Richard Smith is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leads a Forbes "Best-in-State Wealth Management Team." He works with individuals, families, and businesses to achieve their financial goals through in-depth financial planning, tax mitigation, strategic portfolio management, and personalized guidance tailored to today's dynamic markets. Richard also serves as a Retirement Benefits Consultant, assisting business owners and companies with the design, implementation, and management of 401(k) plans aligned with organizational objectives and employee financial well-being. Richard began his financial services career in 2008, motivated by his commitment to small business owners and his business acumen, enabling him to guide sophisticated clients through comprehensive wealth management. He holds a Bachelor's Degree from Western Michigan University and maintains several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Additionally, Richard retains licenses as a residential and commercial mortgage loan originator and REALTOR®. Beyond his professional endeavors, Richard resides in Grosse Pointe Farms with his wife and daughters. He is actively involved in his community, coaching varsity baseball at Grosse Pointe South High School, serving on the board of the Grosse Pointe Farms Parks & Harbor Committee, and acting as Commodore of the Grosse Pointe Farms Boat Club. His community involvement extends to volunteering and fundraising for organizations such as Motor City Blight Busters and St. Jude Children's Research Hospital. In his personal 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 with Raymond James Financial in Northville, MI, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience and has been with Raymond James Financial since 2009. In addition to his advisory role, Lowery serves as Treasurer and board member of the Northville Historical Society. He also owns and operates Scott Lowery, CPA, PC, an accounting firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm employs tailored, non-discretionary planning using risk profiling and analytical modeling, and it supports a broad advisor network with specialized municipal and public finance services.

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 ChFC® credentialed financial advisor with 19 years of industry experience. He has been with Raymond James & Associates since 2021, following seven years at TIAA-CREF. Outside of his advisory role, he is a board member of the York Meadows Homeowner's Association. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning and investment consulting through a range of portfolio management strategies and institutional services.

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.

Donald Nadeau is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Raymond James since 1999 and also maintains a longstanding association with Roney & Co. since 1988. Outside of his advisory roles, he is a partner in Brothers 4 LLC, a limited liability company. Raymond James & Associates 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, institutions, and municipalities, offering financial planning and advisory services with a range of portfolio management styles.

Cortney Cook is a financial advisor at Robert W. Baird & Co. in Birmingham, MI, holding Series 63 and Series 65 credentials with 13 years of industry experience. She has been with Robert W. Baird & Co. since 2016. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a comprehensive range of financial planning, portfolio management, and advisory services, supported by internal research and tools including artificial intelligence.

Ngufor Hilari is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Bank of America and Merrill for four years. Outside of his advisory role, he is an officer of Hailey Cameron LLC, a real estate business based in West Bloomfield, Michigan. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm employs a structured planning process supported by proprietary tools and emphasizes advisory roles without providing individual security recommendations as part of standalone planning.

Eric Eggen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank in various roles since 2011, with brief prior experience at Citizens Bank and Citizens Securities. 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Matthew Vermillion is a financial advisor with LPL Financial who holds a Series 66 designation and has nine years of industry experience. Prior to joining LPL Financial in 2025, he worked at DFCU Financial and CUSO Financial Services, among other firms. His background also includes experience outside finance, such as roles at Owl's Nest Resort & Golf Club and Gooseworks. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with support from proprietary research and third-party subadvisors.