William Osborne is a financial advisor with Ameriprise in Waterford, MI, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns Os Entertainment & Show Productions LLC, which manages and provides guidance to musicians and entertainers. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports through a centralized consulting team. The firm combines research, modeling, and tax-efficiency analysis to support clients’ retirement strategies and provides a broad array of advisory, brokerage, and insurance solutions.

Scott Richey is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following a 14-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through advisory, brokerage, custody, and financial planning services. The firm’s Schwab Wealth Advisory program combines primarily non-discretionary investment guidance with access to affiliated discretionary separately managed accounts and a multi-asset model portfolio approach.

Zachary Woodman is a financial advisor at LPL Enterprise with three years of industry experience. He holds a Series 66 designation and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, and the Institute for Humane Studies. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is typically model-driven, utilizing portfolios developed by internal and third-party research teams, and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

Christopher Reid is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services, LLC since 2021. He previously worked at Royal Alliance & Associates for ten years and Leonard & Company for one year. Outside of his advisory role, he is involved in managing and training staff at Blumark Financial Advisors LLC and serves as a director and tax professional at Blumark Tax Advisors LLC, where he prepares and reviews income tax returns. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with tailored income planning advice based on proprietary research and algorithmic analysis.

Deborah Keagle is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, she is employed as a bartender and waitress at American Legion Post 484 in Kalamazoo, MI. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm’s approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to financial planning, third-party asset managers, and various insurance and lending services.

Saleh Afnan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in delivering personalized wealth management strategies that align with clients' individual financial goals. His areas of focus include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and small business strategies. Saleh holds a Bachelor's Degree from the University of Michigan System and is a Personal Investment Advisor (PIA). He emphasizes clear and concise financial advice, helping clients understand their options to make informed financial decisions. Saleh is committed to a holistic, human-centered approach to wealth management. In addition to his professional work, Saleh participates in community volunteering and values spending time with his family. His personal interests include basketball, camping, chess, football, golfing, music, reading, and traveling.

Tara Griggs is a financial advisor at Merrill in Bloomfield Hills, MI, holding Series 65 and Series 63 licenses with 11 years of industry experience. She has been with Merrill since 2009. Merrill, together 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

Robert Frank III is a financial advisor with LPL Financial in Rochester, MI, holding Series 63 and Series 65 credentials and 31 years of industry experience. His prior experience includes roles at SPC, Sigma Financial Corporation, and Ameriprise Financial Services. He is involved with Producers Choice Network, a non-variable insurance business. 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 access, and institutional platforms, supporting a wide range of investment strategies and client needs.

John Meldrum is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds the Series 63 and Series 66 designations and has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

Michael Bellware is a financial advisor with Morgan Stanley in Birmingham, MI, holding a Series 66 designation and 25 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and has been affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning facilitated by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through Corporate Financial Planning agreements.

Timothy Kopchick is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and 16 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services, and has been a partner at Kopchick & Company, PC, a tax and accounting practice, since 2002. Outside of his advisory work, he is involved in tax planning and preparation through KCO Financial Services. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Amanda Whitmore is a financial advisor at Primerica Advisors with nine years of industry experience. She holds Series 65 and Series 63 licenses. Her work history includes roles at Shipt, PFS Investments Inc., Primerica Financial Services, and NBS Commercial Interiors. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies created by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Kevin Pickard is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment committee insights as part of its financial planning process.

Lee Yambura is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1981 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.

Peter Marsh is a financial advisor at LPL Financial with 42 years of industry experience. He held a previous position with The Huntington Investment Company from 2008 to 2016 before joining LPL Financial in 2016. Marsh holds Series 63 and Series 65 licenses and is based in Macomb, Michigan. He is also a commissioned notary public in Michigan. 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 range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Denis is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. He has progressed through various roles at Fidelity, starting as a Financial Representative in 2023, then moving into positions as an Investment Consultant and Financial Consultant before assuming his current role. In his work, Christopher focuses on assisting individuals and families in identifying and striving to achieve their financial goals through an individualized planning process. His efforts are centered on helping clients accumulate and protect their wealth using sound investment strategies. Outside of his professional responsibilities, Christopher enjoys attending concerts, exploring culinary experiences, following football, participating in social events with friends, watching movies, and spending time with pets.

Erik Burger is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2017 and has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets and utilizing structured planning tools such as Monte Carlo simulations to model financial outcomes.

Benson Frost is a CFP®-certified financial advisor with 16 years of industry experience, currently practicing at Ameriprise in Birmingham, MI. His prior roles include positions at The Huntington Investment Company, Morgan Stanley, Bank of America, Merrill, LPL Financial, and Mass Mutual Investors Services. He serves as a board member and committee member for Cub Scout Pack 1730. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Daniel Thomas Jr. is a CFP® professional with 45 years of industry experience, currently affiliated with OSAIC in Troy, MI. He has worked with ING Financial Partners Inc. since 2004 and owns Thomas Financial Group LLC, where he provides services related to fixed life, annuities, and long-term care insurance. Outside of his advising work, he serves as a director on the board of a condominium association in Florida, where he has completed fiduciary training. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement consulting. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and access to third-party managers and alternative investments.

Damoni Ealy is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to develop financial strategies tailored to their unique goals and circumstances. His approach emphasizes understanding what clients and their families value most, with the aim of helping them pursue their financial objectives. Damoni holds a Bachelor's Degree from Grand Valley State University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through his role at Merrill Lynch, he facilitates access to global investment resources as well as credit, lending, and banking services offered by Bank of America.