Group
John Childers Raymond James amp Associates
Matthew Chope Center for Financial Planning
Joseph Ciaramitaro Raymond James amp Associates
Vonda Cini Raymond James amp Associates Page 20
David Clark Birmingham Wealth ManagementMorgan Stanley
Lynn Cluckey Ameriprise Financial Services Inc
Kenneth Coe Integrated Capital Management
William Cole Morgan Stanley
Mill Coleman VALIC Financial Advisors
Anthony Cook Cook Wealth Management
Thomas G Cooper Ameriprise Financial Services Inc
Robert Craun Craun Freeman Tax amp Wealth Management
Joseph Creal Cambridge Wealth Strategies
Margaret Cull Hantz Financial Services
Matthew Cunningham Ameriprise Financial Services Inc
Angela Cusmano Dahring Cusmano and Associates
Floyd Dabney Ameriprise Financial Services Inc
Robert Dagenais Merrill Lynch
Kirk Dahring Dahring Cusmano and Associates
Richard Davenport Raymond James Financial Services
Mark Davis Haas Center for Financial Gerontology
Matthew C Davis LPL Financial
Scott Davis Michigan Financial Companies Page 16
Michael DeLap Securities America Advisors
Chris Demetral Raymond James Financial Services Page 30
Kenneth Demps Morgan Stanley Page 14
Robert Dennis Morgan Stanley Page 14
Michael DeTone VALIC Financial Advisors
Elizabeth Deutch Ameriprise Financial Services Inc
Daniel Dickhudt Thrivent Financial for Lutherans Page 27
Alexander Dinser ING Financial Partners
Brian Donohoe Oppenheimer amp Company
James Downing Ameriprise Financial Services Inc Page 30
Patrick Drouillard Hantz Financial Services
Philip Dubinski Ameriprise Financial Services Inc
Steve DuCharme Ameriprise Financial Services Inc
Bruce Dunbar Raymond James Financial Services
Brendan Dunleavy Michigan Financial Companies Page 16
Christopher Emde Gregory J Schwartz amp Company
Paul Erickson Alpha Asset Advisors
Randy Eschels Eschels Financial Group
Marcella Evans AXA Advisors
David Evola Ameriprise Financial Services Inc
Mary Ewasyshyn Ameriprise Financial Services Inc
Barbara Fanone Priority Wealth Management
Timothy Farris Ameriprise Financial Services Inc
Kevin Ferhadson Ferhadson amp AssociatesAmeriprise Financial Services Inc
J Joseph Fioroni Merrill Lynch
Jason Firek Merrill Lynch Pierce Fenner amp Smith
Michael Fleischer Morgan Stanley
Renee S Floer Ameriprise Financial Services Inc
Robert Frank III Ameriprise Financial Services Inc Page 30
Brian Franke Integrated Capital Management
Jeffrey Fratarcangeli Merrill Lynch
Bruce French Morgan Stanley Page 31
Leif Fry Morgan Stanley
Charles Gabel Gabel Financial Services
Thomas Gackle Lowell Wealth Management
Dan Gardner Michigan Financial Companies
Tina Gelmisi Hantz Financial Services
Kristie Gheysens Detroit Financial Group
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Professi
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 5
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Joseph Gibson Ameriprise Financial Services Inc
Joe Giordano LPL Financial
Sherry Gira Ameriprise Financial Services Inc
Jill Gleba Gleba amp Associates Page 31
John Goff Retirement Income Solutions
Traver Goodrich Ameriprise Financial Services Inc
Nicole Gopoian CIG Corporation
Kenneth Grace Financial Architects
Marty Grattan Lifetime Planning
David Gravelyn Hantz Financial Services
Richard Gregor Creative Financial Group Page 31
James Griffith Ameriprise Financial Services Inc Page 21
Steven T Guglielmetti Guglielmetti Asset Management
Dicran Haidostian Future Benefits Corporation
Julie Hall Center for Financial Planning
Scott Hammond Morgan Stanley
Shaun Hampton Hantz Financial Services
Craig Harris Merrill Lynch
Felicia Harris Ameriprise Financial Services Inc
Tommi Harris Verde Capital Management
Kenneth Hart Lincoln Financial AdvisorsSagemark Consulting
Lee Hart Hart amp AssociatesAmeriprise Financial Services Inc
Dawn Hausch-Cooper Ameriprise Financial Services Inc Page 31
Russell Henry Financial Planning PartnersRaymond James
Timothy Herbert Timothy Herbert Financial Group
Judi Hernandez Cedar Brook Financial Partners
Robert Hicks Planning Alternatives
Maria Hill Northern Financial Advisors
John Hinnegan Secure Retirement Solutions
Renee Hof-Lacey Morgan Stanley Page 27
Todd Hoover Hoover Irla amp Associates
Nicholas Hopwood Park Avenue Wealth Management
Roger Houston Roger Houston CFP and Associates
Justin Hulett AQuest Wealth Strategies
Kenneth Huner Thrivent Financial for Lutherans
Sam Huszczo Michigan Securities
Henry Ilyasov Ameriprise Financial Services Inc
Mark Ivezaj Ameriprise Financial Services Inc
Jeffrey Ivory JWI amp Associates
Christopher Jaggi Ameriprise Financial Services Inc
Sid Jamil Charles Schwab amp Company
Michael Fisher Jennings Cambridge Consulting Group
Michael Jernukian Merrill Lynch Pierce Fenner amp Smith
Jason Jodway VALIC
Paul Johnson Morgan Stanley
Vera Johnson LPL Financial
Elizabeth Kaniarz Thrivent Financial
Linda Kay Ameriprise Financial Services Inc
Dan Keller Raymond James amp Associates
Michael Kern Jr Kern amp Company Advisory
Charles Kessler Kessler amp Associates
Kevin Kilgren Ameriprise Financial Services Inc Page 21
Gary King Ameriprise Financial Services Inc
Michael Klassa Klassa amp Associates FinancialAmeriprise Financial Services Inc
Robert Kleber Advance Capital Management
Charles Kleinbrook Kleinbrook Financial
Denise Kochanski Merrill Lynch
Michael P Kopko Legacy Consultants Wealth ManagementLPL Financial
Ralph Koss Raymond James
Andrea Kotch-Duda Raymond James
Jonathan Kring Ameriprise Financial Services Inc
Robert Krut Morgan Stanley
Bill Kumm Financial Independence
Raeann Kusch Thrivent Financial for Lutherans
Anthony LaJeunesse TL Financial Group
Gary Lannen Copper Beech Wealth Management
Patrick Lapensee LPL Financial
Alex Lebron LPL Financial
David Lentz Northern Financial Advisors
Paul Leonard Ameriprise Financial Services Inc
John Lesser Plante Moran Financial Advisors
Christopher Letts Morgan Stanley
Jeffrey Lichty Cambridge Investment Research Advisors
Jeffrey Lido Advance Capital Management
Philip Liner Priority Wealth Management
Carol Litka Morgan Stanley
Lisa London Merrill Lynch
Cathleen Lorenz GHD Wealth Management
Steve Lovelace LJH Financial GroupAXA Advisors
Scott Lundberg Lincoln Financial Advisors
Scott Luther Lexington Financial
Donald Lux Simplified Financial Wealth Management amp Advisory Services
Richard Maas Genesis Financial Partners
Shawn MacDonell Hantz Financial Services
Duncan MacEachern Celtic Wealth Management Group
Anne MacIntyre Annie Mac Financial
Gerald Malone Advance Capital Management
Patrick Maly Morgan Stanley Page 32
Gurveer Mann Michigan Financial Companies Page 16
Michael Marcotte JJB Hilliard amp WL Lyons
Timothy J Martin Planned Financial Services
James Mathias Focus Financial Group
Thomas May VALIC Financial Advisors
Mitchell McCann McCann Retirement Strategies
Todd McClain Plante Moran Financial Advisors
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2013 Five Star Wealth
Man
agers
FS 6 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Stuart McCormick Raymond James amp Associates
J Thaddeus McGaffey Ameriprise Financial Services Inc
John McGonagle EPI Advisors
Earl McHugh Detroit Financial Group Page 32
Sara Mehraban Ameriprise Financial Services Inc Page 32
Kimberly Melletat Raymond James amp Associates
Nathan Mersereau Planning Alternatives
Bradley Mikolajczyk Merrill Lynch Global Wealth Management
Christopher Millio Ameriprise Financial Services Inc
Mehul Mistry Secure Planning Strategies
Paul Moceri Merrill Lynch
Bassem Moez LPL Financial
Christopher Mollan LPL Financial
David Mooradian Morgan Stanley
Dennis Mooradian Morgan Stanley
James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
Larry Moss Raymond James amp Associates
Teresa Mulawa Morgan Stanley
Daniel Mulder Ameriprise Financial Services Inc
John Mullins Greystone Financial Group
Keith Murphy LPL Financial
William Murray Backus amp MurrayAmeriprise Financial Services Inc
Don Nadeau Raymond James amp Associates
Peter Nagy Merrill Lynch
Michele Nehls Extra Credit Union Page 32
Charles Nemes Raymond James amp Associates
Craig Nikischer VALIC Financial Advisors
Natalie Norman Raymond James Financial Services
Raymond Ogden National Life Group
Edward Oldani Michigan Financial Companies Page 16
Deanna Olsen Planned Financial Services
Patrick OrsquoNeill Morgan Stanley
Sam Orlando Raymond James Financial Services
Gus Panos Merrill Lynch
Norman Pappas Pappas Financial
James Parker Ameriprise Financial Services Inc
Bruce Parmenter Jr Ameriprise Financial Services Inc
Frank Patrick Ameriprise Financial Services Inc
Michelle Pawl-Gierak ProEquities
Andrew Perri Pinnacle Wealth Management Group Page 23
John Peters Raymond James amp Associates Page 24
Robert Petersmark Petersmark Financial Network Page 33
Alice Pfahlert Ameriprise Financial Services Inc
Wayne Phillips Ameriprise Financial Services Inc Page 18
Kathy Piotrowski Ameriprise Financial Services Inc
Michael Pohlod Ameriprise Financial Services Inc
Jacki Popadich Hantz Financial Services
Michael Popadich Hantz Financial Services
Carol Pope Morgan Stanley
Robert Potter Giles Potter and AssociatesAmeriprise Financial Services Inc
Marc Powers Raymond James Financial Services
Mary Prebish Lincoln Financial Advisors
John Priestap Raymond James Financial Services
Phillip Putney AFS Wealth Mangement Page 28
Robert Rahaim DeSeranno Wealth Planning
Heidi Raine Ameriprise Financial Services Inc
Robin Reading Americas IRA Center
Timothy Reaume Reaume Wealth Management
Laurie Renchik Center for Financial Planning
Karen Rivest John Hancock Financial NetworkMichigan Financial Companies Page 16
Paul Robak Walters Financial Group
John Robbins JFR Financial Services
Mark Rogers Morgan Stanley
Adam Rosier Ameriprise Financial Services Inc
Erin Ross Ameriprise Financial Services Inc
Jack Rothenberg America Group Retirement Strategy Centers
Timothy Rush Raymond James Financial
Jon Russell Merrill Lynch
Joseph Ruzycki Center for Wealth Planning
Jordin Ryan Hantz Financial Services
Joseph Sabelhaus Legacy Wealth Management Group
Rebecca Salama Raine amp SalamaAmeriprise Financial Services Inc
Michael Sanfield Merrill Lynch
Nicholas Sarnacki CIG Corporation
Joseph Saverino Raymond James
Gregory ldquoHGrdquo Schink Merrill Lynch
Colleen Schon Raymond James
Sandra Scolari Strategic Wealth Horizons
Nathan Sealey Brass Ring Wealth Management Page 13
Eric Seger Integrated Capital Management
David Senatore Morgan Stanley
Margie Shard Shard Financial Services Page 29
Michael Shearon Flynn Benefits Group Page 25
Michael Sherer Morgan Stanley
Jason Sherman Financial Advisory at The PrivateBank
Peter Shunyia Merrill Lynch
Connie Simpson Merrill Lynch Pierce Fenner amp Smith
Neeta Singh Ameriprise Financial Services Inc
Amy Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
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Professi
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Professi
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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Professi
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Professi
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Professi
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Professi
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Professi
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 2 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wishful thinking is not planning If you plan for the worst you will never be unpleasantly surprisedrdquo
What matters most is how you recover from setbacksrdquo
Only invest in something that you understandrdquo
Insights from Five Star Wealth Managers
Clients donrsquot care how much you know until they know how much you carerdquo
bull Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers
bull The Five Star award is not indicative of the wealth managerrsquos future performance bull Wealth managers may or may not use discretion in their practice and therefore may not manage
their clientsrsquo assets bull 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 Five Star Professional DBusiness magazine or HOUR Detroit
bull 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 Five Star Professional in the future
bull Five Star Professional is not an advisory firm and the content of this article should not be considered financial advice For more information on the Five Star award and the researchselection methodology go to wwwfivestarprofessionalcom
bull (1) 2762 award candidates in the Detroit area were considered for the Five Star Wealth Manager award 749 (approximately 28 percent of the award candidates) were named 2013 Five Star Wealth Managers
DiSCloSureSresearch
2013
The Five Star award goes to less than 7 percent of wealth managers
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2013 Five Star Wealth Managers(2)
Eligibility Criteria ndash Required(3)
1 Credentialed as an investment advisory representative (IAR) a FINRA-registered representative a CPA or a licensed attorney
2 Actively employed as a credentialed professional in the financial services industry for a minimum of five years
3 Favorable regulatory and complaint history review(4) 4 Fulfilled their firm review based on internal firm standards 5 Accepting new clients
Evaluation Criteria ndash Considered(3)
6 One-year client retention rate (the average one-year client retention rate of this yearrsquos award winners is more than 96 percent)
7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered (this
yearrsquos award winners administer an average of $99 million in client assets)9 Number of client households served (on average this yearrsquos award winners serve 254
households)10 Education and professional designations
oF aWarD WinnerSDetermination
(2) Wealth managers were required to certify that any information they provided was accurate (3) Criteria 4 8 and 9 do not apply to attorneys or CPAs(4) As defined by Five Star Professional the wealth manager has not
bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or
Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony
Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists Data submitted through these processes was applied per the above criteria
bull Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed above
bull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth managerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the
opportunity to submit complaints regarding a wealth manager More than 78100 households in the Detroit area were contacted
The Five Star Wealth Manager selection criteria was updated for the 2012 award year 2005 ndash 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients peers and industry experts No more than 7 percent of wealth managers receive the award each year Contact Five Star Professional at infofivestarprofessionalcom for additional information regarding the selection process for 2005 ndash 2011 award winners
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Professi
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 3
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Business PlanningMike Amine New England FinancialMetLife
Thomas Beard GHD CPAs and Advisors
NZ Bryant Jr LPL Financial
Ivan Glasser Glasser amp Associates
Lynda Glasser Glasser amp Associates
Jeannine Gleeson Sullivan Ward Asher amp Patton
Robert Gross Siegel Greenfield Hayes amp Gross
Sean Mattson Ameriprise Financial Services Inc
Ann Meehan Einstandig Kline amp Meehan
Melvin Raznick Law Offices of Melvin M Raznick
Shawn Scribner MetLife
Ursula Scroggs Derderian Kann Seyferth amp Salucci
Estate PlanningP Mark Accettura Accettura amp Hurwitz
Page 26
Paul Arslanian The Arslanian Law Firm
Joseph Bonventre Clark Hill
George Cassar Maddin Hauser Wartell Roth amp Heller
Thomas Colarossi Colarossi amp Colarossi
Daniel Cornwell Cambridge Consulting Group
Jack Couzens II Couzens Lansky
Robert Delisi Delisi amp Associates
Randall Denha Denha amp Associates
W Patrick Dreisig Butzel Long
Mark Feinberg Mark L Feinberg
Alan Ferrara Finkel Whitefield Selik
Julius Giarmarco Giarmarco Mullins amp Horton
Kevin Gilhool Kevin M Gilhool
Eric Glick Thav Gross
Jonathan Goldberg Bloom Asset Management
Joel Golden Jaffe Raitt Heuer amp Weiss
Patrick Hall Law Offices of Patrick C Hall
Marc Hallowell Hallowell amp Associates
Gregory C Hamilton Hamilton amp Associates
Amy Hartmann Gandelot amp Associates
Stephen Jones Beier Howlett
Austin Kanter Kanter Associates
Jay Kennedy Warner Norcross amp Judd
Robert Lubera Wakefield Sutherland amp Lubera
Paul Lubienski Paul M Lubienski
J Thomas MacFarlane Clark Hill
Sanford Mall Mall Malisow amp Cooney
Dennis Mitzel Mitzel Law Group
Diana Moak Pugh Moak
Gerald Morello Morello Law Group
Sean OrsquoBryan OrsquoBryan Law Firm
Albert Papa Cambridge Consulting Group
Dan Penning Penning Group Advisors amp Attorneys
Edgar Pugh Jr Pugh Moak
Richard Schloss Hertz Schram
John Selesko Bassey and Selesko
W Craig Sleeman W Craig Sleeman
George Smrtka George M Smrtka
Gordon Snavely Gordon A Snavely
Steven Solys Legacy Private Capital
David Sommerfeld Butzel Long
Mark Stasa Kerr Russell amp Weber
Jeffrey Sternberg Kotz Sangster Wysocki
Michael Sugameli Sugameli amp Sugameli
Thomas Sweeney Clark Hill
Geoffrey Taylor Maddin Hauser Wartell Roth amp Heller
David M Thoms Miller Canfield Paddock and Stone
John Thomson Ufer amp Spaniola
Dennis Valenti Conlin McKenney amp Philbrick
Paul Wakefield Wakefield Sutherland amp Lubera
Thomas Wall Wall Law Group
Matthew Wallace Matthew M Wallace
Nancy Welber Nancy H Welber
Michael Witzke Witzke Berry Carter amp Wander
Sara Zivian Zwickl Zivian amp Zwickl
Financial PlanningSandra Adams Center for Financial Planning
Robert Altizer Raymond James amp Associates
Terry R Altman Global Financial Planning Group Page 30
David Altwerger Morgan Stanley
Jeanne Anderson Molony Securities
Aaron Andreas Baron Wealth Management
Eric Babcock Greystone Financial Group
Carol Balagur Ameriprise Financial Services Inc
Chris Balcerowiak Ameriprise Financial Services Inc
Joe Banaszewski Banaszewski Financial Services
Frank Banks Morgan Stanley
Ronald Barlow Ronald Barlow
Ryan Barrett Raymond James Financial Services
Kevin Bates Cambridge Consulting Group
Roman Batschynsky Oakwood Financial Network
Deb Bauer Raymond James amp Associates
Thomas Baughman Baughman Capital Management
Timothy Bearden Stonebridge Financial Partners
Andrew Bearre Gregory J Schwartz amp Company
Andrew Behm Michigan Financial Companies Page 16
Michael Bellware Morgan Stanley
Christan Benard Innovative Financial
Kenneth Benardino Advance Capital Management
Steve Berner Morgan Stanley
