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ing Section ing Section Professional s DBusiness are financial advisors, financial planners, investment financial advisors, financial planners, investment are attorneys. planning estate and advisors tax advisors, How do you find a wealth manager with experience, who rates, and has a good base of clients with high retention complaint review? and regulatory a undergone has who clients? new accepting they are them, find you when And Professional partnered to find wealth managers who satisfy to find wealth managers who satisfy partnered Professional criteria that are 10 objective eligibility and evaluation quality provide who managers associated with wealth distinguishing many Among clients. their to services rate for this attributes, the average one-year client retention percent. 96 than year’smore is winners award

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Professional 2013 Detroit Professional Five Star Five Wealth Managers

Star Star candidates population of high-quality wealth managers, award to consider a broad In order firm nomination, peer nomination or pre-qualification sources: identified by one of three are candidates award Detroit accepted. not are Self-nominations standing. industry on based than more to survey a including data, external research and internal using identified were © ©

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Professional Professional financial world or Although this list is a useful tool for anyone looking for help in managing their The 2013 Five Star Wealth Managers are a select group, representing less than 7 percent of the wealth of the wealth than 7 percent less representing group, a select are Managers 2013 Five Star Wealth The area. Detroit the in managers

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implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent are there exhaustive. Undoubtedly, implementing aspects of their financial strategies, it should not be considered year’sthis on not are list. another, or reason one for who, managers wealth Aw

A Can 12,500 registered financial services professionals and all identified financial service companies in the area that are registered with registered are that area the in companies service identified financial all and services professionals financial registered 12,500 SEC. the or FINRA From research conducted by Five Star Professional, April 2011. April Professional, Star Five by conducted research From those are defined, broadly managers, Wealth financial your manage you help who individuals your financial of aspects world and/or implement wealth managers of examples Common strategies. • • In a consumer study about dynamics between wealth between wealth dynamics about study a consumer In polled Professional Star Five clients, their and managers Bothand consumers about communications. wealth managers to four times a year is the said that connecting three groups not are but expectations strategy, right communications areas: all in aligned •

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© more more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or 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 theconsumers provide to order in managers wealth of services the use to propensity high a having as identified households 12 in 1 approximately contacted Professional Star Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. wealth a regarding complaints submit confidentially to consumers for opportunity the advertising local via promotes Professional Star inclusion of a wealth manager on the Five Manager Star list Wealth should not be construed Five Star award is not indicative of the wealth manager’swealth the performance. of indicative future not is award Star Five sc

orking with a Five Manager Star or Wealth any wealth manager is no guarantee as to future ealth managers may or may not use discretion in their practice and therefore may not manage ach ach wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of based favorable upon regulatory the history, criteria esearch 2,762 award candidates in the Detroit area were considered for the Five Manager Star Wealth Education Five Five E listed above. listed contacted. were area Detroit the in households 78,100 than More manager. wealth a regarding complaints submit to opportunity Five Star Professional’s consumer complaint process. complaint consumer Professional’s Star Five Had Non-institutional Number One-year Cr households). award winners is more than 96 percent). 96 than more is winners award representative, a CPA or a licensed attorney. attorney. licensed a or CPA a representative, assets). client in million $99 of average year’san administer winners award Actively employed as a cr Actively employed as minimum of five years.five of minimum award. 749 (approximately 28 percent of the award candidates) were named 2013 Five Star Wealth named 2013 Five candidates) Star were of Wealth the award 28 percent 749 (approximately award. Managers. (1) investment success, nor is there any guarantee that the selected wealth managers will be awarded any guarantee that the selected wealth managers will be awarded investment success, nor is there future. the in Professional Star Five by accomplishment this as an endorsement of the wealth manager by Five Star Professional, DBusiness Star Professional, as an endorsement of the wealth manager by Five and the research/ information on the Five Star award financial advice. For more considered www.fivestarprofessional.com. to go methodology, selection their clients’ assets. clients’ their Detroit. The W Five The W • • • • As defined by Five Star Professional, the wealth manager has not: has manager wealth the Professional, Star Five by defined As • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. authority. regulatory a with filed complaint customer a of settlement financial a to contributed Individually • bankruptcy. personal for Filed • felony. a of convicted Been • • Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. a of payment or revoked, or suspended being license a in resulted that action regulatory a to subject Been • • Wealth managers were required to certify that any information they provided was accurate.was provided they information any that certify to required were managers Wealth CPAs. or attorneys to apply not do 9 and 8 4, Criteria

R Di Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also (IAPD) website. Five Star Professional Adviser Public Disclosure of each nominated wealth manager using the Investment review conducts a regulatory Five Star Professional above criteria: the per applied was processes these through submitted Data exists. history complaint and regulatory favorable a that ensure help to processes supporting multiple uses The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback Managers scored Five Star Wealth 2005 – 2011 year. Manager selection criteria was updated for the 2012 award The Five Star Wealth for [email protected] at Professional Star Five Contact year. each award the receive managers wealth of percent 7 than more No experts. industry and peers clients, from winners. award 2011 – 2005 for process selection the regarding information additional • • • • • • • • (2) (3) (4) 4. Fulfilled their firm review based on internal firm standards. standards. firm internal on based review firm their Fulfilled 4. clients. new Accepting 5. Considered – Criteria Evaluation 10. 6. 6. rate. retention client Five-year 7. 8. 1. 1. FINRA-registered a (IAR), advisoryrepresentative asaninvestment edentialed 2. 9. Award candidates who satisfied 10 objective eligibility and evaluation criteria that are are that criteria evaluation and eligibility 10 objective satisfied who candidates Award Star Five 2013 named were services quality provide who managers wealth with associated Managers. Wealth 3. Favorable regulatory and complaint history review. history complaint and regulatory Favorable 3. Determination Of Eligibility Criteria – Required – Criteria Eligibility

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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 Professional, Star Five manager by of the wealth as an endorsement Manager list should not be construed Wealth Star manager on the Five Inclusion of a wealth in the future. , Registered , Registered three-year Rivest winner Karen Representative; Advisor Behm, Investment row: 2013 winner Andrew Front or 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 managers will be awarded the selected wealth that guarantee any nor is there success, investment future as to manager is no guarantee wealth Manager or any Wealth Star with a Five Working Wealth management is more than just investments. These These than just investments. is more management Wealth comprehensive true, Managers provide Wealth Star Five and servicesexecutives management individuals, wealth to small-business owners that help them to nancial meet their fi Managers Michigan at Financial Wealth Star Five The objectives. • Customized portfolio design with a personal approach to investment and retirement strategies and retirement investment to portfolio with a personal approach design • Customized the service, to support• Dedicated of our clients and success and risk planning services protection management • Asset Michigan Financial Team Michigan Transactions Not Trust, on Relationships Built

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Leslie Lockhart; Marchionda Leslie Advisor; Amy Senior Financial Managing Partner, Moran, Tim three-year winner © 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 and the section of the award for important performance. Please see the introduction on the scope satisfaction information or future of individual client selection is not reflective Advisor

