Joseph Ghanem is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he holds ownership interests in multiple real estate-related businesses and serves as president of a medical center condominium association. 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. The firm employs structured planning tools and manages approximately $2.74 trillion in client assets.

Ryan Mackinder is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He has worked at LPL Financial since 2015, following roles at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory work, he is involved with Capstone Tax Services, LLC, providing tax preparation and related services as an enrolled agent and tax preparer. 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 supported by model portfolios, third-party subadvisors, and customized strategies, with a broad platform that includes financial planning, retirement advice, and institutional programs.

Amy Roberts is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. Her prior roles include positions at Ameriprise and Comerica Securities, where she worked for 24 years. Outside of her advisory work, she is involved in independent insurance brokering and supports clients with a cash management platform. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and various technology tools.

Pamela Randazzo is a financial advisor at Morgan Stanley in Birmingham, MI, with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and manages approximately $2.74 trillion in client assets.

Nicholas Robinette is a financial advisor with J.P. Morgan Securities in Troy, MI, holding a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Door Dash, and various other companies. He has experience outside finance including work with Door Dash and involvement with Lawrence Technological University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Gregory Hoenle is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has previously worked at Woodbury Financial Services Inc and Sii Investments. Hoenle is also Vice President and Co-Owner of Platinum Wealth Management Group, where he provides insurance and fixed annuity solutions, and serves as Vice President of Membership Services for the Advanced Planning Education Group. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, providing discretionary and advisor-managed strategies alongside third-party manager options.

Marcus Gowdy is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to develop customized financial plans tailored to their unique and evolving needs. Prior to his current role, Marcus was a Licensed Banker at JPMorgan Chase & Co from 2010 to 2012. Marcus's approach to financial planning emphasizes forming strong relationships with families built on trust, reliability, and competency. He invites clients to schedule meetings to better understand his methodology and partnership style.

Kailen Hudson is a financial advisor at LPL Enterprise LLC with one year of industry experience. He holds the Series 66 designation and has previously worked at TSM Corporation, Airboss Flexible Products, and FedEx. Outside of his advisory role, he is involved in non-variable insurance activities. LPL Enterprise LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm uses model-driven investment approaches and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Daniel Keller is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2008. 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 individuals, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

William Hawkins is a financial advisor at J.P. Morgan Securities in Utica, Michigan, holding a Series 66 designation with one year of industry experience. His prior roles include positions at New Possibilities Financial Group, William Hawkins (his own insurance agency), Next Door Lending, and Quicken Loans/Rocket Pro TPO. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates ESG criteria where applicable.

Christopher Demetral is a financial advisor with Raymond James Financial in Rochester, MI, holding Series 63 and Series 66 designations and having 24 years of industry experience. He has been with Raymond James since 2008 and operates his practice through Christopher Patrick & Associates, LLC. Outside of advising, he owns and manages real estate through Christopher James Holding Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutions, and corporations. The firm employs tailored, non-discretionary planning and uses a range of analytical tools to support client goals, with notable offerings in municipal advisory services and employer-focused SIMPLE IRA consulting.

Ryan Lewandowski is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include working at Michigan Schools & Government Credit Union and managing his own business, Residential Revival LLC, for five years. Outside of his advisory work, he is involved with an LLC called Catching Fall, which focuses on book and game projects. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a broad suite of financial products.

Cynthia Audish is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she partners with clients to develop and implement lifelong financial plans aimed at providing peace of mind. Cynthia focuses on aligning portfolio investments with clients' specific goals, enabling them to actively manage their financial futures. She brings over 10 years of experience in financial services, having held positions such as Senior Financial Consultant at TD Ameritrade from 2020 to 2021, Financial Representative at Fidelity Investments from 2019 to 2020, Internal Wholesaler at Dunham & Associates Investment from 2017 to 2019, and Agency Owner of Cynthia Audish Insurance Agency, Inc. from 2014 to 2017. Outside of her professional work, Cynthia's interests include cooking and baking, movies, parenthood, reading, volunteering, and writing.

Luke Miracle is a financial advisor with LPL Enterprise, holding a Series 66 designation and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm utilizes model-driven investment implementation through third-party portfolio strategists and offers financial planning, access to asset managers, and participation in a wrap program.

Michael Bochenek is a financial advisor at LPL Financial in Troy, MI, holding Series 63 and Series 66 credentials with 14 years of industry experience. He has been with LPL Financial since 2012. Outside of his primary role, he operates Bochenek Wealth Management as a DBA under LPL. 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 and access to model portfolios and third-party asset managers.

Chris Wilker is a financial advisor with Morgan Stanley in Troy, MI, holding Series 63 and Series 65 credentials and possessing 32 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 1992. Outside of his advisory work, he owns rental properties in Longboat Key, FL, and Glen Arbor, MI. Morgan Stanley Wealth Management provides 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 employs a structured planning process utilizing firm-approved tools and modeling techniques.

Spencer Doty is a financial advisor with Edward Jones in Royal Oak, MI, holding Series 63 and Series 66 credentials and 24 years of industry experience, all with Edward Jones since 2002. Outside of his advisory role, he is involved in managing several commercial real estate and rental property LLCs. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial products. The firm manages over $1 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Roman Wasylyn is a financial advisor with Cetera, holding a Series 66 designation and 26 years of industry experience. He also serves as Vice President of Tax at The Cheesecake Factory, Inc., where he has worked since 2008, and is a board member of the Tax Executives Institute, advising on chapter activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various program structures.

Samieh Emiah is a financial advisor with Edward Jones in Sterling Heights, MI, holding Series 63 and Series 66 designations and 27 years of industry experience. Emiah has been with Edward Jones since 2010. 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, operating under a fiduciary standard and supported by a large nationwide network of advisors and branch offices.

Malcolm Tippins is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Malcolm serves as a board member for Harbour Pointe on the Lake, where he assists with subdivision management. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to tailor investment solutions without sponsoring its own wrap fee program.