Grace Dostie is a financial advisor at UBS Financial Services with one year of industry experience. She holds the Series 66 designation and has previous work history including roles at InTouch Credit Union and Great Lakes Loons. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services such as fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and affiliated banking programs.

James Reinhart is a financial advisor at Cetera with 29 years of industry experience. He holds the PFS™ and Series 63 designations and has been associated with Cetera since 2004. Reinhart also owns Reinhart Financial Services, LLC. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts, offering portfolio management, financial planning, and access to third‑party managers through a multi‑manager platform.

Marshall Bell is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 65 credentials and bringing 58 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to this, he spent 33 years at Citigroup Global Markets. Outside his advisory role, he is involved as an investor with SSJ Investments. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and modeling tools, serving clients primarily in an advisory capacity.

Haley Henciar is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Her work history includes roles at Bank of America, Citizens Bank, ComputerShare, and United Wholesale Mortgage, as well as seven years of employment at Chili's Bar & Grill. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Robert Ray is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding a Series 66 designation and bringing 20 years of industry experience. He has been with UBS since 2005. Outside of his advisory work, he serves as Vice Chair on the boards of both the Oakland University Golden Grizzlies Champions Club and the Oakland University Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Robert Loupee is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 47 years of industry experience. He previously worked at UBS Financial Services from 2011 to 2020 before joining RBC in 2020. Outside of his advisory role, Loupee serves as treasurer for both a condominium association and a youth music charity in Pontiac, Michigan, and acts as an arbitrator for FINRA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering a range of advisory programs with customized portfolio management and financial planning services. The firm utilizes both in-house and third-party managers and provides access to alternative investments, tax management, and responsible investing options.

Kelly Mckinney is a financial advisor at Raymond James & Associates with 22 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Outside of his advisory work, he serves as a committee member of the Oakland Schools Parent Advisory Committee, a group supporting parents of children with special needs in the Royal Oak area. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, serving both retail and institutional clients with a range of advisory and consulting services.

Armin Niksimaee is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024 and as an Underwriter at United Wholesale Mortgage from 2021 to 2022. His work focuses on partnering with clients and their families to develop comprehensive financial plans aimed at achieving their financial objectives and providing peace of mind. Armin's approach involves co-creating sustainable financial strategies tailored to each client's unique goals. Outside of his professional responsibilities, he has interests in cars, comedy, food, golf, and music.

Andrew Grabinski is a financial advisor with Raymond James & Associates in Macomb, MI, holding a Series 66 designation and 20 years of industry experience. He has been with Raymond James & Associates since 2007 and has also worked with Oakland University since 2003. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides both non-discretionary advisory services and institutional consulting, with notable involvement in public finance and municipal work.

Jennifer Ball is a financial advisor with Ameriprise in Hazel Park, MI, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a Girl Scout troop leader, where she facilitates volunteers and supports the PTA president. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory resources to deliver tailored retirement income plans primarily for clients with Ameriprise-managed accounts.

Jialin Li is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and previously worked at Bank of America. She is the owner of Elseven LLC, an inactive entity originally intended to support her children’s social media channel. Merrill provides managed account services to 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. The firm is integrated into Bank of America’s wider corporate platform, providing access to a broad set of financial products and services.

Shelby Masen is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial, Masen held roles at Sigma Financial Corporation and Olympia Entertainment. Masen is also involved in non-variable insurance sales through a separate agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Anuj Rama is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to this, he worked at Wayne State University and Mortgage Center LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by quantitative modeling tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers advisory solutions through its Financial Advisors and Estate Planning Strategies Group.

Timothy Dimock is a CFP® and ChFC® with 30 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2012. 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Cory Miglio is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He 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. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Trenton Zylinski is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. His prior work includes roles at Uniservices, Northwestern Mutual, and JPMorgan Chase Bank, N.A. 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Rachael Chartier is a financial advisor at Ameriprise with 13 years of industry experience. She holds a Series 66 designation and previously worked for nine years at LPL Financial. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, focusing on income sources, Social Security options, and withdrawal strategies.

Susan Burns is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she serves as a trustee for J D, a fiduciary entity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Ralph Koss is a financial advisor with Raymond James & Associates in Clinton Township, MI, holding Series 63 and Series 65 designations and having 31 years of industry experience. He has worked at Raymond James & Associates since 1999 and is also the owner of Pilot Financial Group, LLC. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a notable focus on public finance and municipal work.

Jeff Biernat is an Investment Management Consultant II at Fidelity Investments, a role he has held since 2023. He has extensive experience in the financial services industry, having worked as a financial advisor at Allstate Financial Services, LLC from 2005 to 2023, Huntington Investment Company from 1998 to 2005, and Morgan Stanley in 1998. Throughout his career, Jeff has focused on helping clients and their families develop comprehensive financial plans aimed at achieving long-term peace of mind. He collaborates with clients to understand their goals and aspirations, co-creating financial strategies that utilize Fidelity's resources. Outside of his professional work, Jeff enjoys boating, hiking, kayaking, running, and traveling.