Raphael Betanzos Morgan Stanley Page 26
Roger Betcher Betcher Financial Group Page 26
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 4 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Reid Beyerlein Raymond James Financial Services
William Bird Merrill Lynch
Kenneth Bloom Bloom Asset Management
Susan Bommarito Raymond James amp Associates
Linda Bonham Advantage Tax amp Financial Services
Nicholas Bonn Center Street Wealth Strategies
Alicia Botti Ameriprise Financial Services Inc
Laurie Bournias Merrill Lynch
Daniel Boyce The Center for Financial Planning
Robert Bradley Morgan Stanley
Kevin Brennan Brennan Investment ServicesING Financial Partners
Gunther Brieger Ameriprise Financial Services Inc
Kevin Brockman Stonebridge Financial Partners
William Brown Copper Beech Wealth Management
Ralph Bryant Jr Bryant amp AssociatesAmeriprise Financial Services Inc
Douglas Buczak Pacific Financial Group
Shawn Bumgardner Ameriprise Financial Services Inc
Debbie Burkhalter Raymond James Financial Services
Kevin Butler Merrill Lynch
Paul Carnahan Celtic Wealth Management Group
Robert Carris LPL Financial
Bryan Carroll Oppenheimer amp Company
Valerija Castro Ameriprise Financial Services Inc Page 27
James Cattaneo Cattaneo Wealth Management Group
Raymond Celaya Plante Moran Financial Advisors
Daniel Cesta Pinnacle Wealth Management Group
John Childers Raymond James amp Associates
Matthew Chope Center for Financial Planning
Joseph Ciaramitaro Raymond James amp Associates
Vonda Cini Raymond James amp Associates Page 20
David Clark Birmingham Wealth ManagementMorgan Stanley
Lynn Cluckey Ameriprise Financial Services Inc
Kenneth Coe Integrated Capital Management
William Cole Morgan Stanley
Mill Coleman VALIC Financial Advisors
Anthony Cook Cook Wealth Management
Thomas G Cooper Ameriprise Financial Services Inc
Robert Craun Craun Freeman Tax amp Wealth Management
Joseph Creal Cambridge Wealth Strategies
Margaret Cull Hantz Financial Services
Matthew Cunningham Ameriprise Financial Services Inc
Angela Cusmano Dahring Cusmano and Associates
Floyd Dabney Ameriprise Financial Services Inc
Robert Dagenais Merrill Lynch
Kirk Dahring Dahring Cusmano and Associates
Richard Davenport Raymond James Financial Services
Mark Davis Haas Center for Financial Gerontology
Matthew C Davis LPL Financial
Scott Davis Michigan Financial Companies Page 16
Michael DeLap Securities America Advisors
Chris Demetral Raymond James Financial Services Page 30
Kenneth Demps Morgan Stanley Page 14
Robert Dennis Morgan Stanley Page 14
Michael DeTone VALIC Financial Advisors
Elizabeth Deutch Ameriprise Financial Services Inc
Daniel Dickhudt Thrivent Financial for Lutherans Page 27
Alexander Dinser ING Financial Partners
Brian Donohoe Oppenheimer amp Company
James Downing Ameriprise Financial Services Inc Page 30
Patrick Drouillard Hantz Financial Services
Philip Dubinski Ameriprise Financial Services Inc
Steve DuCharme Ameriprise Financial Services Inc
Bruce Dunbar Raymond James Financial Services
Brendan Dunleavy Michigan Financial Companies Page 16
Christopher Emde Gregory J Schwartz amp Company
Paul Erickson Alpha Asset Advisors
Randy Eschels Eschels Financial Group
Marcella Evans AXA Advisors
David Evola Ameriprise Financial Services Inc
Mary Ewasyshyn Ameriprise Financial Services Inc
Barbara Fanone Priority Wealth Management
Timothy Farris Ameriprise Financial Services Inc
Kevin Ferhadson Ferhadson amp AssociatesAmeriprise Financial Services Inc
J Joseph Fioroni Merrill Lynch
Jason Firek Merrill Lynch Pierce Fenner amp Smith
Michael Fleischer Morgan Stanley
Renee S Floer Ameriprise Financial Services Inc
Robert Frank III Ameriprise Financial Services Inc Page 30
Brian Franke Integrated Capital Management
Jeffrey Fratarcangeli Merrill Lynch
Bruce French Morgan Stanley Page 31
Leif Fry Morgan Stanley
Charles Gabel Gabel Financial Services
Thomas Gackle Lowell Wealth Management
Dan Gardner Michigan Financial Companies
Tina Gelmisi Hantz Financial Services
Kristie Gheysens Detroit Financial Group
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 5
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Joseph Gibson Ameriprise Financial Services Inc
Joe Giordano LPL Financial
Sherry Gira Ameriprise Financial Services Inc
Jill Gleba Gleba amp Associates Page 31
John Goff Retirement Income Solutions
Traver Goodrich Ameriprise Financial Services Inc
Nicole Gopoian CIG Corporation
Kenneth Grace Financial Architects
Marty Grattan Lifetime Planning
David Gravelyn Hantz Financial Services
Richard Gregor Creative Financial Group Page 31
James Griffith Ameriprise Financial Services Inc Page 21
Steven T Guglielmetti Guglielmetti Asset Management
Dicran Haidostian Future Benefits Corporation
Julie Hall Center for Financial Planning
Scott Hammond Morgan Stanley
Shaun Hampton Hantz Financial Services
Craig Harris Merrill Lynch
Felicia Harris Ameriprise Financial Services Inc
Tommi Harris Verde Capital Management
Kenneth Hart Lincoln Financial AdvisorsSagemark Consulting
Lee Hart Hart amp AssociatesAmeriprise Financial Services Inc
Dawn Hausch-Cooper Ameriprise Financial Services Inc Page 31
Russell Henry Financial Planning PartnersRaymond James
Timothy Herbert Timothy Herbert Financial Group
Judi Hernandez Cedar Brook Financial Partners
Robert Hicks Planning Alternatives
Maria Hill Northern Financial Advisors
John Hinnegan Secure Retirement Solutions
Renee Hof-Lacey Morgan Stanley Page 27
Todd Hoover Hoover Irla amp Associates
Nicholas Hopwood Park Avenue Wealth Management
Roger Houston Roger Houston CFP and Associates
Justin Hulett AQuest Wealth Strategies
Kenneth Huner Thrivent Financial for Lutherans
Sam Huszczo Michigan Securities
Henry Ilyasov Ameriprise Financial Services Inc
Mark Ivezaj Ameriprise Financial Services Inc
Jeffrey Ivory JWI amp Associates
Christopher Jaggi Ameriprise Financial Services Inc
Sid Jamil Charles Schwab amp Company
Michael Fisher Jennings Cambridge Consulting Group
Michael Jernukian Merrill Lynch Pierce Fenner amp Smith
Jason Jodway VALIC
Paul Johnson Morgan Stanley
Vera Johnson LPL Financial
Elizabeth Kaniarz Thrivent Financial
Linda Kay Ameriprise Financial Services Inc
Dan Keller Raymond James amp Associates
Michael Kern Jr Kern amp Company Advisory
Charles Kessler Kessler amp Associates
Kevin Kilgren Ameriprise Financial Services Inc Page 21
Gary King Ameriprise Financial Services Inc
Michael Klassa Klassa amp Associates FinancialAmeriprise Financial Services Inc
Robert Kleber Advance Capital Management
Charles Kleinbrook Kleinbrook Financial
Denise Kochanski Merrill Lynch
Michael P Kopko Legacy Consultants Wealth ManagementLPL Financial
Ralph Koss Raymond James
Andrea Kotch-Duda Raymond James
Jonathan Kring Ameriprise Financial Services Inc
Robert Krut Morgan Stanley
Bill Kumm Financial Independence
Raeann Kusch Thrivent Financial for Lutherans
Anthony LaJeunesse TL Financial Group
Gary Lannen Copper Beech Wealth Management
Patrick Lapensee LPL Financial
Alex Lebron LPL Financial
David Lentz Northern Financial Advisors
Paul Leonard Ameriprise Financial Services Inc
John Lesser Plante Moran Financial Advisors
Christopher Letts Morgan Stanley
Jeffrey Lichty Cambridge Investment Research Advisors
Jeffrey Lido Advance Capital Management
Philip Liner Priority Wealth Management
Carol Litka Morgan Stanley
Lisa London Merrill Lynch
Cathleen Lorenz GHD Wealth Management
Steve Lovelace LJH Financial GroupAXA Advisors
Scott Lundberg Lincoln Financial Advisors
Scott Luther Lexington Financial
Donald Lux Simplified Financial Wealth Management amp Advisory Services
Richard Maas Genesis Financial Partners
Shawn MacDonell Hantz Financial Services
Duncan MacEachern Celtic Wealth Management Group
Anne MacIntyre Annie Mac Financial
Gerald Malone Advance Capital Management
Patrick Maly Morgan Stanley Page 32
Gurveer Mann Michigan Financial Companies Page 16
Michael Marcotte JJB Hilliard amp WL Lyons
Timothy J Martin Planned Financial Services
James Mathias Focus Financial Group
Thomas May VALIC Financial Advisors
Mitchell McCann McCann Retirement Strategies
Todd McClain Plante Moran Financial Advisors
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2013 Five Star Wealth
Man
agers
FS 6 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Stuart McCormick Raymond James amp Associates
J Thaddeus McGaffey Ameriprise Financial Services Inc
John McGonagle EPI Advisors
Earl McHugh Detroit Financial Group Page 32
Sara Mehraban Ameriprise Financial Services Inc Page 32
Kimberly Melletat Raymond James amp Associates
Nathan Mersereau Planning Alternatives
Bradley Mikolajczyk Merrill Lynch Global Wealth Management
Christopher Millio Ameriprise Financial Services Inc
Mehul Mistry Secure Planning Strategies
Paul Moceri Merrill Lynch
Bassem Moez LPL Financial
Christopher Mollan LPL Financial
David Mooradian Morgan Stanley
Dennis Mooradian Morgan Stanley
James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
Larry Moss Raymond James amp Associates
Teresa Mulawa Morgan Stanley
Daniel Mulder Ameriprise Financial Services Inc
John Mullins Greystone Financial Group
Keith Murphy LPL Financial
William Murray Backus amp MurrayAmeriprise Financial Services Inc
Don Nadeau Raymond James amp Associates
Peter Nagy Merrill Lynch
Michele Nehls Extra Credit Union Page 32
Charles Nemes Raymond James amp Associates
Craig Nikischer VALIC Financial Advisors
Natalie Norman Raymond James Financial Services
Raymond Ogden National Life Group
Edward Oldani Michigan Financial Companies Page 16
Deanna Olsen Planned Financial Services
Patrick OrsquoNeill Morgan Stanley
Sam Orlando Raymond James Financial Services
Gus Panos Merrill Lynch
Norman Pappas Pappas Financial
James Parker Ameriprise Financial Services Inc
Bruce Parmenter Jr Ameriprise Financial Services Inc
Frank Patrick Ameriprise Financial Services Inc
Michelle Pawl-Gierak ProEquities
Andrew Perri Pinnacle Wealth Management Group Page 23
John Peters Raymond James amp Associates Page 24
Robert Petersmark Petersmark Financial Network Page 33
Alice Pfahlert Ameriprise Financial Services Inc
Wayne Phillips Ameriprise Financial Services Inc Page 18
Kathy Piotrowski Ameriprise Financial Services Inc
Michael Pohlod Ameriprise Financial Services Inc
Jacki Popadich Hantz Financial Services
Michael Popadich Hantz Financial Services
Carol Pope Morgan Stanley
Robert Potter Giles Potter and AssociatesAmeriprise Financial Services Inc
Marc Powers Raymond James Financial Services
Mary Prebish Lincoln Financial Advisors
John Priestap Raymond James Financial Services
Phillip Putney AFS Wealth Mangement Page 28
Robert Rahaim DeSeranno Wealth Planning
Heidi Raine Ameriprise Financial Services Inc
Robin Reading Americas IRA Center
Timothy Reaume Reaume Wealth Management
Laurie Renchik Center for Financial Planning
Karen Rivest John Hancock Financial NetworkMichigan Financial Companies Page 16
Paul Robak Walters Financial Group
John Robbins JFR Financial Services
Mark Rogers Morgan Stanley
Adam Rosier Ameriprise Financial Services Inc
Erin Ross Ameriprise Financial Services Inc
Jack Rothenberg America Group Retirement Strategy Centers
Timothy Rush Raymond James Financial
Jon Russell Merrill Lynch
Joseph Ruzycki Center for Wealth Planning
Jordin Ryan Hantz Financial Services
Joseph Sabelhaus Legacy Wealth Management Group
Rebecca Salama Raine amp SalamaAmeriprise Financial Services Inc
Michael Sanfield Merrill Lynch
Nicholas Sarnacki CIG Corporation
Joseph Saverino Raymond James
Gregory ldquoHGrdquo Schink Merrill Lynch
Colleen Schon Raymond James
Sandra Scolari Strategic Wealth Horizons
Nathan Sealey Brass Ring Wealth Management Page 13
Eric Seger Integrated Capital Management
David Senatore Morgan Stanley
Margie Shard Shard Financial Services Page 29
Michael Shearon Flynn Benefits Group Page 25
Michael Sherer Morgan Stanley
Jason Sherman Financial Advisory at The PrivateBank
Peter Shunyia Merrill Lynch
Connie Simpson Merrill Lynch Pierce Fenner amp Smith
Neeta Singh Ameriprise Financial Services Inc
Amy Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
Professi
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
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onal
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onal
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 3
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Business PlanningMike Amine New England FinancialMetLife
Thomas Beard GHD CPAs and Advisors
NZ Bryant Jr LPL Financial
Ivan Glasser Glasser amp Associates
Lynda Glasser Glasser amp Associates
Jeannine Gleeson Sullivan Ward Asher amp Patton
Robert Gross Siegel Greenfield Hayes amp Gross
Sean Mattson Ameriprise Financial Services Inc
Ann Meehan Einstandig Kline amp Meehan
Melvin Raznick Law Offices of Melvin M Raznick
Shawn Scribner MetLife
Ursula Scroggs Derderian Kann Seyferth amp Salucci
Estate PlanningP Mark Accettura Accettura amp Hurwitz
Page 26
Paul Arslanian The Arslanian Law Firm
Joseph Bonventre Clark Hill
George Cassar Maddin Hauser Wartell Roth amp Heller
Thomas Colarossi Colarossi amp Colarossi
Daniel Cornwell Cambridge Consulting Group
Jack Couzens II Couzens Lansky
Robert Delisi Delisi amp Associates
Randall Denha Denha amp Associates
W Patrick Dreisig Butzel Long
Mark Feinberg Mark L Feinberg
Alan Ferrara Finkel Whitefield Selik
Julius Giarmarco Giarmarco Mullins amp Horton
Kevin Gilhool Kevin M Gilhool
Eric Glick Thav Gross
Jonathan Goldberg Bloom Asset Management
Joel Golden Jaffe Raitt Heuer amp Weiss
Patrick Hall Law Offices of Patrick C Hall
Marc Hallowell Hallowell amp Associates
Gregory C Hamilton Hamilton amp Associates
Amy Hartmann Gandelot amp Associates
Stephen Jones Beier Howlett
Austin Kanter Kanter Associates
Jay Kennedy Warner Norcross amp Judd
Robert Lubera Wakefield Sutherland amp Lubera
Paul Lubienski Paul M Lubienski
J Thomas MacFarlane Clark Hill
Sanford Mall Mall Malisow amp Cooney
Dennis Mitzel Mitzel Law Group
Diana Moak Pugh Moak
Gerald Morello Morello Law Group
Sean OrsquoBryan OrsquoBryan Law Firm
Albert Papa Cambridge Consulting Group
Dan Penning Penning Group Advisors amp Attorneys
Edgar Pugh Jr Pugh Moak
Richard Schloss Hertz Schram
John Selesko Bassey and Selesko
W Craig Sleeman W Craig Sleeman
George Smrtka George M Smrtka
Gordon Snavely Gordon A Snavely
Steven Solys Legacy Private Capital
David Sommerfeld Butzel Long
Mark Stasa Kerr Russell amp Weber
Jeffrey Sternberg Kotz Sangster Wysocki
Michael Sugameli Sugameli amp Sugameli
Thomas Sweeney Clark Hill
Geoffrey Taylor Maddin Hauser Wartell Roth amp Heller
David M Thoms Miller Canfield Paddock and Stone
John Thomson Ufer amp Spaniola
Dennis Valenti Conlin McKenney amp Philbrick
Paul Wakefield Wakefield Sutherland amp Lubera
Thomas Wall Wall Law Group
Matthew Wallace Matthew M Wallace
Nancy Welber Nancy H Welber
Michael Witzke Witzke Berry Carter amp Wander
Sara Zivian Zwickl Zivian amp Zwickl
Financial PlanningSandra Adams Center for Financial Planning
Robert Altizer Raymond James amp Associates
Terry R Altman Global Financial Planning Group Page 30
David Altwerger Morgan Stanley
Jeanne Anderson Molony Securities
Aaron Andreas Baron Wealth Management
Eric Babcock Greystone Financial Group
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FS 4 mdash wwwfivestarprofessionalcom
Special advertiSing Section
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Kristie Gheysens Detroit Financial Group
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Special advertiSing Section
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Richard Gregor Creative Financial Group Page 31
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Kenneth Hart Lincoln Financial AdvisorsSagemark Consulting
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Sam Huszczo Michigan Securities
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Lisa London Merrill Lynch
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Patrick Maly Morgan Stanley Page 32
Gurveer Mann Michigan Financial Companies Page 16
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FS 6 mdash wwwfivestarprofessionalcom
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Stuart McCormick Raymond James amp Associates
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James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
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Special advertiSing Section
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Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
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Anthony Sword Ameriprise Financial Services Inc
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Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
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Andrew Tomlinson ACT Financial Services
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Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
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Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
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Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
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Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
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Timothy Wyman Center for Financial Planning
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Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
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David Zukowski Morgan Stanley
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Mark Baniszewski Oppenheimer amp Company
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James E Bashaw JLB amp Associates
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Matthew Battenberg Wells Fargo Advisors LLC
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David Beaton Ameriprise Financial Services Inc
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Steven Bliss Ameriprise Financial Services Inc
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Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
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Steven Briggs Merrill LynchBank of America
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Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
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Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
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Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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Man
