special advertising section star professional · 2013. 6. 6. · 2013 five star 2013 wealth...

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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Man

agers

FS 2 mdash wwwfivestarprofessionalcom


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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Man

agers



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 6

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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Man

agers




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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Man

agers




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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Man

agers




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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Man

agers




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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Man

agers




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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Man

agers




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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Man

agers



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


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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Man

agers



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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Man

agers



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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Man

agers



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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Man

agers



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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Man

agers



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


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Man

agers



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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Man

agers



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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Man

agers



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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Man

agers



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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Man

agers



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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Man

agers



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


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Man

agers



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


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


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Man

agers



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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Man

agers



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



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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Man

agers



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


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


First Vice President ndash Investmentscopy Five Star

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Man

agers



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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Man

agers



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


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



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


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



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


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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Man

agers



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]


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


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


of future nancial success Ameriprise Financial Services Inc Member FINRA and SIPC

Financial Advisor CRPCreg

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agers



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


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


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



[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



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


Vice President Financial Advisor CFPreg

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onal

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Man

agers



Financial planning is a

holistic approach to financial well-being


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


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


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


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



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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Man

agers



You will never get

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money mdash you

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build wealth


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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Man

agers



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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6


























































Terry R Altman Global Financial Planning Group Page 30

















Andrew Behm Michigan Financial Companies Page 16







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Jason Jodway VALIC




















































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Eric Wolf VALIC















LLC Page 11










































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Leon LaBrecque LJPR


























































































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agers



Bruce K Ballard











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Two-

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Winn

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Two-

Year

Winn

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Wayne E Phillips














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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

er










Direct (734) 285-2175 Offi ce (734) 283-4720



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Man

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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

er











Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







Joe Betcher







Two-

Year

Winn

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Terry Brown








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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

Year

Winn

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

Winn

er

Chris W Walker







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Man

agers




Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

er


Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

er


Robert H Frank III





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Two-

Year

Winn

er


Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





Patrick A Maly




Two-

Year

Winn

er


Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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Page 26


























































Terry R Altman Global Financial Planning Group 0

















Andrew Behm Michigan Financial Companies Page 16







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Jason Jodway VALIC




















































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Eric Wolf VALIC















LLC Page 11










































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Offi ce (248) 355-4100 Toll-free (888) 234-3451



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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Lou MeloneJoe Budd








Toll-free (877) 293-5830




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John F Peters











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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Cell (248) 703-8056Toll-free (800) 647-4440

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Terry R Altman






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Chris Demetral




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[CAR 0313-05279]


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Bruce A French




Two-

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Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





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Richard Nauer






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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

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Shirley Toy


Partner

Two-

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Giovanni Volpe





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Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

er










Direct (734) 285-2175 Offi ce (734) 283-4720



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Man

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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

er











Phone (248) 715-4055


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onal

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Man

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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Man

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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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Man

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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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onal

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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







Joe Betcher







Two-

Year

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er

Terry Brown








Professi

onal

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onal

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onal

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onal

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Man

agers



Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









copy Five Star

Professi

onal

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onal

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onal

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Man

agers



Andrew J Howard








Two-

Year

Winn

er

Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

onal

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onal

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onal

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Man

agers










Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

Winn

er

Chris W Walker







Professi

onal

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onal

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Man

agers




Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

er


Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

er


Robert H Frank III





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onal

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onal

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Man

agers








Two-

Year

Winn

er


Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




copy Five Star

Professi

onal

copy Five Star

Professi

onal

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Professi

onal

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onal

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Man

agers












Sandra E Lutkenhoff





Patrick A Maly




Two-

Year

Winn

er


Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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Professi

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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onal


Man

agers



You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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onal

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Jason Jodway VALIC




















































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Man

agers









































Eric Wolf VALIC















LLC Page 11










































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onal

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Offi ce (248) 355-4100 Toll-free (888) 234-3451



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Direct (734) 285-2175 Offi ce (734) 283-4720



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Offi ce (734) 668-4332 bull Cell (734) 673-3723



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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Margie Shard







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Cell (248) 703-8056Toll-free (800) 647-4440

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Chris W Walker







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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

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Steven Case




Chris Demetral




Two-

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James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

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Robert H Frank III





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Two-

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Bruce A French




Two-

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Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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onal

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Patrick A Maly




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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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You will never get

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money mdash you

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build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

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Shirley Toy


Partner

Two-

Year

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Giovanni Volpe





Two-

Year

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Paul Walter


Managing Partner

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Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




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Renee J Hof-Lacey









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Wealth Manager

What matters

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setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Martin D Reid



