Robert Wilson is a CFP®-certified financial advisor with 38 years of industry experience. He has been with Ameriprise since 2005, currently serving at their Sterling Heights, MI office. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities, employing algorithmic tools and oversight committees to support its retirement planning services.

Anthony Tuzzolino is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.

Amanda Henderson is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Outside of her advisory role, she owns and operates Henderson Homestead, a retail and online store based in Saint Clair, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by advanced modeling tools.

Dawn Lubienski is a Series 66 credentialed advisor with Merrill, where she has worked since 2017. She has prior experience with Grace Community Church and Grosse Pointe Nursery School, as well as over two decades in homemaking. 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, pension plans, corporations, and charitable organizations.

Christopher Roberts is a financial advisor at Cetera with 34 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at VOYA Financial Advisors and Somerset Financial Group. Roberts is a senior partner at Horizon Advisers, where he is involved in financial education through Horizon Adviser University. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers multiple investment and financial planning services through a multi-manager platform with access to various model portfolios and third-party managers.

David Cox is a financial advisor with Ameriprise in Southfield, MI, holding Series 63 and Series 66 designations and with 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kelly Mc Gowan is a Series 66 licensed financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2022, Mc Gowan worked at MassMutual from 2019 to 2022 and was affiliated with the University of Illinois at Chicago from 2015 to 2019. Morgan Stanley Wealth Management provides a wide array of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Kyle Lambert is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked with both LPL Financial Services, LLC and Financial Services Group of Michigan, Inc. He also serves as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Clifton Powell Jr. is a CFP®-credentialed financial advisor with LPL Financial in Rochester Hills, MI, and has 30 years of industry experience. He has been with LPL Financial since 2003. Powell is also affiliated with Marcum LLP's CPA Affiliate Program as of 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers comprehensive financial planning and advisory services, including discretionary and non-discretionary management, supported by research, model portfolios, and various program offerings.

Matthew Sebastian is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to his financial services career, he was employed at Novo Nordisk for nine years. Outside of finance, he is a partner in Sebastian Tree Farm, an agricultural business in Casco, Michigan. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and scenarios. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both standard wealth management and specialized investment strategies.

Lauren Wenzel Okwara is a financial advisor at Morgan Stanley with four years of industry experience. She holds the Series 66 designation and has worked with Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank, N.A. Outside of finance, she has experience with Shift Digital and has an academic background from the University of Notre Dame. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies.

Michael Beckner is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Scottrade for 16 years before joining Ameriprise Financial Services in 2018. Outside of his advisory role, Beckner serves as a church treasurer, assisting with financial responsibilities. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Philip Ruggeri is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2016 and has been affiliated with First State Bank since 1985, where he serves as Chief Financial Officer. Ruggeri also teaches as a college instructor in Warren, Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research from LPL Research and third-party subadvisors.

Sheryl Hale is a financial advisor with Morgan Stanley in Troy, Michigan, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and access to various investment products and strategies.

Arthur Onyx is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with LPL Financial since 2009 and has operated Arthur F. Onyx Accounting since 1980, providing tax preparation and light bookkeeping services alongside his advisory work. 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 and financial planning services, including both discretionary and non-discretionary management supported by in-house and third-party research and portfolio options.

Kristina Graham is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, she worked at Paycom for five years. Outside of her advisory role, she owns and manages a vacation rental property in Johannesburg, Michigan. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Justin Cattaneo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at Independent Bank, Cetera, The Huntington Investment Company, Bank of America, Merrill Lynch, and PNC Investments. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses fact-finding, risk profiling, and modeling tools to tailor non-discretionary planning and consulting to client goals, supporting implementation through various advisory programs.

Stephen Hilles is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and six years of industry experience. He previously worked at First Command Financial Services and its affiliated entities from 2019 to 2023. Outside of his advisory role, Hilles serves as the treasurer of Faith Baptist Church, where he oversees expenditures and provides financial reports on a volunteer basis. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary services through a select group of Wealth Advisors and incorporates an ESG eligibility framework in its recommendations.

Donald Denstaedt is a financial advisor at OSAIC with 18 years of industry experience. He holds the CFP® designation and Series 63 and 65 licenses. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services Inc. and Sii Investments, and has been co-founder of Platinum Wealth Management Group since 2007. He also serves as Vice President of Strategic Partnerships at Advanced Planning Education Group and teaches Investment Planning at Oakland University. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various tools and platforms to construct portfolios across multiple asset classes on discretionary or non-discretionary bases.

Renee Marone is a financial advisor with J.P. Morgan Securities in Troy, MI, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with J.P. Morgan Securities since 2013. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.