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FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
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Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
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Kenneth DrsquoOrazio Oppenheimer amp Company
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Ronald Eppler Wells Fargo Advisors LLC Page 21
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Stephen Falzone Raymond James amp Associates
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Lawrence Fisher LPL Financial
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John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
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Scott Frush Frush Financial Group
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Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
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Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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2013 Five Star Wealth
Man
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wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
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Michael Krencicki Global Wealth Advisors
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Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
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Joseph Longo Financial Solutions of Michigan
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Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
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Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
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Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
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Dan Mihaescu Ameriprise Financial Services Inc
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Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
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Jeremy Modell Clarkston Capital Partners
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Peg Moore Wells Fargo Advisors LLC
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Timothy Moran Moran amp Company Investment Consulting Group Page 17
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Francis Plummer Plummer Wealth Strategies
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Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
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Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
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Barbara Robins Consolidated Financial Corporation Page 33
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Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
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David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
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Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
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James Speir Speir Financial Services Page 33
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Douglas Spurlock Robert W Baird amp Company
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Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
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Scott Strickland Morgan Stanley
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James Studinger NFP Securities
Joseph A Suski BestVest Investments
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Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
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Bill Turner DB French Page 29
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Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
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Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
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Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
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Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
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Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
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John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
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Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
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Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
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Warren Widmayer Ferguson amp Widmayer
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Dean B Yost CSD Advisors
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Joseph M McGlynn Strobl amp Sharp
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Professi
onal
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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Professi
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2013 Five Star Wealth
Man
agers
FS 4 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Reid Beyerlein Raymond James Financial Services
William Bird Merrill Lynch
Kenneth Bloom Bloom Asset Management
Susan Bommarito Raymond James amp Associates
Linda Bonham Advantage Tax amp Financial Services
Nicholas Bonn Center Street Wealth Strategies
Alicia Botti Ameriprise Financial Services Inc
Laurie Bournias Merrill Lynch
Daniel Boyce The Center for Financial Planning
Robert Bradley Morgan Stanley
Kevin Brennan Brennan Investment ServicesING Financial Partners
Gunther Brieger Ameriprise Financial Services Inc
Kevin Brockman Stonebridge Financial Partners
William Brown Copper Beech Wealth Management
Ralph Bryant Jr Bryant amp AssociatesAmeriprise Financial Services Inc
Douglas Buczak Pacific Financial Group
Shawn Bumgardner Ameriprise Financial Services Inc
Debbie Burkhalter Raymond James Financial Services
Kevin Butler Merrill Lynch
Paul Carnahan Celtic Wealth Management Group
Robert Carris LPL Financial
Bryan Carroll Oppenheimer amp Company
Valerija Castro Ameriprise Financial Services Inc Page 27
James Cattaneo Cattaneo Wealth Management Group
Raymond Celaya Plante Moran Financial Advisors
Daniel Cesta Pinnacle Wealth Management Group
John Childers Raymond James amp Associates
Matthew Chope Center for Financial Planning
Joseph Ciaramitaro Raymond James amp Associates
Vonda Cini Raymond James amp Associates Page 20
David Clark Birmingham Wealth ManagementMorgan Stanley
Lynn Cluckey Ameriprise Financial Services Inc
Kenneth Coe Integrated Capital Management
William Cole Morgan Stanley
Mill Coleman VALIC Financial Advisors
Anthony Cook Cook Wealth Management
Thomas G Cooper Ameriprise Financial Services Inc
Robert Craun Craun Freeman Tax amp Wealth Management
Joseph Creal Cambridge Wealth Strategies
Margaret Cull Hantz Financial Services
Matthew Cunningham Ameriprise Financial Services Inc
Angela Cusmano Dahring Cusmano and Associates
Floyd Dabney Ameriprise Financial Services Inc
Robert Dagenais Merrill Lynch
Kirk Dahring Dahring Cusmano and Associates
Richard Davenport Raymond James Financial Services
Mark Davis Haas Center for Financial Gerontology
Matthew C Davis LPL Financial
Scott Davis Michigan Financial Companies Page 16
Michael DeLap Securities America Advisors
Chris Demetral Raymond James Financial Services Page 30
Kenneth Demps Morgan Stanley Page 14
Robert Dennis Morgan Stanley Page 14
Michael DeTone VALIC Financial Advisors
Elizabeth Deutch Ameriprise Financial Services Inc
Daniel Dickhudt Thrivent Financial for Lutherans Page 27
Alexander Dinser ING Financial Partners
Brian Donohoe Oppenheimer amp Company
James Downing Ameriprise Financial Services Inc Page 30
Patrick Drouillard Hantz Financial Services
Philip Dubinski Ameriprise Financial Services Inc
Steve DuCharme Ameriprise Financial Services Inc
Bruce Dunbar Raymond James Financial Services
Brendan Dunleavy Michigan Financial Companies Page 16
Christopher Emde Gregory J Schwartz amp Company
Paul Erickson Alpha Asset Advisors
Randy Eschels Eschels Financial Group
Marcella Evans AXA Advisors
David Evola Ameriprise Financial Services Inc
Mary Ewasyshyn Ameriprise Financial Services Inc
Barbara Fanone Priority Wealth Management
Timothy Farris Ameriprise Financial Services Inc
Kevin Ferhadson Ferhadson amp AssociatesAmeriprise Financial Services Inc
J Joseph Fioroni Merrill Lynch
Jason Firek Merrill Lynch Pierce Fenner amp Smith
Michael Fleischer Morgan Stanley
Renee S Floer Ameriprise Financial Services Inc
Robert Frank III Ameriprise Financial Services Inc Page 30
Brian Franke Integrated Capital Management
Jeffrey Fratarcangeli Merrill Lynch
Bruce French Morgan Stanley Page 31
Leif Fry Morgan Stanley
Charles Gabel Gabel Financial Services
Thomas Gackle Lowell Wealth Management
Dan Gardner Michigan Financial Companies
Tina Gelmisi Hantz Financial Services
Kristie Gheysens Detroit Financial Group
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 5
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Joseph Gibson Ameriprise Financial Services Inc
Joe Giordano LPL Financial
Sherry Gira Ameriprise Financial Services Inc
Jill Gleba Gleba amp Associates Page 31
John Goff Retirement Income Solutions
Traver Goodrich Ameriprise Financial Services Inc
Nicole Gopoian CIG Corporation
Kenneth Grace Financial Architects
Marty Grattan Lifetime Planning
David Gravelyn Hantz Financial Services
Richard Gregor Creative Financial Group Page 31
James Griffith Ameriprise Financial Services Inc Page 21
Steven T Guglielmetti Guglielmetti Asset Management
Dicran Haidostian Future Benefits Corporation
Julie Hall Center for Financial Planning
Scott Hammond Morgan Stanley
Shaun Hampton Hantz Financial Services
Craig Harris Merrill Lynch
Felicia Harris Ameriprise Financial Services Inc
Tommi Harris Verde Capital Management
Kenneth Hart Lincoln Financial AdvisorsSagemark Consulting
Lee Hart Hart amp AssociatesAmeriprise Financial Services Inc
Dawn Hausch-Cooper Ameriprise Financial Services Inc Page 31
Russell Henry Financial Planning PartnersRaymond James
Timothy Herbert Timothy Herbert Financial Group
Judi Hernandez Cedar Brook Financial Partners
Robert Hicks Planning Alternatives
Maria Hill Northern Financial Advisors
John Hinnegan Secure Retirement Solutions
Renee Hof-Lacey Morgan Stanley Page 27
Todd Hoover Hoover Irla amp Associates
Nicholas Hopwood Park Avenue Wealth Management
Roger Houston Roger Houston CFP and Associates
Justin Hulett AQuest Wealth Strategies
Kenneth Huner Thrivent Financial for Lutherans
Sam Huszczo Michigan Securities
Henry Ilyasov Ameriprise Financial Services Inc
Mark Ivezaj Ameriprise Financial Services Inc
Jeffrey Ivory JWI amp Associates
Christopher Jaggi Ameriprise Financial Services Inc
Sid Jamil Charles Schwab amp Company
Michael Fisher Jennings Cambridge Consulting Group
Michael Jernukian Merrill Lynch Pierce Fenner amp Smith
Jason Jodway VALIC
Paul Johnson Morgan Stanley
Vera Johnson LPL Financial
Elizabeth Kaniarz Thrivent Financial
Linda Kay Ameriprise Financial Services Inc
Dan Keller Raymond James amp Associates
Michael Kern Jr Kern amp Company Advisory
Charles Kessler Kessler amp Associates
Kevin Kilgren Ameriprise Financial Services Inc Page 21
Gary King Ameriprise Financial Services Inc
Michael Klassa Klassa amp Associates FinancialAmeriprise Financial Services Inc
Robert Kleber Advance Capital Management
Charles Kleinbrook Kleinbrook Financial
Denise Kochanski Merrill Lynch
Michael P Kopko Legacy Consultants Wealth ManagementLPL Financial
Ralph Koss Raymond James
Andrea Kotch-Duda Raymond James
Jonathan Kring Ameriprise Financial Services Inc
Robert Krut Morgan Stanley
Bill Kumm Financial Independence
Raeann Kusch Thrivent Financial for Lutherans
Anthony LaJeunesse TL Financial Group
Gary Lannen Copper Beech Wealth Management
Patrick Lapensee LPL Financial
Alex Lebron LPL Financial
David Lentz Northern Financial Advisors
Paul Leonard Ameriprise Financial Services Inc
John Lesser Plante Moran Financial Advisors
Christopher Letts Morgan Stanley
Jeffrey Lichty Cambridge Investment Research Advisors
Jeffrey Lido Advance Capital Management
Philip Liner Priority Wealth Management
Carol Litka Morgan Stanley
Lisa London Merrill Lynch
Cathleen Lorenz GHD Wealth Management
Steve Lovelace LJH Financial GroupAXA Advisors
Scott Lundberg Lincoln Financial Advisors
Scott Luther Lexington Financial
Donald Lux Simplified Financial Wealth Management amp Advisory Services
Richard Maas Genesis Financial Partners
Shawn MacDonell Hantz Financial Services
Duncan MacEachern Celtic Wealth Management Group
Anne MacIntyre Annie Mac Financial
Gerald Malone Advance Capital Management
Patrick Maly Morgan Stanley Page 32
Gurveer Mann Michigan Financial Companies Page 16
Michael Marcotte JJB Hilliard amp WL Lyons
Timothy J Martin Planned Financial Services
James Mathias Focus Financial Group
Thomas May VALIC Financial Advisors
Mitchell McCann McCann Retirement Strategies
Todd McClain Plante Moran Financial Advisors
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 6 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Stuart McCormick Raymond James amp Associates
J Thaddeus McGaffey Ameriprise Financial Services Inc
John McGonagle EPI Advisors
Earl McHugh Detroit Financial Group Page 32
Sara Mehraban Ameriprise Financial Services Inc Page 32
Kimberly Melletat Raymond James amp Associates
Nathan Mersereau Planning Alternatives
Bradley Mikolajczyk Merrill Lynch Global Wealth Management
Christopher Millio Ameriprise Financial Services Inc
Mehul Mistry Secure Planning Strategies
Paul Moceri Merrill Lynch
Bassem Moez LPL Financial
Christopher Mollan LPL Financial
David Mooradian Morgan Stanley
Dennis Mooradian Morgan Stanley
James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
Larry Moss Raymond James amp Associates
Teresa Mulawa Morgan Stanley
Daniel Mulder Ameriprise Financial Services Inc
John Mullins Greystone Financial Group
Keith Murphy LPL Financial
William Murray Backus amp MurrayAmeriprise Financial Services Inc
Don Nadeau Raymond James amp Associates
Peter Nagy Merrill Lynch
Michele Nehls Extra Credit Union Page 32
Charles Nemes Raymond James amp Associates
Craig Nikischer VALIC Financial Advisors
Natalie Norman Raymond James Financial Services
Raymond Ogden National Life Group
Edward Oldani Michigan Financial Companies Page 16
Deanna Olsen Planned Financial Services
Patrick OrsquoNeill Morgan Stanley
Sam Orlando Raymond James Financial Services
Gus Panos Merrill Lynch
Norman Pappas Pappas Financial
James Parker Ameriprise Financial Services Inc
Bruce Parmenter Jr Ameriprise Financial Services Inc
Frank Patrick Ameriprise Financial Services Inc
Michelle Pawl-Gierak ProEquities
Andrew Perri Pinnacle Wealth Management Group Page 23
John Peters Raymond James amp Associates Page 24
Robert Petersmark Petersmark Financial Network Page 33
Alice Pfahlert Ameriprise Financial Services Inc
Wayne Phillips Ameriprise Financial Services Inc Page 18
Kathy Piotrowski Ameriprise Financial Services Inc
Michael Pohlod Ameriprise Financial Services Inc
Jacki Popadich Hantz Financial Services
Michael Popadich Hantz Financial Services
Carol Pope Morgan Stanley
Robert Potter Giles Potter and AssociatesAmeriprise Financial Services Inc
Marc Powers Raymond James Financial Services
Mary Prebish Lincoln Financial Advisors
John Priestap Raymond James Financial Services
Phillip Putney AFS Wealth Mangement Page 28
Robert Rahaim DeSeranno Wealth Planning
Heidi Raine Ameriprise Financial Services Inc
Robin Reading Americas IRA Center
Timothy Reaume Reaume Wealth Management
Laurie Renchik Center for Financial Planning
Karen Rivest John Hancock Financial NetworkMichigan Financial Companies Page 16
Paul Robak Walters Financial Group
John Robbins JFR Financial Services
Mark Rogers Morgan Stanley
Adam Rosier Ameriprise Financial Services Inc
Erin Ross Ameriprise Financial Services Inc
Jack Rothenberg America Group Retirement Strategy Centers
Timothy Rush Raymond James Financial
Jon Russell Merrill Lynch
Joseph Ruzycki Center for Wealth Planning
Jordin Ryan Hantz Financial Services
Joseph Sabelhaus Legacy Wealth Management Group
Rebecca Salama Raine amp SalamaAmeriprise Financial Services Inc
Michael Sanfield Merrill Lynch
Nicholas Sarnacki CIG Corporation
Joseph Saverino Raymond James
Gregory ldquoHGrdquo Schink Merrill Lynch
Colleen Schon Raymond James
Sandra Scolari Strategic Wealth Horizons
Nathan Sealey Brass Ring Wealth Management Page 13
Eric Seger Integrated Capital Management
David Senatore Morgan Stanley
Margie Shard Shard Financial Services Page 29
Michael Shearon Flynn Benefits Group Page 25
Michael Sherer Morgan Stanley
Jason Sherman Financial Advisory at The PrivateBank
Peter Shunyia Merrill Lynch
Connie Simpson Merrill Lynch Pierce Fenner amp Smith
Neeta Singh Ameriprise Financial Services Inc
Amy Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
copy Five Star
Professi
onal
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onal
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onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
copy Five Star
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onal
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onal
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onal
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onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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Professi
onal
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Professi
onal
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onal
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Professi
onal
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onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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Professi
onal
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Professi
onal
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onal
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Professi
onal
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onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 5
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Joseph Gibson Ameriprise Financial Services Inc
Joe Giordano LPL Financial
Sherry Gira Ameriprise Financial Services Inc
Jill Gleba Gleba amp Associates Page 31
John Goff Retirement Income Solutions
Traver Goodrich Ameriprise Financial Services Inc
Nicole Gopoian CIG Corporation
Kenneth Grace Financial Architects
