John Krakowiak is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 65 and Series 66 licenses and 12 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016, and previously worked at DeRoy & Devereaux Private Investment Counsel, Inc. from 2010 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Catherine Beattie is a financial advisor with Merrill in Farmington Hills, MI, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill since 1993. 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, and institutions.

Dmitri Knysh is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc. from 2015 to 2017. Dmitri is also the owner of Knysh Financial Inc., an entity for processing investment advisory compensation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Daniel Baldwin is a financial advisor at LPL Financial with a Series 66 designation and four years of industry experience. His prior roles include positions at The Resource Group, Jackson National Life, and Lear Corporation. Baldwin also provides tax preparation and accounting services through Baldwin Capital Tax Services. 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 services, including financial planning, model portfolios, and access to third-party asset managers, supported by technology tools for operational and research purposes.

Paul Schultz is a financial advisor with Raymond James & Associates in Plymouth, MI, holding a Series 66 designation and 22 years of industry experience. He has been with Raymond James & Associates since 2010 and served 13 years with the Garden City Soccer Club. Raymond James & Associates, Inc. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mark Karwaski is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding CFP® and Series 63 designations and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs supported by structured planning tools and the firm's Global Investment Committee.

Michael Rybka is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a part of the Kulhavi team for the past seven years, bringing over 25 years of experience in the financial services industry since beginning his career at Merrill in 1992. Michael specializes in wealth management for high-net-worth individuals and families, offering a comprehensive, goals-based approach that extends beyond portfolio management to include investment, financial, estate, tax, and liability planning. He also works with small and mid-size companies to develop customized retirement benefit programs, including 401(k) plans that meet regulatory requirements and address the needs of both employers and employees. Michael holds a bachelor's degree from Wayne State University's Business School and holds multiple professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is an active member of the Catholic organization Legatus. Michael and his wife Maureen, both born and raised in Dearborn, Michigan, reside in Northville and attend Our Lady of Good Counsel in Plymouth. They have two children, Maggie and Alex, and two grandchildren. Michael enjoys golfing, running, and spending time with his family.

Sandra Duley is a financial advisor at Edward Jones in Plymouth, MI, holding Series 63 and Series 66 credentials with 23 years of industry experience. She has been with Edward Jones since 2007. 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 and managed solutions, operating under a fiduciary standard and is notable for its extensive nationwide network of advisors and branch offices.

Wayne Phillips is a financial advisor with Ameriprise in Detroit, MI, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Phillips serves on several nonprofit boards, including the MCOD Scholarship Foundation and the Omega Historic Preservation Foundation. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jessica Chiang is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Farmington Hills, MI. She has 11 years of industry experience, including prior roles at Morgan Stanley and various positions within JPMorgan Chase and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

David Graham is a CFP®-designated financial advisor with J.P. Morgan Securities in Detroit, MI, bringing 15 years of industry experience. His prior roles include positions at Merrill and Fifth Third Securities. Outside of his advisory work, he is involved in a real estate rental business through Prolific Life Properties LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research in its due diligence, integrating an ESG eligibility framework where applicable.

Joshua Elliott is a financial advisor with Merrill in Northville, MI, holding Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Fifth Third Bank, and Cornerstone Community Financial. Merrill, along 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.

Travis Prince is a financial advisor with J.P. Morgan Securities in Belleville, MI, holding Series 63 and Series 66 licenses with three years of industry experience. His prior roles include positions at Georgetown Prince Wholesale LLC, JPMorgan Chase Bank, AmeriSave Mortgage Corporation, Safeway Lending LLC, Rocket Mortgage, and Comcast. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework. Their advisory process combines quantitative screens and qualitative research to develop model asset allocations and incorporates broader derivatives and commodities capabilities uncommon in many institutional advisory programs.

Luke Youvon is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience at Sigma Financial, Amax Lending, Art Craft Display, and Walled Lake Northern High School. Outside of his advisory role, he is involved with Clarity Tax Professionals, LLC, assisting with tax preparation and administrative support. 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 retirement-income planning advice based on investment research, third-party data, and algorithmic tools, focusing on dependable income sources and tax-aware withdrawal strategies.

Nicholas Sabo is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience with Equitable Advisors, LLC. Outside of his advisory role, he has worked in various positions including at Crunch Fitness and Pure Car Wash. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor-facing tools and a broad non-advisory financial services network.

Nicole Farrell is a financial advisor with LPL Financial based in Northville, MI. She holds the Series 65 and Series 63 designations and has seven years of industry experience. Prior to joining LPL in 2021, she worked at WWK Advisors, LLC and WWK Investments, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Rick Hart is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on goal-based analyses covering a wide range of planning topics and offers clients the option to combine planning with managed accounts under a consolidated billing program called "WealthPlan."

Arthur Kachur is a financial advisor with Mass Mutual Investors Services in Southfield, MI, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at The Sunshine Co, LLC and NovaTech Wireless. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Douglas Osborn is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include positions at Concorde Asset Management, L.M. Kohn & Company, and Asset Management Consulting Group LLP. Outside of his advisory work, he serves on the finance committee of St. Joseph Catholic Parish, which oversees significant parish expenditures. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory support to deliver these services, emphasizing the use of Ameriprise-managed accounts and affiliated investment products.

Raphael Salim is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at J.P. Morgan Securities since 2021 and has previous experience at JPMORGAN Chase Bank, N.A. and Sunoco. Outside of his advisory role, he is a partner in a real estate business, P&R Management LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative due diligence and offers access to a range of eligible investment strategies, including those with ESG considerations.