Kimberly Crane is a CFP® professional with 27 years of industry experience, currently affiliated with Morgan Stanley. Her background includes roles at Wells Fargo Bank, N.A., Wells Fargo Advisors LLC, and Morgan Stanley Private Bank, N.A. She serves on the board of the Hubbards Annex Homeowners Association, a nonprofit organization on Mackinac Island, Michigan. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone planning service.

Allen Kowalski is a financial advisor with Raymond James & Associates in Cedarville, MI, holding Series 65 and Series 66 credentials and 26 years of industry experience. He has been with Raymond James & Associates since 2010. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and municipal finance services.

Jeffrey Gembis is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside investment modeling to support its advisory services.