Michael Karfis is a financial advisor with Ameriprise in Novi, Michigan, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset thresholds, providing non-discretionary, research-driven recommendations on income sources, Social Security claiming, and tax-smart withdrawal strategies. The firm combines algorithmic tools with advisor oversight and emphasizes managed accounts within its planning approach.

Andrea Dabrowski is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked in various roles including at RPM Freight Systems and United Wholesale Mortgage. She also has ongoing involvement with NestMate Real Estate LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and firm-approved tools.

Nicholas Litton is a financial advisor at Equitable Advisors in Troy, MI, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at AXA Advisors, Gale A Cengage Company, J. Crew, and Michigan State University. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, frequently utilizing LPL-sponsored and other endorsed advisory platforms.

Richard El Khoury is a financial advisor at Ameriprise in Troy, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2023, he worked at Hantz Group and gained experience outside finance with roles at Jimmy Johns and Fogo De Chao. He was also a full-time student for several years before beginning his advisory career. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice through a centralized consulting team.

Connor Carbary is a financial advisor with Equitable Advisors in Troy, MI, holding a Series 66 designation and seven years of industry experience. He has worked at Equitable Advisors since 2018 and previously was with Axa Advisors, LLC from 2018 to 2020. Outside of his advisory role, he manages and works as a valet attendant for Extravagante Valet. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Thomas Cooper is a CFP® with 38 years of industry experience. He has been with Ameriprise since 2005, currently serving as a financial advisor in Troy, MI. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Erica Thomas is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, NA since 2010. Based in Chicago, IL, her career has been focused within the J.P. Morgan organization. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services through a non-discretionary program supported by an in-house manager solutions team and centralized due-diligence.

Donald Simpson is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI. He holds Series 63 and Series 65 licenses and has 46 years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Sarah Cunningham is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 1998 and Bank of America, NA since 2009. 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. The firm offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffery Sprague is a financial advisor with Cetera who holds Series 63, Series 65, and Series 66 designations and has 33 years of industry experience. He has worked with Cetera and its affiliated firms since 2002. Outside of advising, he operates an insurance agency. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform and a range of portfolio management and consulting options.

Sergey Solovyev is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His career includes positions at MassMutual Life Insurance and MetLife Securities, with ongoing involvement at Euro Market since 2004. Outside of his advisory role, he works as an independent insurance agent. MassMutual Investors Services 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 financial planning engagements and a range of investment programs.

John Crampton is a financial advisor with UBS Financial Services in Farmington Hills, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Ralph Albers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and spent a decade at Ameriprise Financial Services prior to that. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Valentina Johnson is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2023, following roles at D.A. Davidson Co., Rocket Companies, Family First Life, and the City of Detroit. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of accounts and wealth levels. The firm manages over $1 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Benjamin Jordan is a financial advisor with Cambridge Investment Research Advisors in Farmington Hills, MI. He holds Series 65 and Series 66 credentials and has one year of industry experience. Prior to joining Cambridge, he was involved with Michigan Pension & Financial Inc. and has a background that includes roles in hospitality and public transportation sectors. He is also an owner and partner in Michigan Pension & Financial and HJ Capital Partners, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base 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 multiple custody platforms and a range of portfolio management strategies.

Joseph Girardin is a financial advisor at Equitable Advisors with 22 years of industry experience. He holds the Series 66 designation and has worked previously at UBS Financial Services and AXA Advisors. He also serves as a trustee of his parents' trust. Equitable Advisors provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs for individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients.

Joseph Sabelhaus is a financial advisor at LPL Financial with 24 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. He has been with LPL Financial since 2004. Outside of advising, Joseph has worked as an attorney drafting wills, powers of attorney, and trusts, and serves occasionally as a backup helicopter pilot for traffic reporting in the Detroit area. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to discretionary and non-discretionary management and a range of model portfolios and research.

Sheel Desai is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works at JPMorgan Chase Bank, NA since 2018. Outside of his advisory role, Desai serves as Treasurer and a member of the Board of Directors for the Novi Parks Foundation, a nonprofit focused on park enhancements. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm delivers its advisory services on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Patrick Lapensee is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2010. In addition to his advisory work, he is involved in tax preparation through a related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, and institutions, offering diverse advisory programs and financial planning services.

Justin Dunn is a financial advisor with LPL Financial in Sterling Heights, MI, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he works as a hockey referee at ice rinks in Detroit, MI. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.