David Jozefiak is a financial advisor with OSAIC in Sterling Heights, MI, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Woodbury Financial Services, Inc. and Questar Asset Management. Outside of his advisory work, he serves on the Board of Directors for the Financial and Estate Planning Council of Metro Detroit and has experience as a movie extra and commercial actor. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a broad range of brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies through an extensive multi-advisor platform.

Christina Gaitley is a financial advisor at Morgan Stanley with 40 years of industry experience. She previously worked at Merrill from 1984 to 2024 before joining Morgan Stanley Smith Barney LLC. She holds Series 63 and Series 66 designations. 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 and tailored financial planning services that incorporate advanced tools such as Monte Carlo simulations and Secular Return Estimates to model financial outcomes.

Susan Boehmer is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials and has worked with Merrill since 1995, including a tenure at Bank of America, N.A. since 2009. Merrill, together with 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Ottaway is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in investment advisory services. He focuses on developing personalized financial strategies for high-net-worth families, businesses, and organizations to help them achieve both short- and long-term financial objectives. His expertise includes college education planning, family wealth management, retirement income strategies, portfolio management, tax minimization, and philanthropic planning. Mr. Ottaway earned a Bachelor of Arts degree with a concentration in business from the University of Michigan in 1986. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory role, he serves as Chairman of the Grosse Pointe Farms Foundation and is a past President of the Detroit Athletic Club. He resides in Grosse Pointe, Michigan with his wife and two daughters.

Teri Prause is a financial advisor with Ameriprise in Troy, MI, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Ameriprise since 2009, including her current role since 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income recommendations and annual planning advice focused on income reliability and tax-aware withdrawal strategies.

Gezim Kello is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. His prior work includes roles at Northwestern Mutual and Morgan Stanley. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.

Jack Jerzewski is a financial advisor at LPL Enterprise with five years of industry experience. He has held positions at NYLife Securities LLC and New York Life, among others. Jerzewski serves as President of the National Association of Insurance and Financial Advisors, a nonprofit board role. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it offers a broad range of financial planning and insurance products through affiliated entities.

Catherine Branch is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, joining Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, special needs, and divorce.

Patrick Martin is a CFP®-certified financial advisor with 32 years of industry experience. He currently works at Morgan Stanley in Bloomfield Hills, MI, having held positions within Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. His prior experience includes roles at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client responsibility for implementation and updates.

Justin Hulett is a CFP® and ChFC® with 25 years of experience in the financial services industry. He has been with LPL Financial since 2011, after a brief period at Hantz Financial Services, Inc. Outside of his advisory role, he is involved with Grand Slam Getaways, LLC, a short-term rental property 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 financial planning and investment management solutions, including access to model portfolios, third-party asset management, and institutional platforms.

Jaime Wichlacz is a financial advisor at LPL Financial with a Series 66 credential and three years of industry experience. Prior to joining LPL Financial, Jaime held positions at the University of Detroit Mercy and The Guidance Center. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with advisory services delivered primarily by investment adviser representatives who use a range of strategies including discretionary and non-discretionary approaches.

Jean Charles Wilhelm is a financial advisor at Morgan Stanley in Troy, MI, holding the CFP® designation and Series 66 license, with seven years of industry experience. His prior experience includes four years at Ameriprise Financial Services, LLC and Ameriprise Financial Services, Inc. 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 a structured financial planning process supported by firm-approved tools and models.

Lori Oancea is a financial advisor at Cetera with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including Voya Financial Advisor, MassMutual, and Signator/JHFN SII. Outside of her advisory work, she is actively involved in estate planning as an attorney, offering services in wills, trusts, and probate, and serves as the Director of Financial Planning for the Certified Financial Planner program at Oakland University. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large national network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and consulting services, incorporating both discretionary and non-discretionary strategies.

