Joseph Ciaramitaro is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Raymond James & Associates since 2003. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a variety of portfolio management styles and affiliated research.

Chad Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Timothy Fliam is a CFP®-certified financial advisor with 11 years of industry experience, currently with Edward Jones since 2017. He previously worked at CETERA Advisor Networks LLC and serves in the United States Navy Reserves as a Hospital Corpsman. Outside of his advisory role, he officiates high school football during the fall season. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors, and offers a range of advisory programs with over $1 trillion in assets under management.

Steven Arnold is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with LPL Financial since 2008 and has also operated Financial Focus LLC since 2006. Arnold served in the United States Marine Corps Reserves for 26 years. He is active as a seminar speaker and provides tax preparation and consulting services through a related accounting LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology such as machine learning to support diversified investment strategies.

David Mooradian is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through dedicated Financial Advisors and specialized strategies.

Jennifer Lyons is a financial advisor with J.P. Morgan Securities in Farmington Hills, MI. She holds a Series 66 designation and has four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2021, she worked for Independent Health from 2007 to 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Nicholas Juncaj is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with J.P. Morgan since 2015, including a brief period managing his own firm in 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, offering non-discretionary advisory programs supported by centralized due diligence and ESG processes.

Jerome Repovz is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously spent nine years at Summit Financial Group Inc. Outside of his advisory role, he is president of Sound Financial Services, Inc., focusing on life insurance sales and quotes. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform.

Lana Albawwab is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 66 and Series 63 credentials and has worked at JPMorgan Chase Bank and DoorDash. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Adrenee Asadoorian is a Series 66-licensed financial advisor with eight years of industry experience. She has been with Merrill since 2014 and previously worked at Bank of America, N.A. She is based in Farmington Hills, MI. 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 both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutional entities.

Zaed Shamoon is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at firms including Bank of America, Northwestern Mutual, and several mortgage and banking institutions. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Derek Leek is a CFP® with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to joining Edward Jones, he worked at Dish Network for three years and attended Michigan State University. Outside of his advisory role, he has worked as a grocery delivery shopper. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Joseph Skornicka is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. He previously worked at Schwartz Investment Counsel, Inc. for nine years and was retired from 2021 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by various model portfolios and research.

Dianne George is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 designations and having 40 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

John Loveland is a financial advisor with Ameriprise in Plymouth, MI, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2004. Outside of his advisory role, he co-owns Clarity Tax Professionals, LLC, a tax preparation business, and provides consulting services to another financial advisor’s practice. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Amy Siu is a financial advisor with Primerica Advisors in Farmington Hills, MI, holding Series 65 and Series 63 credentials and 10 years of industry experience. Her prior work includes a position at CliftonLarsonAllen LLP. Outside of her advisory role, she works as an independent contractor for an HOA Professional Group and is involved in the sale of home-related services through affiliated companies of Primerica. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and offers advisory services primarily through model-delivery strategies managed by third-party asset managers.

Mya Kilgore is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and over three years of experience at Merrill. Her prior experience includes roles at FCA Fiat Chrysler, Trinity Health, Credit Acceptance, and Staffing Health Paycor. She is also affiliated with Strayer University since 2020. 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 a diverse client base including individuals, high-net-worth clients, and charitable organizations.

Elizabeth Vanhecke is a Certified Financial Planner (CFP®) with 25 years of industry experience. She has been with Morgan Stanley since 2009 in their Farmington Hills, MI office. Outside of her advisory role, she serves as a board member for Notre Dame Preparatory School in Pontiac, Michigan. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes that include firm‑approved tools and modeling techniques.

Eric Messner is a financial advisor with LPL Financial in Novi, MI, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Cambridge Investment Research Advisors for 17 years. 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 broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Dominik Kudzma is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 credential and previously worked at Woodbury Financial Services. Outside of his advisory role, he owns ModInteractive, a remote web design business serving small businesses. OSAIC serves a diverse range of retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage and advisory services with access to multiple investment platforms and third-party managers. The firm employs asset allocation tools and automated rebalancing to construct diversified portfolios tailored to client risk profiles.