Adam Walsh is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Osaic since 2018. Prior to joining Osaic, he worked for 14 years at Signator Investors/John Hancock. Outside of his advisory role, Walsh is a co-owner of a private garage facility used for racing activities. Osaic Wealth, Inc. serves a diverse client base that includes individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of affiliated advisors and employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage discretionary and non-discretionary portfolios across various investment vehicles.

Evan Onder is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Collin Allor is a financial advisor at Cetera with a Series 66 designation and less than one year of industry experience. Prior to joining Cetera, he worked at Madonna University for six years and has experience in landscaping. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment and financial planning services through a large nationwide network of independent advisors and employs a multi-manager platform with various program options and custodial relationships.

Michael Fitzsimmons is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 33 years. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing assets held in Ameriprise Managed Accounts and utilizing algorithmic automation overseen by specialized committees.

Jack Stander is a financial advisor at Morgan Stanley in Birmingham, MI, with four years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Plante Moran Financial Advisors, Northwestern Mutual, and J.P. Morgan. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides planning both directly and through corporate agreements.

Amber Deel is a Financial Consultant at Fidelity Investments, a position she has held since 2022. She has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, and Planning Consultant. Her career reflects a commitment to providing financial planning services tailored to clients' goals and values. Amber holds a California Insurance License, supporting her work in financial consulting. She emphasizes building trusting and reliable relationships with clients to develop flexible financial plans that adapt to life changes. Outside of her professional life, Amber enjoys activities such as attending concerts, cooking and baking, family activities, motorcycles, pets, and traveling.

Charles Ciaramitaro is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and has been with Raymond James & Associates since 2019, including a recent period starting in 2024. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers both non-discretionary advisory services and institutional consulting, with a notable focus on public finance and municipal work.

Daniel Lajcaj is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank, N.A. since 2007. 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. The firm delivers these services alongside affiliated brokerage and investment management capabilities, combining large institutional advisory operations with multiple market-facing registrations.

Zakaria Alhabbal is a Series 66 licensed financial advisor with Merrill, based in Farmington Hills, MI, and has two years of industry experience. His prior work includes roles at PNC and the University of Michigan Dearborn. Outside of his advisory work, he serves on the boards of a homeowners association and a cultural nonprofit and owns businesses involving custom software development and couponing advice. Merrill provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies through its Select Portfolio Solutions program. The firm serves a broad client base, including individuals, high-net-worth clients, and institutional accounts, leveraging its integration with Bank of America’s wider platform.

Toria Cooper is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1994. 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.

Alec Tropea is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 65 and Series 63 licenses with eight years of industry experience. Before joining Raymond James in 2018, he worked in the food service industry at Brooklyn Pizza and was affiliated with Oakland University. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm serves a broad client base—including individuals, pension plans, corporations, and government entities—offering non-discretionary wealth advisory planning and investment consulting through various programs and institutional consulting services.

Rachel De Fer is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and seven years of industry experience. She has been with Morgan Stanley since 2018 and previously worked at Cintas Corporation from 2016 to 2018. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers various investment services through advisory and brokerage platforms.

Kristina Schofer is a financial advisor with Edward Jones in Novi, MI, holding a Series 66 designation and three years of industry experience. Before joining Edward Jones in 2022, she worked six years at Centria Healthcare, LLC. She serves as the chapter secretary for a local business network in Ferndale, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Ian Goins is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity in 2025, his work history includes roles in various industries such as hospitality and waste services. Outside of finance, he has experience working at Moose Ridge Golf Course and XGolf Brighton. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios that incorporate mutual funds, ETFs, and ETPs through systematic methodologies.

Colin Talia is a financial advisor at Raymond James & Associates with six years of industry experience. He holds a Series 66 designation and previously worked at UBS for seven years and Ernst & Young for five years. Based in Farmington Hills, MI, he has been with Raymond James since 2026. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500 billion in assets and employing over 5,400 advisors. The firm offers wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, with a notable focus on municipal and public finance.

Nicholas Scarsella is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and nine years of industry experience. He has been with Cambridge Investment Research since 2017 and is also affiliated with RWS Financial Group. Outside of his advisory role, he is involved in financial advisor recruiting and business consulting through related entities. 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 advisory services through a network of independent advisors, employing multiple custody platforms and a mix of discretionary and non-discretionary investment strategies.

Scott Hammond is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Jacquelyn Duggan is a CFP®-credentialed financial advisor with Edward Jones in Livonia, MI, holding six years of industry experience. She has worked at Edward Jones since 2020 and previously held roles in healthcare and education. Outside of her advisory work, she serves as the Color Guard Director for the Lakeland Band Boosters, directing their fall and winter guard programs. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

David Rychlick is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for nine years. Outside of advisory work, he is also licensed to sell life and disability insurance and offers fixed annuities. OSAIC serves a broad mix of retail and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and supports multiple advisory platforms, including third-party managed account solutions and unified managed accounts.

Alyssa Tropea is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and 10 years of industry experience. She has been with Raymond James & Associates since 2012. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a focus on both retail and institutional advisory services, including municipal finance and public-sector work.