Joseph Kelly is a financial advisor with Merrill in Sylvan Lake, Michigan, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Merrill since 2009 and also with Bank of America since 2010. Outside of his advisory role, he owns Misneach Caim, LLC, a business organization, and serves as an advisory board member for Coral Springs Resort, a nonprofit entity. 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. The firm offers a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients, utilizing internal and third-party managers.

Lee Yambura is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1981 and Bank of America since 2009. 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 plans, corporations, and charitable organizations.

Peter Marsh is a financial advisor with LPL Financial in Macomb, MI, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with LPL Financial since 2016. Marsh holds a Michigan Notary Public Commission. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, model portfolios, and retirement plan consulting.

Daniel Thomas Jr. is a CFP® with 45 years of industry experience, currently with OSAIC in Troy, MI. He has worked at ING Financial Partners Inc. since 2004 and owns Thomas Financial Group LLC, which he has operated since 1997. Outside of his advisory work, he serves as a director on the board of a condominium association in Florida, where he participates in governance but does not handle finances. OSAIC serves a diverse range of clients including individual and institutional investors, providing integrated brokerage and advisory services supported by firm-developed asset allocation tools and access to third-party investment platforms.

Damoni Ealy is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to develop financial strategies tailored to their unique goals and circumstances. His approach emphasizes understanding what clients and their families value most, with the aim of helping them pursue their financial objectives. Damoni holds a Bachelor's Degree from Grand Valley State University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through his role at Merrill Lynch, he facilitates access to global investment resources as well as credit, lending, and banking services offered by Bank of America.

Nicole Morgia is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch Pierce Fenner & Smith since 2016. 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. The firm offers multiple investment strategies including model-based and discretionary approaches, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ann Escandon is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. She has been with Thrivent Financial and its investment management arm since 2015. Outside of her advisory role, she is also a Mary Kay beauty consultant. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based planning across a wide range of financial topics. The firm offers planning as a one-time or ongoing service, separate from portfolio management, and supports integration with managed accounts through its WealthPlan billing option.

John Downey is a financial advisor at Edward Jones with 15 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Thomas Warner is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and five years of industry experience. He has previously worked at Equitable Advisors, AXA Advisors, and operated InvestWise Wealth Management, INC., an independent advisory brand affiliated with Caitlin John, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, retirement plan, institutional, and charitable clients through a national network of investment adviser representatives, offering a range of financial planning, advisory, and brokerage services with both discretionary and non-discretionary management options.

Amy Niedzwiecki is a financial advisor with Fidelity Investments, holding a Series 66 designation and six years of industry experience. She has been with Fidelity Brokerage Services LLC since 2020 and joined Fidelity Investments in 2025. Prior to her advisory career, she was an independent Amazon merchant from 2019 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, including advisory roles for registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of investment strategies.

Victoria Mady is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding a Series 66 designation and three years of industry experience. She has been with Morgan Stanley since 2021 and has also worked in various roles related to tennis and education, including involvement with the Detroit Tennis Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, specializing in tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Grant Fodor is a financial advisor with Edward Jones in Lake Orion, MI, holding a Series 66 license and 18 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory work, he serves as president of Fodor Family Farm, LLC, a hobby farm and retail business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions through a nationwide network of more than 23,700 financial advisors.

Lindsey Irish is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley before joining Merrill and its parent company Bank of America. 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 a range of clients including individuals, high-net-worth investors, and institutional entities.

Nathan Poplars is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior experience includes roles at Equitable Advisors and an internship with Michigan Financial Companies, as well as positions unrelated to finance during his education at Michigan State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with registered investment companies, use of AI and systematic methodologies, and its delivery of model portfolios to intermediary platforms.

Geoffrey Thompson is a CFP® professional with 33 years of industry experience, currently serving at LPL Financial since 2010. He holds Series 63 and Series 66 licenses and is based in Bloomfield Hills, MI. Outside of his advisory role, he manages a cottage rental business on the west side of Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diversified financial planning and advisory programs, combining discretionary and non-discretionary management with resources such as model portfolios and research from in-house and third-party providers.

Leonard Brunkey is a financial advisor with Cambridge Investment Research Advisors, holding the CFP® and ChFC® designations and over 37 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2005 and has been associated with Keystone Financial Services since 1995. Outside of investment advising, he is an independent insurance agent and provides various client services including estate planning support, bookkeeping, and assistance with funeral arrangements through Keystone Financial Services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers a range of financial planning and investment management services delivered through independent advisors and provides multiple platform options, proprietary and third-party strategies, and services tailored to client objectives.

William Schmidt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management for individuals and their families. He works closely with clients to develop personalized financial strategies aimed at helping them achieve their long-term goals. Drawing on the investment insights of Merrill and the banking capabilities of Bank of America, he provides tailored advice across a broad range of areas including college education planning, executive and equity compensation, family wealth management, legacy and liquidity planning, retirement income, and tax minimization. Mr. Schmidt holds a Bachelor's degree in Economics from Miami University, with minors in Management and Latin American Studies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Committed to community involvement, he volunteers with organizations such as Teach on the Beach and Racquet Up Detroit and is a member of the Detroit Athletic Club. He resides in Royal Oak, MI, with his wife and two rescue dogs, and in his free time enjoys cooking, fishing, golfing, photography, skiing, and traveling.

Robert Zvonek is a financial advisor at OSAIC with 20 years of industry experience. He holds a Series 66 designation and has previously worked at SagePoint Financial and Summit Brokerage Services. Outside of his advisory roles, he serves on the finance committee of the Clinton River Watershed Council, a nonprofit organization. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and automated portfolio rebalancing.

David Krahn Jr. is a financial advisor at OSAIC with three years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Woodbury Financial Services and Bridgewise Financial Partners. Outside of his advisory role, he serves as a sports official for the Michigan High School Athletic Association, refereeing football and basketball games. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools and risk assessment, offering both discretionary and non-discretionary management options.

John Kokubo is a CFA® charterholder with 39 years of industry experience. He is currently with Wells Fargo Advisors, having joined in 2025 after a combined 16 years at Morgan Stanley Smith Barney LLC and 10 years at Morgan Stanley Private Bank, N.A. He is also the principal owner of a private wealth management firm. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.