Joseph Colletti is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2016 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and proprietary market simulations.

Marla Alati is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and has 32 years of industry experience. She previously worked at Comerica Securities for 29 years and Ameriprise for 3 years. Alati is also involved in independent insurance brokering. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Todd Sander is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at Voya Financial Advisors for six years and has been involved with Baldwin Capital Management since 1999. Outside of his advisory roles, he is employed by Northville Public Schools and is engaged in tax preparation and accounting services. 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 offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Andrew Cronk is a CFP® professional with 14 years of experience in the financial industry. He is currently with Cambridge Investment Research Advisors and has prior experience at Securities America, Inc. and Integrated Financial Strategies. Outside of his advisory role, he is also a licensed real estate agent in Michigan. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and custody arrangements.

Evan Kaczka is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at J.P. Morgan Retirement Plan Services LLC and Gwfs Equities, Inc. 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 offers a mix of non-discretionary and discretionary investment guidance, supported by multi-asset model portfolios and a formal alternative investment process.

Christopher Davidson is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds Series 66 and Series 63 licenses and has worked across several affiliated firms since 2014. Edelman Financial Engines provides technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutions. The firm combines committee-driven modeling with planner delivery and online tools, offering diversified portfolios and various management styles while managing approximately $326 billion for around 477,000 clients.

Andrew Breaugh is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he works with clients to simplify their financial lives and help them achieve their financial goals and aspirations. He follows a comprehensive approach to wealth management that connects all aspects of his clients' financial lives. Andrew graduated from Kalamazoo College with a Bachelor of Arts degree in Business. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to his current role, he worked as a Mortgage Loan Originator licensed in multiple states, tailoring mortgages to align with clients' individual financial and life goals. In addition to his professional work, Andrew is involved in community volunteering. He enjoys personal interests such as baseball, boating, cooking, football, golfing, ice hockey, skiing, and spending time with his family.

Barry Weisberg is a CFP® with 42 years of industry experience, currently serving at Morgan Stanley since 2010 and the Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and is based in Farmington Hills, MI. Outside of his advisory role, Weisberg is a director and treasurer of the Harvey & Lucille Weisberg Family Foundation, where he provides investment advice. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary models in its financial planning process.

Matthew Murray is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, and JP Morgan Securities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Andrea Barbee Battagin is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

James Potter Jr. is a financial advisor with LPL Financial in Plymouth, MI, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with LPL Financial since 2011 and has concurrently served as an advisor and held bank duties at Community Financial Credit Union since 2004. 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, financial planning, and retirement plan consulting, utilizing strategic and tactical model portfolios, third-party research, and technology-driven solutions.

Timothy Godin is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has worked at Raymond James since 2018 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 wide range of clients, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Michael Balagna is a CFP®-designated financial advisor with LPL Financial, bringing 43 years of industry experience. He has been with LPL Financial since 1997. Outside of his advisory role, he is associated with M. B. Financial Inc. for accounting and investment-related purposes. LPL Financial serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Colin Talbot is a financial advisor with Raymond James Financial in Plymouth, MI, holding a Series 66 designation and 10 years of industry experience. Prior to joining Raymond James in 2021, he worked at Edward Jones for six years. He is also involved as an associate with Family Legact Wealth Partners, managing client relationships. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools, with notable capabilities in municipal and public finance advisory work.

Xiaomin Deroo is a financial advisor with J.P. Morgan Securities in Ann Arbor, MI, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has been with J.P. Morgan Securities since 2014 and has worked at JPMORGAN Chase Bank, N.A. since 2013. 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 additional market-facing registrations and functions, delivering non-discretionary investment recommendations supported by a centralized due-diligence framework.

Jacob Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Farmington Hills, Michigan. He has been working in the financial services industry since 2001 and holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a qualified Portfolio Manager with Series 7, 63, and 65 FINRA registrations, along with life and health insurance licenses. Jacob provides clients with a range of services such as legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He is able to manage personalized or defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He earned a Bachelor's of Science degree from Western Michigan University and holds a Certificate in Financial Planning from Oakland University. Jacob is also involved in the community through an organization named HOPE. Outside of his professional work, his personal interests include baseball, biking, boating, camping, fishing, golfing, hunting, music, scuba diving, and watching movies.

Michael Daugherty is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has worked at Bank of America, N.A. since 2015 and has been affiliated with Merrill Lynch Pierce Fenner & Smith Incorporated since 2011. Additionally, he is associated with Wayne State University. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeremy Fick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the Kulhavi Team in 2014 to assist with client management and portfolio construction. Jeremy has been with Merrill for 18 years. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Jeremy holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a Bachelor's degree from Oakland University. Prior to his financial advisory career, Jeremy served with the Army National Guard for over ten years and participated in two overseas deployments in support of Operation Iraqi Freedom. He resides in Rochester Hills, Michigan with his wife, Autumn, and their two children.

Donald Radabaugh is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at Cetera and its affiliated firms since 2025 and previously spent 15 years with Avantax Advisory Services. Radabaugh also manages Donald Radabaugh Associates, PLLC, where he oversees tax preparation and accounting operations. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, including discretionary and non-discretionary strategies, model portfolio implementation, and access to third-party money managers.

Gregory Kendzicky is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2025, he worked at TFO Wealth Partners and has held various roles outside the financial sector, including positions at Hungry Howies and teaching roles at Hillsdale College and Madonna University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.