Brendan Dunleavy is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Signator Investors/John Hancock for 14 years. Dunleavy serves on the boards of a charitable organization managed by the Michigan Department of Human Services and the Irish Network Detroit. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses asset-allocation tools, risk questionnaires, and automated rebalancing to construct diversified portfolios tailored to client preferences.

Rivaldo Tobia is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and eMortgageFunding LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to offer customized advice and performance reporting. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Kurt Ebel is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with Cetera and its affiliate since 2019 and previously spent 12 years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Brian Guillery is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cambridge since 2019 and previously worked at FSC Securities from 2011 to 2019. Outside of advisory activities, he is an independent insurance agent representing various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Charles Pass is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and nine years of industry experience. Before joining LPL Financial in 2018, he worked at NYLIFE Securities LLC and New York Life Insurance Company from 2016 to 2018, and had a brief tenure in construction with Erie Construction in 2016. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Richard Smith is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management. He leads a Forbes "Best-in-State Wealth Management Team," specializing in comprehensive financial planning, tax mitigation, strategic portfolio management, and personalized guidance for individuals, families, and businesses. Richard also serves as a Retirement Benefits Consultant, assisting business owners and companies in designing and managing 401(k) plans tailored to organizational objectives. Richard's expertise encompasses college education planning, corporate benefits, executive compensation, retirement income, tax minimization, and small business strategies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degrees from Western Michigan University. Residing in Grosse Pointe Farms, Richard is actively involved in his community. He coaches varsity baseball at Grosse Pointe South High School, serves on the board of the Grosse Pointe Farms Parks & Harbor Committee, and is the Commodore of the Grosse Pointe Farms Boat Club. Additionally, he participates in organizations such as the Motor City Blight Busters and St. Jude Children's Research Hospital. In his spare time, he enjoys golfing, playing guitar, fishing, and traveling with his family.

Cheryl McGown is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 26 years of industry experience. She previously worked at J.P. Morgan Securities for five years and has owned a trucking company since 2013. McGown is also involved as an independent insurance agent and serves as a committee member in a business networking organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

David Lenda is a ChFC® and Series 63 credentialed advisor with 33 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and also maintains roles with multiple financial and insurance-related firms. Lenda is a member of the HR PI Networking Group in Farmington Hills, MI. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm offers a variety of investment implementation options, including proprietary and third-party strategies, tailored to client objectives.

Meggison Mitchell is a financial advisor at Morgan Stanley with a Series 66 credential and less than one year of industry experience. Prior to joining Morgan Stanley, Mitchell held roles at Bank of America, Merrill, and Hantz Financial Services, and has experience in various sectors including hospitality with Luxe Bar & Grill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, focusing on structured financial planning supported by firm-approved tools and models.

Scott Lowery is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Prior to his current role, he has been involved in independent insurance sales and has operated his own CPA firm since 1978. He serves as Treasurer and Board Member of the Northville Historical Society. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored advice supported by firm research and a broad affiliate network.

Todd Cousino is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked previously at Ameriprise and National Planning Corporation. Outside of his advisory role, he is involved in real estate through property rental and flipping ventures. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services. The firm provides discretionary and non-discretionary management, model portfolios, and utilizes research from multiple sources, supporting diversified and alternative investment strategies.

Jonathan Saffiedine is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Dawn Myers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, Myers serves as a power of attorney and representative payee for her son. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Daniel Bolda is a CFP® professional with 40 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and previously spent ten years with Michigan Pension and Financial Inc. and Commonwealth Financial Network. Bolda is also the owner of Michigan Pension & Financial Inc., where he serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using a range of portfolio strategies and platform arrangements.

Pedro Delgado is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones in Southfield, MI. He has been with Edward Jones since 2015, with a brief period of unemployment in 2017. Outside of his advisory role, Delgado owns and operates Skyle Deals LLC, an e-commerce business focused on purchasing and reselling merchandise from local stores. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets and provides 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.

Ellaina Dibenedetto is a Wealth Management Advisor at Merrill Lynch Wealth Management. She is part of the Carmody-Turner Group, which provides customized wealth management and planning strategies to select clients, families, and organizations across the United States. The team focuses on connecting all aspects of clients' financial lives to help prioritize and pursue the goals that matter most to them, offering personalized service combined with the investment insights of Merrill and banking convenience of Bank of America. Clients typically served include physicians, serial entrepreneurs, college coaches, small business owners, executives, and other high-net-worth individuals and their families. The group works with clients face-to-face or virtually, depending on geographical and time constraints, to develop individualized plans aimed at achieving clients' financial goals with an emphasis on balancing risk and long-term success. Ellaina holds a bachelor's degree and a Master of Business Administration from Western Illinois University. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Sports & Entertainment Accredited Wealth Management Advisor™ designation. She actively contributes to the community through involvement with the Western Illinois University Foundation Board, Father's and Families Support Center, and the United Way Charmaine Chapman Society, and coaches youth sports within the Parkway West and Parkway-Rockwood school districts.

Cynthia Balkwell is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. She previously worked at Metlife Securities and Massachusetts Mutual Life Insurance Company. Outside of her advisory role, she has served as an elections inspector and precinct chairperson in Davisburg, Michigan since 2003. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools and a range of investment and planning programs.

William Burmeister is a financial advisor with Raymond James & Associates in Saline, MI, holding the ChFC® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including seven years at TIAA-CREF prior to joining Raymond James in 2021. He serves as a board member of his local homeowner's association. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory programs.

Sean Moran is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a director and member of the executive committee for The Parade Company, where he contributes to idea generation for new sponsors and advertising and organizes the Thanksgiving Day Parade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to model outcomes for clients.

Joshua Riga is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC over the past 17 years before joining Wells Fargo Clearing in 2025. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.