Five Five non- and separate broker-dealer a registered Member SIPC, (WFAFN), Network, LLC Financial Advisors Fargo Wells through and services Products offered Investment selection Star process. Five At Moran & Company, Investment Consulting Group, our Group, Consulting Investment Moran & Company, At and sound results with quality advice, you provide goal is to service — and for during everyexceptional life stage of your takes pride Our in our high level team come. to generations By taking of ethics. and our standard the of professionalism • Retirement planning • Retirement • Charitablegiving • Business succession

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Tom Smith and Smith Tom Five Money and the Markets. Do You? Money DoMarkets. and the Professional More to Than Life There’s Think We Professional people who value simplifying their lives by by simplifying their lives people who value nancial help them with fi team our having intergenerational develop We issues. actions align that planning relationships whom much is to believe We with values. much is expected. given,

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Five Five Professional Professional President Advisor, Financial

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Professional Professional 3003 Biddle Avenue Southfi eld, MI 48033 MI 48033 eld, Southfi Wyandotte, Wyandotte, MI 48192 www.bakergroup.org www.bakergroup.org Offi ce: (248) 355-4100 ce: Offi (734) 283-4720 ce: Offi Direct: (734) 285-2175 Direct: Toll-free: (888) 234-3451 Toll-free: [email protected] [email protected]

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Professional Professional MI 48152 Livonia, Ann Arbor, MI 48104 Arbor, Ann Phone: (248) 715-4055 Phone:

37677 Pembroke Avenue 37677 Pembroke 2723 South State, Suite 320 Suite 2723 South State, Your Personal CFO Personal Your Star Services, Inc. Ameriprise Financial Star

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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 and financial investment Brokerage, financial success. of future is not a guarantee with a financial advisor as working of a financial professional evaluation should conduct their own Investors © advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA in all jurisdictions all clients. Services, and services and SIPC. Some or to Inc., products not be available Financial may Ameriprise advisory through made available services are Five Williamson, Angela Advisor; th, MBA, CRPC®, Financial Gri winner Jamie right: Three-year to Left Advisor Financial JD, Kilgren, Service three-yearClient winner Kevin Coordinator; Five Anthony Showich winner Ronald Eppler and Anthony two-year Weissman, right: Neil to Left Why work with us? As fi nancial advisors, we take the time to listen and understand, understand, and listen to time the take we advisors, nancial fi As us? with work Why help will we together, Working goals. and dreams your visualize to you helping within reach. more dreams bring help your money to your and manage invest you helping us lucky serve, are for to whom we clients, thank the like to would We the third managers for of wealth be included in this distinguished group to We are consecutive grateful year. for your continued business, support and long- this honor. achieve helped us to that relationships term Please visit us at ameripriseadvisors.com/kevin.r.kilgren and th. ameripriseadvisors. com/james.r.griﬃ The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides provides Advisors Fargo Wells of Group Investment Eppler Showich Weissman The nancialto options help high-net-worth individuals and fi families with customized Weissman, Neil advisors by led team, Arbor-based Ann The goals. their reach them their grow helping to by assists clients Showich, Ronald Anthony Eppler and and their wealth helps families expand team The portfolios risk. and minimize new opportunities service, time and attention. personalized realize through Professional Professional

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Professional (248) 737-8440 Phone: Professional Phone: (248) 723-1815 Phone: Toll-free: (800) 537-4509 (800) 537-4509 Toll-free: Bloomfi eld Hills, MI 48304 eld Hills, Bloomfi Farmington Hills, MI 48334 MI 48334 Hills, Farmington David Long Client-Based Advice Client-Based 31440 Northwestern Highway 31440 Northwestern [email protected]

40701 Woodward Avenue, Suite 200 Suite Avenue, Woodward 40701 Experience and Integrity and Experience [email protected] Star [email protected] Star

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Certified Financial Planner Board of Standards Inc. owns the certification owns marks CFP®, Inc. of Standards Planner Board Certified Financial Senior Vice President, Financial Advisor; Advisor; Financial President, Vice Konopka, Senior Thomas winner right: Three-year to Left Marketing Associate CFP®, Registered John Crandall, Vice President – Investments; and – Investments; President Vice winner GregoryThree-year Hill, right: to Left Advisor CRPC®, Financial Long, 2013 winner David Having Having been selected as a Five Star Wealth Manager, trusts and individuals, with businesses, Tom, John, works Marketing Associate, with his Registered foundations around the United States to help grow, practice protect isTom’s nancial based assets. and on the fundamentalpreserve fi principle oftheir ongoing asset allocation and their portfolios. Morgan needs and diversify income risk-management help meet clients’ to strategies advice. He clients. his to world-classbringresources uses to him allow capabilities global Stanley’s customized income Gregory Hill and his son-in-law of company array and broad experience Their experience. David investment combined success. nancial Long fi toward represent path proactive more the take to than clients their 35 empower resources years of They use a disciplined, long-term approach to wealth management solutions and funds, mutual and bonds (taxable or tax advantaged), stocks including investing, ETFs, annuities edor globaldiversifi portfolios.They appreciate the trust clients we enduring relationships strong, on the with them and pride themselves place with individuals and their families. share

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Professional Professional MI 48116 Brighton, Phone: (810) 220-6322 Phone: Auburn Hills, MI 48326 MI 48326 Hills, Auburn lmelone@wfafi net.com lmelone@wfafi www.buddmelone.com www.buddmelone.com Joe Budd Toll-free: (800) 650-6322 Toll-free: Toll-free: (877) 293-5830 (877) 293-5830 Toll-free:

Lou Melone Star 3121 University Drive, Suite 180 Suite Drive, 3121 University www.pinnaclewealthonline.com

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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 Star the Five and section of the award for important performance. introduction Please see the on the scope satisfaction information or future of individual client selection is not reflective Advisor Five 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 nonbank affiliate and separate broker-dealer Member SIPC, a registered (WFAFN), Network, LLC Financial Advisors Fargo Wells through and services products offered Investment selection process. winner Joe Budd, right: Three-year to Left For more than 17 years, we have successfully helped our clients develop and plan develop helped our clients successfully have we than 17 years, more For nancialfiWe goals. nancial understandfor gametheir that planfi a is much more aspirations. and your dreams your hopes, your it entails than just numbers, We recognize that nancial life marketsand arefi unpredictable, demanding that nancial and strategies investment evolveLet as us changes help occur. you your fi your you, for be there We’ll wealth. health of your check ups on the with regular way. your throws life what no matter nancial future fi family and your management portfolio active fee-based planning, income retirement focus: of Areas investments. and alternative Life is a journey … have a plan. Planning is the focus they have embraced since the since embraced they have is the focus a plan. Planning is a journey … have Life fi advisory nancial than industry more the in started careers their cofounders rm’s fi they witnessed an industry often the beginning, product too From ago. 18 years because planning, income er retirement oﬀ “We than planning driven. rather driven business owners type to that of guidance in providing value was there believed we the portfolio. should drive plan The Melone. Lou says and families,” four-year winner Lou Melone, winner Lou and four-year Anderson; Partner; Margaret practitioner, Managing Partner Managing practitioner, Professional Professional

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www.opco.com Professional Professional 810 Michigan Street Port Huron, MI 48060 Huron, Port Oﬃ ce: (810) 987-1500 ce: Oﬃ Phone: (248) 540-3733 (248) 540-3733 Phone: Birmingham, MI 48009 Toll-free: (800) 321-5401 Toll-free: Toll-free: (800) 544-8754 Toll-free:

