Toria Cooper is a financial advisor at Merrill with 36 years of industry experience, including 32 years at Merrill. She holds Series 63 and Series 65 designations and is based in Farmington Hills, MI. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristina Schofer is a financial advisor with Edward Jones in Novi, MI, holding a Series 66 designation and three years of industry experience. Before joining Edward Jones in 2022, she worked six years at Centria Healthcare, LLC. She serves as the chapter secretary for a local business network in Ferndale, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Ian Goins is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity in 2025, his work history includes roles in various industries such as hospitality and waste services. Outside of finance, he has experience working at Moose Ridge Golf Course and XGolf Brighton. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios that incorporate mutual funds, ETFs, and ETPs through systematic methodologies.

Colin Talia is a financial advisor at Raymond James & Associates with six years of industry experience. He previously worked at UBS for seven years and Ernst & Young for five years. He holds the Series 66 designation and is based in Farmington Hills, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Nicholas Scarsella is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and nine years of industry experience. He has been with Cambridge Investment Research since 2017 and is also affiliated with RWS Financial Group. Outside of his advisory role, he is involved in financial advisor recruiting and business consulting through related entities. 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 advisory services through a network of independent advisors, employing multiple custody platforms and a mix of discretionary and non-discretionary investment strategies.

Drew Shapiro is a financial advisor at Mass Mutual Investors Services with 14 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Mass Mutual Investors Services since 2016 and with MassMutual Life Insurance Company since 2015. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of services including wrap programs, money-manager programs, and educational seminars.

Scott Hammond is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Michelle St George is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked within various segments of JPMorgan Chase since 2011, including roles at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. 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 operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making.

Anthony Bove III is a financial advisor at Stifel with 41 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at B. Riley Wealth Management and B. Riley Wealth Advisors. Outside of his advisory work, he serves as an Industry Arbitrator for FINRA. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Matthew Linscott is a Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. He takes a client-centered approach, beginning with understanding each client's unique aspirations and financial situation to develop personalized strategies addressing their short-, mid-, and long-term goals. His expertise includes education planning, family wealth management, retirement planning, portfolio management, tax minimization, and retirement income strategies. Matthew holds a Bachelor's Degree from Grand Valley State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He integrates the resources of Merrill Lynch and Bank of America to provide clients with investment insights and banking services. He also serves within Merrill Lynch Wealth Management: Farmington Hills & Associates. Beyond his professional role, Matthew is involved in community volunteering, reflecting Merrill's tradition of service. His personal interests include football, music, reading, running, singing, spending time with his family, swimming, and watching movies.

Timothy Smith is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been an investment professional since 2003 and utilizes a consultative approach focused on Goals Based Wealth Management. His practice serves business owners, professionals, and private families, offering personalized wealth management strategies as well as consulting on small business retirement plans. Tim began his career with Morgan Stanley Smith Barney and joined Merrill after 12 years, appreciating the firm’s rich history. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Private Wealth Advisor® (CPWA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tim is a member of the Financial Planning Association and the Investments and Wealth Institute™. A graduate of Western Michigan University with a Bachelor’s Degree in Business Administration, majoring in Finance, Tim resides in Northville, Michigan. Outside of work, he enjoys spending time with his wife and son, traveling, golfing, walking his Labradors, fitness training, and participating in community volunteer activities.

Paul Cohen is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various roles since 2015. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Bryce Hemker is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Securities America Advisors, Inc. for 14 years. Outside of his advisory role, he serves as President of MPA, Inc., which is involved in life insurance sales, and is principal at Midwest Pension Actuaries, Inc., focusing on pension plan design, compliance, consulting, and administration. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various tools and third-party platforms to construct and manage portfolios encompassing stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Mark Diederich is a CFP® with 29 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. Prior to joining OSAIC, he spent 13 years at FSC Securities Corporation. Outside of advisory work, he operates an insurance agency with his wife that offers personal, commercial, and health insurance products. OSAIC serves a diverse client base including retail, high-net-worth, pension plans, corporations, and charitable organizations through a large network of financial advisers. The firm provides integrated brokerage and advisory services with access to third-party managers, employing a range of asset allocation tools and investment strategies.

Gilbert Toth is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. Prior to joining Ameriprise in 2022, he worked for Cambridge Investment Research Advisors and Genesis Financial Partners for over two decades. He is also vice president of Hycki Toth Incorporated, where he develops client financial plans and manages portfolio strategy. Ameriprise is an institutional firm serving clients primarily through retirement-income planning services, using a centralized consulting team to deliver non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm offers a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Melissa Burt is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Burt also had a role at Betty James Pretty Things in 2024. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Mircea Corches is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at J.P. Morgan and JPMORGAN Chase Bank since 2018. Prior to that, he held positions at AllState Financial Services and Prudential Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Larry Wood is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on assisting individuals, families, and business owners through personalized financial planning and investment strategies, emphasizing long-term relationships built on trust and transparency. His client services include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and portfolio management. Larry holds a Bachelor's Degree and a Master's Degree, both from Northwood University, and an MBA with a concentration in Finance from an accredited private business school. He has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Prior to his financial career, Larry competed as a collegiate and semi-professional baseball player, an experience that influences his disciplined and committed approach to client service. Outside of his professional work, Larry is involved in community activities such as youth sports coaching and supporting organizations like the Bay Area Family YMCA, Northwood "Go M.A.D.", and the Salvation Army. He also has interests in baseball, basketball, camping, drawing/sketching, football, golfing, ice hockey, spending time with family, traveling, and yoga.

Ryan Winkler is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 15 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2019 before joining Raymond James in 2019. 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 diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs.

Curt Green is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following nine years at J.P. Morgan Securities. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to assist clients in financial decision-making.