Ricardo Armijo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Raymond James & Associates since 2019 and previously spent 10 years at UBS Financial Services Inc. Outside of his advisory role, Armijo is the owner of BRN Development, a business unrelated to investment activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering a range of financial planning, investment consulting, and municipal advisory services.

Nancy Smith is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 11 years before joining Raymond James & Associates in 2021. 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 and pension plans, charitable organizations, and municipal entities, offering financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Thomas Schulz is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with Linsco/Private Ledger Corp. since 1999. Schulz is also an independent insurance agent selling term life and long-term care insurance with Penn Mutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, and institutions through a large network of representatives offering financial planning, portfolio programs, and institutional platforms.

Jaclyn Borrow is a financial advisor at LPL Enterprise with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities LLC, LPL Financial, and INVEST Financial Corp. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s approach is model-driven, offering financial planning, access to third-party asset managers, and participation in wrap programs, while also providing affiliated insurance and trust services.

Stephen Killop is a financial advisor with Morgan Stanley in Bloomfield Hills, MI. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and the AAA Dave Brown Insurance Agency. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Michael Thompson is a financial advisor with LPL Enterprise in Troy, MI, holding Series 66 and Series 63 credentials and 23 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, State Farm Insurance, and Citizens Securities, Inc. He serves on the board of the Detroit Recovery Project and is active as a speaker for Operation HOPE. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach with access to third-party asset managers and emphasizes financial planning, insurance products, and affiliated trust and lending services.

Mary Lester is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and six years of industry experience. She has been affiliated with both Merrill and Bank of America since 2012. Outside of advisory work, she is involved with Silver Tree Creations LLC as a digital template designer and assists with social media promotion and account balancing for the business. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and various institutions.

James Pollard is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A., Merrill, and Fifth Third Securities. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and organizations.

Julie Leenknegt is a financial advisor with Ameriprise in Waterford, MI, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its related entities since 2003. Outside of her advisory role, she is the president and owner of Dorbz World, LLC, a business involved in voice-over work, modeling, and bookkeeping. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, customized Recommendation Reports through a centralized consulting team.

Thomas Greer is a financial advisor with Cetera in Troy, MI, holding a Series 66 credential and possessing 20 years of industry experience. His prior experience includes a decade at Ameriprise Financial Services and more recent roles at Victory Wealth Group and Greer Financial Group LLC. Outside of his advisory work, he serves as an elder at Heritage Church of Macomb and assists with direct sales for a kitchen products business. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering a range of portfolio management, financial planning, and consulting services. The firm supports discretionary and non-discretionary management options with access to both affiliated and third-party managers across various program structures.

Daniel Wisniewski Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2001. 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 broad client base that includes individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Jason Stachura is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of investment experience. He specializes in personal retirement planning, portfolio management services, tax minimization, and retirement income. Jason and his team follow a planning-first approach, using a goals-based wealth management process to provide clients with a clear roadmap from their current financial situation to their desired future outcomes. Jason holds a Bachelor's Degree from the University of Detroit Mercy and a Master's Degree from Walsh College. He is a Certified Financial Planner (CFP) and a Personal Investment Advisor (PIA). His professional principles emphasize honesty, integrity, transparency, and a strict investment philosophy designed to limit conflicts of interest. Outside of his professional work, Jason enjoys boxing, ice hockey, running, soccer, and spending time with his family.

Jason Vogel is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and 15 years of industry experience. He previously worked at Edward Jones for six years before joining Raymond James in 2022. 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—and offers a range of financial planning and investment consulting services with a variety of portfolio management options.

David Kelly is a financial advisor with Raymond James & Associates in Grand Blanc, MI, holding a Series 66 credential and 18 years of industry experience. He has been with Raymond James & Associates since 2011. Kelly serves on the finance and investment committees of two nonprofit organizations, Catholic Charities of Shiawassee and Genesee Counties and Friends of the Children—Detroit chapter. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Henry Gembis is a CFP® and holds a Series 66 license, with nine years of experience in the financial industry. He is currently employed at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2024. Prior to this, he worked at Bank of America and Merrill Lynch from 2017 to 2024. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering financial planning and estate planning services supported by structured planning tools and modeling techniques.

Patrick Maly is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Clayton Sebastian is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Jackson National Life Insurance Company and United Wholesale Mortgage, as well as involvement with Camp Ticonderoga. Equitable Advisors serves a diverse client base that includes individuals, pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary tools and third-party managers.

Joseph Longo is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has been with LPL Financial since 2000. Outside of his advisory role, he is involved in marketing fixed insurance and annuity products and provides elder care planning through his independent insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning and access to model portfolios, combining a broad advisory platform with extensive non-advisory financial activities.

Peter Strek is a financial advisor with RBC Capital Markets in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile, utilizing both in-house and third-party investment managers.

Giuseppe Leone is a financial advisor with Fisher Investments, holding a Series 66 designation and 14 years of industry experience. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Fisher Investments serves a global range of institutional and private clients, including pension plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment approach combining quantitative and qualitative research to construct globally diversified portfolios and employs various risk management and tax-aware strategies.