Joseph Toth is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at LPL Financial, OSAIC Wealth Inc, and Equitable Advisors LLC. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Stacy Moskowitz is a financial advisor with LPL Financial in Southfield, MI, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, she worked at Emerson (ASCO, L.P.) for a total of six years with a brief period of unemployment in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms, supported by technology tools to assist advisors.

Anjanette Nickoloff is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with prior experience at JPMorgan Chase Bank and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their approach focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

John Massoglia is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at LPL Financial since 2011 and previously spent six years with First Allied Securities, Inc. In addition to his advisory role, he is involved in tax preparation, accounting, and bookkeeping through Massoglia Tax Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors.

Brent Richards is a financial advisor with LPL Financial in Livonia, MI, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Ameriprise and Edward Jones. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Deborah Dilloway is a financial advisor at Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and with 20 years of industry experience. She worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a nationwide network of advisers.

Travis Smith is a financial advisor at LPL Financial with seven years of industry experience. He has previously worked at Ameriprise and The Huntington Investment Company, and holds Series 63 and Series 66 licenses. Outside of advising, he is also a commissioned notary in Livonia, Michigan. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary research and third-party subadvisors, supported by advanced operational tools.

Joseph Biscaro is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. His prior work includes roles at C&U Americas and Robert Bosch. Biscaro is also involved in a non-variable insurance agency based in Hillsdale, MI. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities, using model-driven portfolios and offering access to third-party asset managers and insurance products through affiliated entities.

Frank Stewart is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes over 30 years with Huntington National Bank and related investment companies before joining Ameriprise in 2026. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that combine proprietary research, third-party data, and algorithmic tools to provide tax-aware withdrawal strategies and income planning for clients nearing or in retirement.

Cole Misuraca is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Ceros Financial Services, Flexible Plan Investments, and Equitable Advisors LLC. Outside of finance, he works part-time in event serving at Zuccaro's Banquets and Catering. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm’s approach includes periodic reviews and the option to combine planning with managed accounts under a consolidated billing program.

Tiffany Tufenkjian is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at JPMorgan Chase Bank, Eca Science Kit Services, Bateel, Coldstone Creamery, and The Gold Smith Gallery. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Michael Hycki is a financial advisor with Ameriprise in Novi, MI, holding the ChFC® designation and Series 63 license. He has 33 years of industry experience, including long tenures at Cambridge Investment Research Advisors and Genesis Financial Partners. He is also president of Hycki Toth Inc., a business focused on the development and implementation of client financial plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Nitish Kulkarni is a financial advisor with J.P. Morgan Securities in Canton, MI, holding Series 63 and Series 66 licenses and four years of industry experience. His work history includes roles at JPMorgan Chase Bank, Citizens Bank, and United Wholesale Mortgage. 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 and fund selection, and customized performance reporting, with clients retaining final decision-making authority.

Whitney Robinson is a Financial Consultant at Fidelity Investments, a position she has held since 2018. She has been with Fidelity Investments since 2015, previously serving as an Investment Consultant from 2015 to 2018. Prior to joining Fidelity, Whitney worked as a Financial Advisor at Morgan Stanley from 2013 to 2015. Whitney focuses on developing comprehensive financial plans tailored to the unique needs and goals of her clients and their families. She emphasizes building enduring relationships based on trust, reliability, and exceptional care. Whitney holds a California Insurance License. Outside of her professional work, Whitney has interests in fitness, parenthood, photography, running, and traveling.

Stacy Cataldo is a Series 66-licensed financial advisor with Morgan Stanley in Farmington Hills, MI, having joined the firm in 2024. She has one year of industry experience and spent 17 years at Walsh College of Accountancy & Business Administration prior to entering the financial advisory field. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools but generally does not include individual security recommendations unless separately engaged.

Teri Jones is a financial advisor with Fidelity in Northville, MI, holding Series 63, Series 65, and Series 66 designations and 29 years of industry experience. She has worked within various Fidelity entities since 2010, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs. The firm also serves multiple registered investment companies and employs systematic methodologies and formal governance procedures.

Mitchell Carter is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. He has been with Ameriprise since 2018 and has held academic positions at Wayne State University and Albion College. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers these services through a centralized consulting team and emphasizes the use of Ameriprise-managed accounts in its tailored planning approach.

Norman Jadan is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and previously worked at Financial Focus LLC and LPL Financial, LLC. Outside of his advisory role, he is involved with Flint Township SS 92 LLC, an apartment complex in Southfield, MI. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets through a large nationwide network of advisors and branch offices.

Sandra Buhay is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including Fidelity Investments, E*TRADE, TD Ameritrade, and Scottrade. Her current tenure at Morgan Stanley began in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm uses structured planning tools and models to support financial planning, managing approximately $2.74 trillion in client assets.

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.