Steven Riga is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 66 credentials. He has 43 years of industry experience, including prior roles at Morgan Stanley Private Bank, N.A. He has ownership interests in several real estate-related entities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory.

Kenneth Vernon is a financial advisor with Ameriprise based in Detroit, MI, holding Series 63 and Series 66 licenses and bringing 51 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice supported by algorithmic automation and a centralized consulting team.

Kristen Faris is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding a Series 66 designation and 18 years of industry experience. She has been with UBS Financial Services since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, blending proprietary capital market assumptions, model-based asset allocations, and research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Jacob Newman is a financial advisor with Equitable Advisors in Plymouth, MI, holding a Series 66 credential and one year of industry experience. His prior work history includes roles at Fidelity Investments and Joseph Binder. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset management programs through a wide network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory models and offers ERISA fiduciary services for qualified plans.

Bradford Newsome is a CFP® and Series 66-registered advisor with 16 years of industry experience. He is currently with Osaic and has previously worked at Merrill Lynch, Wasserman Wealth Management, Buckingham Strategic Wealth, and The Colony Group. Newsome is also involved with Michigan Financial Companies as a wealth management advisor focusing on securities and fixed insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm uses a model-based investment approach with tools such as risk-tolerance questionnaires and portfolio optimization, delivering strategies through various managed account solutions and third-party managers.

Chad Blackstone is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has worked at several firms, including Cetera Advisors LLC and Rocket Mortgage/Quicken Loans. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering both discretionary and non-discretionary investment strategies under a fiduciary standard.

Brock Caufield is a financial advisor at Morgan Stanley with one year of industry experience and holds the Series 66 designation. His prior roles include positions at Foreside Fund Services, Rock Harbor, and involvement with professional hockey teams such as the Reading Royals and Newfoundland Growlers. 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 financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes but does not include individual security recommendations in its standalone planning service.

Rachel Meekhof is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to her financial services career, she held positions at several companies including Memphis Pizza Cafe and Bayer CropScience. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.

Michael Ajlouny is a financial advisor with UBS Financial Services in Plymouth, MI, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Nicholas Nowakowski is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and has previously worked at Waggoner Financial and Michigan State University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Ernest Hughes is a CFP®-credentialed financial advisor with Raymond James Financial in Plymouth, Michigan, bringing 49 years of industry experience. He has been with Raymond James Financial Services since 1999 and has served as a joint executor for his mother since 2018. Outside of advising, he owns a support company, First Financial Strategies, Inc. 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, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Gabriella Maniaci is a CFP® with five years of industry experience, currently serving as a financial advisor at Robert Baird & Co. since 2019. Prior to joining Baird, she worked at Quicken Loans and Meridian Health Plan. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm employs a combination of manager-traded and model-traded separately managed account strategies, along with tax management and direct-indexing capabilities, supported by internal research and tools including artificial intelligence.

Rita Orow is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at various J.P. Morgan entities since 2016. 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 searches, and customized performance reporting within a non-discretionary program.

Stacy Chaffee is a financial advisor with UBS Financial Services in Troy, Michigan, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. She has been with Painewebber Incorporated since 1992. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment strategies aligned with clients’ goals and risk tolerances.

Erold Merko is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding Series 65 and Series 66 licenses with 17 years of industry experience. Prior to joining Raymond James in 2021, he worked at TIAA and TIAA-CREF from 2012 to 2021. Outside of his advisory role, he co-owns a rental property in Bonita Springs, Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, drawing on a range of portfolio management styles and affiliated research.

Jennifer Brown is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Morgan Stanley for 10 years. Brown is based in Birmingham, MI. She is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services.

Andrew Mette is a financial advisor at Morgan Stanley in Birmingham, MI, holding a Series 66 designation. He has one year of industry experience and previously worked at Spartan Spirit Shop, Michigan State University, and Freedom Boat Club. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning services.

Jacob DePillo is a Financial Consultant at Fidelity Investments, focusing on partnering with individuals and families to help them work toward their financial goals. He collaborates with clients to build personalized financial plans and find strategies tailored to their priorities. He has held roles at Fidelity Investments since 2023, initially as an Investment Consultant before becoming a Financial Consultant in 2024. Prior to that, he served as a Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, a Financial Advisor at MassMutual Great Lakes from 2020 to 2021, and a Financial Consultant at Equitable Advisors from 2019 to 2020. Outside of his professional work, Jacob enjoys baseball, family activities, football, golf, spending time at the lake, and traveling.

Edward Smith is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. Outside of his advisory role, he serves as Rotary District Governor Nominee Designate for Rotary District 6400. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Dennis Mooradian is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets beginning in 2007. 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. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Global Investment Committee return estimates.