Nicole Gatto is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, with prior experience at PNC Bank and PNC Investments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jon Randall is a financial advisor at Stifel with 20 years of industry experience. He has held positions at Stifel since 2017 and previously worked at Morgan Stanley Private Bank. Randall serves on the development committee of Detroit Cristo Rey School and participates in fundraising and advisory roles for several community organizations, including the Detroit Athletic Club and the Al Fracassa Legacy Foundation. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and modeling from its Investment Strategy Group.

Mark Davis is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors and Haas Wealth Management Center LLC. In addition to his advisory role, he prepares a limited number of tax returns for clients and occasionally sells life insurance and fixed annuity products. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable investors through a large network of affiliated advisers and platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing various asset-allocation tools and portfolio management strategies.

Amy Elmore is a financial advisor with Cetera in Southfield, MI, holding a Series 66 designation and one year of industry experience. She previously worked at Liberty Title and Title Connect, LLC, and serves as the varsity softball coach at Shrine Catholic High School. Cetera Investment Advisers LLC is an SEC-registered adviser serving a range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and supervisory services.

Hunter Macwilliams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 11 years of industry experience. He has been with Raymond James since 2015 and concurrently associated with Meridian Health Plan since 2012. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

Laura Hollinshead is a financial advisor at OSAIC with eight years of industry experience. She holds the Series 66 designation and previously worked at Lincoln Financial Advisors for 19 years. Outside of advising, she is a notary public in Southfield, Michigan. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Mark Corbin is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James & Associates since 2015. 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, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Ryan Robertson is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. His previous roles include positions at Securities America, Inc., Securities Service Network, OSAIC, and he is also a principal at The Dickerson Group, which he has been involved with for over 20 years. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, trusts, and other clients. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent professionals using a variety of portfolio management and platform options.

Daryl Severson is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with Robert Baird & Co., where he has worked since 2019, and has also been affiliated with J.J.B. Hilliard, W.L. Lyons, Inc. since 1997. He is part of The DDK Group at Robert W. Baird & Co., which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides customized financial planning and portfolio management services, employing a range of strategies from traditional allocations to more complex approaches, including separately managed accounts and overlay services.

Kylie Davis is an advisor at OSAIC with Series 63 and Series 65 designations. She has been with OSAIC since 2025 and has prior experience at Knepp Financial Group and other positions in education and hospitality. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of asset-allocation tools and multiple advisory platforms to manage portfolios across various asset classes.

Karen Katinas is a financial advisor at LPL Financial with 20 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and previously worked with JPMorgan Chase Bank, J.P. Morgan Securities, and Ameriprise Financial Services. Katinas is also a notary for Flagstar Bank N.A. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational and research tools.

Jacob Aymen is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020. His prior roles include positions at Central Michigan University and Thumb Broadcasting Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jill Syracuse is a ChFC® credentialed financial advisor with 23 years of industry experience, currently serving clients at Ameriprise Financial Services, LLC since 2021. Prior to this, she worked for Royal Alliance for 10 years. Outside of her advisory role, she is involved in tax preparation through Blumark Tax Advisors, LLC, and participates in a wellness shopping club called Melaleuca. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Brian Higgins is a financial advisor with Merrill in Auburn Hills, MI, holding Series 63 and Series 66 registrations and 43 years of industry experience. He has been with Merrill since 1977 and has also worked with Bank of America since 2009. Outside of his advisory work, he serves in a power of attorney capacity for a non-investment-related entity. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment management includes multiple program strategies and extensive manager-constructed offerings, supported by integration with Bank of America’s broader banking and capital markets platform.

Ethan Mulder is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Epic Systems and Panera Bread. He is also involved with Wagner & Mulder Financial Group, a non-investment-related business based in Highland, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses analytical tools and tailored strategies to support diverse client goals and offers specialized programs including municipal advisory and SIMPLE IRA Employer Consulting Services.

Lucy Palms is a financial advisor at Raymond James & Associates with 10 years of industry experience. She holds a Series 66 designation and has worked at Raymond James since 2016. Outside of her advisory role, she teaches group fitness classes at Life Time Fitness. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers a range of financial planning and consulting services supported by comprehensive research and multiple portfolio management styles.

Michelle Lively is a financial advisor at Morgan Stanley in Birmingham, MI, with 24 years of industry experience. She has been with Morgan Stanley since 2016. Outside of her advisory role, she has been an independent representative for Silpada Designs Jewelry, conducting home shows, though she currently does not plan to continue this activity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning supported by firm-approved tools and structured processes.

Curt Happold is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014 and also owns Happold Enterprises, Inc, operating as an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plan sponsors, and charitable organizations, offering financial planning, investment management, and retirement plan advisory through a network of independent professionals. The firm provides various portfolio management options and employs both proprietary and third-party strategies tailored to client objectives.

Nicholas Kozak is a Private Wealth Advisor and founding member of MK Private Wealth at Merrill, where he serves as Managing Partner. In this role, he focuses on ensuring that the advisory team consistently delivers service aligned with their vision and mission for the families they advise. He acts as the primary advisor to many of the firm's families as well as to athlete and entertainer clients. Growing up working in his family's businesses, Nicholas gained firsthand insight into the challenges business owners and their families face. This experience has informed his work in helping clients navigate business succession and sale, family dynamics, and legacy planning. He earned the Certified Divorce Financial Analyst® designation to provide financial guidance in complex divorce cases, working with families and their legal and tax advisors to achieve favorable outcomes in high-asset divorce situations. Nicholas holds a Bachelor's degree from Portland State University. He is involved in several professional organizations including Brother Rice High School Alumni Association, Cranbrook Schools, Detroit Athletic Club, Michigan State University Alumni Association, Our Lady Queen of Martyrs Parish, and The Hundred Club of Detroit. Additionally, he is engaged in community activities such as the Pope Francis Center. His personal interests include adventure sports, boating, fishing, hiking, skydiving, spending time with family, and traveling.

Nourin El Hamalawi is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and bringing one year of industry experience. Prior to her current role, she was involved in various businesses including Escova Salon and Dairy Freezzz. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, ranging from individuals to institutional clients. The firm employs fact-finding, risk profiling, and modeling tools to tailor non-discretionary planning and encourages implementation through its advisory programs or other providers.