Diana Freeburg is a CFP®-credentialed financial advisor with 32 years of industry experience, currently practicing at UBS Financial Services since 2013. She holds Series 63 and Series 66 licenses and is based in Farmington Hills, MI. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market assumptions to tailor client strategies.

Julie Dewolf is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Paul Nassar is a financial advisor at Ameriprise Financial Services with 38 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has worked at Ameriprise since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies. The firm employs a centralized team for retirement income recommendations and draws on proprietary research and external data within a defined investment universe influenced by affiliated product relationships.

Richard Kwasnik is a Financial Consultant currently working at Fidelity Investments. He collaborates with clients to develop financial plans that align with their personal and family goals, emphasizing diligence, communication, and understanding throughout the process. He has been with Fidelity Investments since 2021, initially serving as an Investment Consultant before assuming his current role in 2023. Prior to that, Richard worked as an Assistant Vice President and Financial Solutions Advisor at Merrill Lynch from 2017 to 2021. Outside of his professional responsibilities, Richard has interests in cars, football, military service, running, and volunteering.

Chad Rinke is a financial advisor with Edward Jones in Rochester, MI, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Edward Jones since 2002. Outside of his advisory role, he serves as a trustee and finance committee member for the Community Foundation of Greater Rochester. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, offering both discretionary and non-discretionary advisory programs with approximately $1.01 trillion in assets under management and a nationwide network of financial advisors and offices.

Alec Hagen is a financial advisor with Raymond James & Associates in Birmingham, MI, holding a Series 66 designation and bringing nine years of industry experience. He previously worked at Hantz Financial and spent five years at Central Michigan University before joining Raymond James in 2018. 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 a range of financial planning and consulting services with a variety of portfolio management styles and affiliated research.

Irfan Jallad is a Wealth Management Advisor with over 23 years of experience in the wealth management industry. He oversees and coordinates the financial affairs for a select group of families, retirees, corporate executives, business owners, and non-profit organizations in the Detroit Metro area and nationwide. As part of Merrill Lynch Wealth Management, he utilizes a goals-based approach to retirement, education, asset allocation, and distribution strategies, providing clients with access to the investment insights of Merrill and banking solutions through Bank of America. Mr. Jallad's areas of focus include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and socially responsible investing. He partners with a team that coordinates efforts with pre-screened outside advisors such as attorneys, tax professionals, and insurance experts to simplify and bring clarity to clients' financial lives. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Michigan State University. In addition to his professional work, Irfan Jallad volunteers with organizations in his community and enjoys activities such as biking, fishing, golfing, tennis, and spending time with his family.

Heidi Mccarroll is a financial advisor with Primerica Advisors in Warren, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1996. In addition to her advisory role, she 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 discretionary separately managed accounts. The firm curates third-party asset managers and uses an exclusively percentage-based wrap fee structure.

Andrew Morris is a financial advisor with LPL Financial in Rochester, MI, holding a Series 66 designation and four years of industry experience. He has worked at LPL Financial since 2025 and previously held roles at Fairway Investment Group, MEA Financial Services, and Paradigm Equities. He also has ongoing employment with Corewell Health (formerly Beaumont Health) since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Anthony Whitbeck is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Whitbeck is involved in coaching and business development through Advisor Legacy and holds ownership interests in several real estate and consulting ventures. Ameriprise is a large institutional firm offering a retirement-income planning service designed for clients with significant investable assets, providing tailored recommendation reports that incorporate advanced modeling and tax-efficient strategies. The firm combines advisory, brokerage, and insurance solutions through affiliated entities, with a focus on delivering personalized retirement income planning supported by algorithmic automation and oversight.

Richard Patrick III is a Series 66-licensed financial advisor at J.P. Morgan Securities with five years of industry experience. His prior roles include positions at Fifth Third Private Bank and AXA Advisors, LLC. 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 integrates quantitative screens and qualitative research, supported by a manager solutions team and incorporates an ESG eligibility framework.

Joseph Michalak is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63 and Series 65 designations and possessing 34 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

John Mulka is a financial advisor at Ameriprise with 11 years of industry experience. He holds a Series 66 designation and has prior experience at Morgan Stanley, Northwestern Mutual, and VIMA, LLC. Mulka is based in Auburn Hills, MI. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Jason Livernois is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill since 1999 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Jennings is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Flagstar Bank, Infinex Investments, Citizens Securities, and Charter One Securities. He is also involved with Flagstar Wealth Services, a DBA associated with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christopher Righi is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing four years of industry experience. His prior work includes roles at Artisan Capital Management, Envolve Pharmacy Solutions, and MeridianRx. Outside of finance, he is also a professional musician involved in planning and performing music for various events. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides both discretionary and non-discretionary management and operates proprietary model strategies under the Founders Gate Capital brand.

Carey Jackson IV is a financial advisor with LPL Enterprise in Troy, MI, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he serves as a board director for the Fox Chase Condos Board and is a commissioned officer in the Michigan Army National Guard. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various affiliated non-securities services.

Charles Patrello Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1992. Outside of advisory services, he is involved in sales of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with thousands of advisors and billions in assets under management.

Kelly Higgins is a financial advisor with Cambridge Investment Research Advisors in Troy, MI, holding CFP®, Series 63, and Series 65 designations with 28 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015 and previously worked at Wealth Management Services, LLC and LPL Financial. Higgins is also involved in advisory and financial planning roles through her ownership of Lautus Wealth Advisory, LLC and Higgins Financial Planning, LLC. Cambridge Investment Research Advisors serves both individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates across multiple platforms and custodians, supports discretionary and non-discretionary management, and offers proprietary model strategies under the Founders Gate Capital brand.

Margaret Beeler is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. Her prior roles include positions at Raymond James and Associates and Merrill Lynch, Pierce, Fenner & Smith Incorporated. She serves as co-trustee for a family trust and assists with related fiduciary responsibilities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.