Salvatore Finazzo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He has worked with J.P. Morgan Securities and related entities since 2015. Outside of his advisory role, he is a partial owner of an investment property business, Matanaka LLC. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a focus on eligible strategies and includes broader derivatives and commodities capabilities.

Tyler Schram is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at PNC Investments LLC and JPMorgan Chase Bank, N.A. He also acts as a servicing advisor for Osborneklein clients through an affiliated LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering a specialized retirement income service that emphasizes dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Mark Napolitano is a financial advisor at Raymond James & Associates with 30 years of industry experience. He has held his position at Raymond James since 2003. He holds Series 63 and Series 65 credentials. 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, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Dinesh Chawla is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has a legal background, maintaining his role as an attorney with Chawla Legal Group, PLC since 2018. He is also a notary public in New Baltimore, MI. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, and institutional entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Joseph Ghanem is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he holds ownership interests in multiple real estate-related businesses and serves as president of a medical center condominium association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm employs structured planning tools and manages approximately $2.74 trillion in client assets.

Ryan Mackinder is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He has worked at LPL Financial since 2015, following roles at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory work, he is involved with Capstone Tax Services, LLC, providing tax preparation and related services as an enrolled agent and tax preparer. 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 advisory and brokerage services supported by model portfolios, third-party subadvisors, and customized strategies, with a broad platform that includes financial planning, retirement advice, and institutional programs.

Amy Roberts is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. Her prior roles include positions at Ameriprise and Comerica Securities, where she worked for 24 years. Outside of her advisory work, she is involved in independent insurance brokering and supports clients with a cash management platform. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and various technology tools.

Pamela Randazzo is a financial advisor at Morgan Stanley in Birmingham, MI, with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and manages approximately $2.74 trillion in client assets.

Bruce French Jr. is a financial advisor with Morgan Stanley in Rochester, Michigan, holding Series 63 and Series 65 registrations and possessing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He also serves as a trustee or co-trustee for a trust in Oxford, Michigan, involving investment decisions and estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Nicholas Robinette is a financial advisor with J.P. Morgan Securities in Troy, MI, holding a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Door Dash, and various other companies. He has experience outside finance including work with Door Dash and involvement with Lawrence Technological University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Gregory Hoenle is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has previously worked at Woodbury Financial Services Inc and Sii Investments. Hoenle is also Vice President and Co-Owner of Platinum Wealth Management Group, where he provides insurance and fixed annuity solutions, and serves as Vice President of Membership Services for the Advanced Planning Education Group. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, providing discretionary and advisor-managed strategies alongside third-party manager options.

Marcus Gowdy is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to develop customized financial plans tailored to their unique and evolving needs. Prior to his current role, Marcus was a Licensed Banker at JPMorgan Chase & Co from 2010 to 2012. Marcus's approach to financial planning emphasizes forming strong relationships with families built on trust, reliability, and competency. He invites clients to schedule meetings to better understand his methodology and partnership style.

Kailen Hudson is a financial advisor at LPL Enterprise LLC with one year of industry experience. He holds the Series 66 designation and has previously worked at TSM Corporation, Airboss Flexible Products, and FedEx. Outside of his advisory role, he is involved in non-variable insurance activities. LPL Enterprise LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm uses model-driven investment approaches and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Daniel Keller is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2008. 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 wide range of clients—including individuals, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

David Blake is a Series 66-credentialed financial advisor with Raymond James & Associates in Birmingham, MI, where he has worked for eight years. Prior to joining Raymond James, he spent four years with Blakes Orchard & Cider Mill. Outside of his advisory role, he is a partner in Top of The Hill Cottage, LLC, a rental real estate business managed primarily by his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipalities. The firm offers financial planning and non-discretionary investment consulting, drawing on a wide range of portfolio management styles and affiliated research.

William Hawkins is a financial advisor at J.P. Morgan Securities in Utica, Michigan, holding a Series 66 designation with one year of industry experience. His prior roles include positions at New Possibilities Financial Group, William Hawkins (his own insurance agency), Next Door Lending, and Quicken Loans/Rocket Pro TPO. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates ESG criteria where applicable.

Christopher Demetral is a financial advisor with Raymond James Financial in Rochester, MI, holding Series 63 and Series 66 designations and having 24 years of industry experience. He has been with Raymond James since 2008 and operates his practice through Christopher Patrick & Associates, LLC. Outside of advising, he owns and manages real estate through Christopher James Holding Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutions, and corporations. The firm employs tailored, non-discretionary planning and uses a range of analytical tools to support client goals, with notable offerings in municipal advisory services and employer-focused SIMPLE IRA consulting.

Ryan Lewandowski is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include working at Michigan Schools & Government Credit Union and managing his own business, Residential Revival LLC, for five years. Outside of his advisory work, he is involved with an LLC called Catching Fall, which focuses on book and game projects. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a broad suite of financial products.

Stephen Arkwright is a financial advisor with UBS Financial Services in Birmingham, MI, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS since 1989. In addition to his advisory role, he has served as a FINRA Industry Arbitrator since 1995. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, supported by proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets services.

Cynthia Audish is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she partners with clients to develop and implement lifelong financial plans aimed at providing peace of mind. Cynthia focuses on aligning portfolio investments with clients' specific goals, enabling them to actively manage their financial futures. She brings over 10 years of experience in financial services, having held positions such as Senior Financial Consultant at TD Ameritrade from 2020 to 2021, Financial Representative at Fidelity Investments from 2019 to 2020, Internal Wholesaler at Dunham & Associates Investment from 2017 to 2019, and Agency Owner of Cynthia Audish Insurance Agency, Inc. from 2014 to 2017. Outside of her professional work, Cynthia's interests include cooking and baking, movies, parenthood, reading, volunteering, and writing.