Morgan Wolfe is a financial advisor at Morgan Stanley with eight years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017 and previously worked at Central Michigan University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Peter Millar III is a financial advisor with LPL Financial in Romeo, MI, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at NYLIFE Securities Inc and New York Life Insurance Company. Outside of advisory work, he has longstanding experience in the food services industry. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Richard Cech Jr. is a financial advisor at Osaic with 24 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Osaic since 2023. His prior experience includes roles at FSC Securities Corporation and his own CPA firms, Richard R. Cech, CPA, and Cech & Company LLC. Outside of advising, he provides certified public accounting services through his sole proprietorship. Osaic Wealth serves a broad mix of retail and institutional clients via a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and advisor-managed portfolios. The firm employs a model-based investment process with asset allocation and portfolio optimization tools, supporting discretionary management and third-party managers.

Kevin McCarthy is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and Wall Street Financial Group, Inc. Outside of his advisory role, he serves as president of the Long Lake Pines Association, managing budgeting, finance controls, and community operations. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization supported by advanced tools and multiple managed account options.

Jason Baird is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior roles include positions at Aurora Securities, Concorde Investment Services, and Hantz Financial Services. Outside of his advisory work, he serves as a non-voting board member of Verlinde Insurance Agency, a licensed insurance corporation. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and multiple program offerings.

Aaron Oskey is a financial advisor with LPL Financial in Rochester, Michigan, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Inc., and Firstmerit Bank. Outside of his advisory work, he is an owner and investor in several business entities unrelated to investing, including Christopher Care, Choosing Life. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Jennifer Michalski is a financial advisor with Morgan Stanley in Rochester, MI, holding a Series 66 designation. She has experience working with several firms since 2020, including Planning Alternatives and Hoover & Associates. Prior to her advisory roles, she held positions in diverse sectors such as retail at Home Depot and at the University of Hawaii at Manoa. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Lorri Freed is a financial advisor at LPL Financial with 38 years of industry experience. She holds the CFP® and Series 63 designations. Her prior experience includes 21 years at SIGMA Financial Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of financial planning and investment management solutions, utilizing both proprietary research and third-party resources.

Janelle Micks is a CFP®-certified financial advisor with 11 years of industry experience, currently practicing at Edward Jones in Richmond, MI. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of various net worth levels, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Steffen Mc Caughtry is a financial advisor with LPL Financial based in Rochester, MI, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2025, he held various roles including employment at Olive Garden and Wing Snob. He continues to work at Olive Garden outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services, utilizing both proprietary research and third-party strategies, with notable scale across advisory, insurance, and banking partnerships.

Matthew Blackman is a financial advisor at LPL Financial with four years of industry experience and holds the Series 66 designation. His work history includes roles at Sigma Planning Corporation, Michigan Financial Company, UHY Corporate Finance, and the University of Michigan. Blackman is also involved with Trinitas Planning Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and various strategies across discretionary and non-discretionary accounts.

Joseph Cercone is a financial advisor at LPL Financial in Rochester, MI, holding a Series 66 designation with one year of industry experience. His previous roles include positions at Community Choice Credit Union and Livonia Italian Bakery. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,900 advisors and managing more than $819 billion in discretionary assets.

Robert Dietrich is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Ameriprise and Ameriprise Advisor Services before joining LPL Financial in 2015. He operates a business entity, Aquest Wealth Strategies, related to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Jennifer Oprinski is an Associate Resident Director at Merrill, where she brings a comprehensive approach to wealth management. Having joined Merrill in 2000 after two years at Bank of America, she combines her banking and lending experience to offer well-rounded financial perspectives. Jennifer is also the branch manager of the Clinton Township office and has served as Resident Director since 2023. She co-founded the Nofs Oprinski Group in 2010, focusing on goals-based strategies for families, business owners, dentists, and physicians. Jennifer holds the Certified Plan Fiduciary Advisor® (CPFA®) designation, Certification in Longevity Training from the University of Southern California, and several FINRA registrations including Series 7, 9/10, 31, 63, and 65. She is licensed in all 50 states and holds life and health insurance licenses. Her expertise covers areas such as college education planning, divorce transition planning, family wealth management, legacy planning, retirement planning, portfolio management, small business strategies, and socially responsible investing. Committed to community involvement, Jennifer volunteers with organizations including Habitat for Humanity, Macomb Charitable Foundation, Meals on Wheels, and Miracle League. She is also active in her parish. Outside of work, she enjoys baseball, music, photography, reading, traveling, yoga, and spending time with her family, including her husband and two grandchildren.

Michelle Rafalski is a financial advisor with Cambridge Investment Research Advisors in Rochester, MI, holding a Series 66 designation and five years of industry experience. Prior to joining Cambridge, she worked at Marcus & Millichap for eight years. She serves as a board member of the Birmingham Bloomfield Chamber of Commerce and is co-chair of networking at the Royal Oak Chamber of Commerce. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, and retirement-plan advisory services to a diverse client base that includes individuals, institutions, pension funds, and charitable organizations. The firm offers both discretionary and non-discretionary management across multiple platforms, proprietary model strategies, and access to unaffiliated third-party advisers.

Trisia Gotham is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. Her prior roles include positions at Infinex Investments, Inc. and Essex National Securities, LLC. She is also a branch manager and notary at Flagstar Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining a broad advisory network with a range of non-advisory financial services.

Kevin Hepner is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he co-owns a business called David Brazen. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers these services through a centralized consulting team working alongside financial advisors.

Edward Maedel II is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 licenses. He has 16 years of industry experience, including prior roles at Sigma Financial Corporation and Thrivent Investment Management. He serves as a board member of the St. Peters Lutheran Church Richmond MI Endowment Board. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides access to multiple platforms and third-party advisers while managing a multi-billion dollar asset base.

Kerigan Schmidt is a financial advisor at Raymond James Financial with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, Schmidt worked at Morgan Stanley for four years and has held positions in both corporate and self-employed roles. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individual and high-net-worth clients, institutional investors, and charitable organizations. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through an affiliated municipal advisor.

Gerald Milliken is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 and Series 63 designations and previously worked at JPMorgan Chase Bank, N.A. for nineteen years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative screening and qualitative research to deliver non-discretionary, customized asset allocation advice and investment manager searches.