Duane Garth is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His career includes roles at Summit Financial Group Inc and Cetera Wealth Services, LLC. Outside of advising, he co-founded a ministry focused on financial unity for couples, serves on several nonprofit boards including for the City of Southfield and Ashland Theological Seminary Foundation, and teaches as an adjunct professor at the University of Detroit Mercy. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment options and program structures, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Peter Gianopoulos is a financial advisor at OSAIC Wealth, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2018, following 17 years at John Hancock Insurance/Signator Investors. Outside of his advisory role, he is president of several entities offering fixed insurance and annuity products. OSAIC Wealth, Inc. serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Adam Partridge is a financial advisor at Merrill with 7 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at firms including JP Morgan Chase, Benzinga, and Lazio Search Group. His current role follows positions at Bank of America and Merrill since 2025. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Lisa Hite is a financial advisor at LPL Financial in Canton, MI, holding a Series 66 designation and with two years of industry experience. She has been affiliated with Community Financial Credit Union since 2001, combining over two decades of experience in the financial sector. 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 a range of advisory programs, financial planning services, and retirement plan consulting, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Brendan Dunleavy is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Signator Investors/John Hancock for 14 years. Dunleavy serves on the boards of a charitable organization managed by the Michigan Department of Human Services and the Irish Network Detroit. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses asset-allocation tools, risk questionnaires, and automated rebalancing to construct diversified portfolios tailored to client preferences.

Rivaldo Tobia is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and eMortgageFunding LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to offer customized advice and performance reporting. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Kurt Ebel is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He has worked at Cetera and its affiliate firms since 2019 and previously spent 12 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party investment managers.

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 at Merrill Lynch Wealth Management, where he leads a Forbes "Best-in-State Wealth Management Team." He works with individuals, families, and businesses to achieve their financial goals through in-depth financial planning, tax mitigation, strategic portfolio management, and personalized guidance tailored to today's dynamic markets. Richard also serves as a Retirement Benefits Consultant, assisting business owners and companies with the design, implementation, and management of 401(k) plans aligned with organizational objectives and employee financial well-being. Richard began his financial services career in 2008, motivated by his commitment to small business owners and his business acumen, enabling him to guide sophisticated clients through comprehensive wealth management. He holds a Bachelor's Degree from Western Michigan University and maintains several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Additionally, Richard retains licenses as a residential and commercial mortgage loan originator and REALTOR®. Beyond his professional endeavors, Richard resides in Grosse Pointe Farms with his wife and daughters. He is actively involved in his community, coaching varsity baseball at Grosse Pointe South High School, serving on the board of the Grosse Pointe Farms Parks & Harbor Committee, and acting as Commodore of the Grosse Pointe Farms Boat Club. His community involvement extends to volunteering and fundraising for organizations such as Motor City Blight Busters and St. Jude Children's Research Hospital. In his personal 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.

Scott Lowery is a financial advisor with Raymond James Financial in Northville, MI, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience and has been with Raymond James Financial since 2009. In addition to his advisory role, Lowery serves as Treasurer and board member of the Northville Historical Society. He also owns and operates Scott Lowery, CPA, PC, an accounting firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm employs tailored, non-discretionary planning using risk profiling and analytical modeling, and it supports a broad advisor network with specialized municipal and public finance services.

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.

Jonathan Saffiedine is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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 ChFC® credentialed financial advisor with 19 years of industry experience. He has been with Raymond James & Associates since 2021, following seven years at TIAA-CREF. Outside of his advisory role, he is a board member of the York Meadows Homeowner's Association. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning and investment consulting through a range of portfolio management strategies and institutional services.

Donald Nadeau is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Raymond James since 1999 and also maintains a longstanding association with Roney & Co. since 1988. Outside of his advisory roles, he is a partner in Brothers 4 LLC, a limited liability company. 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, institutions, and municipalities, offering financial planning and advisory services with a range of portfolio management styles.

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.