Christopher Demetral is a financial advisor with Raymond James Financial in Rochester, MI, holding Series 63 and Series 66 designations and having 24 years of industry experience. He has been with Raymond James since 2008 and operates his practice through Christopher Patrick & Associates, LLC. Outside of advising, he owns and manages real estate through Christopher James Holding Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutions, and corporations. The firm employs tailored, non-discretionary planning and uses a range of analytical tools to support client goals, with notable offerings in municipal advisory services and employer-focused SIMPLE IRA consulting.

Ryan Lewandowski is a financial advisor with LPL Financial based in Clinton Township, MI. He holds a Series 66 designation and has four years of industry experience. His prior work includes roles at Michigan Schools & Government Credit Union and Residential Revival LLC. Outside of his advising work, he is involved with Catching Fall, an LLC focused on book and game projects. 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 investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and research to support diversified and alternative investment strategies.

Cynthia Audish is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she partners with clients to develop and implement lifelong financial plans aimed at providing peace of mind. Cynthia focuses on aligning portfolio investments with clients' specific goals, enabling them to actively manage their financial futures. She brings over 10 years of experience in financial services, having held positions such as Senior Financial Consultant at TD Ameritrade from 2020 to 2021, Financial Representative at Fidelity Investments from 2019 to 2020, Internal Wholesaler at Dunham & Associates Investment from 2017 to 2019, and Agency Owner of Cynthia Audish Insurance Agency, Inc. from 2014 to 2017. Outside of her professional work, Cynthia's interests include cooking and baking, movies, parenthood, reading, volunteering, and writing.

Joshua Wade is a financial advisor at Edward Jones in Rochester, MI, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, he served with the Bruce Township Fire Department from 2009 to 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Megan Ringwelski is a financial advisor at Raymond James & Associates with eight years of industry experience. She holds the Series 66 designation and has worked in both academic and financial services roles, including positions at Central Michigan University and Northwestern Mutual. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base, including individuals, institutional clients, and municipal entities. The firm offers tailored financial planning and non-discretionary consulting, supported by a range of portfolio management styles and affiliated research.

Jack Muir is a Financial Advisor with Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® designation and the Personal Investment Advisor (PIA) credential. Jack focuses on delivering personalized financial strategies that align with his clients' unique goals and priorities. He earned a Bachelor's degree in Finance with a minor in Financial Planning and Wealth Management from Michigan State University's Eli Broad College of Business. His professional expertise includes family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and tax minimization. Jack is committed to building long-term relationships and providing guidance that evolves alongside his clients' financial needs. Originally from Birmingham, Michigan, Jack has lived most of his life there except for his time at Michigan State University and a year in Dallas, Texas. Outside of his professional work, he enjoys golfing, ice hockey, pickleball, and spending time with his family.

Roman Wasylyn is a financial advisor with Cetera, holding a Series 66 designation and 26 years of industry experience. He also serves as Vice President of Tax at The Cheesecake Factory, Inc., where he has worked since 2008, and is a board member of the Tax Executives Institute, advising on chapter activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various program structures.

Stephanie Borg is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has been affiliated with Bank of America and Merrill for 30 years. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Samieh Emiah is a financial advisor with Edward Jones in Sterling Heights, MI, holding Series 63 and Series 66 designations and 27 years of industry experience. Emiah has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large nationwide network of advisors and branch offices.

Thomas Jacobs is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and 43 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its financial planning process.

Scott Smith is a financial advisor with LPL Financial in Rochester, MI, holding a Series 66 credential and four years of industry experience. His prior roles include positions with J.P. Morgan Securities LLC, Merrill, Bank of America, and Flagstar Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with access to model portfolios, third-party research, and various portfolio management options.

Jack McKillop is a Financial Consultant currently working at Fidelity Investments. He collaborates with clients as part of a planning team to enhance their relationship with wealth by understanding their preferences and priorities through a collaborative and needs-based approach. Jack has accumulated experience in the financial industry through several roles, including his current position as Financial Consultant at Fidelity Investments since 2024. Prior to this, he served as a Planning Consultant at Fidelity Investments from 2021 to 2024. His earlier experience includes positions as a Financial Solutions Advisor at Merrill Edge from 2019 to 2021 and as a Wealth Management Assistant at Merrill Lynch in 2018.

Louis Runco is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Park Avenue Securities, Guardian Life Insurance Company, and several other firms. Outside of finance, he has a side business in sign installation. 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 institutions.

Eric Dixson is a financial advisor with Ameriprise in Oxford, MI, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His prior roles include positions at Raymond James Financial Services and Scottrade, where he worked for 16 years. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Brandon Mudloff is a CFP® professional with 18 years of experience in financial advising. He is currently with Morgan Stanley, having joined in 2023 after seven years at Wells Fargo Clearing and one year at Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools to model outcomes and generally acts in an advisory capacity for financial planning services.

James Guest is a financial advisor with Wells Fargo Clearing in Rochester Hills, MI, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for his father. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Tracy Van Sumeren is a financial advisor at Merrill with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1985, also associated with Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

William Mawyer is a financial advisor at Merrill with 12 years of industry experience. He holds Series 66 and Series 63 licenses. His prior roles include positions at Morgan Stanley, Bank of America, and Charles Schwab. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Christopher Misterovich is a financial advisor at Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses with 37 years of industry experience. He previously worked at Comerica Securities and Comerica Investment Services for over three decades and spent three years at Ameriprise before joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and scenario modeling, delivering a broad range of investment and financial services.

David Rubenstein is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and 31 years of industry experience. Prior to joining LPL Financial in 2025, he worked for nine years at L.M. Kohn & Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by in-house and third-party research.