Nikolas Highducheck is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors LLC. Outside of finance, his background includes roles in retail and education. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program and affiliated accounts.

Michael Yee is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Ameriprise since 2009, serving in various capacities over more than a decade. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning, delivering written recommendation reports and ongoing advice related to income sources, withdrawal strategies, and Social Security options.

Joseph Panfil is a financial advisor with LPL Enterprise in Troy, MI, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities, LLC, LPL Financial, Blue Water Asset Management, and Invest Financial Corporation. He is also co-owner of Family Roots Financial, a business related to his work at LPL. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering services through advisory and brokerage channels. The firm provides financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products within an integrated platform.

Mark Foster is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2019, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs that utilize structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services through its extensive network of advisors.

Zuberi Thomas is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2002. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Ivkov is a financial advisor at Morgan Stanley in Bloomfield Hills, MI, holding Series 66 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley, he held various roles including positions at Moving States and Harman Corporation, and was a full-time student at Michigan State University. He previously managed Ivkov Enterprises, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm’s approach involves structured discovery conversations and planning tools, employing modeling techniques such as Monte Carlo simulations to support client financial plans.

Earl Bosart is a financial advisor at RBC Capital Markets with 34 years of industry experience. He holds the CFP® designation along with Series 63 and 65 licenses. Prior to his current role, he worked at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies utilizing both in-house and third-party managers, supported by extensive capital markets and affiliated asset management resources.

Cameron Lail is a financial advisor at Morgan Stanley in Bloomfield Hills, MI, holding a Series 66 designation with nine years of industry experience. His prior roles include positions at UBS Financial, Edward Jones, and Cetera-affiliated firms. Outside of his primary role, he is involved with Featured Wealth Management, a securities-related business. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and offers a broad range of investment products and services.

Amy Birdsong is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She previously worked at Merrill from 2016 to 2024 before joining Morgan Stanley. Outside of her advisory role, she operates Amy Desiree Coaching, a consulting and community-focused business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Ryan West is a financial advisor with LPL Financial based in Bloomfield Hills, MI. He holds Series 63 and Series 65 designations and has five years of industry experience. His work history includes roles at LPL Financial, FSC Securities Corporation, Joe C Ford II Inc., and Eastern Michigan University. He is also involved with RJ West Distributions, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Dinesh Chawla is affiliated with LPL Enterprise and holds a Series 66 designation. He has extensive experience in legal services through his role at Chawla Legal Group, PLC, where he has worked since 2018, and previously provided compliance consulting at Gemini Compliance Strategies from 2015 to 2022. He also serves as a Notary Public. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.

Louis Nader IV is a financial advisor with Morgan Stanley, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Ameriprise Financial Services and Comerica Securities. He has also been involved with ICS Treasury Management, a cash management platform serving individuals and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques.

Brandon Patrone is a financial advisor with Ameriprise in Auburn Hills, MI, holding a Series 66 designation and eight years of industry experience. His prior work includes positions at Edward Jones, Michigan Financial Companies, and Signator Investors, Inc. In addition to his advisory role, he is involved in independent insurance brokering with Guardian Life, specializing in disability income. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Ryan Mackinder is a Series 66-credentialed financial advisor with 18 years of industry experience, currently affiliated with LPL Financial since 2015. In addition to his advisory role, he is involved with Capstone Tax Services, LLC, where he provides tax preparation and related services as an enrolled agent and tax preparer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Veronica Pies is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. Prior to joining Raymond James in 2019, she spent 11 years at UBS Financial Services Inc. 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 various organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Lisa Fulgenzi is a financial advisor at Merrill with 28 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bruce French Jr. is a financial advisor with Morgan Stanley in Rochester, Michigan, holding Series 63 and Series 65 registrations and possessing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He also serves as a trustee or co-trustee for a trust in Oxford, Michigan, involving investment decisions and estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Donald Krempa is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 66 designations and 37 years of industry experience. His career includes roles at Citigroup Global Markets since 1993 and Morgan Stanley Smith Barney since 2009. He has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Nicholas Robinette is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., DoorDash, and several other organizations. He has also been affiliated with Lawrence Technological University for five years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Gregory Hoenle is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services Inc and Sii Investments. Hoenle is also Vice President and Co-Owner of Platinum Wealth Management Group, where he provides insurance and fixed annuity solutions, and serves as Vice President of Membership Services for the Advanced Planning Education Group. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple investment types.