[email protected] [email protected] One Client at a Time a at One Client [email protected] [email protected] Oppenheimer & Co. Inc. Inc. Oppenheimer & Co. John F. Peters John F. 325 North Old Woodward, Suite 320 320 Suite Woodward, 325 North Old Personalized Planning to Planning Personalized www.raymondjames.com/johnpeters www.raymondjames.com/johnpeters Building Financial Bridges, Building Financial

Preserve and Grow Your Wealth Your and Grow Preserve Star Shelley L. Schudlich

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2013 winner Shelley L. Schudlich, – Investments 2013 winner Shelley Director © Sr. Vice President, Raymond James Trust Consultant; Consultant; Trust Raymond James President, Vice Sr. Keefe, right: Timothy to Left President, Vice Sr. Peters, Service three-year winner John F. Eldon, Registered Associate; Laura Management Specialist Wealth Investments, Your fi nancial needs are uniqueto your personal well-being, business,fi familyYour and opportunities your presents require wealth and challenges that Your community. wealth your managing undertaking successful Like any attention. or endeavor, requires a well-thought-out plan that anticipates your needs and prepares for the future. Life is you unpredictable — we but can together, make common-sense or visit us today. Call can control. decisions about things you investment For nearly 30 years, I've become my clients' advocate in achieving their fi nancial and nancial fi their achieving in advocate clients' my become I've years, 30 nearly For strategies complex turn we tools, management wealth of variety a Using goals. life life's My assist in planning for passion to can understand. clients my concepts into dreams positions me as their go-to resource and in turn helps remove stress and of families as with generations I work busy lives. their already from complications and preservea life-long legacies. build wealth advisor to

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Professional MI 48084 Troy, Professional 300 Park Street Street 300 Park Cell: (810) 610-8677 Cell: Co-Fiduciaries [email protected] [email protected] Phone: (248) 594-9959 (248) 594-9959 Phone: Birmingham, MI 48009 www.ﬂ ynnbenefi ts.com ts.com ynnbenefi www.ﬂ Toll-free: (888) 594-9959 (888) 594-9959 Toll-free:

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Five Senior Investment , Managing Director, Welch winner Michael J. right: Four-year to Left M. Joyce CRC®; Ann Consultant, Five AIF® Shearon, right: Ginger AIF®; 2013 winner Michael M. Erickson, to Left F. Mike works closely with individuals, professionals, business owners and nonprofi ts ts nonprofi and owners business professionals, individuals, with closely works Mike any Before solutions. them with creative their needs and provide evaluate to to analytical work and extensive attention Mike is made, gives recommendation a client’s time horizon, le, risk income profi needs, situation,tax goals. transfer and wealth estate and Through continuous education that includes Wharton School and University is communicated This of unbiased advice. sound, Mike provide to strives Chicago, regularly, good times family can depend on. and your you that relationships or bad, building meaningful long-term plans and With more than 40 years of combined experience as trusted advocates for for advocates as trusted experience of combined than 40 years more With take sponsors and participants plan we everyone from and families, individuals to goals. setting and achieving retirement to approach a competitive we protect our valued outcomes, duciaries investment strivingto improve As co-fi their objectives. unnecessary realizing from to clients risks on the way duciary liability, poor We share performance,your concern fees excessive about fi the opportunity with you welcome and we provide to or the lack of due diligence, the kind of service deserve. you Professional Professional

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255 E Brown St., Ste. 400 Ste. St., 255 E Brown Birmingham, MI 48009 (248) 433-8352 Phone: (800) 521-9463 Toll-free: [email protected] 130 Kercheval Ave. Ave. 130 Kercheval MI 48236 Farms, Pointe Grosse (313) 343-8463 Phone: (800) 486-3347 Toll-free: [email protected] First Vice President – Investments President Vice First Senior Vice President, President, Senior Vice Advisor Senior Wealth Consultant,

Professional Brown Terry Professional

Raphael Betanzos

Financial Pathway for a Secure Future a Secure for Pathway Financial Institutional Type Investing for Individuals for Investing Type Institutional Five Five

Professional Professional performance. satisfaction or future of individual client selection is not reflective Advisor the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0313-01794]. Member SIPC. [CAR LLC, Advisors, Fargo Wells selection Star process. the Five Please see the introduction section for important information on the scope of the award and and section of the award for importantPlease see the introduction on the scope information Since Since his start in Brown the nancialhas nancial educationused andhis fi knowledge fi to provide services industry . strategies and wealth-building advice investment in 1985, Terry Trust is paramount. I work for clients and their best interests. The The and their best interests. clients for I work is paramount. Trust long- build to is goal My goals. their and client the on always is focus on the client. which concentrate relationships term Using cutting-edge investment processes and deliver risk and seek to control to I endeavor management, modern portfolio returns. steady consistent Manager. Wealth Star is a three-year Five Betanzos Mr. advising clients for process Personalized • goals and risk tolerance based on life Investing • of service level progress and monitoring Exceptional • • Helping clients with wealth creation and preservation creation with wealth Helping clients • goal-driven strategies Personalized, • honesty and service Integrity, •

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Star 435 Ste. 12900 Hall Rd., MI 48313 Heights, Sterling (586) 726-8866 Star ce: Oﬃ [email protected] www.BetcherFG.com Farmington Hills, MI 48331 Hills, Farmington (248) 848-9409 Phone: [email protected] www.elderlawmi.com Managing Partner, RFC® Managing Partner,

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Securities offered through The O.N. Equity Company. Member FINRA/SPIC. Investment Member FINRA/SPIC. Investment Company. Equity O.N. The through Securities offered © goals. My fi rm's growth and success is a direct result of the continued continued the of result direct a is success and growth rm's fi My goals. team. support of my and the strength clients of our valued • Chairman's Council Qualifying Member Council • Chairman's Member of MDRT• Qualifying and Life Member of MDRT Table of the Top • on hiring and pride ourselves we Group, Financial Betcher At developing hardworking, dedicated professionals with a our clients providing to committed are We with focus. centric a client- strategic course of action that will help with nancial long-term fi educating our clients, sending a bi-annual newsletter and off annual ering off and newsletter bi-annual a sending clients, our educating client Mark’s seminars fourth ve in locations. book, fi "Blood & Money: Over Fight InheritanceWhat to Do and Families About Why It" (available awards, numerous won has and BarnesandNoble.com) on Amazon.com Book Festivals. Paris and both the 2011 London including runner up at • Estate and elder law and elder law Estate • ts and special needs benefi veterans’ Medicaid, • ict resolution and confl mediation Probate, • Our expert team of lawyers applies cutting-edge techniques to avoid probate, protect those with special tsneeds, forobtain veterans benefi We independently. who can no longer live clients and Medicaid for to committed are We grave. to cradle and families from our clients follow

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Professional Professional 220 Park St. 220 Park Birmingham, MI 48009 Direct: (248) 258-1182 (800) 258-1750 Toll-free: [email protected] Morganstanleyfa.com/renee.hof 13424 Dix Toledo Rd. Rd. Toledo 13424 Dix MI 48195 Southgate, (734) 284-1838, Ext. 11 ce: Oﬃ [email protected] www.thrivent.com/fr/dan.dickhudt Associate Vice President, President, Associate Vice Advisor Financial Financial Consultant Financial

