Lord Degraffenreid is a financial advisor with LPL Financial in Troy, MI, holding the Series 66 designation and over 27 years of industry experience. He has been with LPL Financial since 2004 and is a partner and co-owner of Legacy Wealth Management Group, LLC. Outside of his advisory work, he is involved in a partnership operating a Famous Dave’s BBQ franchise. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various portfolio management options.

Christopher Scott is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Cetera Advisors LLC since 2013. Outside of his advisory role, Scott is a part owner of Bultynck & Co., a CPA firm providing audit, review, tax, bookkeeping, and consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via a multi-manager platform that includes both affiliated and third-party managers.

Tari Saylor is a financial advisor at Merrill with 37 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 1983. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Sarah Riedel is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. Her early career includes multiple roles at the University of Michigan and positions in financial services and law firms. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Linton Banwell is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 53 years of industry experience. His prior roles include positions at National Planning Corporation and General American, and he has been involved with North American Pension Services LLC since 1970. Outside of advising, he operates North American Pension Services as a sole proprietor administering retirement plans and serves as a licensed real estate agent for his own purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual clients, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a broad range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Krut is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. He holds a Series 66 designation and has spent most of his career at Wells Fargo-affiliated firms. Outside of his advisory role, he serves as a co-trustee of a family trust and works as a financial advisor at Princeton Harriman Insurance Solutions, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services and leveraging proprietary research and tools to develop tailored recommendations.

Corey Townsend Jr. is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Prior to joining Merrill, he held roles at Bank of America, Consumer Advancement, and Rocket Mortgage. Outside of his advisory work, he serves as a program coordinator for Consumer Advancement, an assisted living facility, where he manages financial billing and supply inventory. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Conor Walters is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Hantz Financial Services and work related to golf club operations and university employment. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal research and third-party resources.

Andrew Dafoe is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Joe's Quality Construction. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and analytic models. The firm manages approximately $2.74 trillion in client assets and provides services that extend from direct individual plans to corporate financial planning agreements.

Zachary Hueter is a financial advisor at Stifel with a Series 66 designation and three years of industry experience. His prior work includes roles at Nolan Transportation Group, Sportsman's Warehouse, and multiple academic positions at Davenport University, Michigan State University, and Northwood University. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Patrick McGrath is a CFP®-certified financial advisor with 28 years of industry experience. He has been with LPL Financial since 2009 and previously worked at the Center For Wealth Planning, Inc. for 12 years. He operates a financial services DBA, Diversified Financial Services, Inc., in Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Daniel Totonchi is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has built his career since 1997. He provides comprehensive wealth and portfolio management services tailored to high-net-worth individuals, corporations, and endowments. Daniel develops customized strategies that reflect clients' needs, objectives, and risk tolerances, aiming to help them achieve their long-term financial goals. He is a CERTIFIED FINANCIAL PLANNER® certificant and holds additional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). As a qualified Portfolio Manager, he manages personalized and defined strategies on a discretionary basis. Daniel's expertise encompasses a broad range of client focus areas such as college education planning, family wealth management, services for endowments and foundations, and both defined benefit and defined contribution plan consulting. He is recognized for a comprehensive outcome-based wealth management approach that addresses clients’ personal priorities across health, family, home, work, giving, leisure, and finances. Daniel has been named to the Forbes “Best-in-State Wealth Advisors” list consistently from 2018 through 2025 and to the Forbes “Best-in-State Wealth Management Teams” list as part of the Tyranski, Totonchi, and Girdler Group from 2023 to 2025. Daniel holds a bachelor's degree from Central Michigan University. Outside of work, he resides in Bloomfield Hills, Michigan, with his wife Amy and their sons, Brian and Jack. He enjoys spending time with family and friends and engages in activities such as golfing, boating, snowmobiling, hunting, and shooting sporting clays. He volunteers as a board member for the Great Lakes Boat Building School and the Les Cheneaux Islands Association.

Minting Huang is a Financial Advisor specializing in comprehensive wealth management solutions tailored to individual client needs. Working within Merrill Lynch Wealth Management, Minting supports clients in areas such as family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, and tax minimization. Minting assists clients in building personal financial strategies that reflect their values and long-term goals, planning for retirement or exit strategies, and introducing unique financial opportunities and strategies. Minting holds several professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Minting earned a Bachelor's Degree from Beijing Institute of Technology and a Master of Business Administration (MBA) from the California State University System. Proficient in English, Chinese, and Mandarin, Minting is also involved with the Better Money Habits® community program.

Cortez Robinson-Starks is a Financial Consultant at Fidelity Investments, a role he has held since 2014. In this capacity, he partners with individuals, families, and business owners to develop comprehensive wealth plans aimed at providing financial peace of mind. He focuses on creating strategies that are personal, comfortable, and understandable, helping clients build confidence in their financial decisions. Prior to joining Fidelity Investments, Cortez worked as a Relationship Banker at J.P. Morgan Securities LLC from 2010 to 2014. His professional experience spans over a decade in the financial services industry, during which he has supported clients in selecting wealth strategies tailored to their present and future needs.

Michael Bender is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. He began his career at Fidelity in 2017 and has progressed through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, Michael worked as a Relationship Banker at FirstMerit Bank from 2015 to 2016. Michael's approach to financial planning emphasizes trust and integrity, collaborating with clients to assess their unique circumstances and needs in pursuit of their financial goals. His experience spans financial consulting and investment advising within Fidelity Investments. Outside of his professional work, Michael has interests in fitness, football, spending time at the lake, caring for pets, and traveling.

Thaddeus Crass is a financial advisor at Merrill with Series 63 and Series 65 licenses and 31 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2015 to 2024. 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, pension plans, corporations, and charitable organizations.

J Fioroni is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over four decades of experience in investment and wealth management advisory services. Since joining Merrill in 1982, he has focused on developing client relationships tailored to their individual needs and aspirations. Working as part of Team Fioroni, which collectively holds over 60 years of industry experience, he assists clients ranging from growing families to retirees in defining and pursuing their financial goals through comprehensive wealth management planning. Fioroni holds the Chartered Retirement Planning Counselor (CRPC™) and Personal Investment Advisor (PIA) designations. He earned dual Bachelor of Arts degrees from Michigan State University. Beyond his advisory role, he has been involved in leadership development, having taught Dale Carnegie Leadership Courses for 15 years across Michigan. He is an officer of the Rotary Club of Flint, Michigan, and actively participates in the community through this organization. Fioroni is also an avid baseball player and fan, competing in Men’s Senior Baseball tournaments locally and nationally. He lives in Michigan with his wife, Lynette, and their three children.

Nicole Gatto is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, with prior experience at PNC Bank and PNC Investments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jill Syracuse is a ChFC® credentialed financial advisor with 23 years of industry experience, currently serving clients at Ameriprise Financial Services, LLC since 2021. Prior to this, she worked for Royal Alliance for 10 years. Outside of her advisory role, she is involved in tax preparation through Blumark Tax Advisors, LLC, and participates in a wellness shopping club called Melaleuca. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Peter Molesa is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 21 years of industry experience. He previously worked at Woodbury Financial Services INC and SII Investments. Outside of his advisory role, he operates a business selling bonsai and related products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs various portfolio construction tools and supports multiple advisory platforms to accommodate diverse client needs.