V Adams is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, V Adams collaborates one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Leveraging investment insights from Merrill and banking solutions from Bank of America, V Adams focuses on creating flexible wealth management plans responsive to evolving market conditions. V Adams holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Their educational background includes a High School Diploma from Fordson. Committed to community involvement, V Adams follows the Merrill tradition of serving local organizations through volunteer work.

Timothy Flint Jr. is a financial advisor with Equitable Advisors in Troy, MI, holding Series 65 and Series 66 licenses and 18 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors, LLC. Flint is a partner at Mosaic Capital Group, LLC, and serves as a board member for Dunham Hills Golf Course through Closer to the Originals LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

William Turner is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 48 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Concorde Investment Services. Outside of advising, he is involved in managing a payroll and HR business, MTF Management Incorporated. Cetera is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Everett Latos is a Financial Advisor at Merrill Lynch Wealth Management, where he has been contributing since 2020. In his role, he employs a goals-based planning methodology to assist clients in achieving their financial objectives. Everett focuses on areas such as retirement planning, investment management, fiduciary services, and wealth management strategies, including family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. With expertise in asset allocation and adapting financial strategies as they evolve, Everett leverages the resources of Merrill to create customized financial plans tailored to his clients' goals. He holds a business degree from Hope College in Holland, Michigan, and carries professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). In his free time, he enjoys outdoor activities such as hiking, running, and skiing.

Michael Ratliff is a financial advisor with Edward Jones in Ortonville, MI, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Edward Jones since 2007. 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 solutions supported by a large nationwide network of financial advisors and branch offices.

Roger Folkema is a financial advisor with Ameriprise in Troy, MI, holding a Series 66 designation and 19 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research-driven analysis with algorithmic tools to deliver tailored retirement planning advice through a centralized consulting team.

Stephen Mikel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has worked at J.P. Morgan Securities since 2014 and Jpmorgan Chase Bank, N.A. from 2014 to 2019. Outside of his advisory role, he assists with paperwork and tax preparation for a family-owned S-corporation related to his spouse's anesthesia work. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Frank Cooney is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop strategies to pursue their short-, mid-, and long-term financial goals, serving as a resource for investing, retirement planning, and financial preparedness. He also offers access to Bank of America specialists for banking, credit, home financing, and small business solutions. Frank specializes in implementing tax-efficient wealth strategies aimed at multigenerational wealth preservation. His approach is disciplined and personalized, assisting clients in navigating complex financial decisions. His primary objective is to help families protect, grow, and transfer their wealth as efficiently as possible, with client focus areas including family wealth management strategies, managing new wealth, and tax minimization. He holds a Bachelor's Degree from Eastern Michigan University and a Personal Investment Advisor (PIA) designation. Outside of his professional work, Frank's personal interests include antiquing, fishing, hiking, reading, and spending time with his family.

Jasmine Patel is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, Merrill, PNC Bank, and other firms. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and proprietary tools to model outcomes, offering advisory services without providing individual security recommendations as part of standalone plans.

Darin Tavadia is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. He has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2025. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis where clients retain final decision-making authority.

Andrew Gizinski is a Financial Consultant currently serving as a Branch Leader at Fidelity Investments since 2026. In his role, he focuses on empowering financial professionals to perform at their highest level. His work emphasizes leadership and team development within the financial services sector. Andrew's professional experience centers on branch leadership and financial consulting. He applies his expertise to support and guide financial advisors and teams to achieve their goals. Details regarding his educational background and credentials have not been provided. Outside of his professional responsibilities, Andrew has interests that include beach activities, family time, fitness, parenthood, and tennis. These personal interests reflect his commitment to a balanced lifestyle.

Keith Wagner is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2016. Outside of his advisory role, he is the managing member and general partner of ATTILA PRODUCTIONS LLC, a company involved in music writing. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Thomas Carey is a financial advisor with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as Axa Advisors, LLC. Carey is also approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Matthew Wagner is a financial advisor with Morgan Stanley Wealth Management in Bloomfield Hills, MI, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He previously worked at Comerica Securities for 19 years and Ameriprise for 3 years. Wagner is involved with Financial Oxygen, a cash management platform serving corporate and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

Edward Lambert is a CFP® professional with 45 years of experience in the financial services industry. He has been affiliated with LPL Financial since 1994 and has worked with various insurance companies since 1996. He also operates Financial Services Group of Michigan, Inc. Mr. Lambert’s career includes extensive experience in both advisory and insurance-related businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by research and technology-driven solutions.

Ryan Daar is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to that, he was employed at Goldman Sachs and Pegasus Capital Advisors, and he studied at the University of Chicago Booth School of Business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s services are delivered on a non-discretionary basis, with clients maintaining final decision-making authority.

Thomas Shelly is a financial advisor at Morgan Stanley with Series 63 and Series 66 licenses and 41 years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Steven Kallabat is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2015, including time at JPMorgan Securities, LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Michael Gloster is a financial advisor at LPL Financial with 33 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining LPL Financial in 2024, he worked at firms including Nustar Financial, Secure Investors Group, Aurora Securities, Bank of America, and Merrill. Outside of his advisory work, he hosts a podcast through Fashioncast, LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management options and utilizes various investment strategies and technologies.