Daniel Dickhudt Star Renee J. Hof-Lacey

trusts and estate planning and other tax matters. planning and other tax matters. and estate trusts

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and as appropriate your attorney and/or tax professional for additional information. for additional information. and/or tax professional attorney your and as appropriate Securities and investment advisory services are offered through Thrivent Investment Investment Thrivent advisory through offered servicesSecurities and investment are and a wholly owned subsidiary of Thrivent Financial for Lutherans. Thrivent Financial Financial Thrivent for Lutherans. Financial Thrivent subsidiary owned and a wholly of

ing Section ing Section for matters involving taxation and tax planning and their attorney for matters involving involving for matters and tax planning and their attorney taxation involving for matters are also licensed insurance agents/producers of Thrivent Financial. Fee-based investment Fee-based investment Financial. Thrivent of agents/producers insurance also licensed are advisory services are available through qualified investment advisor representatives only. representatives advisor qualified investment advisory through available services are Management Inc., 625 Fourth Ave. S, Minneapolis, MN 55415, a FINRA and SIPC member MN 55415, a FINRA and SIPC member S, Minneapolis, 625 Fourth Ave. Inc., Management s © 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley and its Financial and its Financial Stanley Member SIPC. Morgan Smith Barney LLC. Stanley © 2013 Morgan Thrivent Financial for Lutherans and its respective associates and employees cannot provide provide cannot employees and associates and its respective for Lutherans Financial Thrivent representatives are registered representatives of Thrivent Investment Management, Inc. They They Inc. Management, Investment Thrivent of representatives registered are representatives Advisors do not provide tax or legal advice. Individuals are urged to consult their tax advisor their tax advisor consult to urged Individuals are tax or legal advice. do not provide Advisors legal, accounting, or tax advice or services. Work with your Thrivent Financial representative, representative, Financial Thrivent with your Work or services. or tax advice accounting, legal, Renee has been with Morgan Stanley for more than 20 years. than 20 years. more for ReneeStanley has been with Morgan As a nancial fi advisor, she continues client with exceptional advice personalized ethical, knowledge, grow to her practice wonderful many relationships. client with have to fortunateam “I service. them.” to immense gratitude my express I wish to • Personal, professional caring advice professional • Personal, management investment • Client-focused preservation and accumulation wealth for • Reliable advice • Investment management management Investment • distribution strategies income Retirement • nancial planning fi Fee-based •

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[email protected] www.RFAAdvantage.com Retirement Funding Funding Retirement Inc. Advisors, 119 Ste. Rd., W Big Beaver 3155 MI 48084 Troy, (248) 620-8035 ce: Oﬃ (248) 703-1489 Cell: 101 W Big Beaver, Ste. 425 425 Ste. W Big Beaver, 101 Troy, MI 48084 (248) 925-4408 ce: Oﬃ [email protected] www.ameripriseadvisors.com/ valerija.e.castro Financial Advisor Financial President

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Inc., Member FINRA and SIPC. Some products and services may not be available in all Member FINRA in all and services and SIPC. SomeInc., products not be available may a financial advisor is not a guarantee of future financial success. Brokerage, investment investment Brokerage, financial success. of future a guarantee is not a financial advisor and financial advisory services are made available through Ameriprise Financial Services, Services, Financial Ameriprise and financial advisory through made available services are Five Investors should conduct their own evaluation of a financial professional as working with with as working professional of a financial evaluation should conduct their own Investors For individuals, RFA creates a distinct investment strategy for your for strategy distincta investment creates RFA individuals, For planning. and estate retirement for preparing such as college, goals, For 401(k) and allows This menu. investment model portfolios a customized from 403(b) plans, ed based investment strategy, participants RFA to invest in a well-diversifi creates es multiple For le. identifi endowments andfoundations, RFA on their risk profi risk-based the portfolio and generating growing between a sustainable balance policy statement. investment with your in accordance income • Assessing potential investment returns, risks and suitability returns, investment potential Assessing • needs ow cash-ﬂ and planning for Identifying • preservationand growth Balancing wealth • I am passionate about working with my clients and want them to them to and want clients about workingpassionate I am with my dencenow nancial andconfi experience infi retirement. I will look nancial picture — cashreserves, debt management, at your fi entire and taxes. protection investments, • Retirement planning strategies planning strategies Retirement • strategies management ow • Cash-ﬂ preservation strategies Wealth • Professional Professional

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Wells Fargo Advisors, Advisors, Fargo Wells LLC 110 Ste. Hwy., 31440 Northwestern MI 48334 Hills, Farmington Direct: (248) 932-4483 (800) 537-4509 Toll-free: [email protected] 130 Kercheval Ave. Ave. 130 Kercheval MI 48236 Farms, Pointe Grosse (313) 642-5918 Phone: [email protected] www.morganstanleyfa.com/ themorangroup Senior Vice President, President, Senior Vice Advisor Financial First Vice President – Investments, – Investments, President Vice First Portfolio Mgr. Choice Fundamental

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Professional Professional performance. satisfaction or future of individual client selection is not reflective Advisor the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0413-02080]. 0413-02080]. Member SIPC. [CAR LLC, Advisors, Fargo Wells selection Star process. the Five Please see the introduction section for important information on the scope of the award and and section of the award for importantPlease see the introduction on the scope information Since 1982, Mark has helped companies and families across the 1982, Mark and families across Since has helped companies United States achieve their nancial fi on and focuses their future of servicesrange secure help clients to goals. Mark oﬀ ers. a wide experience an outstanding client providing Did you know that business owners, executives and their families executives know business owners, Did you that CFO, personal our clients’ As themselves? plan for no time to have airsfor This them. provides them with nancial aﬀ we manage their fi Our their business and families. their time to the ability dedicate to on a detailed discovery focuses of professionals team experienced process nancial with each This client. allows us to create a custom fi their lives. basis throughout on a consistent is reviewed plan that plan and risk tolerance • Establish investment plan investment and update monitor • Execute, and distribution strategies income • Retirement • Strategic fi nancial planning fi Strategic • client-service Reliable team committed and • manager Dynamic relationship •

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Star Rd. 22029 Farmington MI 48336 Hills, Farmington Star (248) 888-7530, Ext. 22 ce: Oﬃ (888) 805-7530 Toll-free: [email protected] www.afswealthmgt.com 130 Kercheval Ave. 130 Kercheval MI 48236 Pointe, Grosse Direct: (313) 343-8471 (866) 835-7845 Toll-free: [email protected] CPA/PFS, Ed Slott Elite IRA Slott Elite Advisor Ed CPA/PFS, Senior Vice President, President, Senior Vice Advisor Financial © ©

