Michael Justin is a CFP®-certified financial advisor with 26 years of industry experience, currently practicing at LPL Financial in Troy, MI, where he has worked since 2009. He operates a DBA, Stratmore Financial Group, as part of his other business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients with a broad range of financial planning, asset management, and retirement solutions through a large network of investment adviser representatives.

Sean Lehman is a financial advisor with Charles Schwab & Co., Inc. in Detroit, Michigan, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Schwab in 2023, he worked in various roles including at Griffin Claw Brewing Company and the United States Postal Service. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 employs a primarily non-discretionary client relationship model complemented by access to discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Jordan Hewitt is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Hewitt worked at PwC Consulting Australia for four years and held roles at the Department of Treasury and Finance in South Australia as well as the University of Michigan. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process involves structured discovery conversations and firm-approved tools to model outcomes without offering individual security recommendations in standalone plans.

Nicole Braidwood is a financial advisor with Morgan Stanley in Troy, MI, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and modeling techniques, offering a wide array of investment and financial services.

George Alami is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has one year of industry experience and previously worked at Wipfli LLP and Verbio North America. Outside of his advisory role, he is involved with Noho Hospitality. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Jamie Gibson is a CFP® professional with 30 years of industry experience, currently advising at Raymond James Financial in Troy, MI. He is owner and CEO of several businesses including 401MAX, Inc. and Gibson & Company, Inc., and also provides paralegal services focused on estate planning. Gibson’s background includes roles at multiple related entities since 2016. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and provides specialized municipal and employer advisory services.

Anthony Macaluso is a financial advisor with LPL Financial who holds a Series 66 designation and has 14 years of industry experience. He has been with LPL Financial since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions through a large network of investment adviser representatives.

Gary Gilgen is a CFP®-designated financial advisor with 40 years of industry experience, currently practicing at LPL Financial since 2021. His prior experience includes roles at Rehmann Financial Network, Royal Alliance Associates, and The Advisor Group-Brokerage & Employee Benefits, Inc. He serves as president of Lutheran Advisor Group, Inc., a property management business. 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 provides a range of advisory and brokerage services through a large network of advisors, offering diversified investment approaches including model portfolios and third-party asset management.

Michael Maher is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at LPL Financial since 2018 and previously at Signator Investors, Inc. He is also involved with Maher Asset Management and Maher Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, incorporating both proprietary research and third-party strategies.

Renate Nebel Bernard is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera Advisors LLC since 2013. In addition to her advisory work, she owns and manages 4 B Pretzels LLC, a wholesale and retail pretzel business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Mark Drouillard is a CFP® with 33 years of experience in the financial industry. He is currently with Osaic and has previously worked at Securities America Advisors and Ameriprise Financial Services. Outside of his advisory role, he is president of Patrick Henry, Inc., a business advisory firm focused on mergers and acquisitions, private equity, and business coaching. He also manages his financial planning firm's operations through Drouillard Group, Inc. Osaic Wealth serves a wide range of clients, including retail investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing various investment program options supported by affiliated broker-dealer and RIA relationships.

Iuliana Keyes is a financial advisor at OSAIC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at OSAIC since 2009, with additional experience at Vim Capital and Thomas Financial Group. Outside of her advisory work, she serves on the board of FernCare Free Clinic, a nonprofit that provides free healthcare to uninsured individuals. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach involves model-based asset allocation, portfolio optimization, and access to discretionary and third-party managed strategies.

Alvin Hayes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2017, following prior experience at Jpmorgan Chase Bank and Colling Homes Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and may include ESG considerations.

Michelle Harm is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC., Hornor, Townsend & Kent, Inc., and Penn Mutual Life Insurance Company. Outside of her advisory work, she serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers a range of financial planning, consulting, and insurance products.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

Lyle Schonberger is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business entity. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Timothy Daly is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he has been involved with Saginaw Valley Sports Performance, LLC for over 20 years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, typically using model-driven investment approaches and offering access to third-party asset managers and wrap programs.

Louis Messina is a CFP® professional with nine years of experience in financial advising. He is currently with Cetera and has prior experience at Voya Financial Advisors and Baron Wealth Management. Messina is involved in educational content development through Horizon Adviser University and owns a business focused on expense management. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts, offering a multi-manager platform with a variety of portfolio management and consulting services.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers customized, non-discretionary investment advice supported by centralized due diligence and incorporates both quantitative and qualitative research in its asset allocation recommendations.

Daniel Murfey is a financial advisor at Edward Jones in Rochester, MI, with nine years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.