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.

Justin Williamson is a financial advisor at LPL Financial with 23 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at Commonwealth Financial Network, Center for Wealth Management, Mass Mutual Investors Services, and MetLife Securities. Williamson is a co-owner of Center for Wealth Management, LLC, where he spends the majority of his time managing securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, while supporting advisors with technology tools for research and operations.

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 with J.P. Morgan Securities in Southfield, MI, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been associated with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates centralized due diligence with both quantitative and qualitative research, emphasizing model asset allocations and ESG considerations.

Zakaria Alhabbal is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works directly with Merrill clients to understand their financial situations and introduce them to solutions available through Merrill and Bank of America. Zakaria holds the Personal Investment Advisor (PIA) designation. He earned a high school diploma from Crestwood High School, attended the University of Michigan System without a degree conferred, and obtained a bachelor's degree from Western Governors University. He focuses on helping clients identify what matters to them and their families in order to create strategies to pursue their financial goals.

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 with Raymond James & Associates in Birmingham, MI, holding Series 65 and Series 63 licenses and eight years of industry experience. Prior to joining Raymond James in 2018, he worked in the restaurant industry at Brooklyn Pizza and was affiliated with Oakland University. Raymond James & Associates is a large broker-dealer and registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services through various programs and draws on multiple portfolio management styles supported by affiliated research and sub-advisers.

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 previously worked at Signator Investors Inc for nine years before joining OSAIC in 2018. Outside of his advisory role, Khaznehkatbi volunteers as an ambassador for the Birmingham Bloomfield Chamber of Commerce and performs as a drummer in a band that plays live twice a year. OSAIC Wealth serves a diverse range of clients, including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach centered on asset allocation and portfolio optimization, providing clients with discretionary strategies and access to third-party managers and proprietary models.

Ian Goins is a financial advisor at Fidelity with Series 66 credentials and one year of industry experience. His prior work includes roles 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 Charitable Gift Funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs, and is noted for its regulatory registrations and use of advanced technologies in portfolio management.

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 in Farmington Hills, MI, holding Series 65 and Series 63 licenses and possessing nine years of industry experience. He has been with Cambridge Investment Research since 2017 and has additional experience with RWS Financial Group dating back to 2007. Outside of advising, he is involved in financial advisor recruiting and business consulting through his roles at Successions Concepts and RWS Consulting, Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

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 with Osaic Wealth, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors for nine years and MSI Financial Services, Inc. for one year. Outside of his advisory role, he is also licensed to sell life and disability insurance and offers fixed annuities. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services including comprehensive financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and offers both discretionary and advisor-managed strategies.

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.

Michelle St George is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2011. Her current roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screens and qualitative research to develop model asset allocations within a non-discretionary program.

James Guisinger is a financial advisor with Raymond James & Associates in Birmingham, MI, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2007. Outside of his advisory role, he serves on the finance committee of the Manresa Jesuit Retreat House, a nonprofit organization, where he assists in budgeting and expense review. 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, pension plans, and charitable organizations—offering financial planning, investment consulting, and institutional advisory services.

Dawn Lubienski is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021. Prior to her current role, she was involved with Grace Community Church and the Grosse Pointe Nursery School, and spent over two decades in homemaking. 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 and profit-sharing plans, corporations, and charitable organizations.