Winner

Two-Year Five

Professional Professional Putney Phillip P. Andrew J. Howard Andrew Experience • IntegrityExperience

companies. Supervising branch: 31395 West 7 Mile Rd., Ste. A, Livonia, MI 48152,(248) 442-1207. MI 48152,(248) 442-1207. A, Livonia, Ste. 7 Mile Rd., West Supervising 31395 companies. branch: © Member FINRA and SIPC. Centaurus Financial, Inc. and AFS Wealth Management, LLC are not affiliated not affiliated are LLC Management, Wealth and AFS Inc. Financial, Member FINRA and SIPC. Centaurus Securities and Advisory Services offered through Centaurus Financial, Inc. a Registered Investment Advisor, Advisor, Investment a Registered Inc. Financial, Centaurus Securities and Advisory Services through offered • Comprehensive fi nancial planning fi Comprehensive • and risk protection management • Asset and distribution planning income • Retirement Wealth Star Five nancial planner, fi than as 15 more a years CPA With help his clients of professionals and his team Manager Putney Phil passions goals, their to according nances fi their of areas all integrate his clients' ensures Phil his unique process, Through and values. nancesfi are working manner possible. cient together harmoniouslyeﬃ in themost tax- • Conservative, customer-fi rst approach customer-fi • Conservative, portfolio strategies • Customized service reliable • Consistent, Andrew has been helping individuals and ne business owners defi more and preserving for wealth their goals of growing and achieve than 27 years. He values his collaboration with most seasoned as the industry’s as well and attorneys some local CPAs of the best the is humbled by Andrew professionals. investment and respected the for grateful is and him with place clients his trust and dence confi award. Professional Star honor of the Five

Five Five

Professional Professional FS 28 — www.fivestarprofessional.com

Five Five

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Five Five

Five Five © ©

2013 Five Star Wealth Managers Professional

Professional Professional

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Professional & French D.B. LLC Company, Lake Rd. W Long 1450 MI 48098 Troy, (248) 703-8056 Cell: (800) 647-4440 Toll-free: [email protected] Professional Senior Vice President – – President Senior Vice Investments

Winner

Two-Year Star

William C. Turner William

Tailored Financial Strategies Financial Tailored

D.B. French & Company, LLC- OSJ branch of L.M. Kohn & Company. L.M. Kohn of OSJ branch LLC- & Company, French D.B. Five Five

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Securities offered through L.M. Kohn & Company, a registered broker/dealer, member FINRA, SIPC. broker/dealer, a registered & Company, L.M. Kohn through Securities offered ing Section ing Section Top five questions that wealth managers questions that five Top answer: to clients want 1. 2. 3. 4. 5. s From research conducted by by conducted research From April 2011 Star Professional, Five My mission is to provide my clients with professional investment investment with professional clients my My provide mission is to I make the client and trust. services of integrity built on a foundation know getting to them personally and practice, of my the foundation relationships I take pride in the lifelong making goals. their goals my of tailored implementation the and through clients, I build with fi nancial goals. nancialI strategies, aimto help them achieve their fi is essential. cation is key; allocation Asset diversifi • Portfolio management Portfolio • caring advice professional, • Personal, options principal • Registered

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5225 E Cook Rd., Ste. L L Ste. Rd., 5225 E Cook MI 48439 Blanc, Grand (810) 695-7897 ce: Oﬃ (800) 689-7897 Toll-free: [email protected] www.invest-counsel.com © President , President JD 1537 N Leroy St. 1537 N Leroy MI 48430 Fenton, (810) 714-5566 ce: Oﬃ nancial.com margie.shard@shardfi nancial.com www.shardfi CFP®, Advisor and Wealth President

Five Five

Professional Shard Margie Professional Chris W. Walker Chris W.

SEC-Registered Investment Advisor. No. 801-269 . 801-269 No. Advisor. Investment SEC-Registered

Star Star Management Portfolio Traditional

• Established in 1929 • portfolios • Customized style investment buy-and-hold cient, tax-eﬃ • Proven Our conservative approach to investing is that we craft customized craft customized we is that investing to Our conservative approach and researched have We portfolios securities. using individual only on our sweet focus We studied every security portfolio. in your spot — investing. We do not sell nancial insurance, planning fi or products. other investment Shard Financial was created after my family had a tragedy occur. I occur. family had a tragedy after my created was Financial Shard nances play arole in life transitions and realized experienced how fi that just managing investments wasn’t enough nancial— plan a fi goals will help address which investments determine to is one way poverty By falling into strikes. if tragedy help prevent to and how your toward work to map of how a road have plan, we your creating goals and risks pertaining lifestyle. your to Five • Job changes, pension elections Job changes, and buyouts • transfer wealth Retirement, • and widowhood divorce nances, and fi Women • Professional Professional

Star Star © ©

Five Five

Star Star © ©

Five Five

Professional Member FINRA/SIPC Professional Raymond James Financial Services, James Financial Raymond Inc. 2530 S Rochester Rd. Rd. 2530 S Rochester MI 48307 Hills, Rochester Phone: (248) 299-4200 Toll-free: (877) 299-4205 [email protected] Ave. Dyke Van 51685 MI 48316 Township, Shelby Office: (586) 254-4227 [email protected] 1311 S Linden Rd., Ste. D Ste. 1311 S Linden Rd., Flint, MI 48532 Office: (810) 230-8100 [email protected] ameripriseadvisors.com/ craig.1.braun

Winner Star

Registered Principal Registered Two-Year

Member FINRA and SIPC. member FINRA and SIPC. member FINRA and SIPC. Financial Advisor, CRPC® Advisor, Financial Craig A. Braun Chris Demetral Robert H. Frank III

Financial Advisor, Associate Vice President Associate Vice Advisor, Financial

Professional nancial of a evaluation should conduct their own Investors Professional Investors should conduct their own evaluation of a nancial of a evaluation should conduct their own Investors of future nancial success. Ameriprise Financial Services, Inc., Services, Inc., Financial Ameriprise nancial success. of future of future nancial success. Ameriprise Financial Services, Inc., Services, Inc., Financial Ameriprise nancial success. of future Raymond James Financial Services, Inc. Member FINRA/SIPC. Services, Inc. Financial Raymond James

professional as working with a is not a guarantee nancial advisor with a as working professional professional as working with a is not a guarantee nancial advisor with a as working professional We We establish a personalized client-service foundation a strong provides that process for establishing our long-term professional help the time to invest We relationship. details addressed, are concerns all ensure and all parties understood confident are feel going forward. I help people meet the challenge of financing I the future. while planning for the present matter that issues the on clients with work and resources them — protecting most to achieving financial objectives. By developing a relationship with families, with families, a relationship By developing helps clients planning process investment my around challenges solve and identify better their assets for preserving and growing about most. and those they care themselves

Star

Five Five

Professional 203 Ste. Rd., Telegraph 3883 MI 48302 Bloomfield Hills, Office: (248) 282-9905 (248) 282-9954 Professional Fax: [email protected] financial-independence.com 600 Ste. Rd., W Big Beaver 2401 MI 48084 Troy, Phone: (248) 273-4324 (877) 484-4048 Toll-free: [email protected] Wells Fargo Advisors, Advisors, Fargo Wells LLC 600 Ste. W Big Beaver, 2401 MI 48084 Troy, Office: (248) 273-4360 Cell: (248) 321-0754 david.aquilina@ wellsfargoadvisors.com ing Section ing Section

Winner

Star Star 0313-05279]. [CAR Steven Case dverti Two-Year

Senior Vice President – Investments President Senior Vice Associate Vice President – Investments President Associate Vice

