Mackenzie Mertz is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. She is also involved in coaching volleyball, serving as lead trainer and tournament director for The Victors Volleyball Club LLC and as an assistant volleyball coach at the University of Michigan - Dearborn. Outside of advising, she works at Fern Hill Golf Club in a customer service role. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with options spanning automated allocations to customized strategies.

Kelly Tucker is a financial advisor at OSAIC with seven years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Securities America, Inc., Securities America Advisors, CoreCap Advisors, and Hakim Financial. Tucker is also a licensed insurance agent and has operated advisory and insurance businesses. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct customized portfolios across various asset classes.

Michael Wharton is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Edward Jones since 2004. He also presents seminars as an instructor for LifeSpan, an employee education organization based in Detroit. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Michael Gulawsky is a financial advisor at LPL Enterprise with a Series 66 credential and under one year of industry experience. His prior work experience includes roles at Lululemon Athletica and MPM Companies LP. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform combining advisory and sales services.

Robert Declercq is a CFP® and holds a Series 66 designation with 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. for nine years before joining Stifel in 2025. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Jacob Ritchie is a financial advisor with LPL Financial, holding the Series 66 designation and having one year of industry experience. He has worked at LPL Financial since 2023 and concurrently operates a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and various portfolio management strategies.

Ian Cole is a financial advisor with Thrivent Investment Management in Mount Clemens, MI, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Trevco, Inc. and Shinola Detroit. Outside of his advisory work, he is the president and owner of Mount Clemens Brewing Company, a business involved in brewing and distributing beer to retailers. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based planning across a broad range of financial topics without discretionary trading authority, and clients may combine planning with managed accounts under a consolidated billing option called “WealthPlan.”

Effie Katsis is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she operates Sena Solutions LLC, a restaurant concepts consulting company. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of advisory and brokerage offerings.

Danielle Caralis is a financial advisor with UBS Financial Services in Detroit, MI, holding a Series 66 designation and one year of industry experience. She previously worked at PNC Bank NA for 13 years. Outside of her advisory role, she serves as President of the Board of Directors for the Grosse Pointe Theatre, a local community theatre group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocation to tailor client strategies.

Kerry Lacy is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 14 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, Lacy has been a professional bass player and musician since 1976. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory, and brokerage services through various investment programs and third-party management strategies.

Caren Boatman is a financial advisor at Ameriprise with 13 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered through a centralized consulting team, emphasizing managed accounts and algorithmic automation in its advisory process.

Dylan Seibold is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to his current role, he worked as a general contractor and in pest control, and has experience in educational and community settings. 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, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Troy Allen is a financial advisor at Charles Schwab with 29 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co. since 2005. Outside of his advisory role, he serves as the Grand Rapids Chapter President of the Ruffed Grouse Society & American Woodcock Society, where he leads the planning team for chapter events. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by its integrated operational structure and centralized service model.

David Vera is a CFP® professional with 17 years of industry experience, currently serving at Charles Schwab in Troy, MI since 2014. He holds the Series 66 designation and has been involved with Charles Schwab bank and Charles Schwab over the past 12 years. Vera is a board member of the Boys & Girls Club of Troy, participating in community outreach and fundraising activities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Nancy Papo is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has worked at Equitable Advisors and its predecessor firms since 2016. Outside of advising, she serves as an independent contractor arbitrator for FINRA, hearing arbitration cases and deciding outcomes based on evidence since 1992. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, with a delivery model focused on LPL-sponsored programs and endorsed third-party managers.

Todd Hoover is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He previously worked at National Planning Corporation for 10 years before joining LPL Financial in 2017. Hoover also serves as a non-variable insurance agent and operates Hoover Financial Services, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Peter Andrew is a CFP® with eight years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He also serves as an advisory board member for Jeep Jamboree USA, providing financial consulting and client engagement. His career includes roles at Andrew Financial, Inc. and FCA, US LLC. Raymond James Financial Services Advisors, Inc. offers tailored financial planning and investment consulting to individuals, high-net-worth clients, and institutional clients. The firm utilizes analytical tools and risk profiling to support non-discretionary advisory services and maintains specialized programs in municipal finance and SIMPLE IRA employer consulting.

Michael Cayen is a financial advisor at Cambridge Investment Research Advisors with 28 years of industry experience. He previously worked at Lincoln Investment and Legend Equities Corporation. Cayen is the owner of Cayen Financial Services LLC and Ohana Wealth Advisory, and he also works as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent Financial Professionals, using a variety of proprietary models and third-party strategies tailored to client objectives.

Wade Masen is a financial advisor with LPL Financial, holding a Series 63 designation and over 40 years of industry experience. He has held roles at Sigma Planning Corporation, Sigma Financial Corporation, and Masen, Frantz & Associates before joining LPL Financial in 2023. Outside of his advisory work, Masen is involved with WMS LLC, a non-variable insurance 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, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment management technologies.

Sammy Amine is a CFP® and Series 66 credentialed financial advisor with 13 years of industry experience. He is currently with Raymond James & Associates, having previously worked at Ameriprise and Comerica Securities. Amine has provided financial advisory services covering bank clients under the Ameriprise umbrella. Raymond James & Associates is a large firm serving individuals, institutions, pension plans, charities, and municipal entities. The firm offers financial planning and investment consulting with a range of portfolio management styles and research support, including municipal advisory and employer consulting services.