Marty Grattan Lifetime Planning
David Gravelyn Hantz Financial Services
Richard Gregor Creative Financial Group Page 31
James Griffith Ameriprise Financial Services Inc Page 21
Steven T Guglielmetti Guglielmetti Asset Management
Dicran Haidostian Future Benefits Corporation
Julie Hall Center for Financial Planning
Scott Hammond Morgan Stanley
Shaun Hampton Hantz Financial Services
Craig Harris Merrill Lynch
Felicia Harris Ameriprise Financial Services Inc
Tommi Harris Verde Capital Management
Kenneth Hart Lincoln Financial AdvisorsSagemark Consulting
Lee Hart Hart amp AssociatesAmeriprise Financial Services Inc
Dawn Hausch-Cooper Ameriprise Financial Services Inc Page 31
Russell Henry Financial Planning PartnersRaymond James
Timothy Herbert Timothy Herbert Financial Group
Judi Hernandez Cedar Brook Financial Partners
Robert Hicks Planning Alternatives
Maria Hill Northern Financial Advisors
John Hinnegan Secure Retirement Solutions
Renee Hof-Lacey Morgan Stanley Page 27
Todd Hoover Hoover Irla amp Associates
Nicholas Hopwood Park Avenue Wealth Management
Roger Houston Roger Houston CFP and Associates
Justin Hulett AQuest Wealth Strategies
Kenneth Huner Thrivent Financial for Lutherans
Sam Huszczo Michigan Securities
Henry Ilyasov Ameriprise Financial Services Inc
Mark Ivezaj Ameriprise Financial Services Inc
Jeffrey Ivory JWI amp Associates
Christopher Jaggi Ameriprise Financial Services Inc
Sid Jamil Charles Schwab amp Company
Michael Fisher Jennings Cambridge Consulting Group
Michael Jernukian Merrill Lynch Pierce Fenner amp Smith
Jason Jodway VALIC
Paul Johnson Morgan Stanley
Vera Johnson LPL Financial
Elizabeth Kaniarz Thrivent Financial
Linda Kay Ameriprise Financial Services Inc
Dan Keller Raymond James amp Associates
Michael Kern Jr Kern amp Company Advisory
Charles Kessler Kessler amp Associates
Kevin Kilgren Ameriprise Financial Services Inc Page 21
Gary King Ameriprise Financial Services Inc
Michael Klassa Klassa amp Associates FinancialAmeriprise Financial Services Inc
Robert Kleber Advance Capital Management
Charles Kleinbrook Kleinbrook Financial
Denise Kochanski Merrill Lynch
Michael P Kopko Legacy Consultants Wealth ManagementLPL Financial
Ralph Koss Raymond James
Andrea Kotch-Duda Raymond James
Jonathan Kring Ameriprise Financial Services Inc
Robert Krut Morgan Stanley
Bill Kumm Financial Independence
Raeann Kusch Thrivent Financial for Lutherans
Anthony LaJeunesse TL Financial Group
Gary Lannen Copper Beech Wealth Management
Patrick Lapensee LPL Financial
Alex Lebron LPL Financial
David Lentz Northern Financial Advisors
Paul Leonard Ameriprise Financial Services Inc
John Lesser Plante Moran Financial Advisors
Christopher Letts Morgan Stanley
Jeffrey Lichty Cambridge Investment Research Advisors
Jeffrey Lido Advance Capital Management
Philip Liner Priority Wealth Management
Carol Litka Morgan Stanley
Lisa London Merrill Lynch
Cathleen Lorenz GHD Wealth Management
Steve Lovelace LJH Financial GroupAXA Advisors
Scott Lundberg Lincoln Financial Advisors
Scott Luther Lexington Financial
Donald Lux Simplified Financial Wealth Management amp Advisory Services
Richard Maas Genesis Financial Partners
Shawn MacDonell Hantz Financial Services
Duncan MacEachern Celtic Wealth Management Group
Anne MacIntyre Annie Mac Financial
Gerald Malone Advance Capital Management
Patrick Maly Morgan Stanley Page 32
Gurveer Mann Michigan Financial Companies Page 16
Michael Marcotte JJB Hilliard amp WL Lyons
Timothy J Martin Planned Financial Services
James Mathias Focus Financial Group
Thomas May VALIC Financial Advisors
Mitchell McCann McCann Retirement Strategies
Todd McClain Plante Moran Financial Advisors
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 6 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Stuart McCormick Raymond James amp Associates
J Thaddeus McGaffey Ameriprise Financial Services Inc
John McGonagle EPI Advisors
Earl McHugh Detroit Financial Group Page 32
Sara Mehraban Ameriprise Financial Services Inc Page 32
Kimberly Melletat Raymond James amp Associates
Nathan Mersereau Planning Alternatives
Bradley Mikolajczyk Merrill Lynch Global Wealth Management
Christopher Millio Ameriprise Financial Services Inc
Mehul Mistry Secure Planning Strategies
Paul Moceri Merrill Lynch
Bassem Moez LPL Financial
Christopher Mollan LPL Financial
David Mooradian Morgan Stanley
Dennis Mooradian Morgan Stanley
James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
Larry Moss Raymond James amp Associates
Teresa Mulawa Morgan Stanley
Daniel Mulder Ameriprise Financial Services Inc
John Mullins Greystone Financial Group
Keith Murphy LPL Financial
William Murray Backus amp MurrayAmeriprise Financial Services Inc
Don Nadeau Raymond James amp Associates
Peter Nagy Merrill Lynch
Michele Nehls Extra Credit Union Page 32
Charles Nemes Raymond James amp Associates
Craig Nikischer VALIC Financial Advisors
Natalie Norman Raymond James Financial Services
Raymond Ogden National Life Group
Edward Oldani Michigan Financial Companies Page 16
Deanna Olsen Planned Financial Services
Patrick OrsquoNeill Morgan Stanley
Sam Orlando Raymond James Financial Services
Gus Panos Merrill Lynch
Norman Pappas Pappas Financial
James Parker Ameriprise Financial Services Inc
Bruce Parmenter Jr Ameriprise Financial Services Inc
Frank Patrick Ameriprise Financial Services Inc
Michelle Pawl-Gierak ProEquities
Andrew Perri Pinnacle Wealth Management Group Page 23
John Peters Raymond James amp Associates Page 24
Robert Petersmark Petersmark Financial Network Page 33
Alice Pfahlert Ameriprise Financial Services Inc
Wayne Phillips Ameriprise Financial Services Inc Page 18
Kathy Piotrowski Ameriprise Financial Services Inc
Michael Pohlod Ameriprise Financial Services Inc
Jacki Popadich Hantz Financial Services
Michael Popadich Hantz Financial Services
Carol Pope Morgan Stanley
Robert Potter Giles Potter and AssociatesAmeriprise Financial Services Inc
Marc Powers Raymond James Financial Services
Mary Prebish Lincoln Financial Advisors
John Priestap Raymond James Financial Services
Phillip Putney AFS Wealth Mangement Page 28
Robert Rahaim DeSeranno Wealth Planning
Heidi Raine Ameriprise Financial Services Inc
Robin Reading Americas IRA Center
Timothy Reaume Reaume Wealth Management
Laurie Renchik Center for Financial Planning
Karen Rivest John Hancock Financial NetworkMichigan Financial Companies Page 16
Paul Robak Walters Financial Group
John Robbins JFR Financial Services
Mark Rogers Morgan Stanley
Adam Rosier Ameriprise Financial Services Inc
Erin Ross Ameriprise Financial Services Inc
Jack Rothenberg America Group Retirement Strategy Centers
Timothy Rush Raymond James Financial
Jon Russell Merrill Lynch
Joseph Ruzycki Center for Wealth Planning
Jordin Ryan Hantz Financial Services
Joseph Sabelhaus Legacy Wealth Management Group
Rebecca Salama Raine amp SalamaAmeriprise Financial Services Inc
Michael Sanfield Merrill Lynch
Nicholas Sarnacki CIG Corporation
Joseph Saverino Raymond James
Gregory ldquoHGrdquo Schink Merrill Lynch
Colleen Schon Raymond James
Sandra Scolari Strategic Wealth Horizons
Nathan Sealey Brass Ring Wealth Management Page 13
Eric Seger Integrated Capital Management
David Senatore Morgan Stanley
Margie Shard Shard Financial Services Page 29
Michael Shearon Flynn Benefits Group Page 25
Michael Sherer Morgan Stanley
Jason Sherman Financial Advisory at The PrivateBank
Peter Shunyia Merrill Lynch
Connie Simpson Merrill Lynch Pierce Fenner amp Smith
Neeta Singh Ameriprise Financial Services Inc
Amy Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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onal
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onal
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onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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onal
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onal
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onal
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onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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Professi
onal
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Professi
onal
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onal
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Professi
onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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Professi
onal
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Professi
onal
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onal
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Professi
onal
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onal
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 6 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Stuart McCormick Raymond James amp Associates
J Thaddeus McGaffey Ameriprise Financial Services Inc
John McGonagle EPI Advisors
Earl McHugh Detroit Financial Group Page 32
Sara Mehraban Ameriprise Financial Services Inc Page 32
Kimberly Melletat Raymond James amp Associates
Nathan Mersereau Planning Alternatives
Bradley Mikolajczyk Merrill Lynch Global Wealth Management
Christopher Millio Ameriprise Financial Services Inc
Mehul Mistry Secure Planning Strategies
Paul Moceri Merrill Lynch
Bassem Moez LPL Financial
Christopher Mollan LPL Financial
David Mooradian Morgan Stanley
Dennis Mooradian Morgan Stanley
James Moran Oppenheimer amp Company
Sean Moran Morgan Stanley Page 28
Larry Moss Raymond James amp Associates
Teresa Mulawa Morgan Stanley
Daniel Mulder Ameriprise Financial Services Inc
John Mullins Greystone Financial Group
Keith Murphy LPL Financial
William Murray Backus amp MurrayAmeriprise Financial Services Inc
Don Nadeau Raymond James amp Associates
Peter Nagy Merrill Lynch
Michele Nehls Extra Credit Union Page 32
Charles Nemes Raymond James amp Associates
Craig Nikischer VALIC Financial Advisors
Natalie Norman Raymond James Financial Services
Raymond Ogden National Life Group
Edward Oldani Michigan Financial Companies Page 16
Deanna Olsen Planned Financial Services
Patrick OrsquoNeill Morgan Stanley
Sam Orlando Raymond James Financial Services
Gus Panos Merrill Lynch
Norman Pappas Pappas Financial
James Parker Ameriprise Financial Services Inc
Bruce Parmenter Jr Ameriprise Financial Services Inc
Frank Patrick Ameriprise Financial Services Inc
Michelle Pawl-Gierak ProEquities
Andrew Perri Pinnacle Wealth Management Group Page 23
John Peters Raymond James amp Associates Page 24
Robert Petersmark Petersmark Financial Network Page 33
Alice Pfahlert Ameriprise Financial Services Inc
Wayne Phillips Ameriprise Financial Services Inc Page 18
Kathy Piotrowski Ameriprise Financial Services Inc
Michael Pohlod Ameriprise Financial Services Inc
Jacki Popadich Hantz Financial Services
Michael Popadich Hantz Financial Services
Carol Pope Morgan Stanley
Robert Potter Giles Potter and AssociatesAmeriprise Financial Services Inc
Marc Powers Raymond James Financial Services
Mary Prebish Lincoln Financial Advisors
John Priestap Raymond James Financial Services
Phillip Putney AFS Wealth Mangement Page 28
Robert Rahaim DeSeranno Wealth Planning
Heidi Raine Ameriprise Financial Services Inc
Robin Reading Americas IRA Center
Timothy Reaume Reaume Wealth Management
Laurie Renchik Center for Financial Planning
Karen Rivest John Hancock Financial NetworkMichigan Financial Companies Page 16
Paul Robak Walters Financial Group
John Robbins JFR Financial Services
Mark Rogers Morgan Stanley
Adam Rosier Ameriprise Financial Services Inc
Erin Ross Ameriprise Financial Services Inc
Jack Rothenberg America Group Retirement Strategy Centers
Timothy Rush Raymond James Financial
Jon Russell Merrill Lynch
Joseph Ruzycki Center for Wealth Planning
Jordin Ryan Hantz Financial Services
Joseph Sabelhaus Legacy Wealth Management Group
Rebecca Salama Raine amp SalamaAmeriprise Financial Services Inc
Michael Sanfield Merrill Lynch
Nicholas Sarnacki CIG Corporation
Joseph Saverino Raymond James
Gregory ldquoHGrdquo Schink Merrill Lynch
Colleen Schon Raymond James
Sandra Scolari Strategic Wealth Horizons
Nathan Sealey Brass Ring Wealth Management Page 13
Eric Seger Integrated Capital Management
David Senatore Morgan Stanley
Margie Shard Shard Financial Services Page 29
Michael Shearon Flynn Benefits Group Page 25
Michael Sherer Morgan Stanley
Jason Sherman Financial Advisory at The PrivateBank
Peter Shunyia Merrill Lynch
Connie Simpson Merrill Lynch Pierce Fenner amp Smith
Neeta Singh Ameriprise Financial Services Inc
Amy Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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Professi
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onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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onal
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onal
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onal
2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
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The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 7
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Dane Smith Michigan Financial Companies Page 16
Timothy Smith Morgan Stanley
Tom Smith Smith amp AssociatesAmeriprise Financial Services Inc Page 19
Mark Stanko Thrivent Financial
Jonathan Stanley Merrill Lynch
James Stefanski Stefanski Wealth Management Page 33
Robert Steinberg Blue Chip Partners
Jeffrey Stinedurf Financial Directions
Mark Suszan Raymond James Financial
Martin Swiecki CIG Corporation
Anthony Sword Ameriprise Financial Services Inc
Roland Szukhent Ameriprise Financial Services Inc
Brian Teichman America Group
Mark Thistlethwaite Morgan Stanley
Robert Thompson Charles Schwab amp Company
Robert Tomaszewski Raymond James Financial Services
Andrew Tomlinson ACT Financial Services
Scott Torosian Centaurus Financial
Richard Torrenti Morgan Stanley
Daniel Totonchi Merrill Lynch
John Turcotte Heritage Private Wealth
Bradley Turnwald Hantz Financial Services
Fran Twiddy Raymond James Financial Services
Thomas Valade Ameriprise Financial Services Inc
Jason Van Duyn AQuest Wealth Strategies
Pete Vannice Ameriprise Financial Services Inc
Anida Venniro LPL Financial
Salvatore Ventimiglia Great Lakes Wealth Planning
Craig Vrooman Vrooman amp Associates
Adam Walsh Michigan Financial Companies
Dennis C Walters Walters Financial Group
Richard Weinerman Sagemark Consulting
Daniel Welch WWK Advisors
Robert Whitcomb LPL Financial
Jodi Whitmore Morgan Stanley
Joseph Wietecha III Lexington Financial
Justin Williamson Center for Wealth ManagementMetLife
Eric Wolf VALIC
Timothy Wyman Center for Financial Planning
Troy Wyman Center for Financial Planning
Derek Zachariah Ameriprise Financial Services Inc
Doug Zack Merrill Lynch
Beth Zilka Baron Wealth Management
Eric Zimmerman Ameriprise Financial Services Inc
David Zukowski Morgan Stanley
InsuranceJack Bletstein Detroit Financial Group
David Guenther AXA Equitable
Don Hudgens Thrivent Financial for Lutherans
Martin Kelln MetLife Securities
Stuart Raider Raider-Dennis Agency
Charles Rutan St Clair Investment Advisors
InvestmentsAnthony Agosta Wells Fargo Advisors
LLC Page 11
Arnold Alson Merrill Lynch
David Aquilina Wells Fargo Advisors LLC Page 30
Dmitry Arshansky LPL Financial
Frank Arvai Mutual Fund Management Company
Taal Ashmann Morgan Stanley
Edgar Atnip Oppenheimer amp Company
Gary Austin Oppenheimer amp Company
Judith Yahr Bailey Merrill Lynch Pierce Fenner amp Smith
Donald Baker Baker Group Page 20
Bruce Ballard Morgan Stanley Page 12
Mark Baniszewski Oppenheimer amp Company
Joshua Barron JMB Financial Services Group
James E Bashaw JLB amp Associates
John Basista Morgan Stanley
Andrew Bass Telemus Capital
Matthew Battenberg Wells Fargo Advisors LLC
Michael Bauman MB Financial Group
David Beaton Ameriprise Financial Services Inc
John Benedict J2 Capital Management
Rakesh Bharti Ameriprise Financial Services Inc
Michael Bisaro StraightLine
Bradly Blausey Morgan Stanley
Steven Bliss Ameriprise Financial Services Inc
Michael Block Morgan Stanley
Richard Bloom Bloom Asset Management
David Boike Retirement Resources
James Bond Wells Fargo Advisors LLC
Adam Bornstein Merrill Lynch
Brad Bosart The Bosart Investment Counsulting GroupWells Fargo Advisors LLC
Craig Braun Ameriprise Financial Services Inc Page 30
David Bray Edward Jones
Steven Briggs Merrill LynchBank of America
Joel Brown Financial Advisory Associates Page 30
Terry Brown Wells Fargo Advisors LLC Page 26
Leonard Brunkey Keystone Financial Services
Matthew Bucher Merrill LynchBank of America
Joseph Budd Budd Melone amp Company Page 23
Ted Bugenski William Mack amp Associates
Brian Bunge Ameriprise Financial Services Inc
William Burke Morgan Stanley
Mark Burns Burns Investment GroupWells Fargo Advisors LLC
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Professi
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onal
2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 8 mdash wwwfivestarprofessionalcom
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Steven Case Financial Independence Page 30
Catherine A Casteel Ameriprise Financial Services Inc
Dante Cerroni Merrill Lynch Wealth Management
Karen Chapell Retirement Income Solutions
Joseph Ciesinski The America Group RSC
Richard Clark Fentura Financial Partners
Arthur Cole Executive Financial Services
David Collon Seizert Capital Partners
Stephen Cooper Wells Fargo Advisors LLC
Mark Corombos Plante Moran Financial Advisors
John Cozzi Merrill Lynch
Frederick Cross Ameriprise Financial Services Inc
James Cummins Raymond James
Robert Cunningham Morgan Stanley
Dana Czmer Morgan Stanley
Ziad Dallo TD Ameritrade
Quint Dalrymple Ameriprise Financial Services Inc
Nicholas Daniel Daniel Investment Group
Dana Darnell Wells Fargo Advisors LLC
John Daugherty Wells Fargo Advisors LLC
Robert David Morgan Stanley
Robert Declercq Morgan Stanley
Donna DeGennaro DeGennaro Financial
Daniel DeLano Edward Jones
Paul Demark Morgan Stanley
Michael DeMeyere Summit Wealth Strategies Group
Roger Denha BKS Advisors
Steven Desmet Raymond James
Marilyn Dimitroff Capelli Financial Services
Mark Dixon Plante Moran Financial Advisors
Kenneth DrsquoOrazio Oppenheimer amp Company
James Dziadziola Sr Oppenheimer amp Company
Ronald Eppler Wells Fargo Advisors LLC Page 21
Ronald Evans Walker Financial Services
Stephen Falzone Raymond James amp Associates
Allen Ferguson Morgan Stanley
Lawrence Fisher LPL Financial
Jeffrey Fitzgerald Morgan Stanley
John Fleming Lincoln Financial Advisors