Five Star selection process. Wells Fargo Advisors, LLC, LLC, Advisors, Fargo Wells selection Star process. Five investment planning services centered services planning centered investment Special Special AIF®, CFP®, Five Star award winner 2010, 2012, 2013 2012, 2010, winner Star award Five CFP®, AIF®, important information on the scope of the award and the of the award important the scope on information selection process. Wells Fargo Advisors, LLC, Member SIPC. LLC, Advisors, Fargo Wells selection process. or future performance. Please see the introduction section for performance. Please see the introduction or future Five or future performance. Please see the introduction section for performance. Please see the introduction or future Advisor selection is not re satisfaction ective of individual client selection is not re Advisor Advisor selection is not re satisfaction ective of individual client selection is not re Advisor Professional Professional Star and the Five of the award important on the scope information David provides clients with investment advice investment with clients provides David and and preservation. David on capital growth experience. of years 20 than more has Aquilina As a financial advisor with Wells Fargo Fargo Wells with advisor financial a As of a wide range you I can offer Advisors, select helping you services, individual from plan. a retirement developing to investments manager’s performance. For more information, visit vestarprofessional.com. visit information, more performance. For manager’s Steven Case, Co-Founder Steven and Case, Co-Founder Senior Partner, has more than 24 years of experience. His one-on-one approach to managing client interpret properly him to allows relationships future. a better help plan for goals to client Securities and advisory services o ered through National Planning National through ered Securities and advisory services o Advisor. Investment (NPC), Member FINRA/SIPC, a Registered Corportation and unrelated seperate and NPC are Star Five LLC, Independence, Financial of a wealth is not indicative award Star of the Five Receipt companies.

Star Star

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P Five Professional Professional Rd. 3260 E Morgan MI 48108 Arbor, Ann Office: (734) 975-8762 [email protected] ameripriseadvisors.com/ james.i.downing Financial Advisory Advisory Financial Associates St. 40 Oak Hollow MI 48033 Southfield, Phone: (248) 281-1501 [email protected] Altman Financial, LLC LLC Financial, Altman Rd. 2086 Kemp MI 48302 Bloomfield Hills, Office: (248) 481-8775 Cell: (248) 496-8834 [email protected] INANCIAL

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Winner

Joel Brown Two-Year

ERTIFIED Terry R. Altman Terry C

Financial Advisor, CFP®, CLU® Advisor, Financial James I. Downing

are separate entities from LPL Financial. from entities separate are Star

Planning Group, LLC and Altman Financial, LLC, LLC, Financial, and Altman LLC Planning Group,

Group LLC, a registered investment advisor. Global Financial Global Financial advisor. investment a registered LLC, Group © Investment Advice o ered through Global Financial Planning Global Financial through ered o Advice Investment Securities o ered through LPL Financial, Member FINRA/SIPC. Financial, LPL through ered Securities o are not o Investment. or Lincoln nor supervised Analyst through Capital by ered not o are success. Ameriprise Financial Services, Inc., Member FINRA Services, and SIPC. Inc., Financial Ameriprise success. We identify, clarify, quantify and work toward toward and work quantify clarify, identify, We implementation provide We objectives. client services to designed plans. Client-directed and implemented. financial plans designed

as working with a nancial advisor is not a guarantee of future nancial of future is not a guarantee nancial advisor with a as working Investors should conduct their own evaluation of a nancial professional of a evaluation should conduct their own Investors We specialize in financial strategies for helping for in financial strategies specialize We to decisions with regards make informed you wealth independence, financial personal your legacymanagement, planning and transferring the next business to generation. your Advisory services o ered through Capital Analysts, Inc. or Lincoln Investment, Investment, or Lincoln Inc. Analysts, Capital through ered Advisory services o Investment, Lincoln through ered Securities o Advisors. Investment Registered Advisory Financial Member FINRA/SIPC, www.lincolninvestment.com. Dealer, Broker services Legal entities. liated nona independent, are rms and the above Associates For more than 20 years, Jim has been helping Jim has been helping 20 years, than more For of financial the process people through planning. He understands that not it’s just it is about understanding numbers, the about and how the future for hopes and dreams your get there. a financial plan can help you

Five Five

Professional Professional FS 30 — www.fivestarprofessional.com

Five Five

Star Star © ©

Five Five

Five Five © ©

2013 Five Star Wealth Managers Professional

Professional Professional .com/

michael_kovie michael_kovie Star 5435 Corporate Dr., Ste. 260 260 Ste. Dr., 5435 Corporate MI 48098 Troy, Phone: (248) 641-3532 [email protected] www.creativefg.com MI 48304 Bloomfield Hills, Direct: (248) 723-1833 [email protected] www.morganstanleyfa Fulkerson Fulkerson Capital Management Dr. Creek 49701 Shelby MI 48317 Township, Shelby Cell: (248) 670-9823 [email protected] www.davefulkerson.net

— FS 31 www.fivestarprofessional.com President, CPA President, Chief Investment Officer Investment Chief David Fulkerson Michael S. Kovie Richard J. Gregor Richard AXA Advisors or AXA Network. Network. or AXA Advisors AXA

Professional Professional CFP® Advisor, Financial President, Vice

© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Smith Barney LLC. Stanley © 2013 Morgan through AXA Advisors, LLC (New York, NY 212-314-4600), York, (New LLC Advisors, AXA through through AXA Network, LLC and its subsidiaries. (AR License No. No. License (AR and its subsidiaries. Network, AXA LLC through member FINRA, SIPC, and o products ers annuity insurance and member FINRA, SIPC, and o 417154) Creative Financial Group LLC is not owned or operated by by or operated owned is not LLC Group Financial 417154) Creative Richard J. Gregor o advisory services and investment ers securities o J. Gregor Richard Wharton Certificate in retirement planning. planning. Wharton Certificate in retirement Diversification was supposed to protect us us protect supposed to was Diversification lived have We It markets. bear didn’t. from and corrections major two in 12 years through corrections these where up back are stocks should you if review to time the is Now began. do to designed systems investing look into here. from down or up goes market the if well dangerous learn five the about to today Call in the next 10 years. facing investors trends I work with my clients the way I would hope hope would I way the clients my with I work — be treated family to own and expect my My Senior intellect. and integrity honesty, with and I Kremer, Dawn ServiceClient Associate, very everywork do the best job to hard day serve. we the clients can for we

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[email protected] ameriprise.com 8455 S Saginaw St., Ste. 101 101 Ste. St., 8455 S Saginaw MI 48439 Blanc, Grand Office: (810) 579-2838 (800) 390-7925 Toll-free: 1108 N Main St. 1108 N Main St. MI 48307 Rochester, Direct: (248) 218-8243 Toll-free: (877) 407-2707 [email protected] dverti Star A

Winner ©

Two-Year

Financial Advisor, CRPC® Advisor, Financial Bruce A. Bruce French Vice President, Financial Advisor Financial President, Vice setbacks. Dawn Hausch-Cooper Special Special

— Five Star award winner Star award — Five Five

Professional Professional from recover What matters matters What

success. Ameriprise Financial Services, Inc., Member FINRA Services, and SIPC. Inc., Financial Ameriprise success. I appreciate the trust my clients have placed in placed have clients the trust my I appreciate me. Helping clients with wealth creation and practice. of my preservation cornerstone is the experience client custom a on is Myfocus of service each individual with a high level for Visit www.morganstanley.com/fa/ family. information. more for bruce.french as working with a nancial advisor is not a guarantee of future nancial of future is not a guarantee nancial advisor with a as working Investors should conduct their own evaluation of a nancial professional of a evaluation should conduct their own Investors I am passionate about working with my working about my with passionate am I financial experience them to and want clients offer I retirement. in and now confidence service on building personalized focusing suits a plan that and designing relationships their unique needs.

