Robert Ray is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding a Series 66 designation and bringing 20 years of industry experience. He has been with UBS since 2005. Outside of his advisory work, he serves as Vice Chair on the boards of both the Oakland University Golden Grizzlies Champions Club and the Oakland University Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Zachary Bensinger is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including a role with Morgan Stanley Private Bank, N.A. Outside of his advisory work, he was formerly affiliated with Michigan State University. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and does not provide individual security recommendations as part of its standalone planning offerings.

Robert Loupee is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 47 years of industry experience. He previously worked at UBS Financial Services from 2011 to 2020 before joining RBC in 2020. Outside of his advisory role, Loupee serves as treasurer for both a condominium association and a youth music charity in Pontiac, Michigan, and acts as an arbitrator for FINRA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering a range of advisory programs with customized portfolio management and financial planning services. The firm utilizes both in-house and third-party managers and provides access to alternative investments, tax management, and responsible investing options.

Kelly Mckinney is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves as a committee member of the Oakland Schools Parent Advisory Committee, which focuses on issues related to children with special needs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including high-net-worth individuals, institutions, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research resources.

Derek Zachariah is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2006 to 2024. He also has a business entity, DSZ Creations LLC, used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Armin Niksimaee is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024 and as an Underwriter at United Wholesale Mortgage from 2021 to 2022. His work focuses on partnering with clients and their families to develop comprehensive financial plans aimed at achieving their financial objectives and providing peace of mind. Armin's approach involves co-creating sustainable financial strategies tailored to each client's unique goals. Outside of his professional responsibilities, he has interests in cars, comedy, food, golf, and music.

Andrew Grabinski is a financial advisor with Raymond James & Associates in Auburn Hills, MI, holding the Series 66 designation and bringing 20 years of industry experience. He has been with Raymond James & Associates since 2007 and has worked at Oakland University since 2003. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Jennifer Ball is a financial advisor with Ameriprise in Hazel Park, MI, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a Girl Scout troop leader, where she facilitates volunteers and supports the PTA president. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory resources to deliver tailored retirement income plans primarily for clients with Ameriprise-managed accounts.

Jialin Li is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Li worked at Bank of America from 2022 to 2025. Outside of advising, Li is the owner of Elseven LLC, an inactive entity initially intended to support a family social media channel. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, utilizing internal and third-party managers.

Shelby Masen is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial, Masen held roles at Sigma Financial Corporation and Olympia Entertainment. Masen is also involved in non-variable insurance sales through a separate agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Anuj Rama is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to this, he worked at Wayne State University and Mortgage Center LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by quantitative modeling tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers advisory solutions through its Financial Advisors and Estate Planning Strategies Group.

Timothy Dimock is a CFP® and ChFC® with 30 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Cory Miglio is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Trenton Zylinski is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. His prior work includes roles at Uniservices, Northwestern Mutual, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Adam Walsh is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Osaic since 2018. Prior to joining Osaic, he worked for 14 years at Signator Investors/John Hancock. Outside of his advisory role, Walsh is a co-owner of a private garage facility used for racing activities. Osaic Wealth, Inc. serves a diverse client base that includes individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of affiliated advisors and employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage discretionary and non-discretionary portfolios across various investment vehicles.

Rachael Chartier is a financial advisor at Ameriprise with 13 years of industry experience. She holds a Series 66 designation and previously worked for nine years at LPL Financial. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, focusing on income sources, Social Security options, and withdrawal strategies.

Susan Burns is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2015. She serves as a trustee in a fiduciary capacity for a non-investment related entity. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ralph Koss is a financial advisor with Raymond James & Associates in Clinton Township, MI, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James for 27 years and is also the owner of Pilot Financial Group, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Jeff Biernat is an Investment Management Consultant II at Fidelity Investments, a role he has held since 2023. He has extensive experience in the financial services industry, having worked as a financial advisor at Allstate Financial Services, LLC from 2005 to 2023, Huntington Investment Company from 1998 to 2005, and Morgan Stanley in 1998. Throughout his career, Jeff has focused on helping clients and their families develop comprehensive financial plans aimed at achieving long-term peace of mind. He collaborates with clients to understand their goals and aspirations, co-creating financial strategies that utilize Fidelity's resources. Outside of his professional work, Jeff enjoys boating, hiking, kayaking, running, and traveling.

Timothy Moran is a financial advisor with Wells Fargo Advisors in Rochester, MI, holding Series 63 and Series 65 licenses and with 36 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009 and owns Moran and Company Investment Consulting Group. He also serves as a trustee and holds power of attorney responsibilities for family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop customized recommendations.