Stephen Fair is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He is based in East Lansing, MI. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nicholas Clements is a financial advisor at Edward Jones in Canton, MI, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branches.

Thomas Marzonie is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1994. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and input from its Global Investment Committee.

Richard Gurchak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, where he worked from 2009 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Gorman is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Cambridge since 2013. In addition to his advisory role, Gorman is an independent insurance agent representing various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing both proprietary and third-party model strategies across multiple platform arrangements.

Shannon Craggs is a financial advisor at Morgan Stanley in Farmington Hills, MI, holding a Series 66 credential with two years of industry experience. Prior to joining Morgan Stanley in 2022, Shannon was involved with Shorewood Installations LLC for 14 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both retail and institutional services.

James Hern is a financial advisor with OSAIC in Southfield, MI, holding Series 63 and Series 66 credentials and 25 years of industry experience. Prior to joining OSAIC in 2018, he worked at Sii from 2015 to 2018. He is also vice president and minority shareholder of Michigan Financial Companies, Inc., where he is involved in sales and marketing of fixed annuities, securities, and investment advisory products, and serves as a non-voting board member of Beals, Caruana & McVety Wealth Strategies. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors and multiple platforms. The firm employs a range of asset-allocation tools and manages portfolios using various investment vehicles across discretionary and non-discretionary accounts.

Eric Wolf is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cetera Advisors LLC, Cetera Investment Advisers, First Allied Securities, Inc., and Valic Investment Services Company. Outside of his advisory role, he is involved in insurance as an agent and operates his own insurance agency, Eric Wolf Insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and diverse portfolio management options.

Jennifer Justice is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2012. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Michael Karam IV is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 designation and has held roles at Royal Alliance and Michigan Financial Companies. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a network of advisers and advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, using quantitative tools and multiple investment options to construct portfolios managed on discretionary or non-discretionary bases.

Amy Majeske is a financial advisor with UBS Financial Services in Plymouth, MI, holding a Series 66 designation and 16 years of industry experience. She has been with UBS Financial Services since 2009. UBS Financial Services Inc. 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 provides a range of capital markets solutions supported by proprietary research and data analytics.

Ojie Alofoje is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. He has worked at Bank of America, Merrill, PNC, Turnkey, Capital Internal Medicine Associates, and Michigan State University. Alofoje is also the owner of OA Investments, an LLC focused on property acquisition and flipping. 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, and various institutional investors.

John Bradford is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 65 licenses and having 14 years of industry experience since 2012. He has been with LPL Financial throughout his career. Bradford is involved in the sale of fixed disability, accident, health, life, and long-term care insurance as well as fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Carmen Woskershian is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds Series 66 and Series 63 designations and has worked at Robert W. Baird & Co. since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm employs a range of financial planning, portfolio management, and custody services, utilizing manager-traded and model-traded SMA strategies along with internal research and technology tools.

Grant Lemirande is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. Prior to his current role, he worked in various positions including at Cargill and FedEx Ground. He is also licensed as a non-variable insurance professional and operates under DBAs related to his LPL business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Carter De Long is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Equitable Advisors, LLC, and Bank of America. Outside of his advisory work, he serves as a trustee of his parents' estate. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Maxwell Margetich is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. His work history includes roles at Fidelity Investments and Fidelity Brokerage Services, as well as positions in various other industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

John Rohrhoff is a financial advisor with Cetera in Brighton, MI, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has previously worked with Avantax Advisory Services and Ohio National Insurance Company. Outside of his advisory role, he owns an accounting and tax preparation business and serves as president of The Riley Katheryn Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network. The firm offers a range of portfolio management and financial planning services and supports various program structures, including access to third-party money managers and custom strategies.

Jason Coleman is a financial advisor with Raymond James Financial Services Advisors, Inc. based in Ann Arbor, MI, holding a Series 66 designation and eight years of industry experience. Prior to joining Raymond James, he was self-employed and worked at the University of Michigan. Coleman is a partner at McLaren Wealth Strategies LLC and serves on the board and finance committee of The Ecology Center, a nonprofit organization. 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 offers tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs and institutional consulting services.

Richard Welsh is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines in Novi, MI. He has worked with the firm and its predecessors since 2012, including Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term investment approach across various account types.