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Five Five

Professional Professional 400 Ste. St., 255 E Brown Birmingham, MI 48009 Direct: (248) 433-8361 [email protected] [email protected] www.glebaandassociates.com 46 E Square Lake Rd. Lake 46 E Square MI 48085 Troy, Phone: (248) 879-4510 Birmingham, MI 48009 Phone: (248) 258-1764 [email protected]

Jill Gleba

Winner

Star Manager Wealth Star

[CAR 0413-02477]. [CAR

Two-Year

Dana Margiotta Frellick Dana Margiotta

CFP®, Financial Advisor, First Vice President Vice First Advisor, Financial CFP®,

CFP®, CIMA®, First Vice President – Investment Officer – Investment President Vice First CIMA®, CFP®, Five © 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Smith Barney LLC. Stanley © 2013 Morgan selection process. Wells Fargo Advisors, LLC, Member SIPC. LLC, Advisors, Fargo Wells selection process. or future performance. Please see the introduction section for performance. Please see the introduction or future Professional Professional satisfaction ective of individual client selection is not re Advisor Securities o ered through Cambridge Investment Research, Inc., a Inc., Research, Investment Cambridge through ered Securities o important information on the scope of the award and the Five Star Star and the Five of the award important on the scope information With more than 11 years of experience than 11 years more With providing for has established a reputation long-term investment management and and her clients for planning advice wealth of integrity, their families built on a foundation . of service continuity and experience With more than 15 years of experience, you you experience, of years 15 than more With of dedication and expectcan attention the the with coupled professional seasoned a institution. world-classfinancial a of resources It has been a pleasure to serve our clients for for serve clients to our It pleasure a been has insurance, Our firm offers years. 28 than more for planning and retirement investment individuals and businesses. simple!” make wealth “We

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1590 Eisenhower Pl. 1590 Eisenhower MI 48108 Arbor, Ann Phone: (734) 477-5233 [email protected] ameripriseadvisors.com/ sara.x.mehraban 1403 E 5 40701 Woodward Ave., Ste. 200 Ste. Ave., Woodward 40701 MI 48304 Bloomfield Hills, Direct: (248) 723-1820 (866) 334-8866 Toll-free: [email protected] www.morganstanleyfa.com/maly Royal Oak, MI 48067 Oak, MI 48067 Royal Direct: (248) 719-1900 [email protected]

Winner Star

Two-Year Financial Advisor, CRPC® Advisor, Financial Patrick A. Maly Chuck O'Connor Dr. Sara Mehraban Sara Dr.

Second Vice President, Financial Advisor Advisor Financial President, Vice Second

Professional Member SIPC. Smith Barney LLC. Stanley © 2013 Morgan Professional Securities o ered through LPL Financial. Member FINRA/SIPC. LPL Financial. through ered Securities o Principal, Chartered Retirement Planning Counselor (CRPC®) Counselor Planning Retirement Chartered Principal, success. Ameriprise Financial Services, Inc., Member FINRA Services, and SIPC. Inc., Financial Ameriprise success. You’re busy, but you still have financial financial still have but you busy, You’re help you to here I’m goals and aspirations. 24 For within reach. bring those dreams providing by clients helped my I have years, financial planning services comprehensive . unique situation based on each person’s nancial professional of a evaluation should conduct their own Investors nancial of future is not a guarantee nancial advisor with a as working I’m honored to be recognized again as a Five Five a as again recognized be to honored I’m more With 2013. Manager for Wealth Star in I concentrate in the industry, than 20 years and management money income, customized to committed am I services. planning financial first-class service. client providing registered investment advisor and separate entity from LPL Financial. LPL Financial. entity from and separate advisor investment registered Our objective is to ethically and professionally professionally and ethically Ourobjective to is craft well-designed, custom-built financial pursue to clients can enable our that strategies of a large the experience offer We their goals. of a with the personal attention firm coupled small firm. L.L.C., a Group, Financial O'Connor through ered o advice Investment

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Five Five

Professional Professional www.extracreditinvestments.org 6611 Chicago Rd. 6611 Chicago Rd. MI 48092 Warren, Office: (586) 276-3108 [email protected] 40701 Woodward Ave., Ste. 200 Ste. Ave., Woodward 40701 MI 48304 Bloomfield Hills, Phone: (248) 723-1832 [email protected] ing Section ing Section s

dverti Star Michele Nehls A Financial Financial

well-being. © Sandra E. Lutkenhoff to financial financial to CFP®, Vice President, Financial Advisor Financial President, Vice CFP®,

planning is a planning is a

— Five Star award winner Star award — Five Management, and Securities America are separate entities. entities. separate are and Securities America Management, Special Special holistic approach holistic approach © 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Smith Barney LLC. Stanley © 2013 Morgan Financial Consultant, Investment Advisor Representative Advisor Investment Consultant, Financial Five advisory services o ered through USAdvisors Wealth Management, LLC, LLC, Management, Wealth USAdvisors through ered advisory services o Michele Nehls, Representative. Extra Credit Union, the USAdvisors Wealth Wealth Union, the USAdvisors Extra Credit Representative. Michele Nehls, Professional Professional Value • May Lose Union Guarantees Credit • No Insured NCUA Not Securities o ered through Securities America, Inc., Member FINRA/SIPC and Inc., Securities America, through ered Securities o

I appreciate the trust my clients have placed placed have clients the trust my I appreciate plan a customized My receive clients in me. my help I specific needs. their to tailored and transfer protect accumulate, clients working with their intergenerationally wealth other professionals.

Michele brings wealth mgmt. strategies to assist to strategies Michele mgmt. brings wealth retirement investment, their with members Michele needs. income and insurance planning, values, your one-on-one towards works you, with her a call today! Give advice. using individualized

Star Star INANCIAL F

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Five Five Professional Professional 200 Ste. Ave., Woodward 40701 MI 48304 Bloomfield Hills, Phone: (248) 723-1823 [email protected] www.morganstanleyfa.com/nauer [email protected] www.financialguide.com/Earl-McHugh Detroit Financial Financial Detroit Group 295 Ste. W 12 Mile Rd., 33533 MI 48331 Hills, Farmington Cell: (248) 229-7878 Office: (248) 324-9315 Scripter and Associates Rd., W Big Beaver 3155 103 Ste. Troy, MI 48084 Phone: (248) 643-4965 [email protected] www.cleatonlindsey.com

™ and federally registered CFP (withCFP registered federally and ™

LANNER P

Financial Consultant Financial

Richard Nauer Richard Earl E. McHugh

Star Star INANCIAL F MassMutual or its a companies. liated MassMutual or its a Cleaton M. Lindsey III Cleaton M. ™ professional, has been helping has been helping ™ professional,