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Barbara F Robins






James J Speir





James Stefanski




Two-

Year

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Shirley Toy


Partner

Two-

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Giovanni Volpe





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Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

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Winn

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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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Richard J Gregor





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Port Huron MI 48060

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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



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Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




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Two-

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Jill Gleba



Wealth Manager

What matters

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Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

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Shirley Toy


Partner

Two-

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Giovanni Volpe





Two-

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Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

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Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Toll-free (877) 293-5830




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Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

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Two-

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Chris W Walker







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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

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Steven Case




Chris Demetral




Two-

Year

Winn

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James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

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Robert H Frank III





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Two-

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Bruce A French




Two-

Year

Winn

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Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




copy Five Star

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onal

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Sandra E Lutkenhoff





Patrick A Maly




Two-

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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onal

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R Brett Petersmark




Martin D Reid



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Offi ce (248) 620-8035Cell (248) 703-1489


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Wealth Manager

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Richard J Gregor





President CPA


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[CAR 0413-02477]



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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

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Shirley Toy


Partner

Two-

Year

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Giovanni Volpe





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Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



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Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



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Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Cell (248) 703-8056Toll-free (800) 647-4440

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Chris W Walker







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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

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Winn

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Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

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Robert H Frank III





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Two-

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Bruce A French




Two-

Year

Winn

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Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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onal

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Sandra E Lutkenhoff





Patrick A Maly




Two-

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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You will never get

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money mdash you

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build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

er










Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

er











Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Jill Gleba



Wealth Manager

What matters

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Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



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R Brett Petersmark




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Offi ce (734) 668-4332 bull Cell (734) 673-3723



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



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Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




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Andrew J Howard








Two-

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Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Cell (248) 703-8056Toll-free (800) 647-4440

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Juris Doctor

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Steven Case




Chris Demetral




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[CAR 0313-05279]


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Two-

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Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

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Shirley Toy


Partner

Two-

Year

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Giovanni Volpe





Two-

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Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




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Phone (810) 220-6322Toll-free (800) 650-6322




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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

Year

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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onal

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Margie Shard







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Cell (248) 703-8056Toll-free (800) 647-4440

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Two-

Year

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Chris W Walker







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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

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Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

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Robert H Frank III





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Two-

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Winn

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Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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onal

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Sandra E Lutkenhoff





Patrick A Maly




Two-

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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agers



You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

er










Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

er











Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







Joe Betcher







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Terry Brown








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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








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Sean P Moran



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Mark Rowley


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Phillip P Putney








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Terry R Altman






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Steven Case




Chris Demetral




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[CAR 0313-05279]


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Bruce A French




Two-

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er





Jill Gleba



Wealth Manager

What matters

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setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





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R Brett Petersmark




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Offi ce (248) 355-4100 Toll-free (888) 234-3451



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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





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Lou MeloneJoe Budd








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John F Peters











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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



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Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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onal

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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






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Chris W Walker







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Terry R Altman






David J Aquilina







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Joel Brown



Juris Doctor

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Steven Case




Chris Demetral




Two-

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James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

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Two-

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Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





Patrick A Maly




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Richard Nauer






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You will never get

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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

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Giovanni Volpe





Two-

Year

Winn

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Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

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Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

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Phone (248) 715-4055


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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







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Terry Brown








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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

Year

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

onal

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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

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Chris W Walker







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onal

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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

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Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

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Robert H Frank III





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Two-

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Winn

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Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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onal

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Sandra E Lutkenhoff





Patrick A Maly




Two-

Year

Winn

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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onal

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agers



You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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The Baker Group








Offi ce (248) 355-4100 Toll-free (888) 234-3451



Two-

Year

Winn

er










Direct (734) 285-2175 Offi ce (734) 283-4720



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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

Year

Winn

er











Phone (248) 715-4055


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onal

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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







Joe Betcher







Two-

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Terry Brown








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onal

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Man

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Man

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Andrew J Howard








Two-

Year

Winn

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

onal

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Man

agers










Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

Winn

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Chris W Walker







Professi

onal

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Man

agers




Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

er


Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

er


Robert H Frank III





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onal

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Man

agers








Two-

Year

Winn

er


Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




copy Five Star

Professi

onal

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onal

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Sandra E Lutkenhoff





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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

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Shirley Toy


Partner

Two-

Year

Winn

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Giovanni Volpe





Two-

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Winn

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Paul Walter


Managing Partner

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Ronald Eppler

Your Personal CFO







Offi ce (734) 668-4332 bull Cell (734) 673-3723



Two-

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Phone (248) 715-4055


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Toll-free (877) 293-5830




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John F Peters











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Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



