Parker Nowak is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services Advisors, Raymond James Financial Services, and Hantz Financial Services. Prior to his financial career, he held roles in logistics, imaging, lawn care, and golf club services. 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, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals and supports a wide advisor network with specialized services in municipal and public finance as well as employer advisory programs.

Sawyer Paull Baird is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services Inc and Keller Williams Realty. In addition to his advisory role, he assists another investment executive with business operations and client services. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers and offers integrated brokerage and advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a range of investment tools and supports various account management options and legacy platform transitions.

Michael Johnston is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and has a background that includes roles at Lineage Logistics, Naked Lime Marketing, Reynolds and Reynolds Company, and ADP. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and investment consulting with a variety of portfolio management styles supported by firm research and affiliated sub-advisers.

Vincent Delicata is a Certified Financial Planner (CFP®) with ten years of industry experience. He has worked at MassMutual Investors Services and MassMutual Life Insurance Co since 2019, and previously held roles at One To One, LLC and TFO TDC, LLC. MassMutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars. The firm employs collaborative, annual planning relationships using firm-approved analytical tools and offers specialized event-driven planning programs.

Jeffrey Hoppie is a financial advisor with Morgan Stanley in Birmingham, MI, holding Series 63 and Series 65 licenses and with 40 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a wide range of investment and planning solutions.

Curtis Allen is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan-related entities since 2009. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Stephen Krofl is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior experience includes roles at Interactive Brokers and various educational institutions. He also provides online gym programming for a single client from a past gym ownership. Charles Schwab serves primarily 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 offers both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and centralized operational infrastructure.

William Moran is a financial advisor with LPL Financial in Farmington Hills, MI, holding Series 63 and Series 66 licenses and with 39 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2000. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Gino Weaver is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and over 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Dana Divergilio is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and 17 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2016, Dana worked at Wells Fargo Advisors, LLC for one year. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that incorporate advanced modeling techniques such as Monte Carlo simulations.

Jaeland Schaaf is a Financial Solutions Advisor with Merrill Lynch Wealth Management, providing personalized financial guidance to clients. He collaborates closely with individuals to identify their financial goals and develop tailored portfolio strategies aimed at achieving those objectives. Jaeland offers ongoing advice to ensure clients' investment plans adapt in response to changing life circumstances. Jaeland's expertise includes managing a range of financial priorities such as retirement planning, college savings, elder care, and healthcare preparation. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Northwood University, an Associate's Degree from Delta College, and a High School Diploma from Reese High School.

Daniel Kelterborn is a financial advisor with Edward Jones in Livonia, MI, holding a Series 66 credential and 14 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, he serves as secretary for the Local Business Network Canton, where he administers membership attendance and communications. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Thomas Manchester is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked at Jimmy Johns for five years. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of advisory programs and maintains a large network of financial advisors and branch offices across the country.

Mark Miller is a financial advisor at Morgan Stanley in Farmington Hills, MI, with 29 years of industry experience. He has been with Morgan Stanley since 2010 and worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Miller serves as a board member for Massively Parallel Technologies Inc. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, combining tailored financial planning with firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through dedicated financial advisors and specialized planning groups.

Thomas Smith Jr. is a CFP® with 35 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2014 to 2020. Outside of his advisory role, he is involved in independent insurance brokering and owns a consulting business, Paraclete & You. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized, non-discretionary advice supported by algorithmic tools and a centralized consulting team.

Robert M. Dagenais is a Wealth Management Advisor currently serving as a Senior Vice President at Merrill Lynch Wealth Management. He leads The Dagenais Group, a team dedicated to providing wealth management services tailored to high-net-worth individuals, families, and small businesses. The team focuses on developing sophisticated strategies that address estate planning, investment management, retirement income, and business financing needs based on clients' risk tolerance, time horizon, liquidity requirements, and overall investment objectives. Robert has been in the financial services industry since 1993 and joined Merrill Lynch in 1997. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Business Administration from Central Michigan University, majoring in Finance and International Business with a minor in Economics. Robert resides in Rochester, Michigan with his wife and four children. Outside of his professional responsibilities, he enjoys spending time with his family and playing golf.

Louis Petrucco is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at DFCU Financial, Comerica Securities, and Comerica Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Jeffrey Stinedurf is a CFP® professional with 32 years of industry experience. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013. He also has longstanding ties to Financial Directions, where he provides tax accounting services and bookkeeping on a part-time basis. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a variety of portfolio management and consulting services, operating a multi-manager platform with discretionary and non-discretionary program options.

Keith Koerber is a CFA® charterholder with 49 years of industry experience and has been with UBS Financial Services in Troy, MI since 1990. He serves as an arbitrator and Industry Chairperson for a securities dispute resolution program and is a member of the board of directors for the Orchard Hills Homeowners Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations with institutional trading capabilities to deliver tailored wealth management solutions.

Elizabeth Hewitt is a financial advisor at Fidelity with six years of industry experience. She holds the Series 65 and Series 63 designations. Her prior roles include positions at Alight Financial Solutions LLC, National Petition Management, Kemkrest, England Logistics, J.P. Morgan Securities, and Lake Trust Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and manages portfolios using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.