Michelle Lively is a financial advisor at Morgan Stanley in Birmingham, MI, with 24 years of industry experience. She has been with Morgan Stanley since 2016. Outside of her advisory role, she has been an independent representative for Silpada Designs Jewelry, conducting home shows, though she currently does not plan to continue this activity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning supported by firm-approved tools and structured processes.

Patrick Lane is a financial advisor at Equitable Advisors with five years of industry experience. He holds a Series 66 designation and previously worked at KPMG LLP and Stout Risius Ross, LLC. Outside of his advisory role, he serves as a partner at Gabel and Lane Financial Services and acts as an administrator or trustee for estates and trusts. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, leveraging LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Nourin El Hamalawi is a financial advisor at Raymond James Financial with one year of industry experience. She holds the Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2026, along with roles at Birmingham Wealth Partners and Raymond James Financial Services, Inc. prior to that. Outside of finance, she has experience in the beauty industry, including positions at Escova Salon and Paul Mitchell School. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth investors and public entities. The firm offers tailored, non-discretionary advisory solutions and specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Michael Karfis is a financial advisor with Ameriprise in Novi, Michigan, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset thresholds, providing non-discretionary, research-driven recommendations on income sources, Social Security claiming, and tax-smart withdrawal strategies. The firm combines algorithmic tools with advisor oversight and emphasizes managed accounts within its planning approach.

Andrea Dabrowski is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked in various roles including at RPM Freight Systems and United Wholesale Mortgage. She also has ongoing involvement with NestMate Real Estate LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and firm-approved tools.

Ivette Hernandez is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2012. 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 delivers advisory services alongside brokerage, distribution, and investment management capabilities through a non-discretionary program.

Erica Thomas is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, NA since 2010. Based in Chicago, IL, her career has been focused within the J.P. Morgan organization. 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, distribution, and investment management capabilities, delivering services through a non-discretionary program supported by an in-house manager solutions team and centralized due-diligence.

Sarah Cunningham is a financial advisor with Merrill in Dearborn, MI, holding a Series 66 designation and 24 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Inc since 1998 and has been associated with Bank of America, Na since 2009. 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. The program integrates Merrill’s investment strategies with Bank of America’s broader platform, including access to multiple financial products and services.

Jeffery Sprague is a financial advisor with Cetera who holds Series 63, Series 65, and Series 66 designations and has 33 years of industry experience. He has worked with Cetera and its affiliated firms since 2002. Outside of advising, he operates an insurance agency. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform and a range of portfolio management and consulting options.

Sergey Solovyev is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His career includes positions at MassMutual Life Insurance and MetLife Securities, with ongoing involvement at Euro Market since 2004. Outside of his advisory role, he works as an independent insurance agent. MassMutual 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 and a range of investment programs.

Dustin Misorski is a financial advisor with Cetera holding a Series 66 designation. He has been with Cetera and its affiliated entities since 2022. Prior to his career in finance, his experience includes roles at Ford Motor Company and various service industry positions. He is also involved with DigitalToolProducts, a separate business venture. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across multiple program structures and custodial relationships.

John Crampton is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Ralph Albers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously spent a decade at Ameriprise Financial Services, Inc. in various advisory roles. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Valentina Johnson is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2023, following roles at D.A. Davidson Co., Rocket Companies, Family First Life, and the City of Detroit. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of accounts and wealth levels. The firm manages over $1 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Neil Sawicki serves as a Resident Director and Wealth Management Advisor at Merrill. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Neil works with families and small business owners to proactively develop their financial needs and goals, creating strategies to help achieve them. Before joining Merrill, Neil served four years in the U.S. Army in the Judge Advocate General's Corps and practiced as an attorney for over 20 years. His experience as a small business owner and legal advisor informs his approach to understanding clients' priorities and providing competent, timely, and professional financial guidance. Neil emphasizes a personalized planning process centered on clients' life priorities beyond markets and returns. Neil earned a Bachelor's Degree from Michigan State University and a Juris Doctorate Degree from the University of Detroit School of Law. He is a member of the American Legion and involved in community activities including children's schools. In his personal time, Neil enjoys chess, football, golfing, hunting, and spending time with his family.

Benjamin Jordan is a financial advisor with Cambridge Investment Research Advisors in Farmington Hills, MI. He holds Series 65 and Series 66 credentials and has one year of industry experience. Prior to joining Cambridge, he was involved with Michigan Pension & Financial Inc. and has a background that includes roles in hospitality and public transportation sectors. He is also an owner and partner in Michigan Pension & Financial and HJ Capital Partners, LLC. 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 professionals, utilizing multiple custody platforms and a range of portfolio management strategies.

Sheel Desai is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works at JPMorgan Chase Bank, NA since 2018. Outside of his advisory role, Desai serves as Treasurer and a member of the Board of Directors for the Novi Parks Foundation, a nonprofit focused on park enhancements. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm delivers its advisory services on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Patrick Lapensee is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2010. In addition to his advisory work, he is involved in tax preparation through a related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, and institutions, offering diverse advisory programs and financial planning services.

Justin Dunn is a financial advisor with LPL Financial in Sterling Heights, MI, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he works as a hockey referee at ice rinks in Detroit, MI. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

EL Forbes is a Planning Consultant currently working at Fidelity Investments since 2026. In this role, they engage directly with clients to provide financial planning services. EL's approach to financial advising is guided by the values of service, trust, and prioritizing people, reflecting the principles formed during their upbringing in a large family. They strive to make complex financial decisions more accessible and to empower clients to proceed with confidence. Outside of their professional work, EL has interests that include art, cooking and baking, family activities, fitness, food, and social events with friends.