Jonathan Ricks

Jason is the founder of Front Street Wealth Management, serving individuals and families as a fee-only wealth manager in the Traverse City area for over two decades, and is also the founder of the Money Series, a nonprofit committed to providing open access to financial education, for all. Before becoming a fee-only investment adviser and financial planner, Jason practiced as an actuary specializing in investment and liability risk management for Allianz Life Insurance Company and ReliaStar Investment Research, both located in Minneapolis, Minnesota. He later applied his actuarial background to serve clients as a wealth manager in Northern Michigan. Jason graduated from Michigan State University in 1994 with a Bachelor’s degree in Mathematics. In 1999, Jason became an Associate of the Society of Actuaries (ASA, ’99-’04). Currently, he is both a Chartered Financial Analyst (CFA) charterholder and a Certified Financial Planner (CFP®) certificant. Jason is a member of the CFA Institute, CFP Board and NAPFA.

Patrick Kolody is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career with Merrill in 1996, he has accumulated over 25 years of experience in the financial services industry. Patrick is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. He works with high net worth individuals to define and implement their long-term financial goals, with expertise in areas including college education planning, family wealth management strategies, legacy planning, retirement income, and tax minimization. Patrick earned a bachelor's degree from Grand Valley State University. He resides in Traverse City, Michigan, with his wife Joelle and their sons Sean and Parker. Committed to community involvement, Patrick serves on the board of Traverse City’s At Risk boxing club, which supports disadvantaged youth, and participates in the Traverse City RipTide Youth Mentoring program. His personal interests include basketball, boating, golfing, reading, and spending time with his family.

Karin Ulrich Engel is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 30 years of financial experience, including 16 years with Merrill Lynch, and holds the CERTIFIED FINANCIAL PLANNER® designation as well as the Personal Investment Advisor (PIA) credential. Karin's practice focuses on helping clients navigate significant life transitions such as retirement, career changes, loss of a loved one, and legacy planning. She works closely with clients to develop personalized strategies aimed at achieving their financial goals and managing wealth across generations. Karin earned her Bachelor's degree from North Central College and a Master's degree from the University of Phoenix. Prior to her current role, she gained experience in the insurance and banking industries and taught personal finance classes. Her expertise includes personal retirement planning, portfolio management, and advising women on wealth matters. Outside of her professional work, Karin is involved with the Northern Illinois Food Bank and has contributed her skills by sewing clothing for community programs and supporting youth through teaching sewing to Girl Scout troops. Her personal interests include cooking, gardening, knitting, crocheting, photography, reading, sewing, and traveling.

Roxanne Hunter is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2013, bringing with her extensive experience from a prior career as Vice President and CFO of a national engineering firm. Roxanne focuses on managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. With more than a decade in financial services, Roxanne employs a goals-based approach to wealth management that emphasizes comprehensive and personalized financial strategies. Her expertise encompasses investment, financial, estate, tax minimization, and liability planning tailored to high net worth individuals and families. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roxanne earned her bachelor’s degree from Central Michigan University. Based in Cadillac since 1986, Roxanne lives with her husband, Scott, where they raised their three children. Outside of her professional work, she enjoys boating, golfing, reading, and spending time with her family.

Gregory Mead is a Wealth Management Advisor and the founder and lead advisor for the Mead Group at Merrill Lynch Wealth Management. Since beginning his career in financial services in 2001, he has focused on setting the overall direction for his team and developing investment strategies to support clients’ financial goals. He serves as a qualified Portfolio Manager within the Merrill Investment Advisory Program, managing personalized and defined discretionary strategies. These strategies incorporate individual stocks and bonds, Merrill model portfolios, third-party investments, and alternative investments for qualified clients, including private equity, real estate, and hedge funds. Greg holds a Bachelor’s degree from the Eli Broad School of Business at Michigan State University, where he graduated with High Honors and a 4.0 GPA. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Chartered Retirement Planning Counselor™ designation. Greg has been recognized multiple times on the Forbes "Best-in-State Wealth Advisors" list from 2019 through 2023. His areas of expertise include family wealth management, college education planning, retirement income, tax minimization, socially responsible and ESG investing, and philanthropic planning. Actively involved in his community, Greg serves on the Board of Directors and Finance Committee for the Boys and Girls Club of Greater Kalamazoo as well as on the Board of Directors for the West Michigan Spartans Alumni Association. He has also contributed as a member of the Finance Committee for the Grand Rapids Public Museum. Greg lives in Grand Rapids, Michigan, with his wife Angela and their three sons. Outside of work, he enjoys skiing, volleyball, biking, boating, and spending time with his family.

J Fioroni is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over four decades of experience in investment and wealth management advisory services. Since joining Merrill in 1982, he has focused on developing client relationships tailored to their individual needs and aspirations. Working as part of Team Fioroni, which collectively holds over 60 years of industry experience, he assists clients ranging from growing families to retirees in defining and pursuing their financial goals through comprehensive wealth management planning. Fioroni holds the Chartered Retirement Planning Counselor (CRPC™) and Personal Investment Advisor (PIA) designations. He earned dual Bachelor of Arts degrees from Michigan State University. Beyond his advisory role, he has been involved in leadership development, having taught Dale Carnegie Leadership Courses for 15 years across Michigan. He is an officer of the Rotary Club of Flint, Michigan, and actively participates in the community through this organization. Fioroni is also an avid baseball player and fan, competing in Men’s Senior Baseball tournaments locally and nationally. He lives in Michigan with his wife, Lynette, and their three children.