Neil Dylewski is the Vice President, Wealth Planner at Fidelity Investments, where he focuses on partnering with clients to understand their unique financial visions and long-term goals. He leverages his knowledge, experience, and Fidelity's resources to co-create and maintain personalized wealth plans tailored to clients' income, investment, and wealth transference needs. Neil has held multiple roles at Fidelity Investments since 2013, progressing from Financial Representative to his current position. His earlier experience includes serving as a Wealth Planner at Cambridge Investment Research from 2006 to 2010 and as a Financial Representative at Northwestern Mutual Investment Services from 2003 to 2006. Outside of his professional work, Neil enjoys cooking and baking, spending time with family, fitness activities, kayaking, music, and outdoor adventures.

Fritz Tompkins is a Financial Consultant at Fidelity Investments, where he works with clients to develop financial plans tailored to their specific needs. He collaborates with clients to manage risk and create strategies that address wealth planning, insurance, investments, tax-efficient investing, and estate planning to help maximize family wealth. Tompkins has been with Fidelity Investments since 2011, holding various roles including Planning Consultant, Relationship Manager, Financial Representative, Stock Plan Consultant, and Core Service Trading Representative. This progression reflects his extensive experience in the financial services sector.

Philip Dunham is a Senior Financial Advisor at Merrill Lynch Wealth Management with over four decades of experience at the firm. He joined Merrill Lynch in 1979 and has dedicated his career to building relationships and supporting clients in achieving financial independence. His areas of focus include personal retirement planning, portfolio management services, and retirement income strategies. Philip graduated with honors from the University of Wisconsin at Madison in 1978, holding a bachelor's degree with a concentration in U.S. history and romance languages. He holds the Professional Investment Advisor (PIA) designation. Outside of his professional work, Philip enjoys reading, running, and swimming.

Kaelynn Veneri is a financial advisor at Morgan Stanley in Troy, MI, holding a Series 66 designation. She has one year of experience in the industry, with prior roles at several firms including Framework E and Skillman Group PLC. Veneri has also worked as a real estate agent for over a decade. 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 with an emphasis on structured financial planning supported by proprietary tools and models.

Steven Desmet is a financial advisor with Raymond James & Associates in Rochester, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Raymond James & Associates since 2002. He is also a partner in The Lost Cause Investment Club, a private investment group he has been involved with for over 15 years. 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 offers tailored financial planning and investment consulting, combining multiple portfolio management styles with in-house research and affiliated sub-advisers.

Nora Kolar is a Senior Financial Advisor at Merrill Lynch Wealth Management with a career in financial services that began in 1995. She specializes in working with high-net-worth individuals to design and implement wealth management strategies that address various financial goals, including college education planning, retirement preparation, managing new wealth, and legacy planning. Nora emphasizes a client-focused and communicative approach, tailoring strategies to align with each client's personal perspectives and priorities. Throughout her career, Nora has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She holds a bachelor's degree in Business Administration from Walsh College and an associate's degree from Oakland Community College. Nora resides in Berkley, Michigan with her two children, Noah and Lauren. Her approach to financial advising is informed by her personal experience navigating complex health challenges, which has deepened her commitment to helping clients prepare both financially and personally for life transitions.

Anthony Simon is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a partner on "The BDGSW Group", a team of investment professionals that combine their industry knowledge and the global resources of Merrill to provide a full range of wealth management services to clients. Anthony assists clients by helping them manage their wealth to meet individual or institutional investment needs, including retirement planning, investment planning, estate planning strategies, wealth planning, and risk management. He also has experience with corporate benefit programs such as equity compensation, defined benefit, defined contribution, and non-qualified deferred compensation plans. Anthony holds the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute and taught in conjunction at The Wharton School of The University of Pennsylvania. He also holds the Certified Private Wealth Advisor (CPWA) designation sponsored by the Investments & Wealth Institute and taught in conjunction at the Yale School of Management. He earned a Bachelor's Degree in Finance from Michigan State University's Eli Broad College of Business. Originally from Grosse Pointe, Anthony has been with Merrill's Bloomfield Hills office since 2018. Outside of his professional role, Anthony is involved with the community organization Our Lady Star Of The Sea. He enjoys spending time with family and friends, supporting Detroit sports teams, golfing, boating, cooking, running, and traveling.