Kathleen Reuter is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2013 and also has a long career at Williams Sonoma beginning in 2006. 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, pension plans, corporations, and charitable organizations.

Rob Orosz is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial consultants in Novi, MI. He focuses on delivering a client experience that aligns with Fidelity's standards of care. Rob has held leadership roles at Fidelity Investments since 2013, progressing from Branch Service Manager to Assistant Branch Leader, and currently serves as Vice President, Branch Leader since 2025. Throughout his career at Fidelity, Rob has gained extensive experience in branch management and client services. Outside of his professional responsibilities, he enjoys cooking and baking, participating in family activities, fishing, fitness, and running.

Ariel Katz is a financial advisor at Ameriprise with 16 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliates since 2015. Outside of his advisory role, Katz serves on the Board of Directors at Temple Israel and participates in community committees including the ALS Lived Experience Committee and the Great Lakes Z Club. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations, primarily for clients with assets managed through Ameriprise.

Xavier Scott is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. His prior work includes roles at MassMutual Life Insurance Company, Paramount Residential Mortgage Group, and United Wholesale Mortgage. Mass Mutual Investors Services, LLC operates as 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, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Stacey Galloway is a Series 66-registered financial advisor with Edward Jones in Livonia, MI, and has 10 years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions under a fiduciary standard.

Troy Mooyoung is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he serves as a board member of the Charles Tillman Cornerstone Foundation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and supports both direct individual clients and corporate financial planning agreements.

William Dolunt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and 32 years of industry experience. He has been with Cambridge since 2017 and previously worked at Valic Financial Advisors for 12 years. Dolunt serves as a board member for the George F Monaghan Knights of Columbus, a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent financial professionals, offering various portfolio management and model-based investment solutions tailored to client objectives.

Esther Seely is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2024 and has held prior roles in various sectors including food service and education. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence in its approach. The firm applies an ESG eligibility framework when recommending strategies and offers a range of products through its affiliation with the broader J.P. Morgan organization.

Mason Sova is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. His prior work includes positions at Equitable Advisors and DFCU. Mason’s background includes diverse roles before entering the financial sector. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by research and model portfolios.

Ashley E. Lynch is a financial advisor at UBS Financial Services in Birmingham, MI, holding a Series 66 designation with 18 years of industry experience. She has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering proprietary research and various capital markets services.

Kyle Johnson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Team Fioroni at Merrill in 2015 after graduating from Central Michigan University with a Bachelor of Science degree in Personal Financial Planning. Kyle holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kyle’s expertise spans executive compensation, family wealth management strategies, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, small business strategies, and special needs planning. As a CERTIFIED FINANCIAL PLANNER™, he is dedicated to providing clear, practical financial guidance to help clients build security and confidently navigate complex financial decisions. Prior to joining Merrill, Kyle gained industry experience as an Associate Financial Representative at Northwestern Mutual and co-founded the Future Financial Advisors Association at Central Michigan University. In addition to his professional work, Kyle is actively involved in his community. He is a board member at the Meadowbrook Center for Learning Differences and has served as a presidential nominee for the Rochester Rotary Club. Outside of work, he enjoys biking, skiing, soccer, swimming, watching movies, and spending time with his family.

Lea Vigi is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. Prior to joining UBS in 2022, Lea worked at Detroit Public Television for ten years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm integrates institutional trading capabilities with wealth management and delivers advisory services using proprietary research and model-based asset allocations.

Brian Coles is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he serves on the boards of the William A. Pearson Elementary Parent Teacher Organization and the Hartland Gymnastics Booster Club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Alicia Botti is a financial advisor at Ameriprise with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliates since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, delivering detailed, non-discretionary recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Robert Kashat is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked in the mortgage industry with Caliber Home Loans and United Shore Mortgage. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Nicholas Fioroni is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over a decade of experience working with executives, entrepreneurs, and multigenerational families to simplify complex financial decisions. Nicholas focuses on family wealth management strategies, services for defined benefit plans, managing new wealth, and values-based, socially responsible, and ESG investing. As part of Team Fioroni, he emphasizes a systematic and personal approach to wealth management that addresses all aspects of a client's financial life, from retirement planning and business transitions to legacy strategies and complex lending through Bank of America, N.A. Prior to his career in financial services, Nicholas worked as a project coordinator and quality engineer at Caterpillar. He developed an interest in financial advising during internships at Merrill before joining the firm in 2013. He holds a Bachelor of Science degree in Mechanical Engineering from Kettering University and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Nicholas enjoys adventure sports and outdoor activities such as skydiving, mountain biking, white water rafting, hiking, skiing, and traveling. He also pursues interests in cooking, woodworking, and automotive racing including road and autocross events.

Steven Morey is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMORGAN Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage and investment management capabilities.

Christopher Ruifrok is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI, holding a Series 66 designation and 20 years of industry experience. He has worked at Raymond James & Associates since 2018, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Ryan Welch is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2023, he worked at Adamy Valuation Advisors and has held various roles in corporate and educational settings. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio options supported by research from LPL and third-party providers.

Garrett Flynn is a financial advisor at OSAIC with a Series 66 designation and six years of industry experience. He previously worked at Liggett from 2016 to 2022 and attended Michigan State University from 2022 to 2026. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and risk assessments to construct portfolios that include a wide range of investment options.