Mark Geraghty is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Mark's approach to financial advising centers on working closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He holds a Bachelor's degree from Western Michigan University and has obtained the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Mark has been with Merrill since 2008, bringing extensive experience in wealth planning, advice and guidance, and portfolio construction. Outside of his professional role, Mark is involved with community organizations including St Regis Catholic School, Birmingham Little League Baseball, and USA Hockey. His personal interests include baseball, cooking, golfing, ice hockey, photography, reading, spending time with his family, and practicing yoga.

Ryan Crue is a financial advisor with LPL Financial in Bloomfield Hills, MI, holding a Series 66 credential and four years of industry experience. Prior to joining LPL Financial in 2024, he worked at Cambridge Investment Research Advisors and Cambridge Investment Research. He is also a presenter for White Glove Workshops, a seminar series based in Bloomfield Hills. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of investment strategies implemented by its network of investment adviser representatives.

Ian Mcculloch is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Mitchell Mccann is a financial advisor at LPL Financial with 38 years of industry experience. He previously worked at Ameriprise Financial Services and Raymond James Financial. Outside of his advisory role, he is an author of a book unrelated to investment. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a large network of over 22,800 advisors.

Nancy Smith is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 11 years before joining Raymond James & Associates in 2021. 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, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Maria Coates is a financial advisor at Merrill with 26 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2010. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Geving is a financial advisor with LPL Financial in Troy, MI, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Comerica Securities from 2004 to 2012. Outside of his advisory role, he is associated with BEST INNOVATION CONSULTANTS, a separate business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies and operational tools.

Darrec Muraca is a financial advisor with Mass Mutual Investors Services in Southfield, MI. He holds the Series 66 designation and has three years of industry experience. His prior work includes positions at Continental Services and International Specialty Tube. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary authority.

Michael Johnson is a financial advisor with Equitable Advisors in Southfield, MI, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Equitable Advisors since 1999, following his time at AXA Advisors. Outside of his advisory work, he serves as Treasurer of the Kappa Alpha Psi Southfield Alumni Foundation and works part-time as a gate agent at Detroit Metropolitan Airport. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, delivering advice primarily through a network of Investment Adviser Representatives who utilize third-party programs, discretionary models, and ERISA fiduciary services.

Courtney Bizzis is a financial advisor at UBS Financial Services with the Series 66 designation and two years of industry experience. Prior to joining UBS in 2021, she worked for six years at Ilitch Sports and Entertainment with the Detroit Tigers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and supports advisory work with proprietary research and model-based asset allocations.

Rebecca Davis is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 10 years of industry experience. Her career includes roles at firms such as Fidelity Investments, J.P. Morgan Securities, and Merrill Lynch. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services delivered through a large network of investment adviser representatives.

Melissa Smith is a financial advisor at Edward Jones in Livonia, MI, holding a Series 66 designation with eight years of experience at the firm and two years prior experience at Modern Builders Supply Inc. She has been with Edward Jones since 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs including wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jaclyn Borrow is a financial advisor at LPL Enterprise with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities LLC, LPL Financial, and INVEST Financial Corp. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s approach is model-driven, offering financial planning, access to third-party asset managers, and participation in wrap programs, while also providing affiliated insurance and trust services.

John Ogrodnick is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Allstate Insurance Co, Summit Brokerage Services, and J P Turner & Company Capital Management. Outside of advising, he participates in charity hockey games and appearances with the Detroit Red Wings Alumni Association and engages with hockey fans through signing memorabilia and video messages. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities, using model-driven portfolio management and offering access to third-party asset managers and specialized financial planning services.

Stephen Killop is a financial advisor with Morgan Stanley in Bloomfield Hills, MI. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and the AAA Dave Brown Insurance Agency. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Michael Thompson is a financial advisor with LPL Enterprise in Troy, MI, holding Series 66 and Series 63 credentials and 23 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, State Farm Insurance, and Citizens Securities, Inc. He serves on the board of the Detroit Recovery Project and is active as a speaker for Operation HOPE. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach with access to third-party asset managers and emphasizes financial planning, insurance products, and affiliated trust and lending services.

Divisha Kapur is a financial advisor with Ameriprise Financial Services, LLC, holding ChFC® and Series 63 credentials and bringing 32 years of industry experience. Prior to joining Ameriprise in 2020, Kapur spent 21 years at Hantz Financial Services, Inc. Outside of advisory work, Kapur serves as CEO of Kapur Enterprises LLC and is involved in tax preparation management through Ideal Tax Solutions, Inc. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets. The firm utilizes a combination of research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations, supported by a centralized retirement-income consulting team.

Mary Lester is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and six years of industry experience. She has been affiliated with both Merrill and Bank of America since 2012. Outside of advisory work, she is involved with Silver Tree Creations LLC as a digital template designer and assists with social media promotion and account balancing for the business. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and various institutions.

Kevin Latta is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes extensive tenures at Merrill and Bank of America. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by a nationwide advisor network and a range of portfolio management styles.

Stephen Adams is a financial advisor with Primerica Advisors in Southfield, MI, holding Series 65 and Series 63 credentials and four years of industry experience. His prior roles include positions at Macy's, DoorDash, and Target. In addition to his advisory work, he is an author of a non-investment related book titled *I Searched With Purpose*. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.