Charles Dennis is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 20 years of industry experience. He has worked with JPMorgan Chase Bank since 2006 and with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research to develop model asset allocations, and includes capabilities in derivatives and commodities through affiliated entities.

Michael Reinhard is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities and its affiliated firms since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process is supported by centralized due diligence and includes capabilities in derivatives and commodities.

Michael Boren is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill and Bank of America in 2019, he worked at Northwestern Mutual in various capacities from 2015 to 2019. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Angel Mcfarland is a financial advisor at Thrivent Investment Management with two years of industry experience. Mcfarland holds a Series 66 designation and previously worked at UWM and the Michigan Department of Transportation. Outside of advising, Mcfarland also works as an Uber driver. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers comprehensive, goal-based planning across various financial topics, delivering recommendations without implementation, and allows clients to integrate planning with managed accounts under a consolidated billing option.

Jordan Fujarski is a financial advisor at Morgan Stanley with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Morgan Stanley and Northwestern Mutual in various advisory roles. Prior to his financial services career, he was involved in businesses including valet services and car care. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals 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 both direct client relationships and employer-sponsored financial planning agreements.

Brandon Moore is a financial advisor with LPL Financial based in Bloomfield Hills, MI, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Inc. and Triad Advisors, Inc. He is also involved as a speaker for White Glove Workshops, a seminar series based in Birmingham, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a variety of investment strategies and technology tools.

Joseph Hubert is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 22 years of industry experience. He has been with UBS Financial Services since 1993. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Matthew Garofalo is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2020, following roles at UBS Financial Services from 2015 to 2020. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, serving a broad client base with a focus on systematic investment methodologies.

Neeta Singh is a financial advisor with Ameriprise in West Bloomfield, MI, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and has concurrently worked at Lord & Taylor since 1992. Singh is also a member of HSFA LLC, a non-investment-related business. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Chad Rollins is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors since 2014 and holds Series 63 and Series 65 registrations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, with recommendations developed using Wells Fargo research and planning tools.

Joshua Mrozowski is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Willie Herbert Jr. is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and with 26 years of industry experience. He has been affiliated with PFS Investments Inc. and Primerica Financial Services since 1999. Outside of investment advisory, he is involved in sales of non-investment products including home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, offering various investment models including those that allocate to cryptocurrency ETFs.

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.

Brendan Dunleavy is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2018, following a 14-year tenure at Signator Investors/John Hancock. Dunleavy serves on the boards of a charitable organization affiliated with the Michigan Department of Human Services and the Irish Network Detroit. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach involves model-based asset allocation, portfolio optimization, and a range of customizable strategies supported by third-party money managers and proprietary models.

David Kaminski is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Kaminski owns and operates a commercial real estate business and serves as president on the board of a condominium association. Ameriprise is a large institutional firm offering retirement-income planning services focused on clients with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and a combination of research and modeling to generate personalized, tax-efficient recommendations.

Rivaldo Tobia is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 63 and Series 66 designations and has worked within various roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and eMortgageFunding LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Jake Sehoyan is a financial advisor at Cetera with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior work experience at Stifel, Nicolaus & Company, DoorDash, Tiffany & Co., Hermes of Paris, Jacobs Media/Jacapps, Carhartt, and Wayne State University. He is also a Notary Public with the Michigan Department of State. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with various program structures and access to third-party money managers.

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.

Brian Guillery is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and with 29 years of industry experience. His prior work history includes roles at FSC Securities and LPL Financial. Outside of his advisory role, Guillery is an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms, managing a multi-billion dollar asset base.

Charles Pass is a financial advisor with LPL Financial in Farmington, MI, holding Series 63 and Series 66 licenses and nine years of industry experience. He previously worked at NYLIFE Securities LLC and New York Life Insurance Company from 2016 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with investment approaches that incorporate strategic and tactical allocations, direct indexing, and alternative exposures.