Sam Schmondiuk is a Financial Consultant at Fidelity Investments, where he has held various roles since 2022. His career at Fidelity began as a Financial Representative, followed by positions as a Relationship Manager and Planning Consultant before assuming his current consultant role in 2026. Prior to that, he worked as a Client Services Associate at Ameriprise Financial from 2021 to 2022. Sam focuses on building partnerships with clients and their families to develop and implement comprehensive financial plans. He emphasizes reliability and a holistic approach to assisting clients in achieving their long-term financial goals and preparing for both planned and unplanned life events. Outside of his professional work, Sam enjoys fitness, football, golf, music, and social events with friends. He also has an interest in exploring food.

Jamie Howells is a financial advisor with Raymond James & Associates holding a Series 66 designation and nine years of industry experience. He previously worked at Merrill and Bank of America before joining Raymond James in 2022. Outside of his advisory role, Howells is the owner of JJNL Investments LLC, which manages a single account focused on investing in a technology company developing an application. Raymond James & Associates, Inc. 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, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Jason Bowens is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He serves as a senior partner on a specialized wealth management team that assists business owners, executives, and families in planning and managing various aspects of their financial lives. Jason focuses on providing comprehensive financial consulting, investment management, and personal CFO services to help clients achieve their unique financial objectives. He holds several professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His expertise encompasses areas such as divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, and serving clients in sports and entertainment. Jason collaborates with clients' attorneys and CPAs to ensure financial plans align with their personal needs. Jason earned a Bachelor of Science degree in Mechanical Engineering from Michigan Technological University, followed by a Master's degree in Engineering from Purdue University and an MBA from Indiana University Kelley School of Business. Outside of his professional work, he enjoys baseball, bowling, football, golfing, reading, woodworking, traveling, and spending time with his family.

Montez Roberson is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at Ameriprise, Comerica Securities, Fidelity Management Services, and FIS Global. J.P. Morgan Securities provides institutional consulting services focusing on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative screening and qualitative research to build model asset allocations, with a focus on forward-looking capital market assumptions and ESG considerations.

Michael Lafave is a financial advisor with Primerica Advisors in Plymouth, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1991. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers for its portfolio models.

Scott Baldwin is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 35 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Voya Financial Advisors for six years and has been involved with Baldwin Capital Management, Inc. since 1996. Baldwin also operates Baldwin Capital Tax Services, LLC, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolio programs, third-party asset management, and institutional platforms, serving over 22,800 advisors and overseeing more than $819 billion in discretionary assets.

John McGowan is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2010. Outside of his advisory role, he is also involved as a life insurance sales agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services through collaborative annual planning engagements using firm-approved analytical tools.

Nicholas Ajlouny is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Fidelity Investments since 2023 and previously held roles at Michigan First Credit Union and United Wholesale Mortgage. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

David Jaffa is a CFP®-designated financial advisor with 56 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013. Outside of advisory work, he serves as president of the Sheri & David Jaffa Family Support Foundation and is a board member of the American Technion Society. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with extensive program and custodian options.

Joann Blake is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. Her prior roles include long-term positions with Avantax Advisory Services and Radabaugh Financial Services. She is treasurer/comptroller for a nonprofit organization, Boys and Girls Bible Clubs. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that supports over 10,000 advisors and manages more than $256 billion in assets. The firm offers a range of investment and retirement services to individual, corporate, charitable, and institutional clients through a multi-manager platform with discretionary and non-discretionary program options.

Matthew Bocketti is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 66 designation and previously worked at Quicken Loans and UBS. Outside of his advisory work, he coaches a local youth baseball team in Farmington Hills, Michigan. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

Timothy Mistry is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 24 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Phillip Desantis is a CFP®-designated financial advisor with 12 years of industry experience, currently practicing at LPL Financial since 2019. He previously worked at Hantz Financial Services from 2014 to 2018. His other business activities include a tax preparation and accounting practice, DeSantis CPAs PLLC. 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 services through a large network of advisors, employing both discretionary and non-discretionary strategies supported by in-house research and technology.

Erik Gotaas is a ChFC® credentialed financial advisor with 39 years of industry experience, currently affiliated with LPL Financial in Farmington, MI. He has been with LPL Financial and its predecessor since 2000. Outside of his advisory role, he owns a non-variable insurance business specializing in fixed annuities, life, long-term care, disability, and health insurance. 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 financial planning, model portfolios, third-party asset management, participant-level retirement advice, and institutional platforms, with advisors utilizing a mix of discretionary and non-discretionary strategies.

Michael Ceaser Jr. is a CFP® professional with 50 years of industry experience, currently affiliated with Cetera. He has been with Cetera Advisors LLC since 2013 and has also been involved with Ceaser Capital Management since 2013. 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. The firm offers a multi-manager platform with various portfolio management options, integrating both discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Swain Delly is a financial advisor at Merrill with a Series 66 designation and no prior advisory industry experience. Before joining Merrill and Bank of America in 2026, he worked in the automotive industry at General Motors, Stellantis, FCA, and Magna Car Top Systems for over a decade. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Gellasch is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wunderlich Securities, Inc. He serves as secretary on the Board of Directors for Saint Paul Lutheran Church in Grosse Pointe Farms, MI. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team, alongside a broad range of advisory, brokerage, and insurance solutions.

Robynne Henry is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She previously worked at Edward Jones for 16 years before joining Raymond James in 2023. 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, institutional clients, and charitable organizations, and offers financial planning, investment consulting, and specialized municipal advisory services.

Joseph Ciesinski is a financial advisor with LPL Financial in Southfield, MI, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at LPL Financial since 2011 and previously spent seven years at Comerica Securities. He also operates businesses under the names America Group Retirement Strategy Centers and Ciesinski Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a network of investment adviser representatives. The firm offers a broad range of advisory services including financial planning, model portfolios, and institutional platforms, with an emphasis on operational support through advanced tools and a wide scale of non-advisory financial activities.

Grady Darnell is the Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with families to design and implement wealth plans that provide the confidence needed to enjoy their lives. Grady joined Fidelity Investments in 2015 and has held several positions within the firm, including Financial Representative, Investment Consultant, and Financial Consultant, before becoming Vice President in 2024. His experience spans across financial consulting and investment advising. Outside of his professional responsibilities, Grady has interests in art, baseball, cars, cooking and baking, golf, and reading.