Akinwale Adebayo is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill for eight years before joining J.P. Morgan Securities in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Randi Levy is a financial advisor with UBS Financial Services in Troy, MI, holding a Series 66 designation and 16 years of industry experience. She has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services through a broad platform that includes proprietary research, capital markets services, and affiliated banking programs.

Renate Nebel Bernard is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera Advisors LLC since 2013. In addition to her advisory work, she owns and manages 4 B Pretzels LLC, a wholesale and retail pretzel business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Mark Drouillard is a CFP® with 33 years of experience in the financial industry. He is currently with Osaic and has previously worked at Securities America Advisors and Ameriprise Financial Services. Outside of his advisory role, he is president of Patrick Henry, Inc., a business advisory firm focused on mergers and acquisitions, private equity, and business coaching. He also manages his financial planning firm's operations through Drouillard Group, Inc. Osaic Wealth serves a wide range of clients, including retail investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing various investment program options supported by affiliated broker-dealer and RIA relationships.

Spencer Schmale is a financial advisor with Osaic Wealth Inc., holding a Series 66 license and 11 years of industry experience. He worked at Wells Fargo Advisors for nine years before joining Osaic in 2023. Schmale is also the owner of Spencer Schmale Financial, LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that incorporate model-based asset allocation, portfolio optimization, and various managed account strategies.

Valentine Koch is a CFP® professional with six years of industry experience, currently affiliated with Morgan Stanley in Rochester, MI. His prior experience includes roles at Raymond James & Associates Inc. and the University of Michigan Ross School of Business. Morgan Stanley Wealth Management serves individual and institutional clients by providing comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and integrates broad investment offerings through its Financial Advisors and Estate Planning Strategies Group.

James Mclellan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 45 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Cetera Advisors LLC from 2014 to 2020. He is also president of Silverbell Group, a financial services business through which he manages business expenses and staff. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered in collaboration with advisors like Mclellan.

Iuliana Keyes is a financial advisor at OSAIC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at OSAIC since 2009, with additional experience at Vim Capital and Thomas Financial Group. Outside of her advisory work, she serves on the board of FernCare Free Clinic, a nonprofit that provides free healthcare to uninsured individuals. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach involves model-based asset allocation, portfolio optimization, and access to discretionary and third-party managed strategies.

Alvin Hayes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2017, following prior experience at Jpmorgan Chase Bank and Colling Homes Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and may include ESG considerations.

Michelle Harm is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC., Hornor, Townsend & Kent, Inc., and Penn Mutual Life Insurance Company. Outside of her advisory work, she serves as Vice President on the board of the Suburban Connection Charter Chapter, a nonprofit organization. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers a range of financial planning, consulting, and insurance products.

Andrew Goodrich is a financial advisor with LPL Financial based in Rochester, MI. He holds a Series 66 designation and has recently begun his advisory career. Prior to this, he played football at the University of Michigan. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of investment adviser representatives.

Stephanie Rea-Ianni is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2023. In her current position, she leads, coaches, and develops a team of consultants and financial professionals to support clients in overall planning and guidance aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2021 to 2023, Planning Consultant from 2020 to 2021, and Senior Relationship Manager from 2015 to 2020, all within Fidelity Investments. Her career at Fidelity demonstrates a progressive advancement through leadership and client-focused roles within the firm.

Lyle Schonberger is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Ameriprise Financial Services from 2009 to 2024. He is also involved in estate planning through Lylac Estate Planning LLC, a separate business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Timothy Daly is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he has been involved with Saginaw Valley Sports Performance, LLC for over 20 years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, typically using model-driven investment approaches and offering access to third-party asset managers and wrap programs.

Louis Messina is a CFP® professional with nine years of experience in financial advising. He is currently with Cetera and has prior experience at Voya Financial Advisors and Baron Wealth Management. Messina is involved in educational content development through Horizon Adviser University and owns a business focused on expense management. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts, offering a multi-manager platform with a variety of portfolio management and consulting services.

Steve Juncaj is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers customized, non-discretionary investment advice supported by centralized due diligence and incorporates both quantitative and qualitative research in its asset allocation recommendations.

Richard Boschert is a financial advisor with Ameriprise Financial Services LLC in Troy, MI, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Merrill, Morgan Stanley, and PNC Wealth Management, among others. Outside of advisory work, he is a master partner in CYA Cover Your Asphalt LLC, an asphalt repair and maintenance business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Daniel Murfey is a financial advisor at Edward Jones in Rochester, MI, with nine years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Timothy Brice is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. He is based in Birmingham, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm’s financial planning utilizes structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Joseph Abro is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and eight years of industry experience. He has been with Raymond James since 2017 and also operates the Joe Abro Law Group. Outside of his advisory role, Abro works as an independent contractor for athletic organizations including the Great Lakes Intercollegiate Athletic Conference and the Michigan High School Athletic Association. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public finance work through its affiliation with a municipal advisor.