Charles Ciaramitaro is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2019, including a prior period of employment from 2019 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Alec Tropea is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 65 and Series 63 licenses and eight years of industry experience. Prior to joining Raymond James in 2018, he worked in the restaurant industry at Brooklyn Pizza and was affiliated with Oakland University. Raymond James & Associates is a large broker-dealer and registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services through various programs and draws on multiple portfolio management styles supported by affiliated research and sub-advisers.

Rachel De Fer is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and seven years of industry experience. She has been with Morgan Stanley since 2018 and previously worked at Cintas Corporation from 2016 to 2018. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers various investment services through advisory and brokerage platforms.

Christopher Stewart is a financial advisor with J.P. Morgan Securities in Rochester, MI, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2013. 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 within a non-discretionary program. Their advisory process uses centralized due diligence combining quantitative and qualitative research to build model asset allocations, including ESG considerations.

Edmond Lynch is a CFP® professional with 33 years of experience in the financial industry. He has been with Edward Jones since 1996. Outside of his advisory role, he serves on the board of Bridge Innovations LLC, a technology app developer. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Vidya Shah is a financial advisor at LPL Enterprise with 43 years of industry experience. She holds the CFP® and ChFC® designations and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC. Shah also serves as a licensed insurance agent with appointments related to long-term care, disability, and health insurance. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Robert Wilson is a CFP®-certified financial advisor with 38 years of industry experience. He has been with Ameriprise since 2005, currently serving at their Sterling Heights, MI office. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities, employing algorithmic tools and oversight committees to support its retirement planning services.

Anthony Tuzzolino is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2014, following five years at PNC Wealth Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria within its eligible strategies.

Alyssa Tropea is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. She has been with Raymond James & Associates since 2012. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Amanda Henderson is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Outside of her advisory role, she owns and operates Henderson Homestead, a retail and online store based in Saint Clair, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by advanced modeling tools.

James Guisinger is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2007. Outside of his advisory role, he serves on the finance committee of the Manresa Jesuit Retreat House, a nonprofit organization, where he assists in budgeting and expense review. 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, institutions, pension plans, and charitable organizations—offering financial planning, investment consulting, and institutional advisory services.

Christopher Roberts is a financial advisor at Cetera with 34 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at VOYA Financial Advisors and Somerset Financial Group. Roberts is a senior partner at Horizon Advisers, where he is involved in financial education through Horizon Adviser University. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers multiple investment and financial planning services through a multi-manager platform with access to various model portfolios and third-party managers.

David Cox is a financial advisor with Ameriprise in Southfield, MI, holding Series 63 and Series 66 designations and with 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Charles Phillipson is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 credentials and 31 years of industry experience. His prior firms include UBS Financial Services and Comerica Securities. Outside of his advisory work, he officiates high school and junior college football and basketball games, and he is a trustee and president of the Foundation for Excellence, a nonprofit organization. Raymond James & Associates, Inc. serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting. The firm utilizes multiple portfolio management styles supported by research and provides municipal advisory services in addition to its brokerage and investment advisory functions.

Kelly Cullen is a financial advisor at Morgan Stanley in Troy, MI, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Cullen worked at MassMutual from 2019 to 2022 and spent four years at the University of Illinois at Chicago. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutional clients, including customized financial planning supported by proprietary tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

John Firek is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 13 years of industry experience. He has been with Raymond James & Associates since 2016. 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 advisory services.

Matthew Spickler is a Senior Financial Advisor and partner with The Spickler Wealth Management Group at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2017, he has focused on providing a holistic approach to managing clients' wealth by listening to their needs and helping ensure their strategies align with their goals. His clients include families, individuals, and business owners planning for retirement, as well as younger investors managing inherited assets or significant savings. Matthew's expertise encompasses areas such as divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and values-based investing, and retirement income. His process involves organizing all aspects of clients' financial lives to create long-term plans that keep them on track with their objectives. He has been recognized as a member of The Spickler Wealth Management Group on Forbes' "America's Top Wealth Management Teams High Net Worth" list in 2022 and 2023, as well as the "Best-in-State Wealth Management Teams" list in 2023 and 2024. Matthew holds a Bachelor's Degree from Michigan State University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Rotary Club of Detroit and has received the Youth Citizen Service Award. Outside of his professional work, Matthew enjoys adventure sports, billiards, camping, chess, music, reading, spending time with his family, traveling, writing, and yoga.

Sarah Mccarthy is a financial advisor at Stifel with eight years of industry experience. She holds the Series 66 designation and has worked at Stifel Nicolaus since 2018. Prior to her career in finance, she spent two years at Victoria's Secret and seven years at Michigan State University. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group and provides fee-based financial planning alongside recommendations for third-party advisers.

Anita Taymore is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. Her prior roles include positions at Fidelity Investments, JP Morgan Securities, and Primerica Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 advisors, offering both brokerage and advisory solutions.

Patrick Moran serves as a Wealth Management Advisor with AMDG Wealth Management, affiliated with Merrill Lynch Wealth Management. He holds the title of Senior Portfolio Manager and has been working closely with ultra high net worth families since 2014. His professional focus encompasses wealth planning, analysis, and asset allocation, aiming to assist clients in managing and preserving significant wealth effectively. As a Senior Portfolio Manager, he manages personalized and defined strategies on a discretionary basis, incorporating various investment approaches including individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick's experience includes guiding families through the complexities of wealth management by addressing broader considerations beyond investments, such as planning, lending, philanthropy, and liquidity events. His advisory approach emphasizes understanding each family's unique values and goals, with services tailored to areas including college education planning, divorce transition planning, legacy planning, and tax minimization. He is recognized for his role in helping clients achieve financial success while maintaining a focus on consistent and prudent investment strategies. Originally from Michigan, Patrick earned a Bachelor of Science degree in Business from Le Moyne College. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Patrick resides in Bloomfield Hills, Michigan, with his wife and children. Outside of his professional duties, he enjoys golfing, ice hockey, traveling, and spending time with his family.