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 with Equitable Advisors in Troy, MI, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at Equitable Advisors since 2018 and previously held roles at AXA Advisors, Gale A Cengage Company, J. Crew, and Michigan State University. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm offers a range of advisory models implemented by third-party managers and does not sponsor its own wrap fee program, relying instead on affiliated and third-party solutions.

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 at Equitable Advisors in Troy, MI, with eight years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2018, including two years when the firm operated as Axa Advisors. Outside of his advisory work, he manages Extravagante Valet, a valet service he has been involved with since 2015. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of representatives and third-party managers, providing a variety of investment options and ERISA fiduciary services for qualified plans.

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 with J.P. Morgan Securities in Warren, MI, holding the Series 66 designation and 17 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank and Natcity Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Taylor Brynaert is a CFP®-certified financial advisor with LPL Financial, based in Washington, Michigan, with 11 years of industry experience. He has been affiliated with LPL Financial and Tarr & Associates since 2015. 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 portfolio programs, third-party asset management, and institutional platforms, with advice and account management primarily provided by investment adviser representatives using a range of discretionary and non-discretionary strategies.

Donald Simpson is a financial advisor with Raymond James & Associates in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses. He has 46 years of industry experience, including two years with Wells Fargo Clearing prior to joining Raymond James in 2018. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutional clients, and charitable organizations. The firm offers tailored financial planning and consulting, municipal advisory services, and a range of portfolio management options supported by affiliated research and model managers.

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

Jeffery Sprague is a financial advisor with Cetera who holds Series 63, 65, and 66 designations and has 34 years of industry experience. His career includes long-term roles at First Allied Securities and its affiliated entities before joining Cetera. He also operates his own insurance agency. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various retirement services.

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.

Neil Sawicki serves as a Resident Director and Wealth Management Advisor at Merrill. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Neil works with families and small business owners to proactively develop their financial needs and goals, creating strategies to help achieve them. Before joining Merrill, Neil served four years in the U.S. Army in the Judge Advocate General's Corps and practiced as an attorney for over 20 years. His experience as a small business owner and legal advisor informs his approach to understanding clients' priorities and providing competent, timely, and professional financial guidance. Neil emphasizes a personalized planning process centered on clients' life priorities beyond markets and returns. Neil earned a Bachelor's Degree from Michigan State University and a Juris Doctorate Degree from the University of Detroit School of Law. He is a member of the American Legion and involved in community activities including children's schools. In his personal time, Neil enjoys chess, football, golfing, hunting, and spending time with his family.

Benjamin Jordan is a financial advisor at Cambridge Investment Research Advisors with Series 65 and Series 66 credentials and one year of industry experience. He has previously worked at Michigan Pension & Financial Inc and Concord Hospitality, and has been involved in multiple financial-related business entities including ownership of Michigan Pension & Financial and partnership in HJ Capital Partners, LLC. Cambridge Investment Research Advisors, Inc. serves a broad mix of individual and institutional clients, including pension and charitable organizations, providing financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals managing a multi-billion dollar asset base.

Joseph Girardin is a financial advisor at Equitable Advisors with 22 years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services Inc and Axa Advisors, LLC. Outside of his advisory role, he serves as a trustee of his parents' trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base that includes individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models delivered through in-house and third-party managers, focusing on personalized client assessments and matching to appropriate investment programs.

Joseph Sabelhaus is a CFP®-certified financial advisor with LPL Financial, based in Troy, Michigan, and has 25 years of industry experience. He has been with LPL Financial since 2004. Outside of advising, he has worked minimally as an attorney drafting estate planning documents and serves occasionally as a backup helicopter pilot for traffic reporting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including access to third-party asset managers and institutional platforms, supported by advisor tools and a broad non-advisory financial services network.

Sheel Desai is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, including prior roles at JPMorgan Chase Bank, NA, and Chase Investment Services Corp. Desai serves on the board of the Novi Parks Foundation as treasurer, overseeing financial responsibilities for the nonprofit. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority. Their advisory process combines quantitative and qualitative research and may include ESG considerations, supported by affiliated implementation and portfolio services.

Justin Dunn is a financial advisor with LPL Financial in Sterling Heights, MI, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, Dunn serves as a hockey official in the Detroit area. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by a large network of advisors and various institutional platforms.