Jonathan Balsavich is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. Prior to this role, he held positions as an Investment Consultant and Financial Representative at Fidelity Investments from 2019 to 2021. He also worked as a Financial Advisor at Edward Jones from 2018 to 2019. Jonathan and his team focus on helping successful families grow their wealth with confidence while protecting their existing assets. Their planning-first approach connects investments to real-life goals through coordinated income strategies, tax-efficient investing, and estate planning considerations, ensuring that every financial decision works together. Outside of his professional work, Jonathan enjoys family activities, fitness, hiking, outdoor adventures, reading, and traveling.

Erica Johnson is a financial advisor at Morgan Stanley with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2021. Prior to that, she was with Citizens Bank and PNC Bank. Outside of her advisory work, she operates a wedding officiant business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and applies a structured planning process supported by proprietary tools and market outlook models.

Linda Lambert is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, N.A. since 2010. 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Perryman III is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill Lynch Pierce, Fenner & Smith Inc. since 2002 and at Bank of America, N.A. since 2011. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based, discretionary, and related investment strategies, leveraging its connection to Bank of America’s broader corporate platform.

Jodi Whitmore is a financial advisor at Morgan Stanley with 30 years of industry experience. She has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2004. Whitmore holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and scenario modeling.

Kenneth Cylkowski is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Since 2016, he has worked at both Merrill and Bank of America, N.A. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to various financial products and services.

Jason Muchortow is a financial advisor with Cetera Wealth Services LLC, holding a Series 66 designation and bringing 10 years of industry experience. He has a history of involvement with multiple firms including Avantax Advisory Services and runs his own tax and accounting service companies, Muchortow & Associates LLC and Muchortow + Paperd Advisors LLC. Outside of his advisory roles, he coaches the varsity girls basketball team at Utica High School and operates sports camps through his LLC, Puternic Koinonia. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with a mix of discretionary and non-discretionary services, managing over $256 billion in assets and supported by a nationwide network of more than 10,000 advisors.

Douglas Dawe is a CFP®-credentialed financial advisor with 17 years of industry experience, currently serving at OSAIC since 2018. Prior to OSAIC, he worked for Signator Investors Inc for eight years. He holds leadership roles outside of advisory work, including serving as President of the Board for St. Stephen Lutheran Church and as a board member of Family Face Ministries. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs firm-sponsored portfolio construction tools and provides access to third-party money managers and wrap programs.

Nicholas Arkwright is a Series 66 licensed financial advisor with 12 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 uses proprietary research and model-based asset allocations to tailor client plans.

Sabri Hesano Jr. is a financial advisor with UBS Financial Services in Troy, MI, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves on the Reception Committee and Audit and Finance Committee for the Detroit Economic Club and is an Investment Committee member for Detroit Regional Dollars for Scholars, a nonprofit supporting local students’ post-secondary success. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and various capital markets services through its integrated platform.

Joseph Mastroberto is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working in the financial services industry since 1996. Joseph began his career as a retirement consulting actuary at a pension and retiree benefits consulting firm before joining Merrill in 2004. He applies his experience to provide personalized and strategic advice tailored to each client's financial needs. His areas of expertise include retirement income planning, wealth management for individuals, business owners, and corporations, educational savings strategies, portfolio management, and wealth preservation and transfer. Joseph holds the Certified Plan Fiduciary Advisor (CPFA) and Chartered Retirement Planning Counselor (CRPC) designations. He earned a Bachelor of Science degree in Mathematics from the University of Michigan. Joseph resides in Troy, Michigan. Outside of work, he enjoys ice hockey, reading, and tennis.

