Susan Burns is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2015. She serves as a trustee in a fiduciary capacity for a non-investment related entity. 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.

Ralph Koss is a financial advisor with Raymond James & Associates in Clinton Township, MI, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James for 27 years and is also the owner of Pilot Financial Group, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Jeff Biernat is an Investment Management Consultant II at Fidelity Investments, a role he has held since 2023. He has extensive experience in the financial services industry, having worked as a financial advisor at Allstate Financial Services, LLC from 2005 to 2023, Huntington Investment Company from 1998 to 2005, and Morgan Stanley in 1998. Throughout his career, Jeff has focused on helping clients and their families develop comprehensive financial plans aimed at achieving long-term peace of mind. He collaborates with clients to understand their goals and aspirations, co-creating financial strategies that utilize Fidelity's resources. Outside of his professional work, Jeff enjoys boating, hiking, kayaking, running, and traveling.

Timothy Moran is a financial advisor with Wells Fargo Advisors in Rochester, MI, holding Series 63 and Series 65 licenses and with 36 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009 and owns Moran and Company Investment Consulting Group. He also serves as a trustee and holds power of attorney responsibilities for family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop customized recommendations.

Kristin Braniff is a financial advisor at Raymond James Financial with six years of industry experience. She holds a Series 66 designation and has worked at various Raymond James entities since 2015. Outside of her advisory role, she is associated with Probst WM, LLC, a non-investment-related support company in Auburn Hills, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through advisory programs and partnerships, with a notable affiliation to municipal advisory services.

Mark Kaiser is a Series 66 licensed financial advisor with Ameriprise, based in Rochester, Michigan, and has 20 years of industry experience. He has been with Ameriprise Financial Services since 2016. Outside of his advisory role, Kaiser manages Mee Sun Management, LLC, a business focused on general management and employee-related expenses, and holds a consulting position with Reider Holdings, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Christopher Stewart is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Edmond Lynch is a CFP® professional with 33 years of experience in the financial industry. He has been with Edward Jones since 1996. Outside of his advisory role, he serves on the board of Bridge Innovations LLC, a technology app developer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kaled Khaznehkatbi is a financial advisor at OSAIC with 16 years of industry experience. He has held roles at OSAIC since 2018 and previously worked at Signator Investors Inc for nine years. Outside of advising, he serves as an ambassador for the Birmingham Bloomfield Chamber of Commerce and performs as a drummer in a band. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios that include various asset classes on both discretionary and non-discretionary bases.

Anthony Tuzzolino is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.

Amanda Henderson is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Outside of her advisory role, she owns and operates Henderson Homestead, a retail and online store based in Saint Clair, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by advanced modeling tools.

John Firek is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 13 years of industry experience. He has been with Raymond James & Associates since 2016. 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, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Matthew Spickler is a Senior Financial Advisor and partner with The Spickler Wealth Management Group at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2017, he has worked with families, individuals, and business owners to provide a holistic approach to managing wealth, focusing on understanding clients' needs and goals. His process involves organizing all aspects of clients' financial lives to develop long-term plans aimed at helping them achieve their retirement and legacy objectives. Matt's areas of expertise include divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Michigan State University. In addition to his financial advisory role, Matthew is a member of the Detroit Rotary and has received the Youth Citizen Service Award. His personal interests include adventure sports, billiards, camping, chess, music, reading, spending time with family, traveling, writing, and yoga.

James Uh is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 20 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Cambridge Investment Research Advisors and National Planning Corporation. He is also a presenter for White Glove Workshops, conducting investment-related seminars. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research and model portfolios.

Sarah Mccarthy is a financial advisor with Stifel, holding a Series 66 designation and seven years of industry experience. She has worked at Stifel Nicolaus since 2018 and previously held roles at Victoria's Secret and Michigan State University. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Patrick Moran is a Wealth Management Advisor at AMDG Wealth Management, affiliated with Merrill Lynch Wealth Management. Since 2014, he has assisted the firm in delivering advice, guidance, and services to ultra high net worth clients. His professional focus includes wealth planning, analysis, and asset allocation. Patrick holds the title of Senior Portfolio Manager, which involves managing personalized and defined investment strategies, potentially incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies on a discretionary basis. Patrick's expertise emphasizes serving highly successful families in preserving, deploying, and diversifying significant wealth. His work supports clients' lifestyle needs, cash-flow requirements, and wealth preservation goals, with services that promote lasting legacies through positive transmission of values and wealth. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Patrick grew up in Michigan and attained a Bachelor of Science degree in Business from Le Moyne College. He resides in Bloomfield Hills, MI, with his wife Kelly and their children, Hunter and Madison. Outside of work, Patrick enjoys golfing, ice hockey, spending time with his family, and traveling.

Kyle Lambert is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked with both LPL Financial Services, LLC and Financial Services Group of Michigan, Inc. He also serves as a notary public. 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 provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Clifton Powell Jr. is a CFP®-credentialed financial advisor with LPL Financial in Rochester Hills, MI, and has 30 years of industry experience. He has been with LPL Financial since 2003. Powell is also affiliated with Marcum LLP's CPA Affiliate Program as of 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers comprehensive financial planning and advisory services, including discretionary and non-discretionary management, supported by research, model portfolios, and various program offerings.

Matthew Sebastian is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to his financial services career, he was employed at Novo Nordisk for nine years. Outside of finance, he is a partner in Sebastian Tree Farm, an agricultural business in Casco, Michigan. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and scenarios. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both standard wealth management and specialized investment strategies.

Michael Beckner is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Scottrade for 16 years before joining Ameriprise Financial Services in 2018. Outside of his advisory role, Beckner serves as a church treasurer, assisting with financial responsibilities. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.