Jeffrey Forche Wells Fargo Advisors LLC Page 30
Mark Foster Wells Fargo Advisors LLC
Dana Frellick Morgan Stanley Page 31
Scott Frush Frush Financial Group
David Fulkerson Fulkerson Capital Management Page 31
Jeffrey Furest First Financial Services of MichiganYour Financial Coach
David Gallina Wells Fargo Advisors Financial Network LLC
Duane Garth Garth Financial Group
Kenneth Gass Wunderlich Securities
Glen Gheesling Morgan Stanley
Gregory Gilbert Ameriprise Financial Services Inc
Herbie Glass Glass Retirement Strategies
Mary Glidden Ameriprise Financial Services Inc
Jay Godfrey Robert W Baird amp Company
Erik Gotaas LOC Financial Services
Richard Granger Morgan Stanley
Jeffrey Grant Wells Fargo Advisors LLC
Marc Greenlee Ameriprise Financial Services Inc
Donald Gregg Retirement Funding Advisors Page 27
Steven Grimes Navigators
Thomas Grobbel Morgan Stanley
Robert Groves Wells Fargo Advisors LLC Page 31
Patrick Guentner Worldwide Capital Advisors
James Guest Wells Fargo Advisors LLC
Walid Habboo Wells Fargo Advisors LLC
Gary Haberkorn Oppenheimer amp Company
Glen Hackman Morgan Stanley
Michael Hagenian Charter One Investment Services
Robert Hamilton Morgan Stanley
Joseph Hamo Wells Fargo Advisors LLC
Brock Hastie Retirement Income Solutions
K Larry Hastie Retirement Income Solutions
Scott Hazelton Edward Jones
Charles Helppie Echelon Wealth Management
Daniel Heppler Edward Jones
Gregory Ellis Hill Wells Fargo Advisors LLC Page 22
Gregory Hinkson Hinkson Financial Services
Michael Hohf Advance Capital Management
Daniel Hollander Hollander amp Lone Wealth Management
Jeffrey Hollifield MetLife
Jeffrey Hoppie Morgan Stanley
Jennifer Hopwood Raymond James Financial Services
Raleigh Horne Raymond James Financial Services
Eric Hornyak Concorde Investment Services
Andrew Howard Morgan Stanley Page 28
Samuel Impastato Merrill Lynch
James Jablonski Jablonski Financial Services
Patrick Jakeway Northern Trust Company
Mark Jankauskas Ameriprise Financial Services Inc
George Johnson Cetera Financial
Annette Johnston Ameriprise Financial Services Inc
David Kenny Oppenheimer amp Company
H Todd Kephart Retirement Income Solutions
Jay Keranen Morgan Stanley
Brian Kerber Merrill Lynch
Michael King Ameriprise Financial Services Inc
James Knaus Global Wealth Advisors
Michael Kneale Morgan Stanley Page 15
Joseph C Koch Wunderlich Securities
William Konchal Raymond James amp Associates
copy Five Star
Professi
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onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 9
Special advertiSing Section
award winners listed by primary services and listed alphabetically by last name
Thomas Konopka Morgan Stanley Page 22
Michael Kovie Morgan Stanley Page 31
Nicholas Kozak Merrill Lynch
Kevin Kral Kral Financial Advisors
Donald Krempa Morgan Stanley
Michael Krencicki Global Wealth Advisors
David Kudla Mainstay Capital Management
John Kulhavi Merrill Lynch
Benjamin Kusner Morgan Stanley
Linda La Prad Raymond James Financial Services
Leon LaBrecque LJPR
Thomas Laethem Raymond James amp Associates
Susan Lahay Oppenheimer amp Company
Michael Leshkevich Merrill LynchBank of America
Gerald Levan Morgan Stanley
Cleaton Lindsey Scripter and Associates Page 32
David Long Wells Fargo Advisors LLC Page 22
Joseph Longo Financial Solutions of Michigan
Michael Lopus Plante Moran Financial Advisors
John Low Merrill Lynch
Scott Lowery Raymond James Financial Services
Matthew Ludlow Merrill Lynch
Sandra Lutkenhoff Morgan Stanley Page 32
William Mack William Mack amp Associates
James Maendel Maendel Wealth Management
Patrick Malzone Morgan Stanley
Michael McCauley Community Choice Investment Services
R Griffith McDonald Retirement Income Solutions
Rory McKendrick Morgan Stanley Page 15
Nancy Meconi Plante Moran Financial Advisors
Jody Medford LineGuard Investments
Louis Melone Budd Melone amp Company Page 23
Paul Messiter Stancorp Investment Advisers
Brian Meulebrouck Merrill Lynch
Carl Meyers Raymond James amp Associates
Clifford Migdal Morgan Stanley
Dan Mihaescu Ameriprise Financial Services Inc
Gregory Miller Oppenheimer amp Company
Glen Milligan Ameriprise Financial Services Inc
Mark Minder Minder Planning Group
John Mitchell Oppenheimer amp Company
Kenneth Mittelbrun Morgan Stanley
Joseph Mizzi Merrill Lynch
Joseph Moceri Merrill Lynch
Jeremy Modell Clarkston Capital Partners
Franklin Moore Vintage Financial Services
Peg Moore Wells Fargo Advisors LLC
Luke Moran Merrill Lynch
Timothy Moran Moran amp Company Investment Consulting Group Page 17
Loren Morrison LPL Financial
Robert Morrow Morgan Stanley
Todd Moss Greystone Financial Group
Charles Moyer Hilliard Lyons
Michael Muchortow Muchortow amp Associates
Jay Murray Brehm amp Murray PracticeAmeriprise Financial Services Inc
Christopher Nash Oppenheimer amp Company
Richard Nauer Morgan Stanley Page 32
Steve Nazoyan AXA Advisors
George Nihem Wells Fargo Advisors LLC
Stephen F Nofs Merrill Lynch
Nicole Norris Merrill Lynch
Chad Nyitray MainStreet Financial Services
Charles OrsquoConnor Jr OrsquoConnor Financial Group Page 32
Mark OrsquoDonnell Merrill Lynch
Paul OrsquoKeefe Merrill Lynch
Karla Olson-Bellfi Wells Fargo Advisors LLC
Michael OrsquoToole Merrill Lynch
William Owens Raymond James amp Associates
Bruce Palen Ameriprise Financial Services Inc
Lisa Pallach Morgan Stanley
Robert Parks Morgan Stanley
Michael Passmore Edward Jones
Dan Paulson Robert W Baird amp Company
James Periord Ameriprise Financial Services Inc
James Perri Fairlane Investment Advisors
John Perryman III Merrill Lynch
David Petoskey Wealth Management Services
Violeta Petrovski Wells Fargo Advisors LLC
Tom Pilch LPL Financial
Ryan Plovie Merrill Lynch
Francis Plummer Plummer Wealth Strategies
Randall Potter Randall S Potter
Scott Prechtel Creative Financial Group
Richard Probst Fountainhead Financial Management
Alexander Rasky M3 Investment Services
Susan Reck Merrill Lynch
Bryan Regner Edward Jones
Martin Reid LPL Financial Page 33
Jack K Riashi Jr Bloom Asset Management
David Roberge Merrill Lynch
Barbara Robins Consolidated Financial Corporation Page 33
John Ross Oppenheimer amp Company
Mark Rowley Wells Fargo Advisors LLC Page 28
Keith Rowling Morgan Stanley
David Runyon Morgan Stanley
Michael Sarcheck First Financial Services of Michigan
Victoria Sarda Merrill Lynch
Corey Schepper Bloomfield Hills Financial
Steven Schlafer Morgan Stanley
Shelley Schudlich Oppenheimer amp Company Page 24
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onal
2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
Professi
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 10 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College
award winners listed by primary services and listed alphabetically by last name
David Sculati Lone Pine Wealth Management
Daniel Seder Blue Chip Partners
Kevin Shannon Morgan Stanley
Joel Shayne Morgan Stanley
Kevin Sheard Tactical Allocation Group
Carol Siegel Wells Fargo Advisors LLC
Craig Simmons BKS Advisors
Neil Singal Singal amp AssociatesMerrill Lynch
Jay Smith Raymond James Financial
David Smolarek Center for Wealth Planning
Bradley Sova DFCU Financial
James Speir Speir Financial Services Page 33
Melissa Spickler Merrill Lynch
Douglas Spurlock Robert W Baird amp Company
Jeffrey Stander Morgan Stanley
Gregory Steen Ameriprise Financial Services Inc
Robert Steingold Merrill Lynch Wealth Management
Kevin Stemberger Noble Capital Partners
Ronald Stempin Merrill Lynch
Norton Stern Burns Investment GroupWells Fargo Advisors LLC
John Steves Ameriprise Financial Services Inc
Scott Strickland Morgan Stanley
Jamie Stuart Morgan Stanley
James Studinger NFP Securities
Joseph A Suski BestVest Investments
Mark Sutherland Ameriprise Financial Services Inc
Mitchell Swayze Morgan Stanley Page 15
Colleen Theuerkauf Stroko MacWilliams-Wolf Wealth Management TeamRaymond James
Agostino Tiseo Edward Jones
Bill Turner DB French Page 29
Jeffrey Tutor Merrill Lynch
Stephen Tyranski Morgan Stanley
Peter Uher Sage Hill Capital
Peter Ulbrich Oppenheimer amp Company
Lance Vainik Raymond James Financial Services
Troy Vandenbosch Wells Fargo Advisors LLC
Giovanni Volpe Wells Fargo Advisors LLC Page 33
Chris Walker Investment Counsel Page 29
William Walsh Northstar Financial Partners
Brian Weisman Columbia Asset Management
Michael Welch Robert W Baird amp Company Page 25
Mark Whitfield Edward Jones
Matthew Whitty Gregory J Schwartz amp Company
Scott Whyte Bloom Asset Management
Catherine Wilkinson Edward Jones
Jeffrey Williams Merrill Lynch
James Wirth Raymond James amp Associates
Doug Wood Wells Fargo Advisors LLC
Troy Yaldoo Wells Fargo Advisors LLC
Andrew Zale LPL Financial
Stephen Zink Hilliard Lyons
TaxationMargaret Amsden Clayton amp McKervey
Laura A Arens Derderian Kann Seyferth amp Salucci
William Bacarella Meyer Bacarella amp Associates
Barbara Bierbusse Barbara B Bierbusse CPA
Sidney Blackman Rice amp Blackman CPAs
Peter Boyse Richard J Boyse CPA
Raymond H Cooper Jr Bredernitz Wagner amp Company
Alan Gorski Walter S Gorski amp Company
Leonard Grey Leonard A Grey CPA
John Gurin Gurin amp Gurin
Craig Hale Stewart Management Group
Kay Harris Kay Harris CPA
John Herrinton Berry Moorman
Phillip Hough Wagner amp Hough
Jay Kalisky Robinson Pietras Kalisky amp Company
Marc Kippelman Kushner Kippelman amp Taub CPA
John P Koppin Purdy Donovan amp Beal
Gary Kushner Kushner Kippelman amp Taub CPA
John Lansat John Lansat CPA
Gordon Leff LBF Group
Michael Locricchio Metzler Locricchio Serra amp Company
Jonathan Meeker Hantz Tax amp Business
Lawrence Millman Grant Millman amp Johnson
Barry Petersen Ivers Rickelmann amp Petersen CPAs
Tim Petik Stefforia Petik amp Associates
Ramie E Phillips Jr Ramie E Phillips Jr CPA
Paul Portrey Paul J Portrey CPA
Stevan Raicevich Raicevich amp Bulgarelli
Daryl Rollins Rosenbaum Rollins amp Olah
Brenda Smith Brenda W Smith amp Company CPAsAmeriprise Financial Services Inc
Steven Sovinsky Sovinsky amp Company
Robert Swanson Robert William Swanson CPA
Shirley Toy Korb Toy amp Associates CPAs Page 33
Kathy Underhill Rehmann
Paul Walter Walter Boesky amp Associates Page 33
Warren Widmayer Ferguson amp Widmayer
Steven Woronoff Woronoff Hyman Levenson amp Sweet
Dean B Yost CSD Advisors
Trust ServicesMarilyn Maher Chaness amp Maher CPAs
Joseph M McGlynn Strobl amp Sharp
copy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
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The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 11
Special advertiSing Section
Anthony AgostaManaging Relationships With Wisdom Integrity and Trust
Retirement Income Planning Inclusive of Transition Management Estate Preservation Portfolio Management and Tax Minimization
Left to right Je ery Adams CRPCreg Financial Consultant four-year winner Anthony Agosta CFPreg CRPCreg First Vice President ndash Investments Samara Batres Senior Client Associate
bull Regular face-to-face meetings with our clients is our foundationbull Unbiased advice is delivered with accuracy and integritybull Our approach to portfolio design assists in helping our clients avoid fi nancial mistakes
Our passion lies in helping our clients succeed and making their lives easier It is critical that we listen to our clients and ask the right questions This enables us to apply the appropriate recommendations Committed to being objective and independent we avoid confl icts of interest and our clients always come fi rst Our goal is to provide a superior client experience one that extends value and trust and defi nes
professionalism and sensitivity which leads to confi dence Open informative and face-to-face communication is the cornerstone of our practice Founded in 1987 The Agosta Group of Wells Fargo Advisorsrsquo goal is to build lifelong relationships with our clients utilizing the highest standards in quality trust and integrity
2401 West Big Beaver Road bull Troy MI 48084Office (248) 273-4320 bull Toll-free (888) 641-1242
anthonyagostawfadvisorscom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02113]
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 12 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Bruce K Ballard
Areas of Focus Investment Management and Portfolio Strategies
Four-year winner Bruce K Ballard CFPreg Senior Vice President Financial Advisor Senior Institutional Consultant
bull Customized portfolio strategiesbull Regular investment review processbull 30 years with the same top-level fi rm
When it comes to fi nancial planning one size does not fi t all Your investment portfolio and wealth-building strategies should be as individual as you are
Investors often analyze the costs and benefi ts of their cellphone Internet and cable plans more often than their asset allocations investment fees and portfolio returns
If you are considering a second opinion on your portfolio or investment strategy and have assets of more than $2 million please phone (800) 285-2214 at your convenience to schedule a confi dential no-obligation appointment
40701 Woodward Avenue Suite 200 bull Bloomfield Hills MI 48304Office (248) 723-1840 bull Toll-free (800) 285-2214
brucekballardmorganstanleycom bull wwwmorganstanleyfacomballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients each of which may create a different type of relationship with different obligations to you Please visit us at wwwmorganstanleyindividualcom or consult with your Financial Advisor to understand these differences
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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onal
2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 13
Special advertiSing Section
Brass Ring Wealth ManagementldquoAn Investment Is Not a Planrdquo
For More Than 14 Years Our Specialty Has Been Income Tax and Retirement Distribution PlanningAfter All Itrsquos Not What You Earn but What You Keep
Left to right Tim Good two-year winner Nathan Sealey CFPreg ChFCreg CLUreg CASL Michael Moleski Mark Urbonas
bull Independent fi duciary advicebull Vast products and servicesbull Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and operated corporation based in Clarkston Michigan
BRWM was founded in an eff ort to be diff erent from the traditional fi rms brokers and insurance agents you may have known
Our focus on taxes and matching the purpose of your money sets us apart contact us to fi nd out what our clients already know
7300 Dixie Highway Suite 800 bull Clarkston MI 48346Toll-free (855) BRASSRW bull Local (248) 913-2321
infobrassringwealth bull wwwbrassringwealthcomSecurities and Investment Advisory Services o ered through NEXT Financial Group Inc Member FINRASIPC A registered broker dealer and investment adviser registered with the US Securities and Exchange Commission Brass Ring Wealth
Management is not a liated with NEXT Financial Group Inc Products and or riders may not be available in all states and markets Features and bene ts may also vary by state or market Check with your registered representative for state availability and limitations The return of principal value of a portfolio will uctuate and when reduced may be worth less that the original cost Working with a Five Star Wealth Manager is not indicative of the wealth managerrsquos future
performance 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 Five Star Professional or any other entity
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 14 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Demps Group at Morgan StanleyThe Knowledge Experience and Integrity to Build and Maintain Trusted Relationships
Comprehensive Financial Planning Retirement Planning Investment Management Income Distribution Planning
Left to right Back row Sheetal Patel Registered Client Service Associate Justin Riley Financial Advisor Lawrence Nalepa Registered Client Service Associate Jill Liley Senior Client Service Associate
Front row 2012 and 2013 winners Kenneth Demps Senior Vice President Financial Advisor Investment Management Consultant and Bob Dennis CFPreg Financial Advisor
bull We carefully listen to understand all of our clientsrsquo dreams and goalsbull We use the world-class resources of Morgan Stanley to analyze your unique situationbull We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis along with the entire Demps Group take great pride in our commitment to help you achieve fi nancial success This begins with Ken and Bob learning what is important to you by listening to your unique circumstances Then we analyze your specifi c situation preferences and goals to formulate a comprehensive strategy Whether your issues are tax-effi cient investing preparing for retirement wisely managing your retirement legacy planning or funding for a college education our team pays attention to all the details important to your
family Our clients have come to know that we continuously listen which enables us to monitor their situation and make appropriate and disciplined recommendations as both their lives and the world evolves
We would like to thank our clients whom we are fortunate to serve for helping us to be included in this distinguished group of wealth managers We are grateful for the trust you have placed in our team since 1984 It is our commitment to helping you achieve your goals that allowed us to receive this recognition
1108 North Main Street bull Rochester MI 48307Phone (877) 398-5926 bull Fax (248) 218-8301wwwmorganstanleyfacomthedempsgroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters
Two-
Year
Winn
ercopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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onal
2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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onal
2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 15
Special advertiSing Section
The KSG Group at Morgan StanleyKnowledge bull Strategies bull Guidance
Left to right Standing Christopher Kneale Financial Advisor Associate four-year winner Michael Kneale CPMreg Senior Vice President Wealth Advisor Portfolio Manager Gary Sienkiewicz Registered Marketing Associate
four-year winner Mitchell Swayze CFPreg Senior Vice President Wealth AdvisorSeated Stacie Sevel Senior Registered Client Service Associate 2013 winner Rory McKendrick Financial Advisor and
Aileen DrsquoAgostino Senior Registered Client Service Associate
bull Financial estate trust and insurance planningbull Retirement planning and retirement plan creationbull Investment portfolio management and investment advisory services
