Laura Sullivan is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities for 13 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

David Miazgowicz is a financial advisor with Merrill in Farmington Hills, MI, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Merrill and Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Dagher is a financial advisor with LPL Financial in Novi, MI, holding Series 63 and Series 66 licenses and with 35 years of industry experience. He has been with LPL Financial since 1998 and also has involvement with Simoni Oil Corporation since 1989. Outside of his advisory role, he has engaged in mortgage brokerage services through Veracity Mortgage of Michigan, LLC and acts as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Christopher Whitmore is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley since 2016, including nine years at Morgan Stanley Private Bank, N.A. Whitmore serves on the booster board for United Farmington Girls Lacrosse in Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

Aiden Smith is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on guiding individuals, families, professionals, and business owners toward lasting financial security through comprehensive planning and behavioral coaching. Aiden builds lasting relationships rooted in trust and personalized guidance, aiming to help clients make confident financial decisions. He became a Financial Advisor because he believes everyone deserves a clear financial plan and a trusted partner to navigate life's opportunities and challenges. He holds a Bachelor's Degree from Grand Valley State University and is a Personal Investment Advisor (PIA).

Ross Leonard is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has worked with Wealth Strategies Financial Group and Minnesota Life Insurance Co, among others. Leonard is also a member of BNI, a networking group that facilitates business referrals among members. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and retirement plan services. The firm operates as a multi-manager platform, providing access to both affiliated and third-party investment strategies across various program structures.

Amy Schaefer Sergio is a financial advisor with Ameriprise in South Lyon, MI, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory role, she is president of Full Circle Compliance Consulting, LLC, a business formed to manage her Ameriprise practice. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers these services through a centralized consulting team in partnership with its financial advisors, emphasizing managed accounts and algorithmic support.

Jon Schafer is a financial advisor at Ameriprise with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise in various capacities since 2009. Based in Brighton, MI, he currently serves clients through Ameriprise Financial Services, LLC. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized retirement solutions, supported by a centralized consulting team and algorithmic automation overseen by an internal committee.

Jeffrey Hakes is a financial advisor at Cetera with four years of industry experience. He holds the Series 66 designation and has held prior roles at First Command Advisory Services and Bankers Life. Outside of his advisory work, he is involved in selling fixed insurance products and providing health insurance advice through his own related businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Rachelle Hassan is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds a Series 66 designation and previously worked at TIAA-CREF for 11 years. 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, including high-net-worth clients, institutions, charitable organizations, and government entities, providing financial planning, investment consulting, and institutional fiduciary solutions.

Christian Odish is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has two years of industry experience, including roles with JPMorgan Chase Bank, N.A. Outside of financial services, he works with two small businesses specializing in floral arrangements and event accessories, where he assists with setup and delivery. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework to guide investment recommendations.

Dan Keith is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, initially serving as an Investment Consultant before advancing to his current role, where he provides financial consulting services. Dan's professional experience encompasses working with a diverse range of clients, focusing on financial planning and helping high-net-worth families evaluate and make informed financial decisions tailored to their individual goals and circumstances. Prior to joining Fidelity, he worked as a Financial Advisor at Morgan Stanley from 2014 to 2015 and began his career as an Insurance Representative at Allied Financial from 2013 to 2014. Outside of his professional work, Dan has interests in boating, comedy, concerts, golf, and movies.

Jeffrey Fitzgerald is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is a large SEC-registered advisory and broker-dealer firm serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured processes and firm-approved tools to model client outcomes.

Sergio Guerra is a financial advisor at LPL Financial in Southfield, MI, holding Series 63 and Series 65 licenses with one year of industry experience. His prior roles include positions at MML Investors Services, LLC and MassMutual Life Insurance Company, as well as work and academic experience at Michigan State University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing resources such as model portfolios, third-party subadvisors, and proprietary research.

Michael Rumschlag is a financial advisor with Raymond James Financial Services Advisors, Inc. in Southfield, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Raymond James since 1997 and owns Rumschlag Realty LLC, a real estate investment business. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and is notable for its municipal advisor affiliation and specialized retirement plan advisory services.

Dimitri Hountalas is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and bringing 13 years of industry experience. His prior roles include positions at Cetera, Independent Bank, and JPMorgan Chase. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Susan Tower is a financial advisor with Ameriprise in Davison, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to create written Recommendation Reports. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Keith Hullum is a CFP® professional with 22 years of experience in the financial services industry. He is currently with OSAIC and previously worked at Woodbury Financial Services and Axa Advisors. Hullum is also an owner and consultant of Lovelace and Hullum Financial Group, which provides securities, insurance, and financial services. OSAIC serves a broad client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms.

Jon Petoskey is a financial professional with 27 years of industry experience. He currently works at Cetera and holds Series 63 and Series 66 credentials. His prior roles include positions at Minnesota Life Insurance Company, Securian Financial Services, and VALIC Financial Advisors. Outside of his advisory work, he is involved with Wealth Strategies Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services using multiple program structures and third-party managers.

Aaron Pawlak is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at Raymond James & Associates, Inc. and Merrill Lynch. Pawlak also operates Pawlak Wealth Management as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and technology-driven investment approaches.