Joann Blake is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. Her prior roles include long-term positions with Avantax Advisory Services and Radabaugh Financial Services. She is treasurer/comptroller for a nonprofit organization, Boys and Girls Bible Clubs. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that supports over 10,000 advisors and manages more than $256 billion in assets. The firm offers a range of investment and retirement services to individual, corporate, charitable, and institutional clients through a multi-manager platform with discretionary and non-discretionary program options.

Phillip Desantis is a CFP®-designated financial advisor with 12 years of industry experience, currently practicing at LPL Financial since 2019. He previously worked at Hantz Financial Services from 2014 to 2018. His other business activities include a tax preparation and accounting practice, DeSantis CPAs PLLC. 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 financial planning and investment management services through a large network of advisors, employing both discretionary and non-discretionary strategies supported by in-house research and technology.

Erik Gotaas is a ChFC® credentialed financial advisor with 39 years of industry experience, currently affiliated with LPL Financial in Farmington, MI. He has been with LPL Financial and its predecessor since 2000. Outside of his advisory role, he owns a non-variable insurance business specializing in fixed annuities, life, long-term care, disability, and health insurance. 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 financial planning, model portfolios, third-party asset management, participant-level retirement advice, and institutional platforms, with advisors utilizing a mix of discretionary and non-discretionary strategies.

Michael Ceaser Jr. is a CFP® professional with 50 years of industry experience, currently affiliated with Cetera. He has been with Cetera Advisors LLC since 2013 and has also been involved with Ceaser Capital Management since 2013. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, integrating both discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Swain Delly is a financial advisor at Merrill with a Series 66 designation and no prior advisory industry experience. Before joining Merrill and Bank of America in 2026, he worked in the automotive industry at General Motors, Stellantis, FCA, and Magna Car Top Systems for over a decade. 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 for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robynne Henry is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She previously worked at Edward Jones for 16 years before joining Raymond James in 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and charitable organizations, and offers financial planning, investment consulting, and specialized municipal advisory services.

Joseph Ciesinski is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at LPL Financial since 2011 and previously spent seven years at Comerica Securities. He also operates businesses under the names America Group Retirement Strategy Centers and Ciesinski Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a network of investment adviser representatives. The firm offers a broad range of advisory services including financial planning, model portfolios, and institutional platforms, with an emphasis on operational support through advanced tools and a wide scale of non-advisory financial activities.

Shadia Joudi Dedecker is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Wells Fargo Advisors and affiliated entities since 2014. Outside of her advisory role, she works as an independent consultant for Avon, selling beauty products on a limited basis. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with banking, lending, trustee services, and affiliated fund strategies.

Mary Warner is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Stifel. Her prior experience includes roles at Destination Wealth Management and Wells Fargo Investments, as well as a brief tenure at Sprout House Natural Foods Market. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to provide investment analysis and allocation guidance.

John Kronner is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 offers financial plans supported by structured discovery and firm-approved tools.

Larry Wright Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. His career includes roles at Foresters Financial Services from 2011 to 2019 and with Cetera Investment Services LLC since 2019. He is based in Farmington Hills, MI. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party investment managers across multiple program platforms.

Michele Klippstein is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning and offers comprehensive wealth management services supported by advanced modeling tools.

Brian Maxson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry on October 19, 1987, the date of the stock market crash, which influenced his approach to understanding market fundamentals and helping clients avoid emotional decision-making. Brian's expertise includes advising ambitious clients such as automotive, medical, and private equity executives, engineers, business owners, attorneys, and physicians. He focuses on structuring practical, tactical, and timely strategies for areas including retirement planning, portfolio management, legacy planning, and family wealth management strategies. Brian also serves as a Portfolio Manager, managing discretionary Personalized or Defined Strategies that may consist of individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He holds a Bachelor of Business Administration degree in Finance from Eastern Michigan University and has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Brian supports organizations such as the Junior Diabetes Research Foundation, American Diabetes Foundation, Faustman Labs, Eversight, The Humane Society, and his alma mater. He enjoys antiquing, golfing, music, and spending time with his family.

Melissa Southwell is a financial advisor with LPL Financial based in Southfield, MI, holding a Series 66 designation and 13 years of industry experience. Her prior roles include positions at Cetera Wealth Services, Avantax Investment Services, and Raymond James Financial Services. She serves on the board of the Livonia Kiwanis Club Early Risers Foundation and is involved in coordinating tax services through the Center for Tax Planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions, including financial planning, model portfolios, and institutional platforms, supported by advisor-facing tools and extensive non-advisory financial services.

Ashley Kremhelmer is a CFP® professional with 17 years of experience in the financial services industry. She is currently with Edelman Financial Engines and has prior experience at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services, and supports a large client base through both advisor-led and online platforms.

Charles Tourangeau is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He worked at Hantz Financial Services, Inc. for 22 years before joining Raymond James in 2023. He serves as a board member and secretary for Grosse Pointe Academy, a private school in Grosse Pointe Farms, MI. 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 financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Craig Lenhard is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has been with LPL Financial since 1997. 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 provides a variety of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced operational tools.

Bruce Townsend is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 34 years of industry experience. His prior work includes roles at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. Townsend also serves as successor trustee for the Ralph and Phyllis Townsend Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

John Garry is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2020. His prior experience includes roles at Summit Insurance, LaFontaine and Sons Landscaping, and Central Michigan University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides tailored, non-discretionary recommendations focused on dependable income and tax-aware withdrawal strategies.

Pete Sebastian is a Financial Advisor with Merrill Lynch Wealth Management, serving as a Merrill Financial Solutions Advisor. In this role, he collaborates with individuals and families to develop personalized investment strategies aimed at preserving and growing their wealth. He focuses on areas including family wealth management strategies, managing new wealth, and personal retirement planning. Sebastian holds a Bachelor's Degree from Purdue University and has earned the Personal Investment Advisor (PIA) designation. He works closely with clients to understand their financial goals and provides guidance on investing, retirement planning, and preparing for unexpected financial needs. He also coordinates with Bank of America specialists to offer comprehensive solutions encompassing banking, credit, home financing, and small business services. Outside of his professional responsibilities, Sebastian is involved with American Corporate Partners. His personal interests include baseball, football, traveling, and watching movies.