Charles Dennis is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds the Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Nicholas Patterson is a CFP® professional with seven years of industry experience, currently serving at Mass Mutual Investors Services since 2020. His prior work includes roles at Cambridge Investment Research and in automotive and fluid power industries. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, offering collaborative, annual planning engagements that utilize firm-approved analytical tools and focus on investment strategy recommendations.

Lauren Kosten is a financial advisor with Morgan Stanley in Belmont, MI, holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and employer-sponsored financial planning agreements.

Michael Reinhard is a financial advisor with J.P. Morgan Securities in Farmington Hills, MI. He holds Series 63 and Series 66 designations and has 17 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael Boren is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Northwestern Mutual in various roles from 2015 to 2019. Boren has been with Merrill and Bank of America since 2019. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Angel Mcfarland is a financial advisor at Thrivent Investment Management with two years of industry experience. Mcfarland holds a Series 66 designation and previously worked at UWM and the Michigan Department of Transportation. Outside of advising, Mcfarland also works as an Uber driver. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers comprehensive, goal-based planning across various financial topics, delivering recommendations without implementation, and allows clients to integrate planning with managed accounts under a consolidated billing option.

Shahriar Faraji is a financial advisor with LPL Financial in Lathrup Village, MI, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at Michigan First Credit Union, Bank of Ann Arbor, Inland Securities Corporation, and TD Ameritrade. Outside of financial services, he has worked as a restaurant server at IHOP. 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 discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

Jordan Fujarski is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 66 and Series 63 licenses and five years of industry experience. His career includes roles at Northwestern Mutual and Morgan Stanley Private Bank, N.A. Prior to entering financial services, he held positions outside the industry, including with Extravagante Valet and Shores Car Care. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and modeling techniques.

Joseph Hubert is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 22 years of industry experience. He has been with UBS Financial Services since 1993. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Neeta Singh is a financial advisor with Ameriprise in West Bloomfield, MI, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and has concurrently worked at Lord & Taylor since 1992. Singh is also a member of HSFA LLC, a non-investment-related business. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Chad Rollins is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors since 2014 and holds Series 63 and Series 65 registrations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, with recommendations developed using Wells Fargo research and planning tools.

Stephanie Kerr is a financial advisor with Raymond James & Associates in Huntington Woods, MI. She holds Series 63 and Series 66 licenses and has 15 years of industry experience. Her career at Raymond James spans multiple affiliated entities since 2016. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and government entities. The firm offers wealth advisory planning and investment consulting through non-discretionary services, with notable involvement in municipal and public finance and an extensive affiliate network supporting integrated custody and product sourcing.

Laura Herfy is a financial advisor with Charles Schwab in Birmingham, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at Empower Financial Services and Thrivent Financial, including Thrivent Investment Management. Outside of her advisory role, she serves as CEO of People of Impact, a nonprofit organization focused on leadership and support for veterans. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a centralized approach to custody, brokerage, and investment guidance.

Joshua Mrozowski is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Willie Herbert Jr. is a financial advisor with Primerica Advisors in Farmington Hills, MI, holding Series 65 and Series 63 designations and over 26 years of industry experience. He has been associated with Pfs Investments Inc. and Primerica Financial Services since 1999. In addition to his advisory role, he is involved in the sale of home loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm delivers advisory services through a large network of advisors using model-driven strategies managed by third-party asset managers.

Duane Garth is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His career includes roles at Summit Financial Group Inc and Cetera Wealth Services, LLC. Outside of advising, he co-founded a ministry focused on financial unity for couples, serves on several nonprofit boards including for the City of Southfield and Ashland Theological Seminary Foundation, and teaches as an adjunct professor at the University of Detroit Mercy. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment options and program structures, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Peter Gianopoulos is a financial advisor at OSAIC Wealth, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2018, following 17 years at John Hancock Insurance/Signator Investors. Outside of his advisory role, he is president of several entities offering fixed insurance and annuity products. OSAIC Wealth, Inc. serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Adam Partridge is a financial advisor with Merrill in Royal Oak, MI, holding Series 66 and Series 63 licenses and seven years of industry experience. He previously worked at JP Morgan Chase for 17 years and held positions at Benzinga and Lazio Search Group before joining Merrill and Bank of America in 2025. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jack Kloka is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Securities America, Inc., Flexible Plan Investments, Ltd., General Nutrition Center, and Warren Screw Products. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custody and supervisory arrangements.

Lisa Hite is a financial advisor at LPL Financial in Canton, MI, holding a Series 66 designation and with two years of industry experience. She has been affiliated with Community Financial Credit Union since 2001, combining over two decades of experience in the financial sector. 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 range of advisory programs, financial planning services, and retirement plan consulting, providing both discretionary and non-discretionary management supported by proprietary and third-party research.