Terence Reed is a CFP® professional affiliated with Cetera, bringing 45 years of industry experience. He has worked with multiple firms including Avantax and currently serves as a partner at Making Investing Personal, LLC and is involved with the Center for Tax Planning, coordinating tax services for clients. Reed also acts as co-trustee of a family trust, handling beneficiary fund requests and tax preparation matters. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services with discretionary and non-discretionary programs, supporting access to affiliated and third-party investment managers.

Robert Peabody Jr. is a financial advisor with Raymond James & Associates in Grosse Pointe Farms, MI, holding Series 63 and Series 65 designations and totaling 44 years of industry experience. He has been with Raymond James & Associates since 1999. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting through its Institutional Fiduciary Solutions division.

Van Hauswirth is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has worked at Raymond James & Associates since 1999 and at Roney & Co. since 1995. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also provides institutional consulting and sponsors wrap fee advisory programs.

Camden Quenneville is a financial advisor with OSAIC, holding a Series 66 designation and six years of industry experience. He previously worked at PFS Investments Inc. and has held various roles outside finance, including positions in culinary services and window repair. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage, advisory services, financial planning, and access to third-party money managers, using asset-allocation tools and automated rebalancing to construct portfolios across a wide range of investment types.

Martin Reid is a financial advisor with LPL Financial based in Grosse Pointe Woods, MI, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been associated with Linsco/Private Ledger since 2006. Reid serves on the advisory board for the Capuchins, a nonprofit organization, without compensation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide through a large network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options, supported by research and model portfolios from multiple sources.

Jeffrey Lynn is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining LPL Financial, where he has been since 2022. Outside of advisory work, he is involved in business ventures including ownership of an MRI imaging company and a technology assistance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Kelly Hyatt is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various delivery models, including direct individual plans and Corporate Financial Planning agreements.

Taal Ashmann is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he has worked as an independent contractor for Market Force, performing mystery shopper assignments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and offers various retail and institutional investment options.

Robert Amboian is a financial advisor at Morgan Stanley with 24 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves on the investment committee of St. John Armenian Church in Southfield, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and utilizes tools such as Monte Carlo simulations for modeling outcomes.

Nicholas Jallos is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Holliday III is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked with JPMorgan Chase Bank since 2011. 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 these services through Wealth Advisors on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Jeanette Kowal is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at DFCU Financial, CUSO Financial Services, Protective Life, ProEquities, and Sunamerica Retirement Markets. She is currently affiliated with DFCU Financial Partners, a business related to her LPL activities. 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 provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Jacob Rose is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with MML Investors Services, Inc. and MassMutual Financial Group since 2007. Outside of his advisory role, he is an agent involved in life insurance, property/casualty, health, group life, group health, disability insurance, long-term care, and fixed annuities. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Stacy Moskowitz is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and three years of industry experience. She previously worked at Emerson (ASCO, L.P.) for six years before joining LPL Financial. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Brenda Wheatley is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. Her career includes roles at J.P. Morgan Securities, Merrill, Bank of America, and Fifth Third Bank. She currently serves clients through Cetera and Wealth Strategies Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, institutional, corporate, and charitable clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with diverse program structures and custodial relationships.

John Massoglia is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 34 years of industry experience. He has been with LPL Financial since 2011. In addition to advisory services, he is involved in tax preparation, accounting, and bookkeeping through Massoglia Tax Services and provides non-variable insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing various model portfolios and research resources.

Brent Richards is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial and Independent Financial Advisors since 2012. Richards holds Series 63 and Series 66 credentials. 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 offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Lucas Chase is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Raymond James Financial Service Advisors Inc., he worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and state and municipal government entities. The firm offers customized advisory solutions, including a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and specialized municipal and public finance services.

Deborah Dilloway is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds the Series 66 designation and previously worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and public entities, and is known for its integrated municipal and public finance capabilities.

Travis Smith is a financial advisor with LPL Financial in Livonia, MI, holding Series 63 and Series 66 licenses and six years of industry experience. He previously worked at Ameriprise and The Huntington Investment Company. In addition to his advisory role, he is a commissioned notary in his local community. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and a variety of management approaches.