Frank Lewis II is a financial advisor at Merrill with 35 years of industry experience. He has held positions at Merrill since 1991 and has also been affiliated with Bank of America, N.A. since 2011. Lewis holds Series 63 and Series 66 licenses. He serves as a trustee for several trusts, including a not-for-profit trust and investment-related fiduciary roles. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing both model-based and discretionary investment strategies primarily for individuals, high-net-worth clients, and institutional investors.

Mason Dado is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and PwC. Outside of advising, he works as a real estate agent involved in buying and selling homes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program structures.

Nicholas Bonn is a CFP® with 23 years of experience in the financial industry and has been with Raymond James Financial since 2010. He is the owner and officer of multiple businesses, including Bonn Capital, Inc. and Center Street Wealth Strategies, and is also a partner in CSWS Realty LLC, which manages the building housing his practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and consulting, leveraging analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Damon Portwood is a financial advisor with Ameriprise in Saline, MI, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement advice, with a focus on assets held in Ameriprise Managed Accounts.

Paul Elliott is a CFP® professional with 23 years of industry experience, currently affiliated with J.P. Morgan Securities in Farmington Hills, MI. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory approach emphasizes non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a focus on eligible strategies that may include an ESG eligibility framework.

Deborah Leek is a financial advisor at Edward Jones in Brighton, MI, holding a Series 66 designation with 18 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a variety of discretionary and non-discretionary investment strategies and affiliated investment products under a fiduciary standard.

John Krakowiak is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 65 and Series 66 licenses and 12 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016, and previously worked at DeRoy & Devereaux Private Investment Counsel, Inc. from 2010 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Catherine Beattie is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill since 1993. 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 individuals, high-net-worth clients, and institutions.

Timothy Farris is a financial advisor at Cetera with 34 years of industry experience. His career includes roles at Sigma Financial Corporation and Ameriprise, among others. Outside of his advisory work, he is a member of the West Bloomfield Chamber of Commerce and volunteers organizing social events and improving a local theatre. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various investment management programs and access to third-party money managers.

Daniel Baldwin is a financial advisor at LPL Financial with a Series 66 designation and four years of industry experience. His prior roles include positions at The Resource Group, Jackson National Life, and Lear Corporation. Baldwin also provides tax preparation and accounting services through Baldwin Capital Tax Services. 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 services, including financial planning, model portfolios, and access to third-party asset managers, supported by technology tools for operational and research purposes.

Paul Schultz is a financial advisor with Raymond James & Associates in Plymouth, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Raymond James & Associates since 2010 and served 13 years with the Garden City Soccer Club. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mark Karwaski is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding CFP® and Series 63 designations and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs supported by structured planning tools and the firm's Global Investment Committee.

Michael Rybka is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a part of the Kulhavi team for the past seven years, bringing over 25 years of experience in the financial services industry since beginning his career at Merrill in 1992. Michael specializes in wealth management for high-net-worth individuals and families, offering a comprehensive, goals-based approach that extends beyond portfolio management to include investment, financial, estate, tax, and liability planning. He also works with small and mid-size companies to develop customized retirement benefit programs, including 401(k) plans that meet regulatory requirements and address the needs of both employers and employees. Michael holds a bachelor's degree from Wayne State University's Business School and holds multiple professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is an active member of the Catholic organization Legatus. Michael and his wife Maureen, both born and raised in Dearborn, Michigan, reside in Northville and attend Our Lady of Good Counsel in Plymouth. They have two children, Maggie and Alex, and two grandchildren. Michael enjoys golfing, running, and spending time with his family.

Sandra Duley is a financial advisor at Edward Jones in Plymouth, MI, holding Series 63 and Series 66 credentials with 23 years of industry experience. She has been with Edward Jones since 2007. 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 and managed solutions, operating under a fiduciary standard and is notable for its extensive nationwide network of advisors and branch offices.

Jessica Chiang is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Farmington Hills, MI. She has 11 years of industry experience, including prior roles at Morgan Stanley and various positions within JPMorgan Chase and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Colleen Cowles is a financial advisor with Edward Jones in Brighton, MI, holding a Series 66 designation and two years of industry experience. She previously spent ten years at Venture Academy before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds.

Joshua Elliott is a financial advisor with Merrill in Northville, MI, holding Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Fifth Third Bank, and Cornerstone Community Financial. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Logan Hugo is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked in education and at Farm Bureau Insurance of Michigan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Luke Youvon is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience at Sigma Financial, Amax Lending, Art Craft Display, and Walled Lake Northern High School. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and administrative support. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice based on investment research, third-party data, and algorithmic tools, focusing on dependable income sources and tax-aware withdrawal strategies.

Nicholas Sabo is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience with Equitable Advisors, LLC. Outside of his advisory role, he has worked in various positions including at Crunch Fitness and Pure Car Wash. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor-facing tools and a broad non-advisory financial services network.