Jessica Larive is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds Series 66 and Series 63 licenses. Her career includes roles at J.P. Morgan Securities since 2021 and eleven years at JPMorgan Chase Bank, N.A. Outside of finance, she was involved with Summit Sports LLC and operated a business called Pure Romance By Jessica Quintana. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Lawrence Rosenberg is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 25 years of industry experience. He has been with LPL Financial since 2001. Rosenberg is involved in tax preparation and accounting services in addition to his advisory role. 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, financial planning, and retirement consulting, with access to model portfolios, research, and various investment management options.

James Reid is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2011. Outside of his advisory role, he is involved with The Town Pump Saloon, a limited liability company based in Lake City, Michigan. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Barash is a financial advisor with Wells Fargo Clearing in Farmington Hills, MI, holding Series 63 and Series 65 licenses and 10 years of industry experience. He previously worked at First Allied Advisory Services and First Allied Securities. Outside of his advisory role, he serves as a commissioner for the West Bloomfield Parks and Recreation Commission. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary plan-level investment management. The firm’s approach includes a wide range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Jonathon Krempa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

C Lembesis is a financial advisor with Ameriprise, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he serves on the Board of Directors and Parish Council of Sts. Constantine and Helen Greek Orthodox Church. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals with substantial investable assets. The firm utilizes a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations.

Sonya Maniaci is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2010. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jason Trzcinski is a Series 66-licensed financial advisor with 27 years of industry experience, currently practicing at LPL Financial since 2014. He serves on the board of Lake Superior State University, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Luke Nowacki is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance Associates, Sii, and John Hancock. Outside of his advisory role, he serves as a general partner in a property management business focused on residential rentals. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios across various asset classes.

Matthew Stirling is a financial advisor with OSAIC who holds a Series 66 designation and has 10 years of industry experience. He worked previously at SII before joining OSAIC in 2018. Outside of his advisory role, Stirling is actively involved in hockey coaching and administration, serving as head coach for the Oakland University hockey team and holding leadership roles within the Michigan Collegiate Hockey Conference. OSAIC Wealth, Inc. serves a diverse client base, including retail and institutional investors, through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, using various tools and third-party platforms to construct and manage portfolios across multiple asset classes.

David Kent is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory work, he serves as an election official in Livingston County, Michigan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Lee Napier is a CFP® and holds a Series 66 license, with 13 years of experience in the financial industry. He has worked with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard.

Spencer Warn is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Financial Services from 2016 to 2019. Outside of his advisory role, he volunteers as president of a local business networking group. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary account options.

Charles Witt is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior work history includes roles at Center Management Services, Inc., Zeal Development Group, and several other firms. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Gregory Dadian is a financial advisor at Morgan Stanley with 26 years of industry experience. He has held positions at Morgan Stanley since 2010, including eight years with Morgan Stanley Private Bank, N.A. He holds the Series 63 and Series 66 securities registrations. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Joseph Ciaramitaro is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Raymond James & Associates since 2003. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a variety of portfolio management styles and affiliated research.

Chad Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Timothy Fliam is a CFP®-certified financial advisor with 11 years of industry experience, currently with Edward Jones since 2017. He previously worked at CETERA Advisor Networks LLC and serves in the United States Navy Reserves as a Hospital Corpsman. Outside of his advisory role, he officiates high school football during the fall season. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors, and offers a range of advisory programs with over $1 trillion in assets under management.

Steven Arnold is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with LPL Financial since 2008 and has also operated Financial Focus LLC since 2006. Arnold served in the United States Marine Corps Reserves for 26 years. He is active as a seminar speaker and provides tax preparation and consulting services through a related accounting LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology such as machine learning to support diversified investment strategies.

David Mooradian is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through dedicated Financial Advisors and specialized strategies.