John Kulhavi is a financial advisor with Raymond James & Associates holding a Series 66 designation and 28 years of industry experience. His prior experience includes roles at UBS Financial Services Inc. for 18 years and Wells Fargo Clearing Services for 3 years. Outside of his advisory work, he holds power of attorney for his parents in Macomb, Michigan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary consulting, and institutional fiduciary services supported by a range of portfolio management styles and affiliated research.

John Ekleberry is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been licensed in the brokerage industry since 1987 and joined Merrill in 1999. John works with individuals, families, and business owners to manage investment portfolios, plan for retirement, and execute estate transfer plans. His approach emphasizes a disciplined, long-term investment strategy that aligns with clients' risk tolerance and financial objectives. John’s expertise includes college education planning, liquidity management, personal retirement planning, portfolio management services, and individual and corporate investment strategy, with a focus on fixed income securities. He holds a Bachelor of Finance degree from Michigan State University and has earned the CERTIFIED FINANCIAL PLANNER™ certification, as well as the Personal Investment Advisor designation. John has been married to his wife, Ann, for 36 years. They have four children and five grandchildren. Outside of work, he enjoys reading, walking, golfing, spending time with his family, and traveling. He and his family also enjoy time at their cottage up north.

Brenda Wheatley is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. Her career includes roles at J.P. Morgan Securities, Merrill, Bank of America, and Fifth Third Bank. She currently serves clients through Cetera and Wealth Strategies Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, institutional, corporate, and charitable clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with diverse program structures and custodial relationships.

John Massoglia is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 34 years of industry experience. He has been with LPL Financial since 2011. In addition to advisory services, he is involved in tax preparation, accounting, and bookkeeping through Massoglia Tax Services and provides non-variable insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing various model portfolios and research resources.

Brent Richards is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial and Independent Financial Advisors since 2012. Richards holds Series 63 and Series 66 credentials. 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 variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Lucas Chase is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 10 years of industry experience. He worked at Charles Schwab and Schwab Private Client Investment Advisory, Inc. from 2014 to 2024 before joining Raymond James in 2024. 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 charitable organizations. The firm offers tailored, non-discretionary consulting using analytical tools and supports advisory programs with a broad network of advisors.

Joel Ehrhardt is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2012. UBS Financial Services 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 research, custody, underwriting, and capital markets services.

Deborah Dilloway is a financial advisor at Raymond James & Associates in Farmington Hills, MI, holding a Series 66 designation and with 20 years of industry experience. She worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a nationwide network of advisers.

Fei Teng is a financial advisor at Morgan Stanley in Birmingham, MI, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, Teng had roles at Michigan State University and X-Tax. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Kouya Takeshita is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMORGAN Chase Bank, N.A., and involvement with several small businesses such as Detroit Wing Company and Funding Pros LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a centralized due-diligence framework. The firm combines large institutional advisory operations with additional market-facing registrations and functions.

Cole Misuraca is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Ceros Financial Services, Flexible Plan Investments, and Equitable Advisors LLC. Outside of finance, he works part-time in event serving at Zuccaro's Banquets and Catering. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm’s approach includes periodic reviews and the option to combine planning with managed accounts under a consolidated billing program.

Thomas Cornfield is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. His prior work includes sixteen years at Metlife Securities, Inc. He is also an artist. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Jeffrey A. Cohen is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 28 years of experience in the financial services industry. He holds a bachelor's degree from the University of Michigan, where he was a three-year letterman and competed in two Rose Bowls and one Sugar Bowl under Coach Bo Schembechler. In 2004, Cohen was inducted into the Michigan Jewish Sports Hall of Fame. Cohen specializes in wealth management for high-net-worth individuals and families, corporations, endowments, and foundations. He works closely with clients to develop and maintain investment plans aligned with their personal and financial objectives. His areas of client focus include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, and services tailored to women and wealth, non-profits, and corporate investment strategies. He holds the Personal Investment Advisor (PIA) designation and is affiliated with professional organizations such as the Michigan Jewish Sports Foundation and the University of Michigan Club of Greater Detroit.

Tiffany Tufenkjian is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds the Series 66 designation and has previously worked at JPMORGAN Chase Bank, Eca Science Kit Services, Bateel, Coldstone Creamery, and The Gold Smith Gallery. 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 brokerage and investment management capabilities.

Nicholas Wilkie is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 designations and has been with JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a combination of institutional advisory operations and affiliated brokerage and investment management capabilities.

Michael Hycki is a financial advisor with Ameriprise in Novi, MI, holding the ChFC® designation and Series 63 license. He has 33 years of industry experience, including long tenures at Cambridge Investment Research Advisors and Genesis Financial Partners. He is also president of Hycki Toth Inc., a business focused on the development and implementation of client financial plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Amanda Bell is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 20 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith for 12 years before joining Raymond James in 2019. 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, institutions, pension plans, and charitable organizations, offering financial planning and investment consulting through various specialized programs.

Whitney Robinson is a Financial Consultant at Fidelity Investments, a position she has held since 2018. She has been with Fidelity Investments since 2015, previously serving as an Investment Consultant from 2015 to 2018. Prior to joining Fidelity, Whitney worked as a Financial Advisor at Morgan Stanley from 2013 to 2015. Whitney focuses on developing comprehensive financial plans tailored to the unique needs and goals of her clients and their families. She emphasizes building enduring relationships based on trust, reliability, and exceptional care. Whitney holds a California Insurance License. Outside of her professional work, Whitney has interests in fitness, parenthood, photography, running, and traveling.

Nicole Murphy is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in financial services. She holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. Nicole specializes in areas including college education planning, liquidity management, retirement income, managing new wealth, portfolio management, and socially responsible, values-based, and ESG investing. She is also focused on supporting women and wealth. Throughout her career, Nicole has gained broad expertise across various financial products and services. She plays a key role in developing customized strategies for clients and diligently implements the tactical measures that support each client’s overall financial plan. Nicole earned her High School Diploma from West Bloomfield High School. Outside of her professional responsibilities, Nicole enjoys spending time with her family, including her daughter and three grandchildren. She also has two rescue dogs and pursues interests such as cooking, hiking, traveling, watching movies, and engaging in home improvement projects.

Heather Subran Marsh is a Series 66 licensed financial advisor with five years of industry experience. She is currently affiliated with J.P. Morgan Securities, having previously worked at Merrill and Bank of America in various roles since 1998. 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 advisory registrations, delivering non-discretionary asset allocation recommendations supported by a centralized due-diligence framework.