Nikolas Highducheck is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors LLC. Outside of finance, his background includes roles in retail and education. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program and affiliated accounts.

Michael Yee is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Ameriprise since 2009, serving in various capacities over more than a decade. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning, delivering written recommendation reports and ongoing advice related to income sources, withdrawal strategies, and Social Security options.

Joseph Panfil is a financial advisor with LPL Enterprise in Troy, MI, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities, LLC, LPL Financial, Blue Water Asset Management, and Invest Financial Corporation. He is also co-owner of Family Roots Financial, a business related to his work at LPL. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering services through advisory and brokerage channels. The firm provides financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products within an integrated platform.

Zuberi Thomas is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2002. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Allen Rosin is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1979 and currently assists clients by helping them build wealth management strategies tailored to their individual needs. Allen emphasizes a comprehensive approach to managing wealth, focusing on listening to clients and supporting informed decision-making throughout the development of their financial strategies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Allen earned a Bachelor's Degree from Michigan State University. His approach includes offering contrarian fixed income portfolio management through the Merrill One Investment Advisory Program.

Salvatore Finazzo is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase entities since 2015. He is also a partial owner of Matanaka LLC, an investment property business. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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.

Mark Napolitano is a financial advisor at Raymond James & Associates with 30 years of industry experience. He has held his position at Raymond James since 2003. He holds Series 63 and Series 65 credentials. 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, institutions, and municipal entities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Dinesh Chawla is affiliated with LPL Enterprise and holds a Series 66 designation. He has extensive experience in legal services through his role at Chawla Legal Group, PLC, where he has worked since 2018, and previously provided compliance consulting at Gemini Compliance Strategies from 2015 to 2022. He also serves as a Notary Public. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.

Joseph Ghanem is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he holds interests in several investment-related businesses focused on real estate management and serves as president of a medical center condominium association. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services primarily in an advisory capacity.

Ryan Mackinder is a Series 66-credentialed financial advisor with 18 years of industry experience, currently affiliated with LPL Financial since 2015. In addition to his advisory role, he is involved with Capstone Tax Services, LLC, where he provides tax preparation and related services as an enrolled agent and tax preparer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Amy Roberts is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 66 licenses and 27 years of industry experience. Her prior work includes 24 years at Comerica Securities and three years at Ameriprise. Outside of advisory work, she is involved in independent insurance brokering. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, utilizing model portfolios, research, and technology-driven investment strategies.

Pamela Randazzo is a financial advisor at Morgan Stanley in Birmingham, MI, with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and manages approximately $2.74 trillion in client assets.

Nicholas Robinette is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., DoorDash, and several other organizations. He has also been affiliated with Lawrence Technological University for five years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Gregory Hoenle is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services Inc and Sii Investments. Hoenle is also Vice President and Co-Owner of Platinum Wealth Management Group, where he provides insurance and fixed annuity solutions, and serves as Vice President of Membership Services for the Advanced Planning Education Group. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple investment types.

Marcus Gowdy is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to develop customized financial plans tailored to their unique and evolving needs. Prior to his current role, Marcus was a Licensed Banker at JPMorgan Chase & Co from 2010 to 2012. Marcus's approach to financial planning emphasizes forming strong relationships with families built on trust, reliability, and competency. He invites clients to schedule meetings to better understand his methodology and partnership style.

Kailen Hudson is a financial advisor with LPL Enterprise, holding the Series 66 designation and beginning his advisory career in 2025. He has prior work experience at TSM Corporation, Airboss Flexible Products, FedEx, and multiple other companies. Outside of advising, he is involved with TSM Corporation in a non-investment-related role and is also engaged in non-variable insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Daniel Keller is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2008. 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, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

William Hawkins is a financial advisor with J.P. Morgan Securities in Utica, Michigan. He holds a Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities, he was associated with New Possibilities Financial Group and has a background that includes roles in mortgage lending and life insurance. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling and centralized due diligence with an ESG eligibility framework to offer customized recommendations through its Institutional Consulting Services program.

Ryan Lewandowski is a financial advisor with LPL Financial based in Clinton Township, MI. He holds a Series 66 designation and has four years of industry experience. His prior work includes roles at Michigan Schools & Government Credit Union and Residential Revival LLC. Outside of his advising work, he is involved with Catching Fall, an LLC focused on book and game projects. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and research to support diversified and alternative investment strategies.

Cynthia Audish is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she partners with clients to develop and implement lifelong financial plans aimed at providing peace of mind. Cynthia focuses on aligning portfolio investments with clients' specific goals, enabling them to actively manage their financial futures. She brings over 10 years of experience in financial services, having held positions such as Senior Financial Consultant at TD Ameritrade from 2020 to 2021, Financial Representative at Fidelity Investments from 2019 to 2020, Internal Wholesaler at Dunham & Associates Investment from 2017 to 2019, and Agency Owner of Cynthia Audish Insurance Agency, Inc. from 2014 to 2017. Outside of her professional work, Cynthia's interests include cooking and baking, movies, parenthood, reading, volunteering, and writing.