Clifton Powell Jr. is a CFP®-certified financial advisor with 31 years of industry experience, currently serving clients at LPL Financial since 2003. He participates in the Marcum LLP CPA Affiliate Program as of mid-2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser that supports a diverse client base, including individuals and institutions, with a wide range of advisory and brokerage services.

Matthew Sebastian is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to his financial services career, he was employed at Novo Nordisk for nine years. Outside of finance, he is a partner in Sebastian Tree Farm, an agricultural business in Casco, Michigan. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and scenarios. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both standard wealth management and specialized investment strategies.

Lauren Wenzel Okwara is a financial advisor at Morgan Stanley with four years of industry experience. She holds the Series 66 designation and has worked with Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank, N.A. Outside of finance, she has experience with Shift Digital and has an academic background from the University of Notre Dame. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies.

Philip Ruggeri is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2016. Additionally, he has served at First State Bank since 1985, where he is the Chief Financial Officer. Ruggeri also works as a college instructor outside of his investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of investment strategies, financial planning, and institutional platforms.

Sheryl Hale is a financial advisor with Morgan Stanley in Troy, Michigan, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney 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 wide range of advisory programs, including tailored financial planning and access to various investment products and strategies.

Victoria Yates is a financial advisor with Equitable Advisors in Troy, MI. She holds a Series 66 designation and has been with Equitable Advisors since 2026. Prior to joining the firm, she worked at Daniel Snow Tax Company and has been involved with Saylor's Front Street Pizzeria since 2022. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party sponsors.

Anthony Benvenuti serves as a Resident Director with Merrill Lynch Wealth Management. In his role, he works with clients managing complex financial portfolios, including those with significant wealth derived from business ownership, executive compensation, and concentrated stock positions. Benvenuti and his team offer comprehensive wealth management services that integrate investment management with banking and lending resources from Merrill and Bank of America. Since 2008, Benvenuti has helped individuals, families, business owners, and executives navigate financial decisions related to retirement planning, business succession, liquidity strategies, and wealth transfer objectives. His areas of focus include affluent individuals and families, corporate executives, business owners, and entrepreneurs. Benvenuti holds a Bachelor's Degree from Central Michigan University and professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional responsibilities, he participates in community activities including volunteering with the Susan G Komen Foundation. He also enjoys cooking, gardening, golfing, ice hockey, racquetball, reading, soccer, traveling, and spending time with his family.

Arthur Onyx is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been with LPL Financial since 2009 and has operated Arthur F. Onyx Accounting, specializing in tax preparation and bookkeeping, since 1980. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kristina Graham is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, she worked at Paycom for five years. Outside of her advisory role, she owns and manages a vacation rental property in Johannesburg, Michigan. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Justin Cattaneo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at Independent Bank, Cetera, The Huntington Investment Company, Bank of America, Merrill Lynch, and PNC Investments. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses fact-finding, risk profiling, and modeling tools to tailor non-discretionary planning and consulting to client goals, supporting implementation through various advisory programs.

Thomas Janicki is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. Prior to joining LPL Financial in 2026, he worked at Lexington Financial and Commonwealth Financial Network for 25 years. He is also involved in managing Janicki Tree Farm, an enterprise he has owned since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management programs, utilizing model portfolios, third-party subadvisors, and customized strategies.

Stephen Hilles is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has previously worked at First Command Financial Services and First Command Advisory Services. Outside of his advisory role, Hilles serves as the treasurer for Faith Baptist Church, where he oversees expenditures and provides monthly financial reports on a volunteer basis. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of wealth advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting.

Donald Denstaedt is a CFP® with 19 years of industry experience currently with OSAIC. He has previously worked at Woodbury Financial Services Inc and Sii Investments. Denstaedt is a co-founder of Platinum Wealth Management Group, Inc., where he provides insurance and fixed annuity solutions, and also serves as Vice President of Strategic Partnerships at Advanced Planning Education Group. He teaches Investment Planning at Oakland University’s Personal Financial Planning Program. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through multiple programs that utilize model-based asset allocation and portfolio optimization, supporting a range of investment strategies and custodial arrangements.

Renee Marone is a financial advisor at J.P. Morgan Securities with 35 years of industry experience. She holds Series 63 and Series 65 designations and has worked at J.P. Morgan Securities since 2013, following a three-year tenure at PNC Wealth Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Blake Griffith is a financial advisor with Raymond James & Associates, holding a Series 66 designation and beginning his career in 2025. Prior to joining Raymond James, he worked at JP Morgan and has an academic background from Michigan State University. He also has experience working at Great Oaks Country Club. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research.

Issac Power is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior work includes roles at New York Life and NYLIFE Securities, as well as experience in education at high schools and Baylor University. In addition to advisory work, he is an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Joseph Banaszewski is a financial advisor with LPL Financial in Grosse Pointe Woods, MI, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.) since 2000. Outside of his advisory role, he serves as an assistant baseball coach at Grosse Pointe North High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Frank Dilorenzo is a financial advisor with Ameriprise in Shelby Township, MI, holding a Series 66 credential and 14 years of industry experience. He has been with Ameriprise and its related entities since 2011. Outside of his advisory role, he is co-owner of two real estate businesses that manage properties for capital gains and development opportunities. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Patrick Fleming is a financial advisor at Ameriprise in Sterling Heights, MI, holding Series 63, 65, and 66 licenses with 14 years of industry experience. His prior roles include positions at United Shore, Cco Investment Services, and Charter One Bank. He has been with Ameriprise since 2019. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, 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 in a centralized consulting approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Robert Palma Jr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Regal Investment Advisors, Lincoln Investment, and Merrill. He serves as treasurer for the Troy Foundation of Educational Excellence. Cambridge Investment Research Advisors serves a broad client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and custodians, including proprietary model strategies under the Founders Gate Capital brand.