Frank Migliazzo is a Private Wealth Advisor and the Chairman of MKG & Associates, a private wealth management team. He provides strategic direction and investment policy for the team, which consists of 14 wealth management professionals. With a career at Merrill starting in 1979, Frank has experienced various market cycles and economic conditions, allowing him to apply knowledge and judgment in creating investment portfolios responsive to differing market environments. Frank holds a bachelor's degree from Western Michigan University and an MBA from the University of Detroit Mercy. He is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Certified Investment Management Analyst® designation sponsored by the Investments & Wealth Institute™ at the Wharton School. He is also a member of Kingdom Advisors and among a select group of advisors nationally designated as Merrill Institutional Consultants. Beyond his professional work, Frank serves on the boards of the Boys & Girls Club of Southeastern Michigan, Manresa Jesuit Retreat House, the Catholic Foundation of Michigan, and the Pope Francis Center. He resides in Bloomfield Hills, Michigan with his wife Gail and their three children Katie, Joey, and Lauren. His personal interests include golfing, running, and spending time with his family.

Nicole Narkus is a CFP® and ChFC® credentialed financial advisor with 12 years of industry experience. She is currently affiliated with Raymond James Financial Services Advisors, Inc. and leads Nicole Faith Financial Services LLC, focusing on financial planning, investment management, retirement, and insurance planning. Prior to joining Raymond James, she worked at Edward Jones for seven years. 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 provides tailored, non-discretionary planning and supports municipal and public finance work through unique affiliations within the industry.

John Nori is a financial advisor with OSAIC, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He worked at Sagepoint Financial, Inc. for 13 years prior to joining OSAIC in 2023. Outside of his advisory role, he serves on the board of the McLaren Macomb Healthcare Foundation and owns a card trading business operated by his two sons. OSAIC serves a diverse range of clients including individual investors, pension plans, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk assessment methodologies, and automated rebalancing to build diversified portfolios across multiple asset classes.

Frank Bologna is a financial advisor with Ameriprise who holds Series 63 and Series 66 designations and has 34 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages an advisory business through OKL, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning focused on income sources and tax-aware withdrawal strategies. The firm’s approach combines proprietary research and third-party data within a defined investment universe that includes affiliated products.

Jessica Fitzgerald is a financial advisor with Morgan Stanley in Rochester, MI, holding a Series 66 license and having 23 years of industry experience. She has been with Morgan Stanley in various capacities since 2009, including roles at Morgan Stanley Private Bank, N.A. Outside of her advisory work, she serves on the advisory board of MissionSquare Retirement, a nonprofit organization. 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 supported by structured discovery processes and firm-approved tools.

Parul Sharma is a Financial Advisor at Merrill Lynch Wealth Management. She offers comprehensive financial strategies tailored to the unique needs of individuals and families, focusing on investment management, education planning, retirement planning for individuals and business owners, risk mitigation, and holistic wealth strategies designed to build long-term financial security. She holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Parul Sharma earned a Bachelor's degree in Technology from Maharana Pratap Engineering College. Parul is involved in community organizations such as Better Money Habits and Life Remodeled. She speaks English and Hindi. Outside of her professional work, she has personal interests in chess, gardening, and traveling.

Todd Schuster is a financial advisor with LPL Financial based in Utica, MI. He holds Series 63 and Series 65 licenses and has 20 years of industry experience, including over a decade at LPL Financial since 2014. In addition to his advisory role, he operates QOLity Tax, providing tax preparation and related administrative services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios, with both discretionary and non-discretionary management options.

Tyler Brown is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Northwood University, and Hantz Financial Services. 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.

Joseph Danatzko is a financial advisor at Merrill with 26 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 credentials. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Mackenzie White is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. Prior to rejoining Merrill in 2026, White worked at Morgan Stanley and Bank of America, as well as having experience at Oakland Community College. 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 with model-based and discretionary investment strategies.

Kenneth Schenden is a financial advisor at Raymond James & Associates with 32 years of industry experience. He has been with Raymond James & Associates since 2009 and holds Series 63 and Series 65 licenses. Raymond James & Associates, Inc. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Norman Seibold is a financial advisor with LPL Financial based in Pontiac, MI, holding Series 63 and Series 66 licenses and 14 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Cetera and CETERA Advisor Networks LLC for over a decade. Outside of his advisory role, he is also involved in legal services through Willenbrecht Legal Services, PLLC, where he serves as an attorney. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and access to model portfolios and research, including discretionary and non-discretionary management options.

Kathleen Reuter is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2013 and also has a long career at Williams Sonoma beginning in 2006. 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 plans, corporations, and charitable organizations.

Lisa Mcgrath is a financial advisor with LPL Financial, holding a Series 63 designation and 26 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Center For Wealth Planning, Inc. for 12 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by model portfolios, third-party research, and various investment strategies.

Kyle Johnson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Team Fioroni at Merrill in 2015 after graduating from Central Michigan University with a Bachelor of Science degree in Personal Financial Planning. Kyle holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kyle’s expertise spans executive compensation, family wealth management strategies, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, small business strategies, and special needs planning. As a CERTIFIED FINANCIAL PLANNER™, he is dedicated to providing clear, practical financial guidance to help clients build security and confidently navigate complex financial decisions. Prior to joining Merrill, Kyle gained industry experience as an Associate Financial Representative at Northwestern Mutual and co-founded the Future Financial Advisors Association at Central Michigan University. In addition to his professional work, Kyle is actively involved in his community. He is a board member at the Meadowbrook Center for Learning Differences and has served as a presidential nominee for the Rochester Rotary Club. Outside of work, he enjoys biking, skiing, soccer, swimming, watching movies, and spending time with his family.

Nicholas Fioroni is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over a decade of experience working with executives, entrepreneurs, and multigenerational families to simplify complex financial decisions. Nicholas focuses on family wealth management strategies, services for defined benefit plans, managing new wealth, and values-based, socially responsible, and ESG investing. As part of Team Fioroni, he emphasizes a systematic and personal approach to wealth management that addresses all aspects of a client's financial life, from retirement planning and business transitions to legacy strategies and complex lending through Bank of America, N.A. Prior to his career in financial services, Nicholas worked as a project coordinator and quality engineer at Caterpillar. He developed an interest in financial advising during internships at Merrill before joining the firm in 2013. He holds a Bachelor of Science degree in Mechanical Engineering from Kettering University and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Nicholas enjoys adventure sports and outdoor activities such as skydiving, mountain biking, white water rafting, hiking, skiing, and traveling. He also pursues interests in cooking, woodworking, and automotive racing including road and autocross events.

Kevin Ott is a financial advisor with Edward Jones in Macomb, MI, holding the ChFC® designation and Series 66 license, with six years of industry experience. Prior to joining Edward Jones in 2019, he served six years at the US Coast Guard Air Station Detroit. Outside of his advisory role, Ott is involved in coaching amateur swim and water polo teams and owns an RV rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs and affiliated financial products through a large network of advisors and branch offices.

Christopher Ruifrok is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI, holding a Series 66 designation and 20 years of industry experience. He has worked at Raymond James & Associates since 2018, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

James Edelmann is a CFA® charterholder and holds a Series 66 license with 15 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at firms including Securities America Advisors, Halo Securities, and Regal Investment Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Colleen Schueneman is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at National Life Group, Equity Services, Inc., and MML Investors Services LLC. Schueneman serves as an executive board member of the Rags Remembered Foundation. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and managed-account solutions. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios on both discretionary and non-discretionary bases.