Jennifer Kempf is a financial advisor at UBS Financial Services with 19 years of industry experience. She previously worked at Merrill for 16 years before joining UBS in 2025. Kempf holds Series 63 and Series 65 licenses and serves clients from Ann Arbor, Michigan. She is also a trustee of a family trust managing investment decisions for minor beneficiaries. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and capital market assumptions to tailor client strategies.

Jacob Newman is a Series 66 licensed financial advisor with Equitable Advisors, located in Plymouth, MI. He has one year of industry experience and previously worked at Fidelity Investments. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through program sponsors and endorsed third-party managers, offering both discretionary and non-discretionary advisory solutions.

Bradford Newsome is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with OSAIC and has previously worked at The Colony Group, Buckingham Strategic Wealth, Wasserman Wealth Management, and Merrill Lynch. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing advanced asset-allocation tools and multiple third-party platforms to construct and manage portfolios across various asset classes.

Rachel Meekhof is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to her financial services career, she held positions at several companies including Memphis Pizza Cafe and Bayer CropScience. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.

Michael Ajlouny is a financial advisor with UBS Financial Services in Plymouth, MI, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services 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 leverages proprietary research and model-based asset allocations to tailor client strategies.

Ernest Hughes is a CFP®-credentialed financial advisor with Raymond James Financial in Plymouth, Michigan, bringing 49 years of industry experience. He has been with Raymond James Financial Services since 1999 and has served as a joint executor for his mother since 2018. Outside of advising, he owns a support company, First Financial Strategies, Inc. 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, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Rita Orow is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked within various divisions of JPMorgan Chase and JPMorgan Securities since 2016. 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. The firm operates with a non-discretionary advisory model and integrates institutional advisory services with brokerage and investment management capabilities.

Erold Merko is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding Series 65 and Series 66 licenses with 17 years of industry experience. Prior to joining Raymond James in 2021, he worked at TIAA and TIAA-CREF from 2012 to 2021. Outside of his advisory role, he co-owns a rental property in Bonita Springs, Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, drawing on a range of portfolio management styles and affiliated research.

Jacob DePillo is a Financial Consultant at Fidelity Investments, focusing on partnering with individuals and families to help them work toward their financial goals. He collaborates with clients to build personalized financial plans and find strategies tailored to their priorities. He has held roles at Fidelity Investments since 2023, initially as an Investment Consultant before becoming a Financial Consultant in 2024. Prior to that, he served as a Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, a Financial Advisor at MassMutual Great Lakes from 2020 to 2021, and a Financial Consultant at Equitable Advisors from 2019 to 2020. Outside of his professional work, Jacob enjoys baseball, family activities, football, golf, spending time at the lake, and traveling.

Dennis Mooradian is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets beginning in 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Global Investment Committee return estimates.

Jason Davis is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Knepp Financial Group, LLC and FSC Securities Corporation in prior roles. In addition to his advisory work, Davis owns Knepp and Associates Tax Service, where he prepares clients’ tax returns during the tax season. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and multiple investment strategies to manage portfolios on both discretionary and non-discretionary bases.

Mark Mccormick is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having also worked at JPMorgan Chase Bank, N.A. since 2000. 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 delivers advisory services alongside affiliated brokerage and investment management capabilities.

Linda Barrows is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and having 31 years of industry experience. She has been with Primerica Financial Services since 1995 and Primerica Advisors since 2001. Outside of advising, she is the author of the book *Flirting With Stupid*, a publishing project she has been involved with since 2022. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Norman Turfe is a financial advisor at Edward Jones with 34 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1991. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is notable for its large nationwide network of advisors and branch offices.

Scott Skowronski is a financial advisor with Raymond James & Associates in Plymouth, MI. He holds Series 63 and Series 65 credentials and has 29 years of industry experience, including prior roles at Ameriprise and Comerica Securities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm provides financial planning and consulting through a variety of programs and offers municipal advisory services along with a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Andrew Hinrichs is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. He previously worked at Voya Financial Advisors and has been with Cetera and its affiliated entities since 2018. Outside of advising, Hinrichs co-owns Futbol Is Life LLC, a memorabilia sales business where he serves as CFO and small business consultant. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services with a multi-manager platform that includes both affiliated and third-party managers.

Kenneth Weiss is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Cetera. He has been affiliated with Cetera and related entities since 2016. In addition to his advisory role, he is involved in financial planning through David A. Jaffa and Company and holds a license to sell life, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various program options and access to affiliated and third-party managers, overseeing over $256 billion in assets under management.

Marc Van Solkema is a financial advisor at Edward Jones with 30 years of industry experience. He has been with Edward Jones since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns a rental property in White Lake, Michigan, managed by a third-party company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Craig Felhandler is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 66 credentials and 30 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for five years and has two separate tenures at LPL Financial totaling 11 years. Felhandler Financial, his personal business, focuses on non-variable insurance related to his investment advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management alongside model portfolios, third-party research, and various institutional programs.

Matthew Beleski 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 2010 and JPMorgan Chase Bank, N.A. since 2013. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver a range of advisory and brokerage services.