Derick Grembi serves as a Private Wealth Advisor at MKG & Associates within Merrill Private Wealth Management. He brings over 30 years of experience in financial services, focusing on investment analysis and implementation, wealth strategy, and portfolio management. Derick's primary role involves developing custom portfolio strategies tailored to the unique and evolving needs of families. He provides strategic vision, investment oversight, and relationship leadership, guiding the firm's investment philosophy and portfolio strategy. Before joining Merrill in 2014, Derick was a Director and Portfolio Manager at BlackRock's Private Investors Group, where he customized investment strategies for high net worth clients and institutions. He holds the Chartered Financial Analyst (CFA) designation, the CERTIFIED FINANCIAL PLANNER (CFP) certification, and the Personal Investment Advisor (PIA) credential. Derick earned a Bachelor's degree from Oakland University and is a member of professional organizations including the CFA Institute. Derick is recognized for his contributions to wealth management, having been named to the Forbes "Best-in-State Wealth Advisors" list for five consecutive years. He is active in his community, serving on the boards of Men of the Sacred Heart and Legatus. Derick resides in Rochester Hills, Michigan, with his wife Diane and their seven children, often spending time coaching their sports teams.

Patrick Adams is a financial advisor with LPL Enterprise in Troy, MI, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. He is also involved in insurance sales for Medicare Supplement policies through the American Insurance Group. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory, brokerage, and insurance products, utilizing an integrated platform that combines adviser programs with active sales of financial products and affiliated insurance services.

Bradley Spindler is a financial advisor with Cetera, holding the Series 66 credential and three years of industry experience. His prior roles include positions with True North Capital Management LLC and Horizon Advisers. Outside of his advisory work, he is also involved as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services using multiple program structures and model portfolios, with over $256 billion in assets under management and more than 10,000 advisors.

Matthew Bucher is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, N.A. for nine years prior to joining UBS in 2024. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides proprietary research to tailor client solutions.

Karen Thompson is a financial advisor with UBS Financial Services based in Troy, MI. She holds Series 63 and Series 65 designations and has 42 years of industry experience, including 21 years with UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and a broad platform of capital markets services.

John Moran is a Financial Advisor and Portfolio Advisor at Merrill Lynch Wealth Management. He serves as a resource to business owners, executives, and wealthy families, assisting them in navigating complex financial situations to achieve their financial goals. His expertise includes executive compensation, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. John's approach involves understanding clients' priorities through thoughtful conversations, followed by designing and implementing personalized financial plans. He and his team provide a comprehensive experience that covers family wealth planning, tailored investment strategies, retirement and cash flow planning, tax-aware investing, legacy planning, banking, lending, and charitable giving strategies. He holds a Bachelor's Degree in Finance from Michigan State University and has earned the Personal Investment Advisor (PIA) designation. John is involved with the Brother Rice High School Alumni Association and the Michigan State University Alumni Association. His community involvement includes contributions to the Capuchin Soup Kitchen and the Gleaners Community Food Bank of Southeastern Michigan. Outside of work, John enjoys basketball, boating, fishing, football, pickleball, swimming, and spending time with his family.

Keith Kozak is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including comprehensive financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Robert Brunmeier is a CFP® credentialed financial advisor at OSAIC with 17 years of industry experience. He previously worked at Woodbury Financial Services, Inc. and Questar Asset Management. Brunmeier is also an investment advisor representative at Woodbury Financial Services. OSAIC serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm employs a variety of advisory platforms and uses asset-allocation tools, risk-tolerance analysis, and third-party money managers to construct diversified portfolios.

Ashley Gerback is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Ashley partners with clients and their Wealth Management Advisors to provide a team-based approach to holistic financial planning. Ashley collaborates with clients to understand their priorities and customize plans that address their evolving needs. Ashley has been with Fidelity Investments since 2016, progressing through several roles including Financial Representative from 2016 to 2018, Relationship Manager from 2018 to 2020, and Planning Consultant from 2020 to 2026 before assuming the current position. This experience has provided Ashley with a comprehensive understanding of wealth management and client relationship development. Outside of work, Ashley enjoys outdoor activities such as camping, hiking, kayaking, and playing soccer, as well as spending time with family and reading.