The KSG Group with four-year winners Michael Kneale and Mitch Swayze and 2013 winner Rory McKendrick brings an experienced team-based approach to help address the investment and fi nancial planning needs of families and business owners
Our goal is to provide the tools and avenues to help achieve desired goals The KSG Group is well equipped to assist you in meeting your fi nancial pursuits and are extremely grateful to be part of such a rewarding profession
220 Park Street Suite 220 bull Birmingham MI 48009Phone (248) 258-1750 bull Fax (248) 282-7162
mikeknealemscom bull mitchellswayzemscom bull wwwmorganstanleyfacomtheksggroup
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 16 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Michigan Financial TeamRelationships Built on Trust Not Transactions
Left to right Back row Three-year winners Dane Smith CLUreg ChFCreg Executive Director of Financial Planning Lawrence J Stack CLUreg ChFCreg MSFS Vice President of Financial Planning and Gurveer Mann Investment Advisor
Representative four-year winner Brendan G Dunleavy CPAreg Executive Director 2013 winner Scott Davis CFPreg CLUreg ChFC Executive Director of Financial Planning
Front row 2013 winner Andrew Behm Investment Advisor Representative three-year winner Karen Rivest Registered Representative 2013 winner Edward F Oldani Registered Representative
bull Customized portfolio design with a personal approach to investment and retirement strategiesbull Dedicated to the service support and success of our clientsbull Asset protection and risk management planning services
Wealth management is more than just investments These Five Star Wealth Managers provide true comprehensive wealth management services to individuals executives and small-business owners that help them to meet their fi nancial objectives The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies for each of their clients based on their investment goals risk tolerance and time horizon These strategies help provide ldquopeace of mindrdquo about retirement income and the most eff ective methods to transfer family assets
28411 Northwestern Highway Suite 1300 bull Southfield MI 48034Office (248) 663-4700 bull Fax (248) 827-7378
wwwmichiganfinancialcom
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 in the future Inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional HOUR Detroit
or DBusiness magazine Registered RepresentativeSecurities and Investment Advisory Services offered through Signator Investors Inc Member FINRA SIPC a Registered Investment Advisor Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network 225-20130416-139771
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
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onal
2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 17
Special advertiSing Section
Timothy R MoranExcellence Is Our Habit Integrity Our Priority
Our Approach Is Personalized Because Your Needs Are Unique
Left to right Nancy Lyon Becky Goodrickthree-year winner Tim Moran Managing Partner Senior Financial Advisor Leslie Lockhart Amy Marchionda
bull Retirement planningbull Charitable givingbull Business succession
At Moran amp Company Investment Consulting Group our goal is to provide you with quality advice sound results and exceptional service during every stage of your life mdash and for generations to come Our team takes pride in our high level of professionalism and our standard of ethics By taking the
time to understand your unique values and priorities we are better equipped to help you realize your vision and the legacy you wish to leave behind We are committed to helping you manage your fi nancial life today and pursue realistic goals for tomorrow
400 Water Street Suite 204 bull Rochester MI 48307Phone (248) 652-2599 bull Toll-free (888) 262-2974tmoranwfafinetcom bull wwwMoranInvestcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment Products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate non-
bank affiliate of Wells Fargo amp Company Moran amp Company Investment Consulting Group is a separate entity from WFAFN [CAR 0313-04857]
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 18 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Wayne E Phillips
Experienced Insightful Personal
Approach to Help You Plan
Four-year winner Wayne E Phillips Financial Advisor ChFCreg CRPCreg AAMSreg CRPSreg AWMAreg CMFCreg
bull Customized comprehensive long-term fi nancial planning approach
bull Specialized strategic portfolio design
bull Working with families and business owners on estate planning strategies
Areas of Focus Financial Plans Asset Management Retirement Income Estate Planning Strategies Preserve Wealth Family Security
In todayrsquos world you need a fi nancial advisor to help you develop a comprehensive fi nancial strategy Your portfolio is complex Finding a fi nancial advisor with the specialized skills to help you manage it is not Your portfolio has reached the point where it requires a diff erent level of attention As a result you need a diff erent level of fi nancial advisor to help you
Wayne joined Ameriprise Financial in 1996 Being an experienced advisor he knows that everyonersquos fi nancial picture is diff erent Wayne works with each client to design a custom plan to help them work toward and maintain what is most important to them He is licensedregistered to conduct
certain business in 11 states and helps clients in those states plan their goals Wayne is committed to doing all he can to assist you in planning to achieve your fi nancial dreams and life goals whatever your stage in life
Wayne is involved in the community with service as assistant varsity basketball coach at Renaissance High School and Treasurer of the Michigan Black Chamber of Commerce He also sits on the boards of Third Eye Inc MCOD Scholarship Foundation Prince Hall Foundation of Michigan Geometry Foundation and the Walter P Harris Foundation
751 West Boston Boulevard bull Detroit MI 48202Office (313) 867-2332 bull Fax (313) 867-2333
wayne2phillipsampfcom bull ameripriseadvisorscomwayneephillipsInvestors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 19
Special advertiSing Section
Tom Smith andAmy Smith
We Think Therersquos More to Life Than
Money and the Markets Do You
Left to right Four-year winner Tom Smith CFPreg CLUreg ChFCreg Financial Advisor Managing Director and three-year winner Amy Smith CRPCreg
Financial Advisor President
bull Clients we work with are busy successful people who value simplifying their lives by having our team help them with fi nancial issues We develop intergenerational planning relationships that align actions with values We believe to whom much is given much is expected
Areas of Focus Comprehensive Approach to Wealth Management and Legacy Planning Strategies
We begin with a values exercise We help clients be better stewards with their money We talk about their parents their kids and life after ldquoretirementrdquo We lead clients through discussions about life doing our best to provide useful advice about more than their investment portfolio If your values
include faith family health and relationships please call Tom personally Amyrsquos niche is $1 to $5 million in assets mdash we have the resources to help if you have more or less Our thanks to the clients and peers who have supported us Clientsrsquo loyalty is not taken for granted You remain in our hearts and minds
Smith amp Associates A private wealth advisory practice of Ameriprise Financial Services Inc26200 Town Center Drive Suite 250 bull Novi MI 48375
Office (248) 349-4540 bull Tom (248) 459-7300amylsmithampfcom bull thomasesmithampfcom bull amysmithandassociatescom
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 20 mdash wwwfivestarprofessionalcom
Special advertiSing Section
The Baker Group
Navigate Your Financial Future With The Baker Group
bull Investment and risk management
bull Business and benefi ts planning
bull Preserve and grow your portfolio
Left to right D Gregory Baker CAPreg President two-year winner Donald B Baker CLUreg CAPreg Chairman Kevin M Murphy CFPreg Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with our ldquoput-the-client-fi rstrdquo philosophy Donald has recently been recognized as Five Star Wealth Manager featured in HOUR Detroit magazine The Baker Group a multigenerational fi rm focused on serving business owners and professionals We help them to build wealth while attempting to reduce risk and protect their legacy Independent and fee based we strive to select the best strategies to help meet our clientsrsquo goals Thank you
26400 Lahser Road Suite 312 Southfi eld MI 48033
Offi ce (248) 355-4100 Toll-free (888) 234-3451
dbakerbakergrouporg wwwbakergrouporg
Securities and Investment Advisory Services offered through NFP Securities Inc (NFPSI) member FINRASIPCThe Baker Group is a member of Partners Financial an affiliate of NFPSI The Baker Group and NFPSI are not affiliated
Two-
Year
Winn
er
The Cini Wealth Management Group of Raymond James
Built on a Foundation of Ethics Integrity and Trust
bull Long-term investing approach
bull Customized and individualized portfolios
bull Strategic retirement and goal planning
Left to right Bryan Morgan four-year winner Vonda Cini CFPreg Vice President ndash Investments David Cini Pat Moutzalias
For more than 20 years Cini Wealth Management has been dedicated to the success of their clients through quality planning and thoughtful advice
Serving the Downriver community we assist clients and their families in developing strategic fi nancial plans designed so they may exceed their fi nancial goals We focus on each clientrsquos complete fi nancial picture mdash from planning for retirement to establishing a comprehensive estate plan
3003 Biddle Avenue Wyandotte MI 48192
Direct (734) 285-2175 Offi ce (734) 283-4720
vondaciniraymondjamescom wwwraymondjamescomcini
Raymond James amp Associates Inc member New York Stock ExchangeSIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
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onal
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onal
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onal
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onal
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 21
Special advertiSing Section
Ronald Eppler
Your Personal CFO
bull Customized options to help reach fi nancial goals
bull Personal time and attention with each client
bull Committed to the community
Left to right Neil Weissman two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides high-net-worth individuals and families with customized fi nancial options to help them reach their goals The Ann Arbor-based team led by advisors Neil Weissman Ronald Eppler and Anthony Showich assists clients by helping to grow their portfolios and minimize risk The team helps families expand their wealth and realize new opportunities through personalized service time and attention
2723 South State Suite 320Ann Arbor MI 48104
Offi ce (734) 668-4332 bull Cell (734) 673-3723
ronaldepplerwellsfargoadvisorscom weissmanepplershowichwfadvcom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02981]
Two-
Year
Winn
er
Jamie GriffithKevin Kilgren
Teamwork bull Relationships bull Service
bull We help clients visualize their fi nancial goals
bull Helping you defi ne your goals and risk tolerance
bull We work as a team with you and track your progress along the way
Left to right Three-year winner Jamie Gri th MBA CRPCreg Financial Advisor Angela Williamson Client Service Coordinator three-year winner Kevin Kilgren JD Financial Advisor
Why work with us As fi nancial advisors we take the time to listen and understand helping you to visualize your dreams and goals Working together we will help you invest and manage your money to help bring your dreams more within reach
We would like to thank the clients whom we are lucky to serve for helping us to be included in this distinguished group of wealth managers for the third consecutive year We are grateful for your continued business support and long-term relationships that helped us to achieve this honorPlease visit us at ameripriseadvisorscomkevinrkilgren and ameripriseadvisorscomjamesrgriffi th
Griffi th amp Kilgren a fi nancial advisory practice of Ameriprise Financial Services Inc
37677 Pembroke Avenue Livonia MI 48152
Phone (248) 715-4055
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
copy Five Star
Professi
onal
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onal
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 22 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Gregory Ellis HillDavid Long
Experience and IntegrityClient-Based Advice
bull We listen understand and clarify
bull Intelligent fi nancial strategies
bull In-depth analysis and regular feedback
Left to right Three-year winner Gregory Hill Vice President ndash Investments and 2013 winner David Long CRPCreg Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of combined investment experience Their experience and broad array of company resources empower their clients to take the proactive path toward fi nancial success They use a disciplined long-term approach to wealth management solutions and investing including stocks and bonds (taxable or tax advantaged) mutual funds ETFs annuities or diversifi ed global portfolios They appreciate the trust clients place with them and pride themselves on the strong enduring relationships we share with individuals and their families
31440 Northwestern HighwayFarmington Hills MI 48334
Phone (248) 737-8440Toll-free (800) 537-4509
GregoryHillWFAdvisorscomHomeWellsFargoAdvisorscomGregoryHill
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-03094]
Investment and insurance products
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Thomas M Konopka
bull Comprehensive wealth management strategies
bull Investment management
bull Proactive portfolio strategies and investment management
Left to right Three-year winner Thomas Konopka Senior Vice President Financial Advisor John Crandall CFPreg Registered Marketing Associate
Having been selected as a Five Star Wealth Manager Tom with his Registered Marketing Associate John works with businesses individuals trusts and foundations around the United States to help grow protect and preserve their fi nancial assets Tomrsquos practice is based on the fundamental principle of ongoing asset allocation and risk-management advice He uses customized income strategies to help meet clientsrsquo income needs and diversify their portfolios Morgan Stanleyrsquos global capabilities allow him to bring world-class resources to his clients
40701 Woodward Avenue Suite 200Bloomfi eld Hills MI 48304
Phone (248) 723-1815
thomasmkonopkamorganstanleycomjohnmcrandallmorganstanleycom
Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the USwhich it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Asset allocation and diversification do not guarantee a profit or protect against a loss
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 23
Special advertiSing Section
Lou MeloneJoe Budd
Trust Is the Most Valuable Assettrade
bull Retirement income planning
bull Business succession planning strategies
bull Investment planning
Left to right Three-year winner Joe Budd CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner Margaret Anderson and four-year winner Lou Melone CERTIFIED FINANCIAL PLANNERtrade practitioner Managing Partner
Life is a journey hellip have a plan Planning is the focus they have embraced since the fi rmrsquos cofounders started their careers in the fi nancial advisory industry more than 18 years ago From the beginning they witnessed an industry too often product driven rather than planning driven ldquoWe off er retirement income planning because we believed there was value in providing that type of guidance to business owners and familiesrdquo says Lou Melone The plan should drive the portfolio
3121 University Drive Suite 180Auburn Hills MI 48326
Toll-free (877) 293-5830
lmelonewfafi netcomwwwbuddmelonecom
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Investment products and services offered through Wells Fargo Advisors Financial Network LLC (WFAFN) Member SIPC a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company Budd Melone and Company LLC is a separate entity from WFAFN [CAR 0413-01484]
Andrew Perri
Asking the Right Questions
bull Should I be invested for growth or principal protection
bull Will my life savings last as long as I do
bull Does my advisor have a strategy if conditions change
Left to right Mark Wojno CPA Nadine Burns MBA and three-year winner Andrew Perri RFCreg CWS
For more than 17 years we have successfully helped our clients develop and plan for their fi nancial goals We understand that a fi nancial game plan is much more than just numbers it entails your hopes your dreams and your aspirations
We recognize that life and fi nancial markets are unpredictable demanding that your fi nancial and investment strategies evolve as changes occur Let us help you with regular check ups on the health of your wealth Wersquoll be there for you your family and your fi nancial future no matter what life throws your way
Areas of focus retirement income planning fee-based active portfolio management and alternative investments
230 North Second Street Suite 200Brighton MI 48116
Phone (810) 220-6322Toll-free (800) 650-6322
wwwpinnaclewealthonlinecom
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher amp Company Financial Services Inc (BFCFS) Member FINRASIPCPinnacle Wealth Management is independent of BFCFS There are risks involved with investing which may include market fluctuation and possible loss of principal value
Particular investments may not be suitable for certain situations This material does not constitute an offer to buy or sell any security
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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onal
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 24 mdash wwwfivestarprofessionalcom
Special advertiSing Section
John F Peters
Personalized Planning toPreserve and Grow Your Wealth
bull Concierge level of client service
bull Objective advice mdash long-term experience
bull Relationships built on trust
Left to right Timothy Keefe Sr Vice President Raymond James Trust Consultant Laura Eldon Registered Service Associate three-year winner John F Peters Sr Vice President Investments Wealth Management Specialist
