Timothy Kowalski is a financial advisor with Raymond James & Associates in Southfield, MI. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining Raymond James in 2018, he worked for Ameriprise Financial Services, Inc. from 2009 to 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning and non-discretionary investment consulting through various programs and affiliated research resources.

Daniel Gardner is a CFP® professional with 30 years of industry experience. He has worked at OSAIC since 2018 and previously spent 23 years at Signator Investors, Inc. Gardner serves on the board of University Presbyterian Church and has participated as a guest speaker for Oakland University’s planned giving department. OSAIC is a multi-advisor platform serving retail and institutional clients, including high-net-worth households, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services with a model-based investment process emphasizing asset allocation, portfolio optimization, and use of third-party managers alongside proprietary strategies.

James Darden II is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and five years of industry experience. He has worked at several firms including MassMutual Life Insurance Company, Guardian Life Insurance Company, and Park Avenue Securities. Outside of advising, he operates a solo law practice and serves as an assistant high school swim coach, while also participating as treasurer on the executive committee of the State Bar of Michigan's ADR Section. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a wide range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive operational tools and a broad platform of non-advisory financial services.

Jonathon Kugler is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior roles include positions at Fidelity Investments, Bank of America, Northwood University, and Mens Wearhouse. Kugler has also been involved with Mden Inc for several years. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Omar Jackson is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity since 2013, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features such as CFTC registration and advisory roles to multiple funds.

Erick Michaelson is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2022 to 2024. Before joining Fidelity, Erick was a Financial Advisor at PNC Investments from 2017 to 2022. Erick's professional approach focuses on the integration of personalized financial planning and investment management, aiming to align clients' priorities with comprehensive planning services covering areas such as retirement and legacy strategies. Outside of his professional responsibilities, Erick engages in activities including cooking and baking, family activities, golf, reading, running, and sailing.

Jack Guiboux is a CFP® certificant affiliated with Charles Schwab, with five years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Northwestern Mutual, Widr, UBS, and Noble Capital Partners LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios, supported by a centralized operational structure.

Jeffrey Rogers is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2021 and Morgan Stanley Smith Barney LLC since 2020. Prior to joining Morgan Stanley, he spent three years at Detroit Labs. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and scenario modeling.

Vonda Grant is a financial advisor with Raymond James & Associates, holding the CFP® designation and Series 63 and 65 licenses. She has 34 years of industry experience, including two years at Merrill and 14 years with her current firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with an emphasis on tailored, non-discretionary advisory relationships.

Kyle Kuykendall is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2023. Prior to his current role, Kuykendall was involved with Triple Threat Bets, LLC and NVIP, LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through its network of financial advisors. The firm offers goal-based financial planning across a broad range of topics, allowing clients to combine planning with managed-account services under a consolidated billing option, while keeping those services separate.

Ashleigh Duffy is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Before joining Merrill in 2021, she held positions at Oakland University, Elementz Salon, Skyzone Trampoline Park, and Menchies Frozen Yogurt. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Boone is a financial advisor with LPL Financial in Novi, MI, holding a Series 66 designation and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Edward Jones, and United Wholesale Mortgage. Boone has also been involved in a property and investment business from 2020 to 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives.

Steven Grimes is a financial advisor with Raymond James Financial, holding CFP® and ChFC® designations and over 33 years of industry experience. He has worked at Raymond James since 2017 and previously spent significant time at Navigators and Principal Life Insurance Co. He owns Navigators Financial LLC, a support company for his practice. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and also maintains specialized programs like municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Jessica Larive is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 and Series 63 designations. Her prior work includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Summit Sports LLC, Pure Romance By Jessica Quintana, and Palace Sports and Entertainment. 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 approach combines quantitative and qualitative research supported by centralized due diligence and includes broader derivatives and commodities capabilities.

Krista Ondayko is a financial advisor at UBS Financial Services in Plymouth, MI, with 5 years of industry experience and a Series 66 designation. She has been with UBS Financial Services since 2012. UBS Financial Services 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 activities.

James Reid is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2011. Outside of his advisory role, he is involved with The Town Pump Saloon, a limited liability company based in Lake City, Michigan. 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.

Sherry Brown is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has worked at Raymond James & Associates since 1999 and at Roney & Co. since 1998. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

David Barash is a financial advisor with Wells Fargo Clearing in Farmington Hills, MI, holding Series 63 and Series 65 licenses and 10 years of industry experience. He previously worked at First Allied Advisory Services and First Allied Securities. Outside of his advisory role, he serves as a commissioner for the West Bloomfield Parks and Recreation Commission. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary plan-level investment management. The firm’s approach includes a wide range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Marc Ganop is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and with 29 years of industry experience. He previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for 21 years. Outside of his advisory role, he operates a tax preparation sole proprietorship. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools, and is notable for its scale, complex affiliate network, and recent consolidation activities.

C Lembesis is a financial advisor with Ameriprise, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he serves on the Board of Directors and Parish Council of Sts. Constantine and Helen Greek Orthodox Church. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals with substantial investable assets. The firm utilizes a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations.