Pedro Delgado is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones in Southfield, MI. He has been with Edward Jones since 2015, with a brief period of unemployment in 2017. Outside of his advisory role, Delgado owns and operates Skyle Deals LLC, an e-commerce business focused on purchasing and reselling merchandise from local stores. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets and provides a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cynthia Balkwell is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. She previously worked at Metlife Securities and Massachusetts Mutual Life Insurance Company. Outside of her advisory role, she has served as an elections inspector and precinct chairperson in Davisburg, Michigan since 2003. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools and a range of investment and planning programs.

Paul Brent is a financial advisor with Morgan Stanley in Grosse Pointe Farms, MI, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Cherene Smith is a financial advisor with Raymond James & Associates in Southfield, MI, holding Series 65 and Series 63 designations and having 12 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and various organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Russell Larvadain II is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also associated with JPMORGAN Chase Bank, N.A. since 2007. Larvadain owns Lynbrook Fielding, LLC, a non-public entity involved in rental property management. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services, offering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Jackie Piper Fylak is a financial advisor at Charles Schwab with three years of industry experience. She has been with Charles Schwab since 2022 and previously worked at Hope Network for seven years. Outside of her advisory role, she took a year to focus on extended travel. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and a distinctive operational model.

Darrec Muraca is a financial advisor with Mass Mutual Investors Services in Southfield, MI. He holds the Series 66 designation and has three years of industry experience. His prior work includes positions at Continental Services and International Specialty Tube. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary authority.

Michael Johnson is a financial advisor with Equitable Advisors in Southfield, MI, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999 and was previously associated with Axa Advisors for over two decades. Outside of his advisory role, he serves as Treasurer of the Kappa Alpha Psi Southfield Alumni Foundation and works as a gate agent at DGS Metro Airport. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model, utilizing various advisory programs and emphasizing individualized financial planning.

Stephen Adams is a financial advisor with Primerica Advisors in Southfield, MI, holding Series 65 and Series 63 credentials and four years of industry experience. His prior roles include positions at Macy's, DoorDash, and Target. In addition to his advisory work, he is an author of a non-investment related book titled *I Searched With Purpose*. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Bassem Moez is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Company, and MetLife Securities Inc. Moez serves as board secretary for Oakland International Academy, a volunteer role overseeing school operations in underserved communities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from both internal and third-party sources.

Lester Houge Jr. is a financial advisor with Equitable Advisors in Southfield, MI, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes positions at Oracle, Lyft, Axa Advisors, and currently Amazon. Outside of his advisory role, he owns an Amazon delivery service. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party managers. The firm employs a hybrid referral and implementation model that integrates advisory and brokerage channels to implement client recommendations.

Michael Collins is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. Since 2006, he has provided customized wealth management advice, focusing on understanding his clients’ individual priorities and delivering strategies that adapt to changing market conditions. His practice areas include college and education planning, family wealth management, legacy planning, liquidity management, retirement income, portfolio management, individual and corporate investment strategy, and tax minimization. He holds a Bachelor's Degree from the Eli Broad College of Business at Michigan State University. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael resides in the Grosse Pointe area with his wife and three sons. He participates in community volunteer work consistent with Merrill’s tradition of community involvement. Outside of work, he enjoys golfing and spending time with his family.

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.

Derek Salliotte is a financial advisor at Merrill with 16 years of experience, holding a Series 66 designation. He has worked at Merrill since 2010 and Bank of America, N.A. since 2014. Outside of his advisory role, he serves as a finance committee member for the Grosse Ile Golf and Country Club. Merrill, along 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 strategies for individuals, high-net-worth clients, and institutions.

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.

Anthony Kallabat serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He leverages over 15 years of experience in financial advising, having worked with both institutional and personal clients across banks and brokerage houses. His approach involves understanding clients' individual circumstances and goals to develop personalized financial strategies. Anthony holds the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute at the Wharton School of Business and has the Personal Investment Advisor (PIA) designation. He earned his Bachelor's Degree from Davenport University. Anthony specializes in areas including college education planning, divorce transition planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He is recognized for combining his analytical skills with a client-focused approach to build customized portfolios tailored to individual needs and risk tolerances. Residing in Grosse Pointe Woods with his wife Vicky and their three children, Ben, Sophia, and Cole, Anthony is active in his community. He serves as a board member of the St. John Hospital Foundation and chairs the St. John Guild Golf Outing. His personal interests include cooking, golfing, ice hockey, music, spending time with family, and watching movies.

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.

Mark Jubas is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2017. In addition to his advisory role, he is a licensed CPA who has been providing tax preparation services for corporate, partnership, and personal income tax returns since 1996. He also serves as a Principal Financial Analyst at DTE Energy, a position he has held since 1997. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.