Joe Chapman III is a financial advisor with Primerica Advisors in Detroit, MI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and has worked with Primerica Financial Services since 2001. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight of its investment models.

Elizabeth Deutch is a CFP® with 26 years of industry experience, currently advising clients at Ameriprise in Novi, MI. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory work, she owns an online resale business and serves on the board of directors for Team Happy Feet. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that combines investment research and algorithmic tools to provide tax-aware withdrawal strategies and dependable income solutions.

Adam Jones is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management and financial planning services, utilizing a mix of in-house and third-party investment managers.

Jack Rothenberg, CFS, is a financial advisor with LPL Financial in Southfield, MI, with 32 years of industry experience. He has been associated with Linsco/Private Ledger Corp since 2003. Rothenberg holds Series 63 and Series 65 registrations and is involved in the sale of fixed insurance and annuities. 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 portfolio programs, third-party asset management, and institutional platforms.

Zalal Mello is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also maintaining a role with JPMorgan Chase Bank since 2005. 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 delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

R. Kramer is a financial advisor at LPL Financial with 47 years of industry experience. He holds Series 63 and Series 66 designations and has been with LPL Financial since 2010. 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 advanced operational tools and oversight of substantial discretionary assets.

Jeremy Jones is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2011. In his role, he focuses on understanding clients' financial needs and goals and helps implement plans to work toward those objectives. He assists high net-worth clients with investment, retirement, and income planning. Jeremy has over two decades of experience in the financial services industry. Prior to his current position, he held roles as Vice President of Retail Banking at The State Bank from 2007 to 2011, Branch Manager at Republic Bank from 2002 to 2007, and Branch Manager at Fifth Third Bank from 1999 to 2002. He is a Certified Financial Planner. Outside of his professional work, Jeremy enjoys family activities, social events with friends, golf, outdoor adventures, skiing, and traveling.

Gaurang Joshi is a Series 66 licensed financial advisor with four years of industry experience, currently affiliated with LPL Enterprise. His prior experience includes roles at Ameriprise and Bedrock Management Services, as well as nine years at General Motors LLC. Outside of advisory work, he is co-owner of K&P Hospitality Inc., a non-franchise motel, and MARUTI FAST FOODS, LLC, a retail business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm utilizes model-driven investment implementation with access to third-party managers and offers a range of financial planning and consulting services.

Maria Dimercurio is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has worked at J.P. Morgan Securities since 2015 and has also been affiliated with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Amanda Allie is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jack Hosmer Jr. is a financial advisor at OSAIC with 17 years of industry experience and holds a Series 66 designation. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 10 years. He is also president of Junior Mills Corp, a CPA and tax preparation firm, and has worked with Robinson, Pietras, Kalisky, PC as a staff accountant since 1993. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and supports a variety of investment vehicles, managing portfolios on both discretionary and non-discretionary bases.

Corey Staub is a Certified Financial Planner® (CFP®) with 24 years of industry experience. He is currently with Raymond James & Associates, where he has been since 2026. Prior to this, he worked at LPL Financial LLC for five years and Sigma Financial Corporation for 19 years. Staub is also a licensed agent selling fixed annuities and various types of insurance. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Thomas Klamo is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 24 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, with prior experience at MetLife Securities Inc. Additionally, he has been affiliated with Wayne State University since 1988. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved analytical tools to develop written recommendations tailored to clients’ goals.

Darin Mcbride is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2005 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Thomas Brehm is a financial advisor at Stifel with 36 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has worked at Stifel Nicolaus & Co Inc since 2019, following a decade at Ameriprise Financial Services, Inc. Outside of his advisory role, he is a treasurer, director, and 25% owner of Central Michigan Inns, a limited service hotel, and is involved with its holding company, Meridian Hospitality LLC. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that supports client decision-making through asset allocation, retirement, insurance, and estate planning analyses.

Kareem Chehab is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to clients. He works closely with individuals to identify their financial goals and develop tailored portfolio strategies aimed at addressing a range of priorities, including home buying, education funding, elder care, and healthcare planning. Kareem holds a Bachelor's Degree from the University of Michigan System and has earned the Personal Investment Advisor (PIA) designation. He offers ongoing advice and guidance to adapt clients' portfolios in response to changing needs, serving as a resource for investing, retirement planning, and other financial matters. Additionally, he can connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Committed to understanding what matters most to his clients and their families, Kareem emphasizes a collaborative approach to help pursue their short-, mid-, and long-term financial goals.

James Rivard is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and currently serves at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is a board member and part of the finance committee at Pine Lake Country Club in West Bloomfield, Michigan. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured discovery conversations and firm-approved planning tools to develop plans, managing approximately $2.74 trillion in client assets.

Matthew Oliver is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 10 years of industry experience. He has been with Raymond James & Associates since 2005. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets with a nationwide adviser force. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, supported by a range of portfolio management styles and affiliated research.

Cameron Peel is a financial advisor at Robert Baird & Co. with one year of industry experience. He holds the Series 66 designation and has worked at Baird since 2024. Outside of his advisory role, he is the owner of Dog Gear Co., an e-commerce business. Robert Baird & Co. is an institutional firm whose Private Wealth Management practice advises individuals, families, pensions, corporations, and charitable organizations. The firm offers a range of portfolio and consulting services, including discretionary and non-discretionary management, separately managed accounts, and municipal advisory services.

Sherwyn Labovitz is a financial advisor with Wells Fargo Clearing in Birmingham, MI, holding Series 63 and Series 65 credentials and over 56 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Labovitz has a minor ownership role in JZL Enterprises, LLC, a non-investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice based on an IPS-driven process grounded in modern portfolio theory. The firm includes insurance-related and bank deposit sweep options among its investment offerings, serving institutional clients with tailored plan solutions.