John Massoglia is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 34 years of industry experience. He has been with LPL Financial since 2011. In addition to advisory services, he is involved in tax preparation, accounting, and bookkeeping through Massoglia Tax Services and provides non-variable insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing various model portfolios and research resources.

Brent Richards is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial and Independent Financial Advisors since 2012. Richards holds Series 63 and Series 66 credentials. 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 variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Lucas Chase is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Raymond James Financial Service Advisors Inc., he worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and state and municipal government entities. The firm offers customized advisory solutions, including a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and specialized municipal and public finance services.

Deborah Dilloway is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds the Series 66 designation and previously worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and public entities, and is known for its integrated municipal and public finance capabilities.

Travis Smith is a financial advisor with LPL Financial in Livonia, MI, holding Series 63 and Series 66 licenses and six years of industry experience. He previously worked at Ameriprise and The Huntington Investment Company. In addition to his advisory role, he is a commissioned notary in his local community. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and a variety of management approaches.

Cole Misuraca is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Ceros Financial Services, Flexible Plan Investments, and Equitable Advisors LLC. Outside of finance, he works part-time in event serving at Zuccaro's Banquets and Catering. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm’s approach includes periodic reviews and the option to combine planning with managed accounts under a consolidated billing program.

Thomas Cornfield is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. His prior work includes sixteen years at Metlife Securities, Inc. He is also an artist. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Tiffany Tufenkjian is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds the Series 66 designation and has previously worked at JPMORGAN Chase Bank, Eca Science Kit Services, Bateel, Coldstone Creamery, and The Gold Smith Gallery. 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 and investment management capabilities.

Michael Hycki is a financial advisor with Ameriprise in Novi, MI, holding the ChFC® designation and Series 63 license. He has 33 years of industry experience, including long tenures at Cambridge Investment Research Advisors and Genesis Financial Partners. He is also president of Hycki Toth Inc., a business focused on the development and implementation of client financial plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Nitish Kulkarni is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, Citizens Bank, and United Wholesale Mortgage. 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 network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Whitney Robinson is a Financial Consultant at Fidelity Investments, a position she has held since 2018. She has been with Fidelity Investments since 2015, previously serving as an Investment Consultant from 2015 to 2018. Prior to joining Fidelity, Whitney worked as a Financial Advisor at Morgan Stanley from 2013 to 2015. Whitney focuses on developing comprehensive financial plans tailored to the unique needs and goals of her clients and their families. She emphasizes building enduring relationships based on trust, reliability, and exceptional care. Whitney holds a California Insurance License. Outside of her professional work, Whitney has interests in fitness, parenthood, photography, running, and traveling.

Kenneth Lundquist Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously held roles at Sii and Cco Investment Services Corp. Outside of his advisory work, he is involved as an agent with Allen Wealth Strategies, focusing on smaller death benefit insurance cases and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party investment solutions to manage portfolios across a broad range of securities.

Stacy Cataldo is a Series 66-licensed financial advisor with Morgan Stanley in Farmington Hills, MI, having joined the firm in 2024. She has one year of industry experience and spent 17 years at Walsh College of Accountancy & Business Administration prior to entering the financial advisory field. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools but generally does not include individual security recommendations unless separately engaged.

Teri Jones is a financial advisor at Fidelity with 28 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has worked with various Fidelity entities since 2010, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI tools in research, and its formal advisory roles to registered investment companies and fund-of-funds.

Donald Andrysiak is a financial professional at Cetera with Series 63 and Series 66 credentials and one year of industry experience. He has worked at Cetera and related entities since 2020, and previously held positions outside of finance, including roles in landscaping and golf club management. He is also associated with Economic Financial Services, a financial services DBA. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services with various program structures and custodial relationships.

Sandra Buhay is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including Fidelity Investments, E*TRADE, TD Ameritrade, and Scottrade. Her current tenure at Morgan Stanley began in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm uses structured planning tools and models to support financial planning, managing approximately $2.74 trillion in client assets.

Christopher Barrett is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides a goals-based approach to wealth management, focusing on holistic and comprehensive financial guidance that extends beyond portfolio management. His expertise includes investment consulting for defined contribution plans, personal retirement planning, managing new wealth, college education planning, divorce transition planning, and small business strategies. In addition to serving individual clients, he manages the retirement plan business, mergers and acquisitions activities, and commercial banking relationships for his team. Barrett holds several professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from the University of Michigan and graduated from Grand Rapids City High-Middle School. Before joining Merrill Lynch in 2008, he spent 11 years in commercial banking working with middle-market business owners. He serves as a director on the boards of the Association for Corporate Growth and Crime Stoppers of Michigan and is involved with Haven of Oakland County. Outside of his professional life, Barrett enjoys cooking, golfing, music, traveling, and spending time with his family. He resides in Commerce Township with his wife and two daughters.

Sarah Ray is a financial advisor at Merrill with four years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Bank of America and JP Morgan Securities LLC. 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. The firm’s integration within Bank of America’s broader platform allows access to diverse products and services beyond typical managed accounts.

Mark Bublitz is a financial advisor with Raymond James Financial in Northville, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He is president and CEO of Mark W. Bublitz Capital and serves as vice president and 50% partner of Center Street Wealth Strategies, a hybrid RIA affiliated with Raymond James. He is also involved in Melaleuca Wellness as an independent contractor. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a wide range of resources and emphasizes advisory relationships where clients retain final decision authority.

Ciara Merriman is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Merriman has been with Edward Jones since 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.