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Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

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Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




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Renee J Hof-Lacey









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Andrew J Howard








Two-

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Sean P Moran



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Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








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Margie Shard







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Cell (248) 703-8056Toll-free (800) 647-4440

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Terry R Altman






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Two-

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Chris Demetral




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James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

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Two-

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Bruce A French




Two-

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Winn

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Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





Patrick A Maly




Two-

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Dr Sara Mehraban





Richard Nauer






Michele Nehls







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You will never get

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money mdash you

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R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

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Shirley Toy


Partner

Two-

Year

Winn

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Giovanni Volpe





Two-

Year

Winn

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Paul Walter


Managing Partner

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Phone (248) 737-8440Toll-free (800) 537-4509





Thomas M Konopka







Phone (248) 723-1815




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Lou MeloneJoe Budd








Toll-free (877) 293-5830




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Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Raphael Betanzos







Joe Betcher







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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

Year

Winn

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

onal

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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

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Chris W Walker







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Man

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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

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Steven Case




Chris Demetral




Two-

Year

Winn

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James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

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Robert H Frank III





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Man

agers








Two-

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Winn

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Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




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Sandra E Lutkenhoff





Patrick A Maly




Two-

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Winn

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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onal

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Man

agers



You will never get

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money mdash you

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opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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Lou MeloneJoe Budd








Toll-free (877) 293-5830




Andrew Perri










Phone (810) 220-6322Toll-free (800) 650-6322




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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









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Andrew J Howard








Two-

Year

Winn

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Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

onal

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onal

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Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

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Chris W Walker







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onal

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Man

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Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

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Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

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Robert H Frank III





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Man

agers








Two-

Year

Winn

er


Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




copy Five Star

Professi

onal

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onal

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Man

agers












Sandra E Lutkenhoff





Patrick A Maly




Two-

Year

Winn

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Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




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Professi

onal

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onal


Man

agers



You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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Man

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John F Peters











Shelley L Schudlich








Port Huron MI 48060

Offi ce (810) 987-1500 Toll-free (800) 321-5401



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Michael F Shearon










Cell (810) 610-8677Offi ce (248) 649-4100 Ext 353



Michael J Welch








Birmingham MI 48009

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

mwelchrwbairdcom

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Man

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Raphael Betanzos







Joe Betcher







Two-

Year

Winn

er

Terry Brown








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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Man

agers



Valerija E Castro








Financial Advisor

Daniel Dickhudt










Donald I Gregg


Offi ce (248) 620-8035Cell (248) 703-1489


wwwRFAAdvantagecom




President

Renee J Hof-Lacey









copy Five Star

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onal

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onal

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Man

agers



Andrew J Howard








Two-

Year

Winn

er

Sean P Moran



Your Personal CFO




Mark Rowley


Direct (248) 932-4483Toll-free (800) 537-4509







Phillip P Putney








Professi

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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Man

agers










Margie Shard







William C Turner


Cell (248) 703-8056Toll-free (800) 647-4440

Wturnerdbfrenchcom






Two-

Year

Winn

er

Chris W Walker







Professi

onal

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onal

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onal

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onal

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Man

agers




Terry R Altman






David J Aquilina







Craig A Braun






Joel Brown



Juris Doctor

Two-

Year

Winn

er


Steven Case




Chris Demetral




Two-

Year

Winn

er



James I Downing





Jeffrey P Forche




[CAR 0313-05279]


Two-

Year

Winn

er


Robert H Frank III





copy Five Star

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onal

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onal

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Man

agers








Two-

Year

Winn

er


Bruce A French




Two-

Year

Winn

er





Jill Gleba



Wealth Manager

What matters

most is how you

recover from

setbacks



Richard J Gregor





President CPA


Robert C Groves




[CAR 0413-02477]



Dawn Hausch-Cooper






Michael S Kovie




copy Five Star

Professi

onal

copy Five Star

Professi

onal

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Professi

onal

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onal

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onal

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Man

agers












Sandra E Lutkenhoff





Patrick A Maly




Two-

Year

Winn

er


Earl E McHugh







Dr Sara Mehraban





Richard Nauer






Michele Nehls







Chuck OConnor




copy Five Star

Professi

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

copy Five Star

Professi

onal


Man

agers



You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth



R Brett Petersmark




Martin D Reid



Account Executive


Barbara F Robins






James J Speir





James Stefanski




Two-

Year

Winn

er


Shirley Toy


Partner

Two-

Year

Winn

er


Giovanni Volpe





Two-

Year

Winn

er


Paul Walter


Managing Partner

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onal

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