Jonathon Krempa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Sonya Maniaci is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2010. 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 a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jason Trzcinski is a Series 66-licensed financial advisor with 27 years of industry experience, currently practicing at LPL Financial since 2014. He serves on the board of Lake Superior State University, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Tracy Nafe is a Series 66-licensed financial advisor with Osaic Wealth Inc, based in Brighton, Michigan, and has one year of industry experience. Prior to her current role, she has been a licensed residential real estate agent since 1998, working with multiple brokerages and currently affiliated with Remax Platinum Real Estate. She maintains her real estate license but now limits her involvement to referring most clients and working part-time outside of trading hours. Osaic Wealth Inc serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes various asset-allocation tools and supports discretionary and non-discretionary portfolio management, incorporating a diverse set of investment products and third-party programs.

Lee Napier is a CFP® and holds a Series 66 license, with 13 years of experience in the financial industry. He has worked with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard.

Spencer Warn is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Financial Services from 2016 to 2019. Outside of his advisory role, he volunteers as president of a local business networking group. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary account options.

Gregory Dadian is a financial advisor at Morgan Stanley with 26 years of industry experience. He has held positions at Morgan Stanley since 2010, including eight years with Morgan Stanley Private Bank, N.A. He holds the Series 63 and Series 66 securities registrations. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Joseph Ciaramitaro is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Raymond James & Associates since 2003. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a variety of portfolio management styles and affiliated research.

Chad Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers 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.

Timothy Fliam is a CFP®-certified financial advisor with 11 years of industry experience, currently with Edward Jones since 2017. He previously worked at CETERA Advisor Networks LLC and serves in the United States Navy Reserves as a Hospital Corpsman. Outside of his advisory role, he officiates high school football during the fall season. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors, and offers a range of advisory programs with over $1 trillion in assets under management.

David Mooradian is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through dedicated Financial Advisors and specialized strategies.

Jennifer Lyons is a financial advisor with J.P. Morgan Securities in Farmington Hills, MI. She holds a Series 66 designation and has four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2021, she worked for Independent Health from 2007 to 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jerome Repovz is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously spent nine years at Summit Financial Group Inc. Outside of his advisory role, he is president of Sound Financial Services, Inc., focusing on life insurance sales and quotes. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform.

Lana Albawwab is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 66 and Series 63 credentials and has worked at JPMorgan Chase Bank and DoorDash. 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.

Adrenee Asadoorian is a Series 66-licensed financial advisor with eight years of industry experience. She has been with Merrill since 2014 and previously worked at Bank of America, N.A. She is based in Farmington Hills, MI. 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 both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutional entities.

Zaed Shamoon is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at firms including Bank of America, Northwestern Mutual, and several mortgage and banking institutions. 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.

Derek Leek is a CFP® with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to joining Edward Jones, he worked at Dish Network for three years and attended Michigan State University. Outside of his advisory role, he has worked as a grocery delivery shopper. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Dianne George is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 designations and having 40 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Mya Kilgore is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and over three years of experience at Merrill. Her prior experience includes roles at FCA Fiat Chrysler, Trinity Health, Credit Acceptance, and Staffing Health Paycor. She is also affiliated with Strayer University since 2020. 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 a diverse client base including individuals, high-net-worth clients, and charitable organizations.

Elizabeth Vanhecke is a Certified Financial Planner (CFP®) with 25 years of industry experience. She has been with Morgan Stanley since 2009 in their Farmington Hills, MI office. Outside of her advisory role, she serves as a board member for Notre Dame Preparatory School in Pontiac, Michigan. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes that include firm‑approved tools and modeling techniques.