Stephanie Kerr is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked within various divisions of Raymond James since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including high-net-worth individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Laura Herfy is a financial advisor with Charles Schwab in Birmingham, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at Empower Financial Services and Thrivent Financial, including Thrivent Investment Management. Outside of her advisory role, she serves as CEO of People of Impact, a nonprofit organization focused on leadership and support for veterans. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a centralized approach to custody, brokerage, and investment guidance.

Joshua Mrozowski is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Willie Herbert Jr. is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and with 26 years of industry experience. He has been affiliated with PFS Investments Inc. and Primerica Financial Services since 1999. Outside of investment advisory, he is involved in sales of non-investment products including home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, offering various investment models including those that allocate to cryptocurrency ETFs.

Duane Garth is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His career includes roles at Summit Financial Group Inc and Cetera Wealth Services, LLC. Outside of advising, he co-founded a ministry focused on financial unity for couples, serves on several nonprofit boards including for the City of Southfield and Ashland Theological Seminary Foundation, and teaches as an adjunct professor at the University of Detroit Mercy. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment options and program structures, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Peter Gianopoulos is a financial advisor with OSAIC Wealth, Inc. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. Prior to joining OSAIC in 2018, he worked for John Hancock Insurance/Signator Investors for 17 years. Gianopoulos is also president of several insurance-related entities offering fixed insurance, life, annuities, and long-term care products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization using various investment strategies and third-party platforms.

Adam Partridge is a financial advisor at Merrill with 8 years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes roles at JP Morgan Chase, Benzinga, and Lazio Search Group. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jack Kloka is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Securities America, Inc., Flexible Plan Investments, Ltd., General Nutrition Center, and Warren Screw Products. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custody and supervisory arrangements.

Lisa Hite is a financial advisor with LPL Financial in Canton, Michigan, holding a Series 66 designation and two years of industry experience. She has worked at LPL Financial since 2024 and has been with Community Financial Credit Union in some capacity since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolio programs, and institutional platforms, supporting advisors with both proprietary research and third-party strategies.

Brendan Dunleavy is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2018, following a 14-year tenure at Signator Investors/John Hancock. Dunleavy serves on the boards of a charitable organization affiliated with the Michigan Department of Human Services and the Irish Network Detroit. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach involves model-based asset allocation, portfolio optimization, and a range of customizable strategies supported by third-party money managers and proprietary models.

Rivaldo Tobia is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 63 and Series 66 designations and has worked within various roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and eMortgageFunding LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Kurt Ebel is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He has worked at Cetera and its affiliate firms since 2019 and previously spent 12 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party investment managers.

Brian Guillery is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and with 29 years of industry experience. His prior work history includes roles at FSC Securities and LPL Financial. Outside of his advisory role, Guillery is an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms, managing a multi-billion dollar asset base.

Edward Pustelak Jr. is a financial advisor at UBS Financial Services with 42 years of industry experience. He holds Series 65 and Series 63 licenses and has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans for clients.

Charles Pass is a financial advisor with LPL Financial in Farmington, MI, holding Series 63 and Series 66 licenses and nine years of industry experience. He previously worked at NYLIFE Securities LLC and New York Life Insurance Company from 2016 to 2018. 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, and institutional platforms, with investment approaches that incorporate strategic and tactical allocations, direct indexing, and alternative exposures.

Richard Smith is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides financial insight, guidance, and management to individuals, families, and businesses nationwide, focusing on advanced planning and portfolio allocation. His expertise includes advanced financial strategies involving individual stocks, indices, market linked notes, and alternative investments. Richard's team helps clients navigate volatile markets and plan for retirement, college education, and tax minimization among other areas. Richard began his career in financial services in 2008, motivated by a passion for working with small business owners. Before entering the industry, he earned bachelor's degrees from Western Michigan University's Haworth College of Business and School of Communication. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Richard also maintains licenses as a residential and commercial mortgage loan originator and REALTOR®. Residing in Grosse Pointe Farms with his wife and two daughters, Richard is actively involved in his community. He serves on the Grosse Pointe Farms Parks & Harbor Committee, is an active member of the Grosse Pointe Farms Boat Club board, and previously coached varsity baseball at Grosse Pointe South High School. His personal interests include fishing, golfing, music, and traveling with his family.

Cheryl Mcgown is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She previously worked at J.P. Morgan Securities and Chase Investment Services Corp. She is also the owner of a trucking company, C Mc Go Trucking LLC. 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 multiple platforms and custodians.

David Lenda is a financial advisor at Cambridge Investment Research Advisors with over 33 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior work includes roles at PNC Wealth Management and LPL Financial. In addition to his advisory work, he is involved with the HR PI Networking Group and operates as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and a large network of financial professionals.

Meggison Mitchell is a financial advisor at Morgan Stanley with a Series 66 credential and less than one year of industry experience. Prior to joining Morgan Stanley, Mitchell held roles at Bank of America, Merrill, and Hantz Financial Services, and has experience in various sectors including hospitality with Luxe Bar & Grill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, focusing on structured financial planning supported by firm-approved tools and models.

Scott Lowery is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds the PFS™ designation as well as Series 63 and Series 65 licenses. Lowery has been with Raymond James Financial since 2002 and also owns an accounting practice, Scott Lowery, CPA, PC. He serves as Treasurer and board member of the Northville Historical Society. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals across its extensive advisor network.