C Registered Investment Advisor. Member FINRA and SIPC. Member FINRA and SIPC. Advisor. Investment Registered Michigan Metro 33533 W 12 Mile Rd., Ste. 295, Farmington 295, Farmington Ste. W 12 Mile Rd., 33533 Michigan Metro MA 01111-0001. Local sales agencies are not subsidiaries of not subsidiaries sales agencies are Local 01111-0001. MA Hills, MI 48331 (248) 324-1100. Insurance Representative of Representative MI 48331 (248) 324-1100. Insurance Hills, Senior Vice President, Portfolio Manager, Financial Advisor Financial Manager, Portfolio President, Senior Vice LANNER MassMutual. MassMutual Financial Group is a marketing name name is a marketing Group Financial MassMutual MassMutual. complete CFP Board’s initial and ongoing certi requirements. cation initial and ongoing certi CFP Board’s complete Securities and Advisory Services o ered through LPL Financial, a LPL Financial, through ered Securities and Advisory Services o for Massachusetts Mutual Life Insurance Company (MassMutual) (MassMutual) Company for Massachusetts Mutual Life Insurance advisory services through MML Investors Services, LLC a member Services,advisory LLC Investors MML services through Registered Representative of and o and investment ers securities of and o Representative Registered and its a liated companies and sales representatives, Spring eld, Spring and sales representatives, companies liated and its a My specialty is providing alternative alternative My specialty providing is and asset preservation strategies investments, go along with planning to income retirement investments. traditional more investors organize, manage, build and protect build and protect manage, organize, investors 30 years. for their wealth ed Member SIPC.Certi Smith Barney LLC. Stanley © 2013 Morgan marks cation the certi owns Inc. of Standards Planner Board Financial CFP®, P of the MassMutual Financial Group, Member SIPC. OSJ MassMutual OSJ SIPC. Member Group, Financial MassMutual the of ame design) in the U.S.,which it awards to individuals who successfully individuals who successfully to it awards in the U.S.,which ame design) Rick, Manager and Portfolio

Five Five

Professional Professional FS 32 — www.fivestarprofessional.com

Five Five

Star Star © ©

Five Five

Five Five © ©

2013 Five Star Wealth Managers Professional

Professional Professional

915 N Michigan Ave., Ste. 102 Ste. 915 N Michigan Ave., MI 48843 Howell, Direct: (517) 376-6272 Office: (517) 376-6273 [email protected] StefanskiWealthManagement.com Boesky & Walter Associates 200 Ste. W 12 Mile Rd., 17320 MI 48076 Southfield, Phone: (248) 559-4750 [email protected] Star Consolidated Consolidated Financial Corporation Hwy., 28411 Northwestern 950 Ste. Southfield, MI 48034 Ext.(248) 351-6000, 1152 Office: (248) 224-3239 Cell: [email protected]

Areas of focus: retirement Areas of focus: retirement

— FS 33 www.fivestarprofessional.com Winner

Managing Partner Managing Paul Walter Two-Year Wealth Consultant, MBA Consultant, Wealth James Stefanski

Barbara F. Robins Barbara F. Investment Advisor Representative Advisor Investment Professional

Inc., Registered Investment Advisor, Broker/Dealer. Member FINRA/SIPC. Broker/Dealer. Advisor, Investment Registered Inc., Securities o ered through LPL Financial. Member FINRA/SIPC. LPL Financial. through ered Securities o Advisory services and securities o ered through Lincoln Investment Planning, Planning, Investment Lincoln through ered Advisory services o and securities Supervising o ce: 218 Glenside Avenue, Wyncote, PA 19095, (800) 242-1421. 242-1421. 19095, (800) PA Wyncote, 218 Glenside Avenue, ce: Supervising o Paul has based his career upon helping upon helping has based his career Paul is This their financial goals. achieve clients independent providing by accomplished advice along with value-added tax and thank you clients, my “To services. accounting support.” your for I take pride in listening to my clients and and clients my to I take pride in listening their individual financialhelping them achieve goals. I will work one-on-one with you to and insurance investment understand your and help you needs and then design needs. your to a plan customized implement We face unique challenges in life. Special Special unique challenges in life. face We those challenges address is taken to care a prioritizing and creating identifying, by plan. personalized women, distribution planning; professional planning. and investment or widowed; divorced

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Five Five

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2401 W Big Beaver Rd., Ste. 600 Ste. Rd., W Big Beaver 2401 Troy, MI 48084 Office: (248) 273-4326 Toll-free: (877) 497-2253 19810 Mack Ave. MI 48236 Woods, Pointe Grosse Office: (313) 640-1200 [email protected] www.lpl.com/martin.reid dverti Star A

Two-Year Martin D. Reid Martin D. Giovanni Volpe Vice President – Investments President Vice LPL Financial, Member FINRA/SIPC. LPL Financial,

build wealth. Special Special must invest in must invest money — you money — you Five — Five Star award winner Star award — Five

Professional Professional opportunities to You will never get never will You

rich by just saving just saving rich by information on the scope of the award and the star selectionve and the of the award on the scope information

Advisor selection is not re satisfaction or ective of individual client selection is not re Advisor process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0413-02450] . 0413-02450] Member SIPC. [CAR LLC, Advisors, Fargo Wells process. future performance. Please see the introduction section for important performance. Please see the introduction future I am thankful for the opportunity to help the opportunityI am thankful for help to I needs. investment their with clients my basis with closely on a individualized work comprehensive a develop to investors all their meet to designed strategy financial life-timeobjectives. and needs goals, financial Our mission is to cultivate long-term built on knowledge and relationships integrity, providing the highest-quality on each client’s focuses that objective advice Martinunique situation. than 27 has more comprehensive providing of experience years provide also We services. management wealth plan services. retirement corporate

Star Star

Five Five

Professional Professional Korb, Toy & Associates, CPAs 303 Ste. Dr., 4555 Investment Troy, MI 48098 (248) 641-8900, Ext. 201 Phone: [email protected] www.korb-toy.com 17515 W Nine Mile Rd., Ste. 440 Ste. W Nine Mile Rd., 17515 Southfield, MI 48075 Direct: (248) 423-2700 Toll-free: (888) 458-0667 [email protected] www.speirfinancial.com Petersmark Petersmark Financial Network, Ltd. 120 Ste. Dr., Valley 2395 Oak MI 48103 Arbor, Ann Phone: (734) 372-7191 [email protected] lpladvisorweb.com/brett. petersmark

Partner

Winner

Star Star Shirley Toy

member FINRA/SIPC. James J. Speir Two-Year

Securities o ered and sold through CoreCap Advisors, Advisors, CoreCap and sold through ered Securities o

Securities and Advisory Services o ered through LPL Financial, LPL Financial, through ered Securities and Advisory Services o Five Professional Professional Professional Insurance Licensed Advisor, Financial President, Our firm mission is to provide exceptional exceptional provide to is Our firm mission reliable serviceclient along with accurate, measure We and tax information. accounting to clients helping our by our success be successful. For more than a decade, Speir Financial Financial Speir decade, a than more For Services financial, independent has provided management investment and insurance Thank families. and individuals to advice us with their who entrust our clients to you business. For more than 20 years, I have assisted my my assisted I have than 20 years, more For and financial advice independent with clients support to is meaningfulin what strategies their trust and recognition for I am grateful life. of this award!

Star Star © ©

Five Five

Star Star © ©

Five Five