Kevin Elbinger is a CFP® professional with 29 years of industry experience, currently affiliated with Cetera where he has worked since 2013. He holds Series 63 and Series 66 registrations and operates out of Farmington Hills, MI. Outside of his advisory role, Elbinger serves as a board member for the Jewish Federation of Metro Detroit and ORT America - Michigan Region, participating in fundraising activities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, as well as institutional accounts. The firm offers various portfolio management and financial planning services through a broad network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary investment options.

Radhika Upadhyaya is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. She previously worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc before joining Wells Fargo, where she has been employed since 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines brokerage and advisory solutions and manages roughly $671 billion in assets with over 14,000 financial advisors.

Makram Talia is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. He was previously with UBS Financial Services for 15 years before joining Raymond James in 2026. Outside of his advisory role, he has been involved as an investor and partner in a real estate venture. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Joseph Pizzo is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and having 10 years of industry experience. He has worked at Bank of America and Merrill since 2003. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Melissa Marrero is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has worked with Bank One since 1997 and has been with J.P. Morgan Securities since 2012, including a role at JPMorgan Chase Bank, N.A. since 2022. 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 network of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Calvin George is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he spent 11 years at Georgetown Wholesale LLC, where he was the sole proprietor and handled bookkeeping for a wholesale business selling items on Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management as well as fund advisory services. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Connor Wallis is a financial advisor at J.P. Morgan Securities in Birmingham, MI, holding a Series 66 designation. He has one year of industry experience and previously worked at JPMorgan Chase Bank, J.P. Morgan Private Bank, and Kautex Textron, among other roles. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a process that combines quantitative asset-allocation modeling and centralized due diligence. The firm emphasizes customized reporting and integrates an ESG eligibility framework when recommending investment strategies.

Amanda Teremi is a financial advisor at Raymond James Financial with a Series 66 designation and two years of industry experience. She has also worked with Ballard Wealth Group and has prior experience in banking and retail. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using risk profiling and analytical tools tailored to client goals.

Thomas Halonen is a CFP® certified financial advisor with 21 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Farmers Insurance Group and Farmers Financial Solutions from 2006 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,000 advisors and 15,000 branch offices.

Thomas Grobbel II is a financial advisor with Raymond James & Associates based in Bloomfield Hills, MI. He holds Series 63 and Series 65 designations and has 16 years of industry experience, including eight years at Wells Fargo Clearing prior to his current role. Raymond James & Associates 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, institutions, and municipal entities—and provides financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Bradley Augustine is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with LPL Financial since 2014. Outside of his advisory role, he is involved with multiple investment-related business entities operating under LPL's umbrella, including Mercury Capital Group and Sherman Private Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and services, including financial planning, retirement consulting, and portfolio management supported by proprietary and third-party research.

Laura Smith is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and scenario modeling to support client planning.

Patricia Whitney is a financial advisor with UBS Financial Services in Troy, MI, holding Series 63 and Series 66 licenses and 39 years of industry experience. She has been with UBS Financial Services since 2009. Outside of her advisory role, she serves as Treasurer for Variety Detroit, a charity supporting children with special needs. 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 utilizes proprietary research and model-based asset allocations to tailor client strategies.

Mehul Mistry is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with OSAIC since 2024. He previously worked for over 15 years at Securities America Advisors, Inc. and Securities America Inc. In addition to his advisory role, Mistry has ongoing involvement with Superior Engineering Inc., where he has worked for more than three decades. He participates in a financial advisor study group composed of professionals introduced to the industry by family members and is involved with a charitable foundation established by his parents. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with access to various investment platforms and third-party managers, employing firm-provided tools to construct diversified portfolios tailored to client needs.

Theodore Spickler is a Senior Financial Advisor at Merrill Lynch Wealth Management. He initially joined Merrill in 2011, focusing on assisting affluent clients and their families in achieving financial wellness. After a two-year hiatus to pursue a business opportunity, he returned to Merrill in 2019. He applies his experience in delivering holistic, goals-based strategies to help clients with managing new wealth, personal retirement planning, and retirement income. Theodore holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Theodore earned a Bachelor’s degree in History from the University of California, Los Angeles, and a Master’s degree in History from the University of Iowa. His personal interests include basketball, cooking, reading, and traveling.

Amanda Kebbe is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has been with JPMorgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Emma Goodman is a financial advisor at Thrivent Investment Management with Series 66 credentials and two years of industry experience. Before joining Thrivent, she worked at Comerica Bank for seven years. Outside of her advisory role, she serves as a tabulator for the Michigan Color Guard Circuit, an indoor color guard marching activity. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering goal-based analyses across various planning topics. The firm combines planning with managed-account programs under the WealthPlan option while maintaining separate planning and investment services.

Mark Karcher is a financial advisor with Mass Mutual Investors Services in Dearborn, MI, holding Series 63 and Series 65 registrations with 34 years of industry experience. He has worked at Mass Mutual Investors Services since 2003 and has been associated with MassMutual Life Insurance Co since 1990. Outside of his advisory role, he owns and operates the Karcher Agency Inc., focusing on life, health, dental, and vision insurance. Mass Mutual Investors Services 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, using firm-approved software to analyze client goals and deliver written recommendations.

James Melstrom is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked at Raymond James since 2018 and previously spent 18 years at UBS Financial Services. Melstrom serves on the board of directors and acts as treasurer and head of fundraising for Islam Really Cares Corp, a nonprofit organization focused on charitable giving. Raymond James & Associates 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, institutions, and municipalities, offering tailored financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management strategies.

Michael Thorstad is a financial advisor with Robert W. Baird & Co. in Clarkston, MI, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Robert W. Baird since 2001. He is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning, portfolio management, and consulting services, utilizing a range of strategies from traditional equity and fixed-income to more complex approaches, including discretionary and non-discretionary management.