Carol Maisonneuve is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2016. 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 services, and manages approximately $2.74 trillion in client assets.

Stephen Bernardi is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2009 and has also been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Diskin is a financial advisor with Raymond James Financial and holds Series 63 and Series 65 designations. He has 35 years of industry experience and has owned and operated his own CPA firm since 1996. Diskin also serves as treasurer for the nonprofit Oxbow Lake Private Launch Association, overseeing its financial operations. 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, institutions, and nonprofits. The firm delivers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Anil Kapoor Jr. is a Series 66 credentialed advisor at Merrill with 13 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2013. Anil serves as a member of the National Advisor Board for The Salvation Army. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Scott Efrusy is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked in various roles at Cetera and Horizon Advisers since 2021. Outside of advisory work, he is the owner of Efrusy Financial Group LLC, focusing on expense management, and also works as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and retirement services across multiple program platforms, with over $256 billion in assets under management and more than 10,000 advisors.

Michael Klassa is a CFP® professional with 31 years of industry experience, currently advising at Ameriprise in Novi, MI. He has been with Ameriprise and its affiliated entities since 2005. Klassa is also the owner of Life & Legacy Wealth Advisors, LLC, through which he manages his Ameriprise business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations supported by an institutional platform.

Isaiah Montgomery is a Financial Consultant with 16 years of experience in the financial services industry. He currently works at Fidelity Investments, where he provides financial planning and legacy planning services to investors. Isaiah collaborates closely with his clients to develop customized roadmaps aimed at helping them achieve their ideal retirement lifestyles and adapt strategies in response to life changes. His professional background includes roles as a Financial Consultant at Ameriprise Financial, a Senior Financial Consultant at TD Ameritrade, and Financial Advisor positions at Merrill Lynch and Morgan Stanley. Isaiah has built his expertise through these diverse experiences spanning over a decade. Outside of his professional role, Isaiah has interests in golf, movies, and outdoor adventures.

Karin Deline is a CFP® professional with 32 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

William Owens is a financial advisor with Raymond James Financial Services Advisors Inc. He holds Series 63 and Series 65 designations and has 31 years of industry experience. Owens has worked at Raymond James and Associates since 1999 and has also been involved with Owens Wealth Management, LLC since 2017, where he serves as Branch Manager and Financial Advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Richard Srnec is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. His career includes roles at JPMorgan Chase Bank and PNC Investments. He also has experience working at Wayne State University. J.P. Morgan Securities LLC 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 in its investment approach.

Daniel Bachmann is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for the Stony Pointe Homeowners Association and as a commissioner for the Rochester Planning Commission. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports, supported by a centralized consulting team and algorithmic tools.

Taylor Moss is a financial advisor at Charles Schwab in Troy, MI, holding a Series 66 credential. He has one year of industry experience, including prior roles at Blue River Financial and Charles Schwab Bank, SSB. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals 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 discretionary separately managed accounts and offers multi-asset model portfolios along with alternative investment options.

Jonathan Balsavich is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. Prior to this role, he held positions as an Investment Consultant and Financial Representative at Fidelity Investments from 2019 to 2021. He also worked as a Financial Advisor at Edward Jones from 2018 to 2019. Jonathan and his team focus on helping successful families grow their wealth with confidence while protecting their existing assets. Their planning-first approach connects investments to real-life goals through coordinated income strategies, tax-efficient investing, and estate planning considerations, ensuring that every financial decision works together. Outside of his professional work, Jonathan enjoys family activities, fitness, hiking, outdoor adventures, reading, and traveling.

Erica Johnson is a financial advisor at Morgan Stanley with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2021. Prior to that, she was with Citizens Bank and PNC Bank. Outside of her advisory work, she operates a wedding officiant business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and applies a structured planning process supported by proprietary tools and market outlook models.

Linda Lambert is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, N.A. since 2010. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Perryman III is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill Lynch Pierce, Fenner & Smith Inc. since 2002 and at Bank of America, N.A. since 2011. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jodi Whitmore is a financial advisor at Morgan Stanley with 30 years of industry experience. She has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2004. Whitmore holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and scenario modeling.

Kenneth Cylkowski is a financial advisor with Merrill, holding Series 63, Series 65, and Series 66 designations and 26 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing a variety of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Jason Muchortow is a financial advisor with Cetera Wealth Services LLC, holding a Series 66 designation and bringing 10 years of industry experience. He has a history of involvement with multiple firms including Avantax Advisory Services and runs his own tax and accounting service companies, Muchortow & Associates LLC and Muchortow + Paperd Advisors LLC. Outside of his advisory roles, he coaches the varsity girls basketball team at Utica High School and operates sports camps through his LLC, Puternic Koinonia. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with a mix of discretionary and non-discretionary services, managing over $256 billion in assets and supported by a nationwide network of more than 10,000 advisors.

Douglas Dawe is a CFP®-credentialed financial advisor with 17 years of industry experience, currently serving at OSAIC since 2018. Prior to OSAIC, he worked for Signator Investors Inc for eight years. He holds leadership roles outside of advisory work, including serving as President of the Board for St. Stephen Lutheran Church and as a board member of Family Face Ministries. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs firm-sponsored portfolio construction tools and provides access to third-party money managers and wrap programs.