For nearly 30 years Ive become my clients advocate in achieving their fi nancial and life goals Using a variety of wealth management tools we turn complex strategies into concepts my clients can understand My passion to assist in planning for lifes dreams positions me as their go-to resource and in turn helps remove stress and complications from their already busy lives I work with generations of families as a life-long advisor to build wealth and preserve legacies
325 North Old Woodward Suite 320 Birmingham MI 48009 Phone (248) 540-3733
Toll-free (800) 544-8754 JohnPetersRaymondJamescom
wwwraymondjamescomjohnpeters
copy 2013 Raymond James amp Associates Inc member New York Stock ExchangeSIPC
Shelley L Schudlich
Building Financial BridgesOne Client at a Time
bull Wealth accumulation and transfer strategies
bull Wealth protection and preservation
bull 25-year industry veteran
2013 winner Shelley L Schudlich Director ndash Investments
Your fi nancial needs are unique to your personal well-being business family and community Your wealth presents opportunities and challenges that require your attention Like any successful undertaking or endeavor managing your wealth requires a well-thought-out plan that anticipates your needs and prepares you for the future Life is unpredictable mdash but together we can make common-sense investment decisions about things you can control Call or visit us today
Oppenheimer amp Co Inc 810 Michigan Street
Port Huron MI 48060
Offi ce (810) 987-1500 Toll-free (800) 321-5401
shelleyschudlichopcocom wwwopcocom
Oppenheimer amp Co Inc Transacts Business on All Principal Exchanges Member SIPC
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 25
Special advertiSing Section
Michael F Shearon
Retirement Plan Consultants and Co-Fiduciaries
bull 401(k) provider benchmarking comparison and searches
bull Quarterly investment performance and expense monitors
bull Co-fi duciary services and due diligence documentation
Left to right Ginger M Erickson AIFreg 2013 winner Michael F Shearon AIFreg
With more than 40 years of combined experience as trusted advocates for everyone from plan sponsors and participants to individuals and families we take a competitive approach to setting and achieving retirement goals
As co-fi duciaries striving to improve investment outcomes we protect our valued clients from unnecessary risks on the way to realizing their objectives
We share your concern about fi duciary liability poor performance excessive fees or the lack of due diligence and we welcome the opportunity to provide you with the kind of service you deserve
3001 West Big Beaver Road Suite 100Troy MI 48084
Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353
mshearonfl ynnbenefi tscomwwwfl ynnbenefi tscom
Securities and Investments Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Flynn Benefits Group
Michael J Welch
Experience bull IntegrityTrust bull Competence
bull More than 50 years of combined fi nancial services experience
bull Investment management for individual business owner and nonprofi t clients
bull Provide customized objective solutions to your fi nancial needs
Left to right Four-year winner Michael J Welch Managing Director Senior Investment Consultant CRCreg Ann M Joyce
Mike works closely with individuals professionals business owners and nonprofi ts to evaluate their needs and provide them with creative solutions Before any recommendation is made Mike gives attention and extensive analytical work to a clientrsquos time horizon risk profi le income needs tax situation and estate and wealth transfer goalsThrough 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 amp Company Inc 300 Park Street
Birmingham MI 48009
Phone (248) 594-9959 Toll-free (888) 594-9959
mwelchrwbairdcom
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onal
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
FS 26 mdash wwwfivestarprofessionalcom
Special advertiSing Section
P Mark Accettura Esq
Farmington Hills MI 48331 Phone (248) 848-9409 maccetturaelderlawmicom wwwelderlawmicom
bull Estate and elder law bull Medicaid veteransrsquo benefi ts and special needs bull Probate mediation and confl ict resolution
Focus on Estate and Elder Law
Our expert team of lawyers applies cutting-edge techniques to avoid probate protect those with special needs obtain benefi ts for veterans and Medicaid for clients who can no longer live independently We follow our clients and families from cradle to grave We are committed to educating our clients sending a bi-annual newsletter and off ering annual client seminars in fi ve locations Markrsquos fourth book Blood amp Money Why Families Fight Over Inheritance and What to Do About It (available on Amazoncom and BarnesandNoblecom) has won numerous awards including runner up at both the 2011 London and Paris Book Festivals
Raphael Betanzos
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 343-8463 Toll-free (800) 486-3347 raphaelbetanzosmscom
bull Helping clients with wealth creation and preservation bull Personalized goal-driven strategies bull Integrity honesty and service
Institutional Type Investing for Individuals
Trust is paramount I work for clients and their best interests The focus is always on the client and their goals My goal is to build long-term relationships which concentrate on the clientUsing cutting-edge investment processes and modern portfolio management I endeavor to control risk and seek to deliver consistent steady returnsMr Betanzos is a three-year Five Star Wealth Manager
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Senior Consultant Wealth Advisor
Joe Betcher
12900 Hall Rd Ste 435 Sterling Heights MI 48313 Offi ce (586) 726-8866 jbetcherbetcherfgcom wwwBetcherFGcom
bull Chairmans Council Qualifying Member bull Qualifying and Life Member of MDRT bull Top of the Table Member of MDRT
Financial Strategies Redefi ned
At Betcher Financial Group we pride ourselves on hiring and developing hardworking dedicated professionals with a client-centric focus We are committed to providing our clients with a strategic course of action that will help with long-term fi nancial goals My fi rms growth and success is a direct result of the continued support of our valued clients and the strength of my team
Securities offered through The ON Equity Company Member FINRASPIC Investment Advisory Services offered through ON Investment Management Company
Managing Partner RFCreg
Two-
Year
Winn
er
Terry Brown
255 E Brown St Ste 400 Birmingham MI 48009
Phone (248) 433-8352 Toll-free (800) 521-9463 terrybrownwellsfargoadvisorscom
bull Personalized process for advising clients bull Investing based on life goals and risk tolerance bull Exceptional level of service and monitoring progress
Financial Pathway for a Secure Future
Since his start in the fi nancial services industry in 1985 Terry Brown has used his fi nancial education and knowledge to provide investment advice and wealth-building strategies
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0313-01794]
First Vice President ndash Investmentscopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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onal
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onal
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
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onal
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onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 27
Special advertiSing Section
Valerija E Castro
101 W Big Beaver Ste 425 Troy MI 48084 Offi ce (248) 925-4408 valerijaecastroampfcom wwwameripriseadvisorscomvalerijaecastro
bull Retirement planning strategies bull Cash-fl ow management strategies bull Wealth preservation strategies
Knowledge Makes the Diff erence
I am passionate about working with my clients and want them to experience fi nancial confi dence now and in retirement I will look at your entire fi nancial picture mdash cash reserves debt management investments protection and taxes
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success 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
Financial Advisor
Daniel Dickhudt
13424 Dix Toledo Rd Southgate MI 48195
Offi ce (734) 284-1838 Ext 11 DanDickhudtthriventcom wwwthriventcomfrdandickhudt
bull Investment management bull Retirement income distribution strategies bull Fee-based fi nancial planning
Customized Advice Makes a Diff erence
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal accounting or tax advice or services Work with your Thrivent Financial representative
and as appropriate your attorney andor tax professional for additional information Securities and investment advisory services are offered through Thrivent Investment
Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans Thrivent Financial
representatives are registered representatives of Thrivent Investment Management Inc They are also licensed insurance agentsproducers of Thrivent Financial Fee-based investment advisory services are available through qualified investment advisor representatives only
Financial Consultant
Donald I Gregg
Retirement Funding Advisors Inc 3155 W Big Beaver Rd Ste 119 Troy MI 48084
Offi ce (248) 620-8035Cell (248) 703-1489
dgreggretirementfundingadvisorscom
wwwRFAAdvantagecom
bull Assessing potential investment returns risks and suitability bull Identifying and planning for cash-fl ow needs bull Balancing wealth preservation and growth
Investing With a Purpose Requires
For individuals RFA creates a distinct investment strategy for your goals such as college preparing for retirement and estate planning For 401(k) and 403(b) plans RFA creates multiple risk-based model portfolios from a customized investment menu This allows participants to invest in a well-diversifi ed investment strategy based on their risk profi le For endowments and foundations RFA identifi es a sustainable balance between growing the portfolio and generating income in accordance with your investment policy statement
President
Renee J Hof-Lacey
220 Park StBirmingham MI 48009
Direct (248) 258-1182Toll-free (800) 258-1750Reneehofmorganstanleycom Morganstanleyfacomreneehof
bull Personal professional caring advicebull Client-focused investment management bull Reliable advice for wealth preservation and accumulation
Knowledge bull Integrity bull Honesty
Renee has been with Morgan Stanley for more than 20 years As a fi nancial advisor she continues to grow her practice with knowledge ethical personalized advice with exceptional client service ldquoI am fortunate to have many wonderful client relationships I wish to express my immense gratitude to themrdquo
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning and other tax matters
Associate Vice President Financial Advisor
copy Five Star
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2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
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onal
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Professi
onal
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onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
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onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
copy Five Star
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Professi
onal
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onal
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Professi
onal
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onal
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Professi
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 28 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Andrew J Howard
130 Kercheval AveGrosse Pointe MI 48236
Direct (313) 343-8471Toll-free (866) 835-7845andrewhowardmscom
bull Conservative customer-fi rst approachbull Customized portfolio strategiesbull Consistent reliable service
Experience bull Integrity
Andrew has been helping individuals and business owners defi ne and achieve their goals of growing and preserving wealth for more than 27 years He values his collaboration with some of the best local CPAs and attorneys as well as the industryrsquos most seasoned and respected investment professionals Andrew is humbled by the confi dence and trust his clients place with him and is grateful for the honor of the Five Star Professional award
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Two-
Year
Winn
er
Sean P Moran
130 Kercheval Ave Grosse Pointe Farms MI 48236 Phone (313) 642-5918 seanpmoranmorganstanleycom wwwmorganstanleyfacomthemorangroup
bull Strategic fi nancial planning bull Reliable and committed client-service team bull Dynamic relationship manager
Your Personal CFO
Did you know that business owners executives and their families have no time to plan for themselves As our clientsrsquo personal CFO we manage their fi nancial aff airs for them This provides them with the ability to dedicate their time to their business and families Our experienced team of professionals focuses on a detailed discovery process with each client This allows us to create a custom fi nancial plan that is reviewed on a consistent basis throughout their lives
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Senior Vice President Financial Advisor
Mark Rowley
Wells Fargo Advisors LLC 31440 Northwestern Hwy Ste 110Farmington Hills MI 48334
Direct (248) 932-4483Toll-free (800) 537-4509
markrowleywellsfargoadvisorscom
bull Establish investment plan and risk tolerancebull Execute monitor and update investment planbull Retirement income and distribution strategies
Investing Strategies for Your Goals
Since 1982 Mark has helped companies and families across the United States achieve their fi nancial goals Mark off ers a wide range of services to help clients secure their future and focuses on providing an outstanding client experience
Advisor selection is not reflective of individual client satisfaction or future performance Please see the introduction section for important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02080]
First Vice President ndash Investments Fundamental Choice Portfolio Mgr
Phillip P Putney
22029 Farmington Rd Farmington Hills MI 48336
Offi ce (248) 888-7530 Ext 22 Toll-free (888) 805-7530 pputneyafswealthmgtcom wwwafswealthmgtcom
bull Comprehensive fi nancial planning bull Asset protection and risk management bull Retirement income and distribution planning
Tailor-Fit Financial Strategies
With more than 15 years as a CPA fi nancial planner Five Star Wealth Manager Phil Putney and his team of professionals help his clients integrate all areas of their fi nances according to their goals passions and values Through his unique process Phil ensures his clients fi nances are working together harmoniously in the most tax-effi cient manner possible Securities and Advisory Services offered through Centaurus Financial Inc a Registered Investment Advisor
Member FINRA and SIPC Centaurus Financial Inc and AFS Wealth Management LLC are not affiliated companies Supervising branch 31395 West 7 Mile Rd Ste A Livonia MI 48152(248) 442-1207
CPAPFS Ed Slott Elite IRA Advisorcopy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
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onal
2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
copy Five Star
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2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
Professi
onal
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
copy Five Star
Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 29
Special advertiSing Section
Top five questions that wealth managers want clients to answer
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
From research conducted by Five Star Professional April 2011
Margie Shard
1537 N Leroy StFenton MI 48430
Offi ce (810) 714-5566 margieshardshardfi nancialcomwwwshardfi nancialcom
bull Job changes pension elections and buyouts bull Retirement wealth transfer bull Women and fi nances divorce and widowhood
Guiding You Through Life Transitions
Shard Financial was created after my family had a tragedy occur I experienced how fi nances play a role in life transitions and realized that just managing investments wasnrsquot enough mdash a fi nancial plan is one way to determine which investments will help address goals and how to help prevent falling into poverty if tragedy strikes By creating your plan we have a road map of how to work toward your goals and risks pertaining to your lifestyle
CFPregPresident and Wealth Advisor
William C Turner
DB French amp Company LLC 1450 W Long Lake Rd Troy MI 48098
Cell (248) 703-8056Toll-free (800) 647-4440
Wturnerdbfrenchcom
bull Portfolio managementbull Personal professional caring advicebull Registered options principal
Tailored Financial Strategies
My mission is to provide my clients with professional investment services built on a foundation of integrity and trust I make the client the foundation of my practice getting to know them personally and making their goals my goals I take pride in the lifelong relationships I build with clients and through the implementation of tailored fi nancial strategies I aim to help them achieve their fi nancial goals Asset allocation is key diversifi cation is essential
Securities offered through LM Kohn amp Company a registered brokerdealer member FINRA SIPC DB French amp Company LLC- OSJ branch of LM Kohn amp Company
Senior Vice President ndash Investments
Two-
Year
Winn
er
Chris W Walker
5225 E Cook Rd Ste L Grand Blanc MI 48439 Offi ce (810) 695-7897 Toll-free (800) 689-7897 cwalkerinvest-counselcom wwwinvest-counselcom
bull Established in 1929 bull Customized portfolios bull Proven tax-effi cient buy-and-hold investment style
Traditional Portfolio Management
Our conservative approach to investing is that we craft customized portfolios using individual securities We have researched and studied every security in your portfolio We focus only on our sweet spot mdash investing We do not sell insurance fi nancial planning or other investment products
SEC-Registered Investment Advisor No 801-269
President JDcopy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
Professi
onal
copy Five Star
Professi
onal
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Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
copy Five Star
Professi
onal
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Professi
onal
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onal
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Professi
onal
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Professi
onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 30 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Altman Financial LLC 2086 Kemp Rd Bloomfield Hills MI 48302 Office (248) 481-8775 Cell (248) 496-8834 terryaltmanfinancialcom
Terry R Altman
We identify clarify quantify and work toward client objectives We provide implementation services to designed plans Client-directed financial plans designed and implemented
Securities o ered through LPL Financial Member FINRASIPC Investment Advice o ered through Global Financial Planning Group LLC a registered investment advisor Global Financial
Planning Group LLC and Altman Financial LLC are separate entities from LPL Financial
CERTIFIED FINANCIAL PLANNERtrade
Wells Fargo Advisors LLC 2401 W Big Beaver Ste 600 Troy MI 48084 Office (248) 273-4360 Cell (248) 321-0754 davidaquilinawellsfargoadvisorscom
David J Aquilina
David provides clients with investment advice and investment planning services centered on capital growth and preservation David Aquilina has more than 20 years of experience
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC
Member SIPC [CAR 0413-04226]
Senior Vice President ndash Investments
1311 S Linden Rd Ste D Flint MI 48532 Office (810) 230-8100 cbraunampfcom ameripriseadvisorscomcraig1braun
Craig A Braun
By developing a relationship with families my investment planning process helps clients better identify and solve challenges around preserving and growing their assets for themselves and those they care about most
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc member FINRA and SIPC
Financial Advisor Associate Vice President
Financial Advisory Associates 40 Oak Hollow St Southfield MI 48033 Phone (248) 281-1501 jbrownlincolninvestmentcom
Joel Brown
We specialize in financial strategies for helping you make informed decisions with regards to your personal financial independence wealth management legacy planning and transferring your business to the next generation Advisory services o ered through Capital Analysts Inc or Lincoln Investment Registered Investment Advisors Securities o ered through Lincoln Investment Broker Dealer Member FINRASIPC wwwlincolninvestmentcom Financial Advisory Associates and the above rms are independent nona liated entities Legal services
are not o ered through nor supervised by Capital Analyst or Lincoln Investment
Juris Doctor
Two-
Year
Winn
er
3883 Telegraph Rd Ste 203Bloomfield Hills MI 48302Office (248) 282-9905Fax (248) 282-9954stevencasenatplancomfinancial-independencecom
Steven Case
Steven Case Co-Founder and Senior Partner has more than 24 years of experience His one-on-one approach to managing client relationships allows him to properly interpret client goals to help plan for a better futureSecurities and advisory services o ered through National Planning Corportation (NPC) Member FINRASIPC a Registered Investment Advisor Financial Independence LLC Five Star and NPC are seperate and unrelated companies Receipt of the Five Star award is not indicative of a wealth managerrsquos performance For more information visit vestarprofessionalcom
AIFreg CFPreg Five Star award winner 2010 2012 2013
2530 S Rochester Rd Rochester Hills MI 48307 Phone (248) 299-4200 Toll-free (877) 299-4205 ChrisDemetralRaymondJamescom
Chris Demetral
We establish a personalized client-service process that provides a strong foundation for establishing our long-term professional relationship We invest the time to help ensure all concerns are addressed details are understood and all parties feel confident going forward
Raymond James Financial Services Inc Member FINRASIPC
Registered Principal
Two-
Year
Winn
er
Raymond James Financial Services IncMember FINRASIPC
3260 E Morgan Rd Ann Arbor MI 48108 Office (734) 975-8762 jamesidowningampfcom ameripriseadvisorscomjamesidowning
James I Downing
For more than 20 years Jim has been helping people through the process of financial planning He understands that itrsquos not just about the numbers it is about understanding your hopes and dreams for the future and how a financial plan can help you get thereInvestors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CFPreg CLUreg
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Phone (248) 273-4324Toll-free (877) 484-4048 Jeffreyforchewfadvisorscom
Jeffrey P Forche
As a financial advisor with Wells Fargo Advisors I can offer you a wide range of services from helping you select individual investments to developing a retirement plan
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0313-05279]
Associate Vice President ndash Investments
Two-
Year
Winn
er
51685 Van Dyke Ave Shelby Township MI 48316 Office (586) 254-4227 Rfrankampfcom
Robert H Frank III
I help people meet the challenge of financing the present while planning for the future I work with clients on the issues that matter most to them mdash protecting resources and achieving financial objectives
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee
of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 31
Special advertiSing Section
Birmingham MI 48009Phone (248) 258-1764danafrellickmscom
Dana Margiotta Frellick
With more than 11 years of experience Dana has established a reputation for providing long-term investment management and wealth planning advice for her clients and their families built on a foundation of integrity experience and continuity of service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Financial Advisor First Vice President
Two-
Year
Winn
er
1108 N Main St Rochester MI 48307 Direct (248) 218-8243 Toll-free (877) 407-2707 brucefrenchmorganstanleycom
Bruce A French
I appreciate the trust my clients have placed in me Helping clients with wealth creation and preservation is the cornerstone of my practice My focus is on a custom client experience with a high level of service for each individual family Visit wwwmorganstanleycomfabrucefrench for more information
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor
Two-
Year
Winn
er
Fulkerson Capital Management 49701 Shelby Creek Dr Shelby Township MI 48317 Cell (248) 670-9823 davedavefulkersonnet wwwdavefulkersonnet
David FulkersonChief Investment Officer
Diversification was supposed to protect us from bear markets It didnrsquot We have lived through two major corrections in 12 years and stocks are back up where these corrections began Now is the time to review if you should look into investing systems designed to do well if the market goes up or down from here Call today to learn about the five dangerous trends facing investors in the next 10 years
46 E Square Lake RdTroy MI 48085Phone (248) 879-4510infoglebaandassociatescomwwwglebaandassociatescom
Jill Gleba
It has been a pleasure to serve our clients for more than 28 years Our firm offers insurance investment and retirement planning for individuals and businesses ldquoWe make wealth simplerdquo
Securities o ered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC
Wealth Manager
What matters
most is how you
recover from
setbacks
mdash Five Star award winner
5435 Corporate Dr Ste 260 Troy MI 48098 Phone (248) 641-3532 rgregorcreativefgcom wwwcreativefgcom
Richard J Gregor
Wharton Certificate in retirement planning
Richard J Gregor o ers securities and investment advisory services through AXA Advisors LLC (New York NY 212-314-4600)
member FINRA SIPC and o ers annuity and insurance products through AXA Network LLC and its subsidiaries (AR License No
417154) Creative Financial Group LLC is not owned or operated by AXA Advisors or AXA Network
President CPA
255 E Brown St Ste 400Birmingham MI 48009Direct (248) 433-8361robertgroveswfadvisorscom
Robert C Groves
With more than 15 years of experience you can expect the attention and dedication of a seasoned professional coupled with the resources of a world-class financial institution
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for
important information on the scope of the award and the Five Star selection process Wells Fargo Advisors LLC Member SIPC
[CAR 0413-02477]
CFPreg CIMAreg First Vice President ndash Investment Officer
8455 S Saginaw St Ste 101 Grand Blanc MI 48439 Office (810) 579-2838 Toll-free (800) 390-7925 dawnlhausch-cooperampfcom ameriprisecom
Dawn Hausch-Cooper
I am passionate about working with my clients and want them to experience financial confidence now and in retirement I offer personalized service focusing on building relationships and designing a plan that suits their unique needs
Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
Bloomfield Hills MI 48304 Direct (248) 723-1833 michaelskoviemorganstanleycom wwwmorganstanleyfa commichael_kovie
Michael S Kovie
I work with my clients the way I would hope and expect my own family to be treated mdash with honesty integrity and intellect My Senior Client Service Associate Dawn Kremer and I work very hard every day to do the best job we can for the clients we serve
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Vice President Financial Advisor CFPreg
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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onal
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onal
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onal
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onal
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onal
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onal
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Professi
onal
2013 Five Star Wealth
Man
agers
FS 32 mdash wwwfivestarprofessionalcom
Special advertiSing Section
Financial planning is a
holistic approach to financial well-being
mdash Five Star award winner
Scripter and Associates 3155 W Big Beaver Rd Ste 103 Troy MI 48084 Phone (248) 643-4965 Cleatonlindseylplcom wwwcleatonlindseycom
Cleaton M Lindsey III
My specialty is providing alternative investments asset preservation strategies and retirement income planning to go along with more traditional investments
Securities and Advisory Services o ered through LPL Financial a Registered Investment Advisor Member FINRA and SIPC
Financial Consultant
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304 Phone (248) 723-1832 sandraelutkenhoffmscom
Sandra E Lutkenhoff
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 intergenerationally working with their other professionals
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
CFPreg Vice President Financial Advisor
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Direct (248) 723-1820Toll-free (866) 334-8866patrickamalymorganstanleycomwwwmorganstanleyfacommaly
Patrick A Maly
Irsquom honored to be recognized again as a Five Star Wealth Manager for 2013 With more than 20 years in the industry I concentrate in customized income money management and financial planning services I am committed to providing first-class client service
copy 2013 Morgan Stanley Smith Barney LLC Member SIPC
Second Vice President Financial Advisor
Two-
Year
Winn
er
Detroit Financial Group 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 Cell (248) 229-7878 Office (248) 324-9315 emchughfinancialguidecom wwwfinancialguidecomEarl-McHugh
Earl E McHugh
Registered Representative of and o ers securities and investment advisory services through MML Investors Services LLC a member
of the MassMutual Financial Group Member SIPC OSJ MassMutual Michigan Metro 33533 W 12 Mile Rd Ste 295 Farmington Hills MI 48331 (248) 324-1100 Insurance Representative of
MassMutual MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its a liated companies and sales representatives Spring eld
MA 01111-0001 Local sales agencies are not subsidiaries of MassMutual or its a liated companies
ChFCreg Five Star award winner 2010 ndash 2013
1590 Eisenhower PlAnn Arbor MI 48108Phone (734) 477-5233saraxmehrabanampfcomameripriseadvisorscomsaraxmehraban
Dr Sara Mehraban
Yoursquore busy but you still have financial goals and aspirations Irsquom here to help you bring those dreams within reach For 24 years I have helped my clients by providing comprehensive financial planning services based on each personrsquos unique situation Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial
success Ameriprise Financial Services Inc Member FINRA and SIPC
Financial Advisor CRPCreg
40701 Woodward Ave Ste 200Bloomfield Hills MI 48304Phone (248) 723-1823richardlnauermscomwwwmorganstanleyfacomnauer
Richard Nauer
Rick Portfolio Manager and CERTIFIED FINANCIAL PLANNERtrade professional has been helping investors organize manage build and protect their wealth for 30 years
copy 2013 Morgan Stanley Smith Barney LLC Member SIPCCerti ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the USwhich it awards to individuals who successfully
complete CFP Boardrsquos initial and ongoing certi cation requirements
Senior Vice President Portfolio Manager Financial Advisor
6611 Chicago Rd Warren MI 48092 Office (586) 276-3108michelenehlssecuritiesamericacom wwwextracreditinvestmentsorg
Michele Nehls
Michele brings wealth mgmt strategies to assist members with their investment retirement planning insurance and income needs Michele works one-on-one with you towards your values using individualized advice Give her a call today
Securities o ered through Securities America Inc Member FINRASIPC and advisory services o ered through USAdvisors Wealth Management LLC
Michele Nehls Representative Extra Credit Union the USAdvisors Wealth Management and Securities America are separate entities
Not NCUA Insured bull No Credit Union Guarantees bull May Lose Value
Financial Consultant Investment Advisor Representative
1403 E 5th St Royal Oak MI 48067 Direct (248) 719-1900 chuckoconnorjrlplcom
Chuck OConnor
Our objective is to ethically and professionally craft well-designed custom-built financial strategies that can enable our clients to pursue their goals We offer the experience of a large firm coupled with the personal attention of a small firm
Securities o ered through LPL Financial Member FINRASIPC Investment advice o ered through OConnor Financial Group LLC a registered investment advisor and separate entity from LPL Financial
Principal Chartered Retirement Planning Counselor (CRPCreg)
copy Five Star
Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
copy Five Star
Professi
onal
2013 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom mdash FS 33
Special advertiSing Section
You will never get
rich by just saving
money mdash you
must invest in
opportunities to
build wealth
mdash Five Star award winner
Petersmark Financial Network Ltd 2395 Oak Valley Dr Ste 120 Ann Arbor MI 48103 Phone (734) 372-7191 brettpetersmarklplcom lpladvisorwebcombrettpetersmark
R Brett Petersmark
For more than 20 years I have assisted my clients with independent advice and financial strategies to support what is meaningful in life I am grateful for their trust and recognition of this award
Securities and Advisory Services o ered through LPL Financial member FINRASIPC
19810 Mack AveGrosse Pointe Woods MI 48236Office (313) 640-1200martinreidlplcomwwwlplcommartinreid
Martin D Reid
Our mission is to cult ivate long-term relationships built on knowledge and integrity providing the highest-quality objective advice that focuses on each clientrsquos unique situation Martin has more than 27 years of experience providing comprehensive wealth management services We also provide corporate retirement plan services
LPL Financial Member FINRASIPC
Account Executive
Consolidated Financial Corporation 28411 Northwestern Hwy Ste 950 Southfield MI 48034 Office (248) 351-6000 Ext 1152Cell (248) 224-3239 robinbconsolidated-financialcom
Barbara F Robins
I take pride in listening to my clients and helping them achieve their individual financial goals I will work one-on-one with you to understand your investment and insurance needs and then design and help you implement a plan customized to your needs
Advisory services and securities o ered through Lincoln Investment Planning Inc Registered Investment Advisor BrokerDealer Member FINRASIPC
Supervising o ce 218 Glenside Avenue Wyncote PA 19095 (800) 242-1421
Investment Advisor Representative
17515 W Nine Mile Rd Ste 440 Southfield MI 48075 Direct (248) 423-2700 Toll-free (888) 458-0667 jamesspeirfinancialcom wwwspeirfinancialcom
James J Speir
For more than a decade Speir Financial Services has provided independent financial insurance and investment management advice to individuals and families Thank you to our clients who entrust us with their business
Securities o ered and sold through CoreCap Advisors a Registered Investment Advisor
President Financial Advisor Licensed Insurance Professional
915 N Michigan Ave Ste 102Howell MI 48843Direct (517) 376-6272Office (517) 376-6273JamesStefanskilplcomStefanskiWealthManagementcom
James Stefanski
We face unique challenges in life Special care is taken to address those challenges by identifying prioritizing and creating a personalized plan Areas of focus retirement distribution planning professional women divorced or widowed and investment planning
Securities o ered through LPL Financial Member FINRASIPC
Wealth Consultant MBA
Two-
Year
Winn
er
Korb Toy amp Associates CPAs 4555 Investment Dr Ste 303 Troy MI 48098 Phone (248) 641-8900 Ext 201 shirleykorb-toycom wwwkorb-toycom
Shirley Toy
Our firm mission is to provide exceptional client service along with accurate reliable accounting and tax information We measure our success by helping our cl ients to be successful
Partner
Two-
Year
Winn
er
2401 W Big Beaver Rd Ste 600 Troy MI 48084 Office (248) 273-4326 Toll-free (877) 497-2253
Giovanni Volpe
I am thankful for the opportunity to help my clients with their investment needs I work closely on a individualized basis with all investors to develop a comprehensive financial strategy designed to meet their financial goals needs and life-time objectives
Advisor selection is not re ective of individual client satisfaction or future performance Please see the introduction section for important
information on the scope of the award and the ve star selection process Wells Fargo Advisors LLC Member SIPC [CAR 0413-02450]
Vice President ndash Investments
Two-
Year
Winn
er
Walter Boesky amp Associates 17320 W 12 Mile Rd Ste 200Southfield MI 48076Phone (248) 559-4750pwaltercpacomcastnet
Paul Walter
Paul has based his career upon helping clients achieve their financial goals This is accomplished by providing independent advice along with value-added tax and accounting services ldquoTo my clients thank you for your supportrdquo
Managing Partner
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal
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Professi
onal