Collin Allor is a financial advisor at Cetera with a Series 66 designation and less than one year of industry experience. Prior to joining Cetera, he worked at Madonna University for six years and has experience in landscaping. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment and financial planning services through a large nationwide network of independent advisors and employs a multi-manager platform with various program options and custodial relationships.

Michael Fitzsimmons is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 33 years. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing assets held in Ameriprise Managed Accounts and utilizing algorithmic automation overseen by specialized committees.

Jack Stander is a financial advisor at Morgan Stanley in Birmingham, MI, with four years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Plante Moran Financial Advisors, Northwestern Mutual, and J.P. Morgan. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides planning both directly and through corporate agreements.

Amber Deel is a Financial Consultant at Fidelity Investments, a position she has held since 2022. She has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, and Planning Consultant. Her career reflects a commitment to providing financial planning services tailored to clients' goals and values. Amber holds a California Insurance License, supporting her work in financial consulting. She emphasizes building trusting and reliable relationships with clients to develop flexible financial plans that adapt to life changes. Outside of her professional life, Amber enjoys activities such as attending concerts, cooking and baking, family activities, motorcycles, pets, and traveling.

Kristin Braniff is a financial advisor at Raymond James Financial with six years of industry experience. She holds a Series 66 designation and has worked at various Raymond James entities since 2015. Outside of her advisory role, she is associated with Probst WM, LLC, a non-investment-related support company in Auburn Hills, MI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through advisory programs and partnerships, with a notable affiliation to municipal advisory services.

Charles Ciaramitaro is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2019, including a prior period of employment from 2019 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Daniel Lajcaj is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities, combining large institutional advisory operations with multiple market-facing registrations.

Zakaria Alhabbal is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at PNC and the University of Michigan Dearborn. Outside of his advisory role, he serves on the boards of a homeowners association and a Detroit-based ballet folklorico group, and he owns businesses focused on custom software development and couponing advice. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Toria Cooper is a financial advisor at Merrill with 36 years of industry experience, including 32 years at Merrill. She holds Series 63 and Series 65 designations and is based in Farmington Hills, MI. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alec Tropea is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2018. Prior to his financial career, he was involved with Brooklyn Pizza and Oakland University. 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, institutions, and municipal entities, offering financial planning, non-discretionary consulting, and institutional fiduciary solutions.

Rachel De Fer is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and seven years of industry experience. She has been with Morgan Stanley since 2018 and previously worked at Cintas Corporation from 2016 to 2018. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers various investment services through advisory and brokerage platforms.

Kristina Schofer is a financial advisor with Edward Jones in Novi, MI, holding a Series 66 designation and three years of industry experience. Before joining Edward Jones in 2022, she worked six years at Centria Healthcare, LLC. She serves as the chapter secretary for a local business network in Ferndale, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Kaled Khaznehkatbi is a financial advisor at OSAIC with 16 years of industry experience. He has held roles at OSAIC since 2018 and previously worked at Signator Investors Inc for nine years. Outside of advising, he serves as an ambassador for the Birmingham Bloomfield Chamber of Commerce and performs as a drummer in a band. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios that include various asset classes on both discretionary and non-discretionary bases.

Ian Goins is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity in 2025, his work history includes roles in various industries such as hospitality and waste services. Outside of finance, he has experience working at Moose Ridge Golf Course and XGolf Brighton. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios that incorporate mutual funds, ETFs, and ETPs through systematic methodologies.

Colin Talia is a financial advisor at Raymond James & Associates with six years of industry experience. He previously worked at UBS for seven years and Ernst & Young for five years. He holds the Series 66 designation and is based in Farmington Hills, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Nicholas Scarsella is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and nine years of industry experience. He has been with Cambridge Investment Research since 2017 and is also affiliated with RWS Financial Group. Outside of his advisory role, he is involved in financial advisor recruiting and business consulting through related entities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent advisors, employing multiple custody platforms and a mix of discretionary and non-discretionary investment strategies.

Scott Hammond is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. 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 supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Jacquelyn Duggan is a CFP®-credentialed financial advisor with Edward Jones in Livonia, MI, holding six years of industry experience. She has worked at Edward Jones since 2020 and previously held roles in healthcare and education. Outside of her advisory work, she serves as the Color Guard Director for the Lakeland Band Boosters, directing their fall and winter guard programs. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

David Rychlick is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for nine years. Outside of advisory work, he is also licensed to sell life and disability insurance and offers fixed annuities. OSAIC serves a broad mix of retail and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and supports multiple advisory platforms, including third-party managed account solutions and unified managed accounts.

Alyssa Tropea is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. She has been with Raymond James & Associates since 2012. Raymond James & Associates, Inc. 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 investors, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.