Jay Smith is a CFP® with 43 years of industry experience, currently serving at Raymond James Financial in Oxford, MI. He has been associated with Raymond James Financial Services, Inc. since 1986 and has worked with Metropolitan concurrently since 2010. 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, utilizing tailored planning and analytical tools to support client goals.

Christopher Barrett is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides a goals-based approach to wealth management, focusing on holistic and comprehensive financial guidance that extends beyond portfolio management. His expertise includes investment consulting for defined contribution plans, personal retirement planning, managing new wealth, college education planning, divorce transition planning, and small business strategies. In addition to serving individual clients, he manages the retirement plan business, mergers and acquisitions activities, and commercial banking relationships for his team. Barrett holds several professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from the University of Michigan and graduated from Grand Rapids City High-Middle School. Before joining Merrill Lynch in 2008, he spent 11 years in commercial banking working with middle-market business owners. He serves as a director on the boards of the Association for Corporate Growth and Crime Stoppers of Michigan and is involved with Haven of Oakland County. Outside of his professional life, Barrett enjoys cooking, golfing, music, traveling, and spending time with his family. He resides in Commerce Township with his wife and two daughters.

Sarah Ray is a financial advisor at Merrill with five years of industry experience. She holds Series 66 and Series 63 licenses. Her prior experience includes roles at Bank of America and JP Morgan Securities LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ciara Merriman is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Merriman has been with Edward Jones since 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Vanessa Wojciechowski is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding a Series 63 designation and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based financial planning process using firm-approved methodologies.

Matthew Rogal is Vice President and Private Wealth Management Advisor at Fidelity Investments. In this role, he focuses on aligning personal wealth strategies with the aspirations of clients and their families. Matthew has been with Fidelity Investments since 2013, progressing through various roles including Financial Representative, Investment Consultant, Financial Consultant, and Vice President Wealth Planner before assuming his current position in 2021. Prior to joining Fidelity, he worked as a Private Client Banker at J.P. Morgan Chase Private Client from 2010 to 2013. He holds a California Insurance License.

Julie Bozich is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services ranging from direct individual plans to corporate financial planning agreements.

Amanda Bussa is a financial advisor at Osaic with 25 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 24 years. Outside of her advisory role, she serves as treasurer for the Marian Mothers' Club, which supports activities at Marian High School, an all-girls private school. Osaic Wealth, Inc. serves a wide range of clients including individuals, high-net-worth investors, retirement plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Mark Ivanovic is a financial advisor at OSAIC Wealth Inc. with 18 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors Financial Network LLC for 14 years. Ivanovic also serves as Vice President of The Investment Consulting Group LLC, where he manages client requests and oversees branch operations. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct customized portfolios across multiple asset classes.

Joseph Kolanowski is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked for firms including Securities America Advisors and SSN Advisory. Outside of his advisory role, he serves as an agent for Dickerson Group, Inc., which operates in insurance, benefits, and human resources. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, charities, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of customizable portfolio management strategies and platform options.

Jason Tether is a financial advisor with MassMutual Investors Services in Auburn Hills, MI, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1997. In addition to his advisory role, he is an insurance agent specializing in life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as ongoing collaborations using firm-approved analytical tools to guide client recommendations.

Nathan Bond is a financial advisor with Ameriprise holding a Series 66 designation and has one year of industry experience. He has previously worked at Grand Valley State University, Western Golf and Country Club, and Livonia Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Annette Brown is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 63 designation and bringing 29 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2009. 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 strategies for a range of clients, including individuals, high-net-worth clients, and institutions.

Jason Coldicott is a financial advisor with Ameriprise in Novi, MI, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliated entity since 2015. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, emphasizing managed accounts within its platform.

Samantha Trudell is a financial advisor with Wells Fargo Advisors in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and 24 years of industry experience. She has worked with various Wells Fargo entities since 2015 and maintains a long-term consulting role with Mary Kay. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, utilizing Wells Fargo research and planning tools to develop tailored recommendations across a broad range of financial needs.

Peter Tenuta is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he works with individuals, families, and corporations to understand their financial situations and develop personalized wealth management strategies. Since beginning his career in 1997 at Morgan Stanley Smith Barney advising families and corporate retirement plan sponsors, Peter has focused on areas including personal retirement planning, portfolio management services, tax minimization, and retirement income. Peter is a qualified Portfolio Manager who can manage discretionary investment strategies incorporating individual stocks, bonds, model portfolios, and third-party strategies. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He received his Bachelor's Degree in Business Administration with a major in Finance from Central Michigan University. A lifelong resident of Southeast Michigan, Peter is married and has two sons. He participates in community volunteer activities and enjoys personal interests such as biking, boating, camping, cooking, fishing, ice hockey, music, running, soccer, and spending time with his family.

Dicran Haidostian is a financial advisor with LPL Financial in Bingham Farms, MI, holding the CFP® and ChFC® designations and over 40 years of industry experience. He has worked with Future Benefits Planning Corp. and LPL Financial since 2003. Haidostian’s business activities include providing fixed insurance products and group medical, dental, life, and disability coverage through Future Benefits Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, 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.

Robert Whitcomb is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Scott Richey is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following a 14-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through advisory, brokerage, custody, and financial planning services. The firm’s Schwab Wealth Advisory program combines primarily non-discretionary investment guidance with access to affiliated discretionary separately managed accounts and a multi-asset model portfolio approach.

Andrew Biskup is a Financial Consultant currently working with Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Financial Advisor at UBS Financial Services, Inc. from 2022 to 2025. In his professional capacity, Andrew focuses on helping clients identify their financial needs and develop purposeful strategies to meet their goals. His approach centers on removing financial barriers to enable clients to use their time more effectively and meaningfully. Andrew collaborates closely with individuals and families to design and implement strategies with clarity and confidence. Outside of his professional activities, he enjoys fitness, social events with friends, golf, hiking, music, and outdoor adventures.