Anthony Macaluso is a financial advisor with LPL Financial who holds a Series 66 designation and has 14 years of industry experience. He has been with LPL Financial since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions through a large network of investment adviser representatives.

Steve Nazoyan is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Cetera Wealth Services, Wealth Strategies Financial Group, Minnesota Life Insurance Co, Securian Financial Services Inc, and Sii. He is also involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services across multiple program structures and custodial relationships.

Gary Gilgen is a CFP®-designated financial advisor with 40 years of industry experience, currently practicing at LPL Financial since 2021. His prior experience includes roles at Rehmann Financial Network, Royal Alliance Associates, and The Advisor Group-Brokerage & Employee Benefits, Inc. He serves as president of Lutheran Advisor Group, Inc., a property management business. 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 provides a range of advisory and brokerage services through a large network of advisors, offering diversified investment approaches including model portfolios and third-party asset management.

Michelle Bisio is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 66 designations and joined Morgan Stanley Smith Barney LLC in 2024 after a 36-year career at Merrill. Morgan Stanley Wealth Management serves individual and institutional clients, offering a variety of advisory programs that include tailored financial planning and access to a broad range of investment products and services.

Lindsey Philipp is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds the Series 66 designation and has worked in various roles including positions at JPMorgan Chase Bank and BeautyCounter. 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 and offers a range of services supported by affiliated investment-management entities.

Adam Brown is a financial advisor at UBS Financial Services with four years of industry experience. He has worked at UBS since 2018 and previously was employed at Verizon Wireless. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based 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 plans.

Michael Maher is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at LPL Financial since 2018 and previously at Signator Investors, Inc. He is also involved with Maher Asset Management and Maher Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, incorporating both proprietary research and third-party strategies.

Torrey Myrick is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, Torrey worked at Schechter Wealth for three years and held various roles at Target, Home Depot, and Gordon Food Service. Raymond James & Associates, Inc. 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, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Steven Mc Grath is a financial advisor with Edward Jones in Rochester, MI, holding a Series 66 designation and five years of industry experience. His career includes multiple tenures at Edward Jones and Woodland Direct Inc. He serves as Secretary and Board Member for the Great Pines Estates Association in Oxford, MI, where he records meeting minutes. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Akinwale Adebayo is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill for eight years before joining J.P. Morgan Securities in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Randi Levy is a financial advisor with UBS Financial Services in Troy, MI, holding a Series 66 designation and 16 years of industry experience. She has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services through a broad platform that includes proprietary research, capital markets services, and affiliated banking programs.

Christopher Georgandellis is a financial advisor at Merrill with six years of industry experience. He holds the CFA® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at Comerica and Tree Town Investments, LLC. 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. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Renate Nebel Bernard is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera Advisors LLC since 2013. In addition to her advisory work, she owns and manages 4 B Pretzels LLC, a wholesale and retail pretzel business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Christopher Ruffino is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Bloomfield Hills, Michigan. He has been with Merrill since 1986 and serves as a Vice President in the office, helping clients develop personalized financial strategies to pursue their long-term goals. His approach centers on understanding his clients' passions and objectives to create flexible wealth management plans that adapt to changing market conditions. With 35 years of experience, Christopher offers expertise in portfolio management, asset allocation, retirement planning, tax efficiency, estate and wealth transfer strategies, and college education planning. He works with clients across the United States and internationally, focusing on areas such as executive compensation, family wealth management, liquidity management, philanthropic planning, and tax minimization. Christopher and his team are committed to providing exceptional service through dedication and hard work. Christopher holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University and maintains ongoing education within the financial services industry. He holds the professional designation of Personal Investment Advisor (PIA) and is active in the Bloomfield Hills-Birmingham community. Outside of work, he enjoys basketball, fishing, football, gardening, golfing, music, spending time with family, traveling, and woodworking.

Mark Drouillard is a CFP® with 33 years of experience in the financial industry. He is currently with Osaic and has previously worked at Securities America Advisors and Ameriprise Financial Services. Outside of his advisory role, he is president of Patrick Henry, Inc., a business advisory firm focused on mergers and acquisitions, private equity, and business coaching. He also manages his financial planning firm's operations through Drouillard Group, Inc. Osaic Wealth serves a wide range of clients, including retail investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing various investment program options supported by affiliated broker-dealer and RIA relationships.

Spencer Schmale is a financial advisor with Osaic Wealth Inc., holding a Series 66 license and 11 years of industry experience. He worked at Wells Fargo Advisors for nine years before joining Osaic in 2023. Schmale is also the owner of Spencer Schmale Financial, LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that incorporate model-based asset allocation, portfolio optimization, and various managed account strategies.

Valentine Koch is a CFP® professional with six years of industry experience, currently affiliated with Morgan Stanley in Rochester, MI. His prior experience includes roles at Raymond James & Associates Inc. and the University of Michigan Ross School of Business. Morgan Stanley Wealth Management serves individual and institutional clients by providing comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and integrates broad investment offerings through its Financial Advisors and Estate Planning Strategies Group.

James Mclellan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 45 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Cetera Advisors LLC from 2014 to 2020. He is also president of Silverbell Group, a financial services business through which he manages business expenses and staff. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered in collaboration with advisors like Mclellan.

Allen Droste is a financial advisor at Raymond James Financial with three years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Raymond James, he worked at Nationwide Investment Services Corporation and Fidelity Investments, among other firms. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services that utilize analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Iuliana Keyes is a financial advisor at OSAIC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at OSAIC since 2009, with additional experience at Vim Capital and Thomas Financial Group. Outside of her advisory work, she serves on the board of FernCare Free Clinic, a nonprofit that provides free healthcare to uninsured individuals. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach involves model-based asset allocation, portfolio optimization, and access to discretionary and third-party managed strategies.