Daniel Schloff is a financial advisor with J.P. Morgan Securities in Northville, MI, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Jpmorgan Chase Bank, N.A. from 2007 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG eligibility frameworks, and includes broader derivatives and commodities capabilities.

Jacob Peters is a Series 66 registered financial advisor with seven years of industry experience. He is currently with Osaic and previously worked at Edward Jones and Goldman Advisors Group. Outside of his advisory roles, he is involved as a wealth management advisor at Michigan Financial Companies. 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 centers on model-based asset allocation and portfolio optimization, utilizing tools like risk-tolerance questionnaires and efficient frontier analysis, with access to discretionary and third-party managed strategies.

Craig Snyder is a financial advisor with LPL Financial based in Southfield, MI, holding the CFP® designation and Series 63 and 65 licenses. He has 44 years of industry experience, including over two decades with LPL Financial and more than a decade at America Group. Outside of his advisory work, he is the owner of Last Chance Partners LLC, an entity created to purchase cryptocurrency. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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.

Ralph Vidusic is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Crown Capital Securities, L.P. for 24 years. He is based in Livonia, 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 various financial planning and investment management services delivered through a broad network of investment adviser representatives.

Robert Jacob is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has held leadership roles in consulting and accounting businesses, including serving as CEO of Direct Consulting One, LLC and president of REJ's Accounting and Tax Services Inc. Additionally, he serves as a scribe for the Knights of Columbus 4th degree assembly in Lincoln Park, Michigan. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm operates a multi-manager platform with a range of program structures and custodial relationships, managing over $256 billion in assets.

Thomas Marzonie is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, following a 15-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes firm-approved tools and methodologies to support client goals.

Richard Gurchak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, where he worked from 2009 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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 among its investment offerings.

Shannon Craggs is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, Craggs spent 14 years at Shorewood Installations LLC. 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 supported by firm-approved tools and a structured discovery process.

James Hern is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2018, with prior roles at Sii and MSI Financial Services, Inc. Hern is also a minority shareholder and Vice President of Michigan Financial Companies, Inc., where he is involved in the sales and marketing of fixed annuities, securities, and investment advisory products. Additionally, he serves as a non-voting board member of Beals, Caruana & McVety Wealth Strategies in a fixed product capacity. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and various managed account strategies, supported by a complex affiliate network and private-equity ownership.

Stephen Nofs is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management. With more than 25 years of experience, he specializes in serving high-net-worth and ultra-high-net-worth individuals, families, and business owners. Stephen focuses on providing wealth management strategies aligned with clients' short-term and long-term objectives, including liquidity management, managing new wealth, personal retirement planning, portfolio management, and tax minimization. Stephen holds several professional designations including Certified Private Wealth Advisor (CPWA), Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). He is registered with multiple FINRA registrations and holds life insurance licenses. Stephen works closely with research analysts and portfolio managers to provide investment leadership based on strategic and tactical asset allocation and portfolio construction within a goals-based investing framework. He earned a Bachelor of Science degree from Eastern Michigan University on a four-year football scholarship and served ten years in the Department of Justice, including roles as a lead firearms instructor and member of Special Operations Response Teams. He later obtained a Master of Business Administration from the University of Phoenix. Outside of work, Stephen enjoys boating, football, music, reading, running, traveling, and spending time with his family.

Jennifer Justice is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 15 years of industry experience. Her career includes multiple roles within J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities through its regulatory registrations and affiliations.

Michael Karam IV is a financial advisor with OSAIC, holding a Series 66 designation and five years of industry experience. He has worked at Royal Alliance since 2021 and has held several roles at United Parcel Service and Matick Toyota. Outside of his advisory work, he is involved with Michigan Financial Companies as a financial planner. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation, portfolio optimization, and a variety of managed account strategies.

Carter De Long is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Equitable Advisors, LLC, and Bank of America. Outside of his advisory work, he serves as a trustee of his parents' estate. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Richard Welsh is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines in Novi, MI. He has worked with the firm and its predecessors since 2012, including Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term investment approach across various account types.

Kevin Krym is a financial advisor with Raymond James Financial in Livonia, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James since 2002, including 17 years at its current incarnation, and also owns Krym Investment Services, LLC. Outside of his advisory role, Krym serves as an agent for GBU Financial Life, which promotes German cultural activities and community involvement while offering fixed annuities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors and specialized programs.

Jennifer Marlow is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works with clients to identify and achieve their financial goals by creating plans tailored to their specific situations. Jennifer is part of a team focused on building long-term relationships with high-net-worth individuals, families, and business owners. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Central Michigan University. Jennifer's approach centers on designing strategies that help clients turn their goals into reality, considering their personal perspectives and priorities throughout the process.

Lawrence Zebko is a financial advisor at Raymond James & Associates with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Raymond James & Associates since 2000. 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, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Frank Lewis II is a financial advisor at Merrill with 35 years of industry experience. He has held positions at Merrill since 1991 and has also been affiliated with Bank of America, N.A. since 2011. Lewis holds Series 63 and Series 66 licenses. He serves as a trustee for several trusts, including a not-for-profit trust and investment-related fiduciary roles. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing both model-based and discretionary investment strategies primarily for individuals, high-net-worth clients, and institutional investors.

Jeffrey Bearance is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Royal Alliance Associates, Inc. and John Hancock Life Insurance Company. Outside of his advisory role, he is a co-founder of Elizabeth's Closet, a nonprofit focused on fundraising and community support. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation, portfolio optimization, and a range of managed account strategies supported by various proprietary tools and third-party managers.

Mason Dado is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and PwC. Outside of advising, he works as a real estate agent involved in buying and selling homes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program structures.