Steven Gretchko is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Wells Fargo Clearing. Additionally, he is involved with Princeton Harriman Insurance Solutions, LLC, where he serves as a financial advisor on a part-time basis. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, using Wells Fargo research and planning tools to develop tailored recommendations across a broad range of planning needs.

Jeffrey Singer is a financial advisor with UBS Financial Services in Birmingham, MI, holding Series 63 and Series 65 credentials and over 45 years of industry experience. His career includes long-term tenures at Prudential Securities Incorporated and McDonald Investment Inc. alongside his current role at UBS. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Robert Elliott is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding a Series 66 license and two years of industry experience. He is involved with Lethemon Financial and Money Evolution, both since 2022, and also operates 87SportsCardsLLC, a non-securities related business. 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 extensive advisor tools and oversight of a large discretionary asset base.

John Lockwood is a financial advisor with J.P. Morgan Securities in Birmingham, MI. He holds the Series 66 designation and has four years of industry experience. His prior roles include positions at Sg Capital Management, Merrill, Bank of America, Morgan Stanley, and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s non-discretionary advisory program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Michelle Pumer is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 1996 and Bank of America since 2009. Outside of her advisory work, she serves as the president of a neighborhood association where she organizes meetings and coordinates speakers on community and city matters. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

Gregory Suzio is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2007, focusing on helping clients identify and achieve their individual financial goals. Greg specializes in areas including college education planning, corporate executive services, divorce transition planning, executive compensation, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Greg earned a Bachelor of Science degree in Mechanical Engineering with High Honors from Michigan State University. He holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® certification, Chartered Retirement Planning Counselor™ designation, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Greg applies his analytical background to manage risk in clients' investment portfolios. He has received recognition from Forbes, being named to the Best-in-State Next-Generation Wealth Advisors list in 2019 and 2020, and the Best-in-State Wealth Advisors list in 2021. Greg lives in Milford with his wife Jodi, their children, Blakely and Griffin, and their two dogs. In his free time, he attends his children's dance and basketball activities and enjoys playing golf with friends.

Matthew Keil is a financial advisor with Morgan Stanley Wealth Management in Bloomfield Hills, MI, holding Series 63 and Series 66 registrations with 26 years of industry experience. His prior experience includes over two decades at Comerica Securities and three years with Ameriprise. Outside of advisory work, he is involved with Financial Oxygen/Maestro, a cash management platform for corporate and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with tailored financial planning and a broad range of advisory programs.

Jonathan Citrin is a Certified Financial Planner (CFP®) with 20 years of industry experience. He is currently with Wells Fargo Clearing Services, LLC, where he has worked since 2020, following prior roles at Ameriprise Financial Services, Inc. and Citringroup. Outside of his advisory work, Citrin is involved in writing and speaking on mindfulness, self-awareness, psychology, and philosophy through his business Citringroup Media and is the author of the book *The General Theory*. He also serves as an election inspector for the City of Birmingham, Michigan. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals, corporations, and institutions. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions using research-based investment approaches.

Nosida Alinj is a financial advisor at Merrill with 9 years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America since 2015. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Suzanne Kuska is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 65 and Series 63 licenses and having 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1995. 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.

Olivia Bowden is a financial advisor at UBS Financial Services with a Series 66 credential and one year of industry experience. Before joining UBS, she worked in various roles at Club Pilates, Talkdesk, Starbucks, and has an academic background from The Pennsylvania State University and Cranbrook Kingswood Upper School. UBS Financial Services provides brokerage and advisory solutions to individual, corporate, and institutional clients, offering services such as fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and utilizes proprietary research and asset allocation models to tailor strategies to clients’ goals and risk tolerances.

Adam Gaddy is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has prior work experience at RSM US LLP and the Illinois Policy Institute. He also has a background that includes roles in higher education and non-profit organizations. 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 combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

Brian Hanigan is a financial advisor at Edward Jones with 30 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Prudential Investment Management Services LLC for ten years before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors across the United States.

Austin Burcar is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Rocket Companies. 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 through a written Recommendation Report and ongoing guidance, focusing on dependable income sources and tax-aware withdrawal strategies.

John Wilkinson is a financial advisor at Osaic Wealth with 31 years of industry experience. He holds the Series 63 designation and previously worked at Woodbury Financial Services and Kingsley Insurance. Outside of his advisory role, he is involved in the sale of health and life insurance products through WIKLUND AND BOND FINANCIAL SERVICES. Osaic Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is known for its scale, affiliate network, and multi-advisor platform.

Michael Dowdell is a financial advisor at Ameriprise with four years of industry experience and a Series 66 designation. His prior work includes roles at The Huntington Investment Company, The Prudential Insurance Company of America, and multiple positions within Morgan Stanley and Bank of America. Before entering the financial sector, he spent 26 years at Bose Corporation. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and annual advice focused on reliable income sources and tax-aware withdrawal strategies. The firm’s retirement income service combines proprietary research and third-party data to support asset allocation and Social Security planning within a managed account framework.

Gus Panos is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 35 years of industry experience. He has previously worked at Merrill Lynch and Bank of America. Outside of advising, he is a general partner of SRGP Holdings, LLC, a Florida-based LLC involved in real estate investment. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipalities. The firm emphasizes tailored financial planning and non-discretionary investment consulting, supported by a broad range of portfolio management styles and affiliated research.

Nancy Goebel is a financial advisor at Ameriprise with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2009. She is based in Sterling Heights, MI. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports covering income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Edward Peck is a financial advisor with UBS Financial Services in Troy, MI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he is associated with Metro Detroit ADS, a publicly traded entity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory solutions, including fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory services.

Mark Genovese is a Series 66 licensed financial advisor with 20 years of industry experience, currently serving at Morgan Stanley in Bloomfield Hills, MI. He has been with Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning for individuals and institutional clients, managing approximately $2.74 trillion in client assets across a range of services.