Brett Bernard is a financial advisor at Charles Schwab with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and its affiliated entities since 2013, as well as at TD Ameritrade from 2021 to 2024. Bernard is a member of the investment committee for First United Methodist Church in Birmingham, MI, though he has not yet begun serving in this role. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a structured investment process supported by centralized custody and operational integration.

David Deuel is a financial advisor at OSAIC with 34 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he spent 12 years at Woodbury Financial Services, Inc. He also operates Deuel Financial Group, a sole proprietorship offering sales and service of life, health, and disability insurance as well as securities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of advisors and multiple platforms. The firm combines brokerage and advisory services with financial planning and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct portfolios across various asset classes.

Joseph Candela III is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2019, following prior roles at JPMorgan Chase Bank NA and JP Morgan Securities LLC from 2015 to 2019. Charles Schwab & Co., Inc. serves a large client base, 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Michael Graziani is a financial advisor with RBC Capital Markets in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He previously worked at UBS Financial Services for nine years and has been with RBC Capital Markets and City National Bank since 2020. Outside of his advisory role, he is involved with The Detroit Athletic Club as a social and athletic member and may serve as chairman of its bowling league. RBC Wealth Management serves individual and institutional clients with tailored investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services through a range of advisory programs.

Peter Shunyia is a financial advisor with LPL Financial in Troy, MI, holding a Series 66 designation and bringing 24 years of industry experience. He previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. from 2011 to 2021. Outside of his advisory role, he is involved with TRI-COUNTY PREFERRED REALTY, a real estate rental business in Rochester Hills, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations through its national network of investment adviser representatives. The firm provides various advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Zachary Goldman is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63, Series 66, and Series 65 licenses and bringing 18 years of industry experience. His career includes 13 years at J.P. Morgan Securities and 16 years at J.P. Morgan Chase Bank prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes that incorporate firm-approved tools and models such as Monte Carlo simulations.

Stuart Solomon is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services backed by extensive research and firm-approved tools.

Evan Gerrard is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Huntington Bank, and TCF Bank. 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 individual, high-net-worth, and institutional clients.

Kody Seibold is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Michigan School and Government Credit Union and LPL Financial since 2013. 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 advisers. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

James Bertrand is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Scott Bennett is a CFP® with 38 years of industry experience, currently affiliated with Raymond James & Associates in Birmingham, MI. He previously worked at UBS Financial Services Inc for 11 years before joining Raymond James. Bennett serves as a board member and finance/investment committee member for the Catholic Foundation of Michigan. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, advisory programs, and institutional consulting with a variety of portfolio management styles and affiliated research.

John Sicklesteel is a Certified Financial Planner (CFP®) with 28 years of industry experience, including 26 years at UBS Financial Services in Birmingham, MI. He holds Series 63 and Series 65 licenses and has spent his entire recent career with UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Alec Wycoff is a financial advisor at LPL Financial with two years of industry experience. He holds the CFP® designation and the Series 66 license. His work background includes multiple roles at LPL Financial and prior positions connected to Michigan State University and other organizations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Jeffrey Roe is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has been associated with LPL Financial since 2009. Jeffrey also operates JDR Wealth Management, LLC, his own advisory practice. 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 representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Paige Mason is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and totaling 10 years of industry experience. She has been with Merrill since 2017 and previously worked at Hennes & Mauritz (H&M) for one year. Merrill 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.

Jeffrey Arnott is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jacob Short is a financial advisor at Charles Schwab in Troy, MI, holding a Series 66 designation with less than one year of industry experience. His prior work includes roles at Tiaa, as well as entrepreneurial ventures such as Shade Cloth Store LLC and Modern Media Tech. He also has a background in full-time education spanning a decade. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment services supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Frank Migliazzo is a Private Wealth Advisor and the Chairman of MKG & Associates, a private wealth management team. He provides strategic direction and investment policy for the team, which consists of 14 wealth management professionals. With a career at Merrill starting in 1979, Frank has experienced various market cycles and economic conditions, allowing him to apply knowledge and judgment in creating investment portfolios responsive to differing market environments. Frank holds a bachelor's degree from Western Michigan University and an MBA from the University of Detroit Mercy. He is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Certified Investment Management Analyst® designation sponsored by the Investments & Wealth Institute™ at the Wharton School. He is also a member of Kingdom Advisors and among a select group of advisors nationally designated as Merrill Institutional Consultants. Beyond his professional work, Frank serves on the boards of the Boys & Girls Club of Southeastern Michigan, Manresa Jesuit Retreat House, the Catholic Foundation of Michigan, and the Pope Francis Center. He resides in Bloomfield Hills, Michigan with his wife Gail and their three children Katie, Joey, and Lauren. His personal interests include golfing, running, and spending time with his family.

Jeramey Lynch is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with J.P. Morgan Securities since 2009. Outside of his advisory role, Lynch is the sole proprietor and investor of TINPB LLC, a multi-family residential real estate business managed by a third party. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Daniel Paulson is a financial advisor with Robert W. Baird & Co. in Birmingham, MI, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Robert W. Baird & Co., Inc. since 2001. Outside of his advisory role, he serves as a board member on the Schoolcraft Foundation Board of Governors, participating on the Finance Committee. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The team provides tailored consulting and portfolio services, employing a range of investment strategies and management approaches to meet client goals and risk tolerances.