Alexander Scott Mortensen

You make good money. You have a plan somewhere. What you are not sure about is whether anyone is actually watching the whole thing. Right now, you probably have an advisor for investments, a CPA for taxes, and maybe an attorney for estate documents. None of them talk to each other. You are the one in the middle, repeating your situation to three people who each see one slice of it. I build the financial plan, and I prepare and file your tax return myself. Same person, same conversation. The tax decision and the planning decision get made together, by someone who can see how one moves the other. Most advisors hand you off to a CPA who has never seen your plan. I do not hand you off. I work with dual-income parents, director level and up, two demanding careers, kids at home, and a financial life that has gotten more complicated than you have time for. Equity comp you have not fully sorted out. College creeping up. Estate documents written before your last job change. All of it in motion at once, and no one holding it together. What I give you back is time. One relationship instead of many. One person who knows the whole story, so you stop being the project manager of your own financial life. None of these pieces is that hard on its own. The coordination is what you do not have the hours for. That is the part I take off your plate. I am raising four kids of my own, including a set of triplets, so I plan from inside this life stage, not from a brochure. I know what it costs, in money and in attention, to do this well. If you are tired of being the one who holds it all together, reach out. I will tell you honestly whether I am the right fit.

Sean R. Sparkman, AIF®, is the founder of Pathfinders Wealth and an investment adviser representative with Foundations Investment Advisors, LLC. Based in Commerce Township, Michigan, he works with families, retirees, and business owners nationwide by phone and video and throughout Southeast Michigan in person by appointment. His work focuses on retirement income planning, investment management, Social Security, Roth conversions and other tax-aware planning decisions, life insurance, annuities, survivor planning, and long-term family and legacy goals. Sean's approach is simple: every dollar should have a job. Depending on the client, that job may be growth, income, liquidity, tax efficiency, protection, or legacy. The job comes first; the product comes after. Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC-registered investment adviser. Insurance products are offered separately through appropriately licensed insurance professionals. Estate-planning matters may be coordinated with a client's independent attorney; Sean does not provide legal services.

Lawrence Zimbler is a financial advisor at 4Square Advisory Services, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes extensive involvement with tax preparation and education through the National Association of Tax Professionals. Outside of advisory work, he owns a tax-related business that provides tax return preparation, advice, and continuing education for tax professionals. 4Square Advisory Services, Inc. provides portfolio management and financial planning services primarily for individual and high-net-worth clients. The firm uses client-specific Investment Policy Statements and a fundamental-analysis approach to tailor investment strategies, and it is affiliated with accounting and tax services.

Bassam Salem is a financial advisor at Objective Investments, LLC with 39 years of industry experience. He holds Series 63 and Series 65 designations and has been with Objective Investments since 2018. Prior to that, he worked at InvestShares Advisor Group Inc. and InvestShares from 2016 to 2018. Objective Investments provides fee-based investment management services to individuals, high-net-worth clients, corporations, and qualified retirement plans. The firm offers both discretionary and non-discretionary portfolio management, employs a variety of investment strategies, and provides specialized services to employer-sponsored retirement plans as a limited-scope ERISA 3(21) fiduciary.

Natalie Miller is the principal advisor and owner of Grit and Lavender Financial Planning, an independent firm based in Brighton, Michigan. She holds Series 63 and Series 66 designations and has 14 years of industry experience, including roles at Merrill Lynch, PNC Investments, and Mass Mutual Life Insurance Company. Outside of her advisory work, she provides non-securities related consulting, coaching, and virtual instruction for securities licensing exams. Grit and Lavender Financial Planning serves individual clients with services ranging from ongoing investment management to one-time financial plans and hands-on financial coaching. The firm primarily employs a passive investment approach using index mutual funds and ETFs, supplemented by fundamental and technical analysis, and offers a subscription-style billing model with educational seminars and fee-based courses.

Robert Laura is a financial advisor with Wealth & Wellness Group, LLC in Brighton, MI, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been involved with Synergos Financial Group, L.L.C. dba Osborn Wealth Management since 2009 and is also active in educational content development and workshops through Retirement Project LLC. Wealth & Wellness Group provides investment advisory and planning services primarily to high-net-worth individuals, trusts, estates, charitable organizations, and retirement plans. The firm employs a tailored portfolio management approach that emphasizes diversification, asset allocation, Modern Portfolio Theory, and fundamental analysis, managing both discretionary and directed client relationships.