James Zann is a Series 65-credentialed financial advisor at Cetera with five years of industry experience. He previously worked for Avantax Advisory Services for five years and has been associated with Polk and Associates PLC since 2012. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporations, charities, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and various program structures.

Nicholas Patterson is a CFP® professional with seven years of industry experience, currently serving at Mass Mutual Investors Services since 2020. His prior work includes roles at Cambridge Investment Research and in automotive and fluid power industries. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, offering collaborative, annual planning engagements that utilize firm-approved analytical tools and focus on investment strategy recommendations.

Lauren Kosten is a financial advisor with Morgan Stanley in Belmont, MI, holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and employer-sponsored financial planning agreements.

Shahriar Faraji is a financial advisor with LPL Financial in Lathrup Village, MI, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at Michigan First Credit Union, Bank of Ann Arbor, Inland Securities Corporation, and TD Ameritrade. Outside of financial services, he has worked as a restaurant server at IHOP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

Stephanie Kerr is a financial advisor with Raymond James & Associates in Huntington Woods, MI. She holds Series 63 and Series 66 licenses and has 15 years of industry experience. Her career at Raymond James spans multiple affiliated entities since 2016. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and government entities. The firm offers wealth advisory planning and investment consulting through non-discretionary services, with notable involvement in municipal and public finance and an extensive affiliate network supporting integrated custody and product sourcing.

Laura Herfy is a financial advisor with Charles Schwab in Birmingham, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at Empower Financial Services and Thrivent Financial, including Thrivent Investment Management. Outside of her advisory role, she serves as CEO of People of Impact, a nonprofit organization focused on leadership and support for veterans. 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 combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a centralized approach to custody, brokerage, and investment guidance.

Erika Fitzhugh is a financial advisor with Ameriprise in Grosse Pointe, MI, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliate since 2007. Outside of her advisory role, she is involved with Fitzhugh Services, LLC, a business unrelated to investment activities. Ameriprise is an institutional firm serving clients primarily through its retirement-income planning service, which targets individuals near or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, focusing on assets held within Ameriprise-managed accounts.

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 with Merrill in Royal Oak, MI, holding Series 66 and Series 63 licenses and seven years of industry experience. He previously worked at JP Morgan Chase for 17 years and held positions at Benzinga and Lazio Search Group before joining Merrill and Bank of America in 2025. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jack Kloka is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Securities America, Inc., Flexible Plan Investments, Ltd., General Nutrition Center, and Warren Screw Products. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custody and supervisory arrangements.

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.

Brayden Steele is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he worked at Pure Hockey and has held various roles including positions at CSI Worldwide and educational institutions. Outside of his advisory role, he is employed with CSI Worldwide, a company that assists businesses in setting up trade show display booths. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

Dawn Myers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, Myers serves as a power of attorney and representative payee for her son. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Daniel Bolda is a CFP® professional with 40 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and previously spent ten years with Michigan Pension and Financial Inc. and Commonwealth Financial Network. Bolda is also the owner of Michigan Pension & Financial Inc., where he serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using a range of portfolio strategies and platform arrangements.

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.

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.

Sean Moran is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a director and member of the executive committee for The Parade Company, where he contributes to idea generation for new sponsors and advertising and organizes the Thanksgiving Day Parade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to model outcomes for clients.

Paul Brent is a financial advisor with Morgan Stanley in Grosse Pointe Farms, MI, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and delivers services through its Financial Advisors and Estate Planning Strategies Group.