Kurt Ebel is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with Cetera and its affiliate since 2019 and previously spent 12 years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Charles Pass is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and nine years of industry experience. Before joining LPL Financial in 2018, he worked at NYLIFE Securities LLC and New York Life Insurance Company from 2016 to 2018, and had a brief tenure in construction with Erie Construction in 2016. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Richard Smith is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management. He leads a Forbes "Best-in-State Wealth Management Team," specializing in comprehensive financial planning, tax mitigation, strategic portfolio management, and personalized guidance for individuals, families, and businesses. Richard also serves as a Retirement Benefits Consultant, assisting business owners and companies in designing and managing 401(k) plans tailored to organizational objectives. Richard's expertise encompasses college education planning, corporate benefits, executive compensation, retirement income, tax minimization, and small business strategies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degrees from Western Michigan University. Residing in Grosse Pointe Farms, Richard is actively involved in his community. He coaches varsity baseball at Grosse Pointe South High School, serves on the board of the Grosse Pointe Farms Parks & Harbor Committee, and is the Commodore of the Grosse Pointe Farms Boat Club. Additionally, he participates in organizations such as the Motor City Blight Busters and St. Jude Children's Research Hospital. In his spare time, he enjoys golfing, playing guitar, fishing, and traveling with his family.

Meggison Mitchell is a financial advisor at Morgan Stanley with a Series 66 credential and less than one year of industry experience. Prior to joining Morgan Stanley, Mitchell held roles at Bank of America, Merrill, and Hantz Financial Services, and has experience in various sectors including hospitality with Luxe Bar & Grill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, focusing on structured financial planning supported by firm-approved tools and models.

Todd Cousino is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked previously at Ameriprise and National Planning Corporation. Outside of his advisory role, he is involved in real estate through property rental and flipping ventures. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services. The firm provides discretionary and non-discretionary management, model portfolios, and utilizes research from multiple sources, supporting diversified and alternative investment strategies.

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.

Ellaina Dibenedetto is a Wealth Management Advisor at Merrill Lynch Wealth Management. She is part of the Carmody-Turner Group, which provides customized wealth management and planning strategies to select clients, families, and organizations across the United States. The team focuses on connecting all aspects of clients' financial lives to help prioritize and pursue the goals that matter most to them, offering personalized service combined with the investment insights of Merrill and banking convenience of Bank of America. Clients typically served include physicians, serial entrepreneurs, college coaches, small business owners, executives, and other high-net-worth individuals and their families. The group works with clients face-to-face or virtually, depending on geographical and time constraints, to develop individualized plans aimed at achieving clients' financial goals with an emphasis on balancing risk and long-term success. Ellaina holds a bachelor's degree and a Master of Business Administration from Western Illinois University. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Sports & Entertainment Accredited Wealth Management Advisor™ designation. She actively contributes to the community through involvement with the Western Illinois University Foundation Board, Father's and Families Support Center, and the United Way Charmaine Chapman Society, and coaches youth sports within the Parkway West and Parkway-Rockwood school districts.

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.

William Burmeister is a financial advisor with Raymond James & Associates in Saline, MI, holding the ChFC® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including seven years at TIAA-CREF prior to joining Raymond James in 2021. He serves as a board member of his local homeowner's association. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory 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.

Donald Nadeau is a financial advisor with Raymond James & Associates in Northville, MI, holding Series 63 and Series 65 designations and possessing 42 years of industry experience. He has been with Raymond James & Associates since 1999 and also maintains a long-term association with Roney & Co. Outside of his advisory work, he is a partner in Brothers 4 LLC. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers non-discretionary advisory services supported by in-depth research and planning tools, alongside institutional consulting and public finance capabilities.

Ngufor Hilari is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Bank of America and Merrill for four years. Outside of his advisory role, he is an officer of Hailey Cameron LLC, a real estate business based in West Bloomfield, Michigan. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm employs a structured planning process supported by proprietary tools and emphasizes advisory roles without providing individual security recommendations as part of standalone planning.

Eric Eggen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank in various roles since 2011, with brief prior experience at Citizens Bank and Citizens Securities. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Matthew Vermillion is a financial advisor with LPL Financial who holds a Series 66 designation and has nine years of industry experience. Prior to joining LPL Financial in 2025, he worked at DFCU Financial and CUSO Financial Services, among other firms. His background also includes experience outside finance, such as roles at Owl's Nest Resort & Golf Club and Gooseworks. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with support from proprietary research and third-party subadvisors.

Cherene Smith is a financial advisor with Raymond James & Associates in Southfield, MI, holding Series 63 and Series 65 licenses and 12 years of industry experience. She has worked at Raymond James & Associates since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting for a diverse client base, including individuals, institutions, and government entities, with a notable focus on municipal and public finance advisory services.

Anthony Agosta is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James since 2014. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and municipal finance services, combining investment advisory with public financing and investment banking capabilities.

Matthew Cornett is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Northwestern Mutual Investment Services LLC, Dominic Mirabella, and Brad Seitzinger. Cornett is based in Farmington Hills, MI. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program. The firm offers a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

Maria Coates is a Series 66-licensed financial advisor with Merrill, based in Farmington Hills, MI. She has 25 years of industry experience and has worked at Merrill since 2010. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s broader platform, providing access to a wide set of products and services.

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.