Patricia Keller is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. She has been with Wells Fargo Clearing Services, LLC since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Lynn Habrowski is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and 22 years of industry experience. She has been with LPL Financial since 2004. Outside of her advisory role, she owns a diesel mechanic business in Imlay City, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party model portfolios and strategies.

Marie Everitt is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Cambridge Investment Research Advisors since 2013, following prior roles at Cetera Advisors LLC and Edward Jones. Outside of her advisory work, she is an independent insurance agent operating through Strategic Pathways LLC. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers clients access to multiple platforms, third-party advisers, and proprietary model strategies.

Jon Randall is a financial advisor at Stifel with 20 years of industry experience. He has held positions at Stifel since 2017 and previously worked at Morgan Stanley Private Bank. Randall serves on the development committee of Detroit Cristo Rey School and participates in fundraising and advisory roles for several community organizations, including the Detroit Athletic Club and the Al Fracassa Legacy Foundation. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and modeling from its Investment Strategy Group.

Mark Davis is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms, including Securities America Advisors and Haas Wealth Management Center LLC. In addition to advisory work, he assists a small number of clients with tax preparation and occasionally places life insurance and fixed annuity products. OSAIC serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation, portfolio optimization tools, and third-party manager programs.

Hunter Macwilliams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 11 years of industry experience. He has been with Raymond James since 2015 and concurrently associated with Meridian Health Plan since 2012. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mark Corbin is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James & Associates since 2015. 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, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kylie Davis is a financial advisor at OSAIC with one year of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining OSAIC in 2025, she worked at Tanglewood Golf Club and Central Michigan University. OSAIC serves a diverse range of retail and institutional clients using a multi-advisor platform that offers brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supported by various tools and third-party manager options.

Karen Katinas is a financial advisor at LPL Financial with 20 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and previously worked with JPMorgan Chase Bank, J.P. Morgan Securities, and Ameriprise Financial Services. Katinas is also a notary for Flagstar Bank N.A. 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, and institutional platforms, supported by extensive operational and research tools.

Nathaniel Michna is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he focuses on helping families grow their net worth and achieve their financial goals by creating personalized strategies tailored to each client’s unique situation. Nathaniel draws on his background in financial planning, insurance, and tax planning to assemble comprehensive financial plans that address a wide range of client priorities. Nathaniel began his financial services career in 2018 as a Planning Analyst, gaining hands-on experience in constructing financial plans that support families' long-term objectives. Over time, he expanded his expertise to include executive compensation, family wealth management strategies, liquidity management, retirement income, and tax minimization, among other areas. Nathaniel holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Wayne State University. Outside of his professional work, Nathaniel is involved with the Ann Arbor Soccer Association. His personal interests include adventure sports, basketball, camping, football, golfing, hiking, pickleball, soccer, spending time with family, and traveling.

Jacob Aymen is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020. His prior roles include positions at Central Michigan University and Thumb Broadcasting Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Lucy Palms is a financial advisor at Raymond James & Associates with 10 years of industry experience. She holds a Series 66 designation and has worked at Raymond James since 2016. Outside of her advisory role, she teaches group fitness classes at Life Time Fitness. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers a range of financial planning and consulting services supported by comprehensive research and multiple portfolio management styles.

Curt Happold is a financial advisor with Cambridge Investment Research Advisors in Novi, MI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2014 and previously at Comerica Securities. Outside of advising, he operates Happold Enterprises, Inc., an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Paul Vandenheede is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2010 and holds Series 63 and Series 65 licenses. He is the executive director of the Vandenheede Foundation, a family foundation that funds religious and educational organizations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Angela Bourgeois is a financial advisor with Raymond James & Associates in Ann Arbor, MI. She holds Series 63, 65, and 66 licenses and has 26 years of experience in the industry. Her prior work includes roles at Parkland Securities and Sigma Financial Corporation. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Bridget Baughman is a financial advisor at Osaic with 17 years of industry experience. She holds the Series 63 and Series 66 credentials. Prior to joining Osaic in 2024, she worked at Woodbury Financial Services and Questar Asset Management. Outside of her advisory role, she owns and operates Rockbridge, a tax preparation and planning business. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Michael Karfis is a financial advisor with Ameriprise in Novi, Michigan, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset thresholds, providing non-discretionary, research-driven recommendations on income sources, Social Security claiming, and tax-smart withdrawal strategies. The firm combines algorithmic tools with advisor oversight and emphasizes managed accounts within its planning approach.

Frederick Atiyeh is a CFP®-designated financial advisor with 47 years of industry experience, currently serving with LPL Financial since 2024. His prior roles include long tenures at Crown Capital Securities, L.P., and Legacy Investment Strategies, LLC. He also holds a public notary commission. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions delivered through a large network of advisors using various models and strategies.

Jeffery Sprague is a financial advisor with Cetera who holds Series 63, 65, and 66 designations and has 34 years of industry experience. His career includes long-term roles at First Allied Securities and its affiliated entities before joining Cetera. He also operates his own insurance agency. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various retirement services.

Ralph Albers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and spent a decade at Ameriprise Financial Services prior to that. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.