Robert Frank III is a financial advisor with LPL Financial, holding the Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Sigma Financial Corporation, and Spc. Outside of advising, he is involved with Producers Choice Network, a non-variable insurance business, and RHF Ill Investments, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services supported by proprietary and third-party research and technologies.

John Meldrum is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds the Series 63 and Series 66 designations and has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

Michael Bellware is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and 25 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and has been affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning facilitated by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through Corporate Financial Planning agreements.

Timothy Kopchick is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and bringing 16 years of industry experience. He has previously worked with Avantax Advisory Services and Avantax Investment Services, and he is a partner at Kopchick & Company, P.C., where he practices tax and accounting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a multi-manager platform with various portfolio management and planning services across discretionary and non-discretionary authorities.

Amanda Whitmore is a financial advisor with Primerica Advisors in Troy, MI, holding Series 65 and Series 63 credentials and eight years of industry experience. Her prior work includes roles at Shipt and NBS Commercial Interiors, alongside long-term positions with PFS Investments Inc. and Primerica Financial Services. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients through a large network of advisors. The firm employs model-delivery strategies developed by unaffiliated asset managers and offers advisory services primarily to non-institutional clients.

Kevin Pickard is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment committee insights as part of its financial planning process.

Joseph Kelly is a financial advisor with Merrill in Sylvan Lake, Michigan, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Merrill since 2009 and also with Bank of America since 2010. Outside of his advisory role, he owns Misneach Caim, LLC, a business organization, and serves as an advisory board member for Coral Springs Resort, a nonprofit entity. 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 a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients, utilizing internal and third-party managers.

Lee Yambura is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1981 and Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Marsh is a financial advisor with LPL Financial in Macomb, MI, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with LPL Financial since 2016. Marsh holds a Michigan Notary Public Commission. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Christopher Denis is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. He has progressed through various roles at Fidelity, starting as a Financial Representative in 2023, then moving into positions as an Investment Consultant and Financial Consultant before assuming his current role. In his work, Christopher focuses on assisting individuals and families in identifying and striving to achieve their financial goals through an individualized planning process. His efforts are centered on helping clients accumulate and protect their wealth using sound investment strategies. Outside of his professional responsibilities, Christopher enjoys attending concerts, exploring culinary experiences, following football, participating in social events with friends, watching movies, and spending time with pets.

Erik Burger is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2017 and has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets and utilizing structured planning tools such as Monte Carlo simulations to model financial outcomes.

Daniel Thomas Jr. is a CFP® with 45 years of industry experience, currently with OSAIC in Troy, MI. He has worked at ING Financial Partners Inc. since 2004 and owns Thomas Financial Group LLC, which he has operated since 1997. Outside of his advisory work, he serves as a director on the board of a condominium association in Florida, where he participates in governance but does not handle finances. OSAIC serves a diverse range of clients including individual and institutional investors, providing integrated brokerage and advisory services supported by firm-developed asset allocation tools and access to third-party investment platforms.

Damoni Ealy is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to develop financial strategies tailored to their unique goals and circumstances. His approach emphasizes understanding what clients and their families value most, with the aim of helping them pursue their financial objectives. Damoni holds a Bachelor's Degree from Grand Valley State University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through his role at Merrill Lynch, he facilitates access to global investment resources as well as credit, lending, and banking services offered by Bank of America.

Casey Sage is a financial advisor at Raymond James & Associates with four years of industry experience. Prior to joining Raymond James in 2021, Sage worked for Walled Lake Consolidated Schools for 13 years. Outside of advising, Sage serves as Community Relations Director for The Alexander Foundation, a charity supporting families of children with craniofacial diseases, and previously held a senior role in an online activewear business. 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 tailored financial planning and consulting with a range of investment strategies and municipal advisory services.

Nicole Morgia is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch Pierce Fenner & Smith since 2016. 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 multiple investment strategies including model-based and discretionary approaches, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Hessler is a financial advisor at LPL Enterprise with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at NYLIFE Securities LLC and New York Life Insurance Company for three years. Outside of his advisory career, he is involved with Papa Bee Farms, a venture he has operated since 2018. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party asset managers, and integrated financial product sales through its broker-dealer and affiliated insurance entities.

Ann Escandon is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. She has been with Thrivent Financial and its investment management arm since 2015. Outside of her advisory role, she is also a Mary Kay beauty consultant. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based planning across a wide range of financial topics. The firm offers planning as a one-time or ongoing service, separate from portfolio management, and supports integration with managed accounts through its WealthPlan billing option.

John Downey is a financial advisor at Edward Jones with 15 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Kellie Champagne is a financial advisor with LPL Enterprise in Troy, MI, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC, as well as a decade at Ken-Rich Concrete Lifting. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, consulting, and access to various investment and insurance products through its integrated advisory and brokerage platform.

Thomas Warner is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and five years of industry experience. He has previously worked at Equitable Advisors, AXA Advisors, and operated InvestWise Wealth Management, INC., an independent advisory brand affiliated with Caitlin John, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, retirement plan, institutional, and charitable clients through a national network of investment adviser representatives, offering a range of financial planning, advisory, and brokerage services with both discretionary and non-discretionary management options.