Joseph Lesner is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Comerica Securities for 18 years, followed by several roles at Ameriprise Financial Services. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Thomas Van Doorne Jr Jr. is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with Ameriprise Financial Services, LLC and previously spent nine years at LPL Financial LLC. He is co-owner of Firma Financial Planning, through which he manages his Ameriprise business. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Lauren Stavale is a financial advisor at Morgan Stanley with 13 years of industry experience. She has previously worked with J.P. Morgan Securities and JPMorgan Chase Bank. Outside of her advisory role, Stavale is involved in fitness and health coaching through Beachbody LLC, where she helps people participate in fitness programs and wellness challenges. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm employs structured planning tools and supports a variety of investment and financial services, including relationships with private funds and structured-product activities.

Frank Griffo is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Timothy Ely is a financial advisor with Morgan Stanley in Troy, MI, holding Series 63 and Series 66 licenses and having 32 years of industry experience. He has been with Morgan Stanley since 2015. Outside of his advisory role, he assists with accounting records for his wife's dental practice. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that incorporate modeling techniques such as Monte Carlo simulations.

Daniel Donohue Jr. is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and a Series 63 license. He has 38 years of industry experience and has worked with MassMutual and its affiliated firms since 1996. Outside of advising, he is involved as an insurance agent, including work related to life settlements. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation requiring separate arrangements.

Daniel Legner is a financial advisor with Cetera in Shelby Township, MI, holding Series 63 and Series 66 registrations and two years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wildfire Credit Union, and Lake Huron Credit Union. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Sarah Horn is a financial advisor at Raymond James & Associates with six years of industry experience. She holds a Series 66 designation and has worked at Raymond James since 2019. Prior to her current role, she spent ten years at Jartll Corp and had a brief tenure at Shades Optical. Raymond James & Associates is a dually registered broker-dealer and investment adviser serving individuals, institutions, and public entities. The firm offers wealth advisory planning, investment consulting, and specialized municipal and public finance services through a large network of over 5,400 advisors and an extensive affiliate structure.

Lord Degraffenreid is a financial advisor with LPL Financial in Troy, MI, holding the Series 66 designation and over 27 years of industry experience. He has been with LPL Financial since 2004 and is a partner and co-owner of Legacy Wealth Management Group, LLC. Outside of his advisory work, he is involved in a partnership operating a Famous Dave’s BBQ franchise. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, financial planning, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various portfolio management options.

Sheila Lobb is a financial advisor with Raymond James Financial, holding a Series 66 designation and 11 years of industry experience. Her prior work includes nearly a decade at Tri-County Nurses Plus LLC and a role at Home Instead Senior Care. She is the founder and secretary of the TASKK Foundation, a nonprofit organization. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individual investors, high-net-worth and non-high-net-worth clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting supported by firm research and an extensive affiliate network.

Helen Terenzi is a financial advisor at Stifel with six years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC and Producers Choice/Raymond James. Outside of her financial career, she has worked with L'Oreal USA in fragrance sales and promotion since 2005. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Christopher Scott is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Cetera Advisors LLC since 2013. Outside of his advisory role, Scott is a part owner of Bultynck & Co., a CPA firm providing audit, review, tax, bookkeeping, and consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via a multi-manager platform that includes both affiliated and third-party managers.

Tari Saylor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. Saylor has been with Merrill since 1983. 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.

Thomas Bellos II is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. Bellos is involved with the nonprofit organization Empty Bowls Detroit, participating in planning and event preparation. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Troy Yaldoo is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2020. Prior to joining Baird, he worked at Wells Fargo Clearing and Wells Fargo Advisors. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, tax-management strategies, and municipal advisory services, supported by internal research and the use of artificial intelligence in client advice.

Julie Bennett is a financial advisor at LPL Financial with 25 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at infinex Investments, Inc. for eight years and Flagstar for over a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options supported by proprietary research and third-party subadvisors.

Sarah Riedel is a financial advisor at Merrill with a Series 66 credential and six years of industry experience. She has worked at Merrill and Bank of America N.A. since 2020 and has held several positions at the University of Michigan and other firms earlier in her career. 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 for individuals, high-net-worth clients, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader corporate platform, providing access to a diverse set of products and services.

Linton Banwell is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 53 years of industry experience. His prior roles include positions at National Planning Corporation and General American, and he has been involved with North American Pension Services LLC since 1970. Outside of advising, he operates North American Pension Services as a sole proprietor administering retirement plans and serves as a licensed real estate agent for his own purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual clients, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a broad range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jonathan Strong is a financial advisor at UBS Financial Services in Troy, MI, holding a Series 66 designation and possessing 20 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and research resources to its clients.

James Cross is a financial advisor at UBS Financial Services with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages conflicts when providing fee-based advisory services.