Nicholas Clements is a financial advisor at Edward Jones in Canton, MI, with 13 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 over four million individual and institutional clients, offering a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branches.

Thomas Marzonie is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1994. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and input from its Global Investment Committee.

Richard Gurchak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, where he worked from 2009 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Gorman is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Cambridge since 2013. In addition to his advisory role, Gorman is an independent insurance agent representing various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing both proprietary and third-party model strategies across multiple platform arrangements.

Shannon Craggs is a financial advisor at Morgan Stanley in Farmington Hills, MI, holding a Series 66 credential with two years of industry experience. Prior to joining Morgan Stanley in 2022, Shannon was involved with Shorewood Installations LLC for 14 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both retail and institutional services.

James Hern is a financial advisor with OSAIC in Southfield, MI, holding Series 63 and Series 66 credentials and 25 years of industry experience. Prior to joining OSAIC in 2018, he worked at Sii from 2015 to 2018. He is also vice president and minority shareholder of Michigan Financial Companies, Inc., where he is involved in sales and marketing of fixed annuities, securities, and investment advisory products, and serves as a non-voting board member of Beals, Caruana & McVety Wealth Strategies. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors and multiple platforms. The firm employs a range of asset-allocation tools and manages portfolios using various investment vehicles across discretionary and non-discretionary accounts.

Eric Wolf is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cetera Advisors LLC, Cetera Investment Advisers, First Allied Securities, Inc., and Valic Investment Services Company. Outside of his advisory role, he is involved in insurance as an agent and operates his own insurance agency, Eric Wolf Insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and diverse portfolio management options.

Jennifer Justice is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2012. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Michael Karam IV is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 designation and has held roles at Royal Alliance and Michigan Financial Companies. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a network of advisers and advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, using quantitative tools and multiple investment options to construct portfolios managed on discretionary or non-discretionary bases.

Amy Majeske is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 16 years of industry experience. She has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets solutions supported by proprietary research and data analytics.

Carter De Long is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Equitable Advisors, LLC, and Bank of America. Outside of his advisory work, he serves as a trustee of his parents' estate. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Maxwell Margetich is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. His work history includes roles at Fidelity Investments and Fidelity Brokerage Services, as well as positions in various other industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Richard Welsh is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines in Novi, MI. He has worked with the firm and its predecessors since 2012, including Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term investment approach across various account types.

Kevin Krym is a financial advisor with Raymond James Financial in Livonia, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James since 2002, including 17 years at its current incarnation, and also owns Krym Investment Services, LLC. Outside of his advisory role, Krym serves as an agent for GBU Financial Life, which promotes German cultural activities and community involvement while offering fixed annuities. 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, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors and specialized programs.

Kyle George is a Financial Consultant at Fidelity Investments. He works closely with clients to develop financial plans tailored to their goals by understanding their priorities and utilizing Fidelity's tools and resources for analysis. He emphasizes client comfort with their plans and maintains adaptability to accommodate changes over time. Kyle has held multiple roles at Fidelity Investments, including Financial Consultant, Financial Consultant 1, Planning Consultant, Relationship Manager, and Financial Representative, reflecting a progression of experience within the firm since 2022.

Jennifer Marlow is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works with clients to identify and achieve their financial goals by creating plans tailored to their specific situations. Jennifer is part of a team focused on building long-term relationships with high-net-worth individuals, families, and business owners. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Central Michigan University. Jennifer's approach centers on designing strategies that help clients turn their goals into reality, considering their personal perspectives and priorities throughout the process.

Lawrence Zebko is a financial advisor at Raymond James & Associates with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Raymond James & Associates since 2000. 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, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Frank Lewis II is a financial advisor at Merrill with 35 years of industry experience. He has held positions at Merrill since 1991 and has also been affiliated with Bank of America, N.A. since 2011. Lewis holds Series 63 and Series 66 licenses. He serves as a trustee for several trusts, including a not-for-profit trust and investment-related fiduciary roles. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing both model-based and discretionary investment strategies primarily for individuals, high-net-worth clients, and institutional investors.

Jeffrey Bearance is a financial advisor with OSAIC in Southfield, MI, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at Royal Alliance Associates, Inc. and John Hancock Life Insurance Company. He is also co-founder of Elizabeth's Closet, a nonprofit involved in fundraising and corporate sponsorships. OSAIC serves a diverse range of retail and institutional clients through a broad network of advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and risk management techniques to build portfolios across multiple asset classes, managing accounts on both discretionary and non-discretionary bases.

Mason Dado is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and PwC. Outside of advising, he works as a real estate agent involved in buying and selling homes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program structures.