Tonya Dalton is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to support client goals.

Thomas Wloch is a financial advisor at OSAIC with 15 years of industry experience. He previously worked at Hantz Financial Services for 12 years before joining OSAIC in 2022. Outside of his advisory role, he is involved in managing a tax credit firm and holds financial power of attorney and trustee responsibilities for his parents. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with customizable strategies and supports a wide range of financial planning and portfolio management programs.

Sean Lehman is a financial advisor with Charles Schwab & Co., Inc. in Detroit, Michigan, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Schwab in 2023, he worked in various roles including at Griffin Claw Brewing Company and the United States Postal Service. 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 employs a primarily non-discretionary client relationship model complemented by access to discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Craig Harris is a Wealth Management Advisor at Merrill Lynch Wealth Management, leading a team dedicated to guiding clients through their financial lives using a goals-based planning approach. He focuses on tailoring strategies based on clients' risk tolerance, time frames, and the tax implications impacting their goals. With over 30 years of experience, Craig advises clients on wealth accumulation, preservation, and transfer through customized wealth management strategies. His expertise encompasses portfolio development, liability management, asset preservation, and ensuring a predictable lifetime income stream during retirement. Business clients benefit from his guidance on cash management strategies, employee benefit plans, and financing needs. His team also provides access to specialists in premier banking, insurance and estate planning, and retirement plan development. Craig began his career in financial services in 1992 and joined Merrill Lynch in 1994. He holds a Bachelor's Degree from Miami University in Oxford, Ohio. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Craig and his wife Kimberly have three children. He participates in community volunteering and enjoys golfing, running, spending time with family, and traveling.

James Thorpe is a CFP® professional with 27 years of industry experience, currently serving at Ameriprise since 2005 in various capacities. He is the sole owner of Jim Thorpe LLC, a business managing cash flow and expenses. Thorpe holds leadership roles in local organizations, including Vice President of the Dearborn Library Foundation and President Elect of the Rotary Club of Dearborn, and contributes to the Dearborn Area Chamber of Commerce Finance Committee. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations through a centralized consulting team.

John Rowan is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior work includes roles at HSBC Securities (USA) Inc. and Chase Investment Services Corp. before joining Ameriprise in 2008. 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 tailored, tax-aware retirement income planning through written Recommendation Reports and ongoing advice.

Michael Sanfield is a Wealth Management Advisor with Merrill Lynch Wealth Management, operating a practice in Farmington Hills for over four decades. He works as part of a team that includes his daughter Carly and client associates Catherine Beattie and Leeanna Hempstead. In his current role, he focuses on offering a comprehensive approach to managing wealth, which begins with understanding clients and their families, financial situations, and priorities. He helps clients create customized wealth management strategies that are adaptable to their changing needs and market conditions, providing access to the investment insights of Merrill and the banking convenience of Bank of America. Michael's areas of expertise include services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. His approach emphasizes delivering service and helping investors pursue their long-term goals. He holds a Bachelor's Degree from Michigan State University and has earned the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Michael also engages in community participation, dedicating time to volunteering with local organizations. Outside of work, he enjoys golfing, reading, spending time with his family, and playing tennis.

Carrie Barr is a financial advisor at Ameriprise with 17 years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2006. Outside of her advisory role, she owns and operates Churchyard Bodywork LLC, a massage therapy business in Oak Park, MI. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations.

Robert McMahon III is a CFP® certificant with 13 years of experience in the financial industry. He is currently affiliated with LPL Financial and has previously held roles at DFCU Financial, CUSO Financial Services, and several other firms. McMahon operates out of Novi, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services.

Andrew Baldwin is a financial advisor with LPL Financial in Northville, MI, holding the Series 66 designation and nine years of industry experience. He previously worked at Voya Financial Advisors and has operated Baldwin Capital Management for ten years. Outside of his advisory work, Baldwin is involved with Fora Travel, a home-based non-investment related business. LPL Financial provides advisory and brokerage services through a large network of investment adviser representatives, serving individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by various advisor tools and a broad platform of non-advisory financial services.

Steve Nazoyan is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Cetera Wealth Services, Wealth Strategies Financial Group, Minnesota Life Insurance Co, Securian Financial Services Inc, and Sii. He is also involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services across multiple program structures and custodial relationships.

Erik Bloomfield is a financial advisor with OSAIC based in Dearborn, MI, holding the ChFC® designation and Series 63 and 66 licenses. He has 16 years of industry experience, including prior roles at Advisor Group, Mass Mutual Investors Services, Massmutual Life Insurance Co, and Thrivent Investment Management. Outside of his advisory work, Bloomfield manages a business that facilitates NICS background checks for firearm purchases and provides consulting on shareholder buyouts for small privately held businesses. OSAIC serves a diverse client base, including retail and institutional investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services through a multi-advisor platform, featuring model-based asset allocation, portfolio optimization, and various managed account options supported by proprietary tools and third-party managers.

Brandon Slater is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. His prior experience includes a role at CitiGroup Global Markets INC beginning in 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Michael King is a CFP® professional with 34 years of experience in the financial services industry. He is currently with LPL Financial and previously worked for Ameriprise Financial Services in various capacities from 2009 to 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Julius Porter is a financial advisor at Cetera with 12 years of industry experience. He holds the Series 66 designation and has held roles at Avantax, Edward Jones, and Ohio National Life Insurance Company, among others. Porter also provides tax preparation and accounting services through his own firm, J.R. Financial Services LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Dale Glick is a financial advisor at OSAIC with the designations ChFC® and Series 63, bringing 49 years of industry experience. He has worked at OSAIC since 2018, following seven years at Jhfn Sii and one year at Osaic FA, Inc. Outside of his advisory role, he is involved in the sales and marketing of fixed annuities, non-variable insurance, securities, and investment advisory products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, utilizing various tools and third-party managers to deliver customized solutions.

Anthony Atrasz is a CFP® and ChFC® with 17 years of experience in the financial services industry. He is currently with LPL Financial, having joined in 2023, and has previously worked at Mariner Wealth Advisors, Mainstay Capital Management, Fidelity, and Ferris, Baker Watts. In addition to his advisory role, he has outside employment with Corewell Health and Schoolcraft College. 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 financial planning and investment management services, including access to model portfolios and third-party asset managers, supported by technology tools to aid advisors.

Krystal Burns is a Series 66-licensed financial advisor with 15 years of industry experience. She is associated with Merrill and has held roles at Bank of America, N.A. since 2015 and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Sierra Ford is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Sierra worked at Bank of America and JP Morgan Chase. Outside of professional activities, Sierra serves as assistant treasurer and a finance committee member for the Seventh-Day Adventist Church in Ypsilanti, Michigan. 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 institutional investors.

Derek Ross is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at LPL Financial since 2022 and previously spent over 17 years with Cambridge Investment Research Advisors. Outside of finance, he serves as a part-time shipping director for Fluff & Tuff. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of advisors with model portfolios, third-party asset management, and institutional platforms, managing over $819 billion in discretionary assets.