David Sarotte is a financial advisor with Ameriprise in Royal Oak, MI, holding a Series 66 designation and 16 years of industry experience. He has been associated with Neal, Furlotte & Associates since 2005. Outside of his advisory role, he is involved with Furlotte Consulting Group, LLC, which supports the administrative aspects of his financial advisory practice. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, primarily for clients with Ameriprise-managed accounts.

Austin Caryl is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential. He has one year of experience in the financial industry, with prior roles at University Bank and in sports and events management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing various portfolio management and advisory solutions tailored to client objectives.

Terri Mclaughlin is a financial advisor at Cetera with 29 years of industry experience. She holds Series 65 and Series 63 licenses and has been involved with Cetera Financial Specialists LLC since 2001. In addition to her advisory role, she is engaged in tax preparation services through Ark Tax Service, where she serves as a client liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to a range of investment strategies and program options.

Melissa Profitt is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding Series 63 and Series 66 licenses and possessing 27 years of industry experience. She previously worked at Comerica Securities for over three decades and spent several years at Ameriprise before joining Raymond James in 2023. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutional clients, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, utilizing a range of portfolio management strategies supported by proprietary research and model manager options.

Gary Penn is a financial advisor at Cetera with 17 years of industry experience. He holds a Series 66 designation and has worked with firms including Summit Financial Group Inc and Cetera Wealth Services, LLC. He is also involved with Penn Financial LLC, where he performs financial advisory activities. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform and a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Diane Roegner is a financial advisor with Merrill, holding Series 63, Series 65, and Series 66 credentials and bringing 34 years of industry experience. She has worked at Merrill since 2018 and previously spent four years with Morgan Stanley. Diane serves as an arbitrator for the Financial Industry Regulatory Authority (FINRA). Merrill, along with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of individual and institutional clients.

Huimin Lau is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds the Series 66 designation and has been with JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm integrates quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Tiffany Saites is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and 11 years of industry experience. She has been with LPL Financial since 2015 and is also involved with Professional Management Services, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and nonprofit organizations. The firm offers a broad range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

Noreen Mckillop is a financial advisor with Merrill in Clarkston, MI, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has been with Merrill and Bank of America N.A. since 2012. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tonya Dalton is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to support client goals.

Craig Harris is a Wealth Management Advisor at Merrill Lynch Wealth Management, leading a team dedicated to guiding clients through their financial lives using a goals-based planning approach. He focuses on tailoring strategies based on clients' risk tolerance, time frames, and the tax implications impacting their goals. With over 30 years of experience, Craig advises clients on wealth accumulation, preservation, and transfer through customized wealth management strategies. His expertise encompasses portfolio development, liability management, asset preservation, and ensuring a predictable lifetime income stream during retirement. Business clients benefit from his guidance on cash management strategies, employee benefit plans, and financing needs. His team also provides access to specialists in premier banking, insurance and estate planning, and retirement plan development. Craig began his career in financial services in 1992 and joined Merrill Lynch in 1994. He holds a Bachelor's Degree from Miami University in Oxford, Ohio. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Craig and his wife Kimberly have three children. He participates in community volunteering and enjoys golfing, running, spending time with family, and traveling.

John Rowan is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has been with Ameriprise and its affiliate since 2008. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with specific asset thresholds, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-supported advice through a centralized consulting team.

Michael Sanfield is a Wealth Management Advisor with Merrill Lynch Wealth Management, operating a practice in Farmington Hills for over four decades. He works as part of a team that includes his daughter Carly and client associates Catherine Beattie and Leeanna Hempstead. In his current role, he focuses on offering a comprehensive approach to managing wealth, which begins with understanding clients and their families, financial situations, and priorities. He helps clients create customized wealth management strategies that are adaptable to their changing needs and market conditions, providing access to the investment insights of Merrill and the banking convenience of Bank of America. Michael's areas of expertise include services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. His approach emphasizes delivering service and helping investors pursue their long-term goals. He holds a Bachelor's Degree from Michigan State University and has earned the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Michael also engages in community participation, dedicating time to volunteering with local organizations. Outside of work, he enjoys golfing, reading, spending time with his family, and playing tennis.

Brandon Slater is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. His prior experience includes a role at CitiGroup Global Markets INC beginning in 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Sierra Ford is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Sierra worked at Bank of America and JP Morgan Chase. Outside of professional activities, Sierra serves as assistant treasurer and a finance committee member for the Seventh-Day Adventist Church in Ypsilanti, Michigan. 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, and institutional investors.

Derek Ross is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 29 years of industry experience, including prior roles at Cambridge Investment Research Advisors and Genesis Financial Partners. Outside of advisory work, he serves as a part-time shipping director for Fluff & Tuff. 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 and financial planning services supported by both proprietary and third-party research.

William Douglas is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 65 and Series 63 credentials and has worked with various Fidelity entities, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles to multiple registered investment companies and fund-of-funds.

Ronald Breaugh is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leverages his diverse professional background, which includes experience as a CPA and CFO, to provide clients with comprehensive wealth management strategies tailored to their unique financial goals. Ronald emphasizes a personalized approach, working one-on-one with clients to develop flexible strategies that address changing market conditions and help them pursue long-term success. His expertise covers a wide range of client focus areas such as college education planning, divorce transition planning, retirement income, tax minimization, and small business strategies. Ronald holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Master’s Degree from Walsh College and a Bachelor’s Degree from Albion College. Ronald is committed to community involvement, reflecting the Merrill tradition of service, and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys a variety of personal interests including baseball, basketball, biking, football, golfing, running, skiing, and swimming.

Justin Blair is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and eight years of industry experience. He has worked with LPL Financial since 2018 and has been associated with Lake Trust Credit Union since 2016. Outside of his advisory work, he is involved with Lake Trust Financial Life Planning, a DBA related to his LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Carly Pickel is a Wealth Management Advisor at Merrill Lynch Wealth Management and a key member of the Sanfield Wealth Management Team based in Farmington Hills, Michigan. The team, established in 2015, combines decades of experience to provide tailored financial strategies focused on clients' primary goals and priorities. Their approach incorporates aspects such as social responsibility, sustainable, and values-based investing, including Environmental, Social, and Governance (ESG) considerations. With over a decade of personal experience complemented by the team's collective expertise, Carly specializes in helping high-achieving individuals, families, and business owners navigate complex financial decisions. Her areas of focus include college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, and retirement income. She emphasizes education and clarity to empower clients in making informed decisions. Carly holds a Bachelor's Degree in Economics, Psychology, and Sociology with a minor in French from the University of Michigan. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, Carly enjoys cooking, reading, traveling, and engages with her community through volunteering and fundraising activities, particularly with the ORT Michigan Region.