Lucas Thomas is a financial advisor with Osaic Wealth in Bloomfield Hills, Michigan, holding a Series 66 designation and three years of industry experience. Prior to joining Osaic, he worked at FSC Securities and spent nine years with Easterseals Michigan. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm employs a model-based investment process and supports implementation through discretionary management, third-party managers, and proprietary strategies.

Angelo Fontanesi is a financial advisor with Ameriprise in Farmington, MI, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise since 2010, including six years at the current firm. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling to deliver tailored, non-discretionary advice through a centralized consulting team.

Howard Margolis is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 credentials and over 33 years of industry experience. His prior roles include positions at Stifel Nicolaus & Co Inc, City National Bank, RBC Capital Markets, Clarfeld Financial Advisors, and Citizens Securities. He serves as a board member for St. Joseph's Helpers, a nonprofit focused on providing basic home maintenance and repairs to those in need. Raymond James & Associates 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, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, supported by extensive research and a range of portfolio management styles.

Nicola Guerra is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and 17 years of industry experience. He has been with Bank of America and Merrill Lynch since 2009. Guerra also serves as a fiduciary with power of attorney responsibilities outside his advisory role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Stacy Geiersbach is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors. The firm combines internal and third-party management teams with strategic asset allocation and tax-aware investment options.

Michael Finkelstein is a CFA® credentialed financial advisor with 15 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously spent 17 years with Northpointe Capital, LLC. He also maintains an insurance practice through Princeton Harriman Insurance Solutions. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, with clients able to choose implementation through various brokerage and advisory programs.

Jennifer Mains is a Wealth Management Advisor with Merrill Lynch Wealth Management, part of The Briggs Group based in the Bloomfield Hills Merrill office. She joined Merrill in 1995 and has been a financial advisor since 2002. Jennifer focuses on developing strategies for high-net-worth individuals, their families, and their businesses to help them meet their short- and long-term financial goals. Her approach is consultative and objective, emphasizing listening to clients, reviewing their financial situations, and offering recommendations that align with their income, growth expectations, time horizon, risk tolerance, and liquidity needs. She also conducts regular reviews to track progress and adjust strategies as clients' circumstances change, leveraging resources including estate, trust, and wealth management lending specialists to connect all aspects of clients' financial lives. Jennifer holds a B.S. in Public Resources Management from Michigan State University, earned in 1993. She is a CERTIFIED FINANCIAL PLANNER® certificant since March 2022 and holds the Chartered Retirement Planning Counselor™ designation. Jennifer has Series 7 and Series 66 FINRA registrations and licenses in Accident, Life & Health Insurance. She is also a Personal Investment Advisor. Jennifer values connecting with the communities she serves and participates in volunteering activities. She is an active member of the Detroit Athletic Club. She and her husband, Bill, reside in Waterford, Michigan, with their two children. Her personal interests include boating, cooking, spending time with her family, and watching movies.

Samira Anwar is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. 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 developed by internal and third-party managers for individuals, high-net-worth clients, and institutions.

Matthew Flynn is a financial advisor with Cetera in Troy, MI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes roles at Ameriprise, Concorde Investment Services, and L.M. Kohn & Company. He serves as a board member of the Troy Chamber of Commerce. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a nationwide network of over 10,000 advisors.

Bryan Schon is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Wealth Management and Morgan Stanley Private Bank. Schon is involved with the Youth Adult Division of the Jewish Federation of Metro Detroit and the Akiva Hebrew Day School. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Paul Deroche is a CFP®-certified financial advisor with 33 years of industry experience, currently serving clients at UBS Financial Services since 2013. He is based in Farmington Hills, MI, and holds Series 63 and Series 66 licenses. Outside of his advisory role, Deroche teaches skiing during the winter months and serves as an adjunct professor at Oakland Community College. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs model-based asset allocations and proprietary research to tailor financial plans aligned with clients’ goals and risk tolerances.

Ashley Harrison is a financial advisor at Osaic Wealth with two years of industry experience. He holds the Series 66 designation and has previously worked at Woodbury Financial Services Inc and the Huber Insurance Group, where he also serves as a case manager. Outside of financial services, he works as a delivery driver for DoorDash. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation and portfolio optimization.

Scott Torosian is a CFP®-credentialed financial advisor with 21 years of industry experience. He has worked at LPL Financial since 2019 and was previously with Centaurus Financial, Inc. for 14 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary and third-party strategies.

Charles Pierce Jr. is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Sagepoint Financial Advisors, Comerica Securities, KeyBanc Capital Markets Inc., and Merrill. Outside of his primary role, he serves as a client advisor for UHY Wealth Management and acts as statutory agent for Midwest Financial Advisors. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization supported by various risk management tools.

William Collins is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Collins operates CODA Wealth Management as a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by technology tools for advisors and oversight of over $819 billion in discretionary assets.

Heather Steggall is a financial advisor with UBS Financial Services in Troy, MI, holding a Series 66 designation and 21 years of industry experience. She has been with UBS since 2010. Outside of her advisory role, she serves as a foster parent with Oakland Family Services. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides access to proprietary research and capital markets services.

Melissa Carlson is a Series 66 credentialed advisor at Merrill with 18 years of industry experience. She has been with Merrill Lynch since 2000, serving in her current role since 2008 in Bloomfield Hills, MI. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Tammi Bakos is a financial advisor at Merrill with 29 years of industry experience. She holds a Series 63 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Rennia Dombrowski serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients to understand their unique financial stories and help them pursue their goals through personalized wealth management strategies. Rennia emphasizes a consultative approach focused on simplifying financial well-being and providing clear guidance to support informed decision-making. Her expertise includes family wealth management, legacy planning, education planning, retirement income strategies, and tax minimization. Rennia has developed her professional skills growing up in the financial services industry and benefiting from close mentorship within a multigenerational advisory team. This background enables her to address the complexities of managing wealth across multiple generations and coordinate advice with clients’ other trusted professionals when appropriate. Rennia holds the Accredited Wealth Management Advisor (AWMA), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA) designations. She earned her bachelor’s degree from the University of Florida, where she was a member of Kappa Kappa Gamma. She supports community efforts through involvement with Baby Basics of Collier County and the Leadership Collier Foundation. Rennia enjoys dancing, reading, running, and spending time with her family.

William Larosa is a CFP®-certified financial advisor with 25 years of industry experience. He is affiliated with Morgan Stanley in Birmingham, MI, where he has worked since 2012, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Prior to that, he spent seven years at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.