Timothy Ford is a CFP®-credentialed financial advisor with Cambridge Investment Research Advisors, bringing 43 years of industry experience. He has been with Cambridge since 2008 and also serves as an independent insurance agent and board member at Dearborn Federal Savings Bank and Dearborn Country Club. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plan sponsors, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various custody arrangements and both proprietary and third-party strategies.

Anthony Atrasz is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations, and has 17 years of industry experience. His prior roles include positions at Mainstay Capital Management and Mariner Wealth Advisors, as well as being self-employed for several years. Outside of his advisory work, he is employed by Corewell Health and teaches at Schoolcraft College. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and advanced technologies.

Sierra Ford is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Sierra worked at Bank of America and JP Morgan Chase. Outside of professional activities, Sierra serves as assistant treasurer and a finance committee member for the Seventh-Day Adventist Church in Ypsilanti, Michigan. 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, and institutional investors.

Derek Ross is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 29 years of industry experience, including prior roles at Cambridge Investment Research Advisors and Genesis Financial Partners. Outside of advisory work, he serves as a part-time shipping director for Fluff & Tuff. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services supported by both proprietary and third-party research.

William Douglas is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 65 and Series 63 credentials and has worked with various Fidelity entities, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles to multiple registered investment companies and fund-of-funds.

Ronald Breaugh is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leverages his diverse professional background, which includes experience as a CPA and CFO, to provide clients with comprehensive wealth management strategies tailored to their unique financial goals. Ronald emphasizes a personalized approach, working one-on-one with clients to develop flexible strategies that address changing market conditions and help them pursue long-term success. His expertise covers a wide range of client focus areas such as college education planning, divorce transition planning, retirement income, tax minimization, and small business strategies. Ronald holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Master’s Degree from Walsh College and a Bachelor’s Degree from Albion College. Ronald is committed to community involvement, reflecting the Merrill tradition of service, and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys a variety of personal interests including baseball, basketball, biking, football, golfing, running, skiing, and swimming.

David Buring is a Wealth Management Senior Relationship Manager at Fidelity Investments, a role he has held since 2025. In this capacity, he partners with his team to provide service and guidance on various financial and family needs, focusing on educating clients about the full range of Fidelity's offerings. David has accumulated significant experience in the financial sector, beginning as a Loan Officer at New Century Mortgage from 2004 to 2006. He then served as a Bank Manager at Fifth Third Bank between 2006 and 2007, followed by a long tenure as a Planning Consultant with Fidelity Investments from 2007 to 2025. Outside of his professional work, David's personal interests include cooking and baking, football, gardening, movies, and running.

Justin Blair is a financial advisor with LPL Financial in Brighton, MI, holding a Series 66 designation and eight years of industry experience. He has worked with LPL Financial since 2018 and has been associated with Lake Trust Credit Union since 2016. Outside of his advisory work, he is involved with Lake Trust Financial Life Planning, a DBA related to his LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Carly Pickel is a Wealth Management Advisor at Merrill Lynch Wealth Management and a key member of the Sanfield Wealth Management Team based in Farmington Hills, Michigan. The team, established in 2015, combines decades of experience to provide tailored financial strategies focused on clients' primary goals and priorities. Their approach incorporates aspects such as social responsibility, sustainable, and values-based investing, including Environmental, Social, and Governance (ESG) considerations. With over a decade of personal experience complemented by the team's collective expertise, Carly specializes in helping high-achieving individuals, families, and business owners navigate complex financial decisions. Her areas of focus include college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, and retirement income. She emphasizes education and clarity to empower clients in making informed decisions. Carly holds a Bachelor's Degree in Economics, Psychology, and Sociology with a minor in French from the University of Michigan. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, Carly enjoys cooking, reading, traveling, and engages with her community through volunteering and fundraising activities, particularly with the ORT Michigan Region.

Sherrie Webb Zucker is a financial advisor with Edward Jones in Plymouth, MI, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors.

Michael Dempsey is a CFP® professional with 16 years of industry experience, currently with Raymond James & Associates since 2024. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2011 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs.

Steven Subelsky is a financial advisor with Cetera who holds the PFS™ designation and has 25 years of industry experience. He has worked at Cetera and affiliated entities since 2004 and is also a CPA with a tax and accounting practice at Frank, Hirsch, Subelsky & Freedman, P.C. since 2024. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party strategies.

Joshua Mulder is a financial advisor at Raymond James Financial with 23 years of industry experience. He has worked at Raymond James since 2016 and previously spent 14 years at Ameriprise Financial Services. Mulder Financial Group is a partnership name used for business purposes, but all client accounts and activity are conducted through Raymond James. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, charitable organizations, and institutions. The firm provides tailored, non-discretionary planning and encourages clients to implement recommendations through its advisory programs or other providers.

Mark Rowley is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Terence Reed is a CFP® professional affiliated with Cetera, bringing 45 years of industry experience. He has worked with multiple firms including Avantax and currently serves as a partner at Making Investing Personal, LLC and is involved with the Center for Tax Planning, coordinating tax services for clients. Reed also acts as co-trustee of a family trust, handling beneficiary fund requests and tax preparation matters. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services with discretionary and non-discretionary programs, supporting access to affiliated and third-party investment managers.

Joseph Dallo is a financial advisor with LPL Financial in Farmington Hills, MI, holding a Series 66 license and eight years of industry experience. He has concurrently served as a patent examiner at the United States Patent and Trademark Office since 2012 and practices estate planning law through Dallo Estate Planning, PLLC. Dallo also works as a legal advisor for D.A.T. Ventures, LLC, and has engaged in ghostwriting. 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, utilizing model portfolios and research from internal and third-party sources.

Sarah Barish is a financial advisor at LPL Financial with 22 years of industry experience. She has been with LPL Financial since 2011 and holds Series 63 and Series 66 credentials. Her outside business activities include involvement in a family communications business. 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 and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Nicole Fellhauer is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2023. In her current role, she coaches advisors on planning processes and practice management, while also leading the branch to uphold standards of care. Her professional experience includes several roles at Fidelity Investments, including Assistant Branch Leader from 2022 to 2023, Vice President and Wealth Planner from 2018 to 2022, Financial Consultant from 2012 to 2015, Investment Consultant from 2010 to 2012, and Financial Representative from 2008 to 2010. She also worked as a Client Advisor at J.P. Morgan from 2015 to 2018. No information about her education, credentials, personal interests, or community involvement was provided.

Timothy Shebak is a financial advisor with J.P. Morgan Securities in Brighton, MI, holding a Series 66 designation and 14 years of industry experience. He has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017 and previously at PNC Bank from 2013 to 2017. 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 advisory services on a non-discretionary basis.

Kelly Hyatt is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various delivery models, including direct individual plans and Corporate Financial Planning agreements.