Mark Jubas is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2017. In addition to his advisory role, he is a licensed CPA who has been providing tax preparation services for corporate, partnership, and personal income tax returns since 1996. He also serves as a Principal Financial Analyst at DTE Energy, a position he has held since 1997. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Daniel Wohl is a Wealth Management Advisor at Merrill Lynch Wealth Management and a co-founder of the Jennings Wohl Group within the Global Wealth and Investment Management group. He specializes in areas such as personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and managing new wealth. His professional credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA) designations. Before joining Merrill, Daniel accumulated over ten years of experience at JP Morgan's Private Bank, where he advanced to the role of Executive Director responsible for the investment practice for the State of Michigan, overseeing ten investment professionals. He began his financial services career in 2006. Daniel holds a bachelor's degree from the University of Michigan and was a member of the university's basketball team, earning Academic All-Big Ten honors and the Bodnar Academic Achievement award. He serves on the boards of the Jewish Federation of Ann Arbor, the Michigan Jewish Sports Foundation, and the Ann Arbor Area Community Foundation Next Generation Philanthropy. His personal interests include baseball, basketball, boating, football, rock climbing, surfing, table tennis, and tennis.

Christian Olson is a Financial Advisor at Merrill Lynch Wealth Management, specializing in delivering goal-based financial guidance tailored to clients' priorities. He works with individuals and families to develop personalized strategies for investing, retirement planning, wealth preservation, and achieving financial goals. Christian's expertise includes college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his current role, he built his career in corporate finance, where he partnered with business leaders on financial planning, analysis, and profitability optimization. He holds a Bachelor's Degree from Michigan State University and the Personal Investment Advisor (PIA) designation. In his personal life, Christian enjoys boating, football, golfing, soccer, spending time with his family, and traveling.

Camille Harrison is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. She has been with LPL Financial and working as an independent financial advisor since 2012. Outside of her advisory role, she serves as vice president of a sustainable farming operation. LPL Financial is a national investment advisory and broker-dealer firm serving a broad client base including individuals, retirement plans, and institutions, offering a range of advisory programs and financial planning services supported by research and technology-driven investment strategies.

Benjamin Kragt is a financial advisor at Edward Jones in Belmont, MI, holding the ChFC® designation and Series 63 and 65 licenses. He has 29 years of industry experience, including eight years with Ameriprise Financial Services, Inc. prior to joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of advisors and branch offices across the United States.

Carmen Haag is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 19 years of industry experience. She has worked within the Thrivent organization since 2006, including roles at Thrivent Financial For Lutherans and Thrivent Financial. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial planning topics while keeping planning and managed-account services separate.

Randy Malloy is a financial advisor at LPL Financial with 10 years of industry experience. He has held roles at LPL Financial since 2018 and previously worked at Hantz Financial Services from 2016 to 2018. He holds the Series 66 designation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Michael Ceaser is a financial advisor at Cetera with 18 years of industry experience. He holds the CFP® and Series 66 designations and has been with Cetera Advisors LLC since 2013. Ceaser also operates Ceaser Capital Management and works as an insurance agent selling life and health insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement various portfolio strategies across discretionary and non-discretionary accounts.

Kristopher Kerr is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has been with Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering 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.

Laura Voigt is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Mass Mutual Investors Services since 2017, following two years at MetLife Securities Inc. and ongoing affiliation with MassMutual Life Insurance Co since 2016. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning without investment discretion.

Capri Pointer is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Bank of America, N.A., and has held roles outside the financial industry including at Costco Warehouse and the Bureau of Workers Compensation. 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, and institutional investors.

Paul Mcmillin is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and has worked at Ambassador Advisors, LLC and Hopper-McMillin, where he has been involved since 2009. Outside of securities, he is active as an insurance producer with M & O Marketing. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services emphasizing asset allocation, risk assessment, and portfolio management across a broad range of investment types.

Ryan Murphy is a financial advisor at Merrill with 11 years of industry experience. He has held positions at Bank of America and Merrill since 2017, and previously worked at PNC Investments and PNC Bank from 2014 to 2017. He holds a Series 66 designation. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based, discretionary, and related investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

John Sawicki is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Christopher Mizzi is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on helping clients develop comprehensive wealth plans that address their expenses, income, objectives, risk, and risk tolerance. He assists in implementing these plans by analyzing market conditions, investments, and related data to create strategies aimed at meeting clients' long-term financial goals. He holds a Bachelor's Degree from Arizona State University and a Master's Degree from the University of Detroit. Christopher has earned the professional designations of Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). In addition to his professional work, he participates in community service through volunteer efforts with local organizations.

Scott Vermillion is a financial advisor with LPL Financial in Novi, Michigan, holding the Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has worked at DFCU Financial Federal Credit Union since 2002 and was previously with CUSO Financial Services, L.P. Additionally, he is involved in DFCU Financial Partners, a business related to his work at LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, credit unions, and corporations through a national network of investment adviser representatives. The firm offers diverse advisory programs and combines proprietary research with third-party strategies across discretionary and non-discretionary management.

Rebecca Calabro is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley, Merrill, and Genisys Credit Union. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm provides a broad range of services including fee-based financial planning, portfolio management, and institutional trading capabilities.

Douglas Johnson is a financial advisor at Merrill with 15 years of industry experience. He previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities before joining Merrill in 2017. Outside of his advisory role, he serves in the U.S. Naval Reserves, participating in monthly mobilization training and annual exercises. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Daniel Bulgozdy is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. 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.

Mark Rhodes is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their unique goals and changing market conditions. Drawing on the investment insights of Merrill and the banking and lending solutions provided by Bank of America, he aims to support clients in pursuing their long-term financial objectives through comprehensive wealth management. Mark holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from the University of Michigan. In addition to his advisory role, he actively participates in community service, volunteering with local organizations in line with Merrill’s tradition of community involvement.