Kelly Mckinney is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves as a committee member of the Oakland Schools Parent Advisory Committee, which focuses on issues related to children with special needs. 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 high-net-worth individuals, institutions, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research resources.

Kelli Mcdonell is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 2005. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Armin Niksimaee is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024 and as an Underwriter at United Wholesale Mortgage from 2021 to 2022. His work focuses on partnering with clients and their families to develop comprehensive financial plans aimed at achieving their financial objectives and providing peace of mind. Armin's approach involves co-creating sustainable financial strategies tailored to each client's unique goals. Outside of his professional responsibilities, he has interests in cars, comedy, food, golf, and music.

Andrew Grabinski is a financial advisor with Raymond James & Associates in Auburn Hills, MI, holding the Series 66 designation and bringing 20 years of industry experience. He has been with Raymond James & Associates since 2007 and has worked at Oakland University since 2003. 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, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Jennifer Ball is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She previously worked at Wells Fargo Clearing for six years before joining Ameriprise in 2018. Outside of her advisory role, she serves as a troop leader for a Girl Scout troop, where she facilitates volunteers and supports school events. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning, dependable income sources, and tax-aware withdrawal strategies. The firm’s approach combines proprietary and third-party research with structured planning tools, operating within an investment framework influenced by its affiliated products and arrangements.

Jialin Li is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Li worked at Bank of America from 2022 to 2025. Outside of advising, Li is the owner of Elseven LLC, an inactive entity initially intended to support a family social media channel. 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, and institutions, utilizing internal and third-party managers.

Anuj Rama is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to this, he worked at Wayne State University and Mortgage Center LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by quantitative modeling tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers advisory solutions through its Financial Advisors and Estate Planning Strategies Group.

Timothy Dimock is a CFP® and ChFC® with 31 years of experience in the financial services industry. He has been with J.P. Morgan Securities and affiliated entities since 2005, holding roles at Chase Investment Services Corp. and Banc One Securities Corporation prior to that. He is based in Birmingham, MI. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory approach combines quantitative and qualitative research to deliver written asset allocation advice and customized reporting, with clients retaining final decision-making authority.

Cory Miglio is a financial advisor with J.P. Morgan Securities in Shelby Township, Michigan. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A. dating back to 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team, with recommendations limited to eligible strategies and selective use of ESG criteria.

Christopher Kherkher is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its advisory process and offers broader derivatives and commodities capabilities relative to many institutional advisory programs.

Trenton Zylinski is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Uniservices since 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework where appropriate.

Susan Burns is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2015. She serves as a trustee in a fiduciary capacity for a non-investment related entity. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeff Biernat is an Investment Management Consultant II at Fidelity Investments, a role he has held since 2023. He has extensive experience in the financial services industry, having worked as a financial advisor at Allstate Financial Services, LLC from 2005 to 2023, Huntington Investment Company from 1998 to 2005, and Morgan Stanley in 1998. Throughout his career, Jeff has focused on helping clients and their families develop comprehensive financial plans aimed at achieving long-term peace of mind. He collaborates with clients to understand their goals and aspirations, co-creating financial strategies that utilize Fidelity's resources. Outside of his professional work, Jeff enjoys boating, hiking, kayaking, running, and traveling.

Timothy Moran is a financial advisor with Wells Fargo Advisors in Rochester, MI, holding Series 63 and Series 65 licenses and with 36 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009 and owns Moran and Company Investment Consulting Group. He also serves as a trustee and holds power of attorney responsibilities for family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop customized recommendations.

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 has prior experience at Plante Moran Financial Advisors, Northwestern Mutual, and J.P. Morgan. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and firm-developed investment models.

Kristin Braniff is a financial advisor at Raymond James Financial with six years of industry experience. She holds a Series 66 designation and has worked at various Raymond James entities since 2015. Outside of her advisory role, she is associated with Probst WM, LLC, a non-investment-related support company in Auburn Hills, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through advisory programs and partnerships, with a notable affiliation to municipal advisory services.

Justin Williamson is a financial advisor at LPL Financial with 23 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at Commonwealth Financial Network, Center for Wealth Management, Mass Mutual Investors Services, and MetLife Securities. Williamson is a co-owner of Center for Wealth Management, LLC, where he spends the majority of his time managing securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, while supporting advisors with technology tools for research and operations.

Jacob Brauer is a financial advisor with Edward Jones in Warren, MI, holding a Series 66 designation and three years of industry experience. He previously worked at Mass Mutual Investors Services and has a background that includes roles with Young Entrepreneurs Across America and Michigan State University. Outside of his advisory work, Brauer serves as an on-ice official for youth hockey games with USA Hockey. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Mark Kaiser is a Series 66 licensed financial advisor with Ameriprise, based in Rochester, Michigan, and has 20 years of industry experience. He has been with Ameriprise Financial Services since 2016. Outside of his advisory role, Kaiser manages Mee Sun Management, LLC, a business focused on general management and employee-related expenses, and holds a consulting position with Reider Holdings, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Ciaramitaro is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2019, including a prior period of employment from 2019 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.