Matthew Holmes is a financial advisor at Fidelity with 10 years of industry experience. He holds the Series 66 designation and has worked at firms including Morgan Stanley and Citizens Securities, Inc. Outside of his advisory role, he works as a retail sales associate in golf at Dick's Sporting Goods. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Dawn Chaltraw Levy is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and Quicken Loans. 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Luke Skillman is a financial advisor with Stifel in Southfield, MI, holding a Series 66 designation and joining the firm in 2026. He has previously worked at Dell Technologies and Michigan State University in various roles. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Ryan Hozeska is a financial advisor with OSAIC, holding a Series 66 designation and six years of industry experience. Prior to joining OSAIC in 2020, he worked at Saginaw Valley State University and has been involved with Complete Enterprise since 2014. He is also engaged in sales and marketing of fixed annuities, securities, and investment advisory products through Michigan Financial Companies and Fathom Financial Partners. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs advanced asset-allocation tools and supports various platform programs, combining multiple advisory platforms under one umbrella.

Henry Gembis is a CFP® and holds a Series 66 license, with nine years of experience in the financial industry. He is currently employed at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2024. Prior to this, he worked at Bank of America and Merrill Lynch from 2017 to 2024. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering financial planning and estate planning services supported by structured planning tools and modeling techniques.

Kristo Cule is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. His work history includes roles at MassMutual Life Insurance Co and Rocket Central. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

Daniel Haddad is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior firms include Concourse Financial Group Securities Inc and Eschels Financial Group, where he worked for 18 and 9 years respectively. Outside of his advisory role, he owns Fowling Warehouse LLC, a recreational business combining football and bowling. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and affiliated or third-party managers to deliver tailored investment solutions.

Jennifer King is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at J.P. Morgan Securities and JPMorgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Moiz Kharodawala is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 credentials and having 12 years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and also serves as an independent insurance agent through Gleba and Associates Inc. since 2013. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing multiple custody platforms and both proprietary and third-party investment strategies.

Patrick Maly is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Abigail Huisinga is a financial advisor with Raymond James & Associates in Novi, Michigan, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Raymond James, she worked at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of her advisory role, she is involved with Ward Church, where she leads music for Sunday services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and non-discretionary investment consulting, supported by extensive research and a range of portfolio management styles.

Mark Phillabaum is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL in 2017, he worked at Ford Motor Company for 26 years. Outside of his advisory role, he is involved with CSRB Horizons LLC, a family farm in Iowa. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and multiple investment strategies.

Clayton Sebastian is a financial advisor at Equitable Advisors with two years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Equitable Advisors, he worked at Jackson National Life Insurance Company and United Wholesale Mortgage. Outside the financial sector, he spent time working at Camp Ticonderoga. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Malik Amine is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked with Wealth Strategies Financial Group and Securian Financial Services, among other firms. Outside of finance, he is involved in wrestling through multiple roles, including owning a media company producing wrestling videos and podcasts, directing training camps, and broadcasting Michigan Wrestling events. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create custom strategies.

Joseph Longo is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and possessing 52 years of industry experience. He has been with LPL Financial since 2000. Outside of his advisory role, he is involved in marketing fixed insurance and annuity products and has experience as an independent insurance agent specializing in fixed and Medicare annuities and elder care planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven solutions.

Josh Hartman is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2021, serving in various capacities including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Josh worked as a Financial Planner at Michigan Financial Companies and as a Financial Advisor at Edward Jones. Josh's professional focus involves delivering comprehensive financial and investment planning services to help clients work toward long-term financial success. He is committed to guiding clients through their financial journeys, from the beginning stages to retirement preparation, emphasizing clarity, confidence, and peace of mind through personalized strategies. Outside of his professional work, Josh has interests in baseball, football, hiking, pets, and traveling.

Peter Strek is a financial advisor with RBC Capital Markets in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile, utilizing both in-house and third-party investment managers.

Nicole Haines Livesay is a Series 66 licensed financial advisor with Morgan Stanley in Birmingham, MI, bringing 13 years of industry experience. She has worked at Morgan Stanley since 2020 and previously held roles at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.

Kathleen Lofton is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has worked with J.P. Morgan entities since 2012, including roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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.

Caleb Kinney is a financial advisor at Ameriprise in Detroit, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise, he was a full-time student and worked in the restaurant industry. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset eligibility criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, combining algorithmic tools and personalized recommendations in its retirement planning approach.