Chad Kreda

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.

Daniel Ryan is the principal advisor at Daniel Ryan Financial LLC in Holly, MI, with 12 years of industry experience. He holds a Series 65 designation and previously worked at Jackson Financial for eight years before founding his independent firm. Outside of advisory work, he assists in family-related land management and works part-time as a sales associate in a lumber and hardware business. Daniel Ryan Financial LLC serves individual investors and a small number of institutional clients, including pension and profit-sharing plan sponsors. The firm provides portfolio management and financial planning, with a focus on employer-sponsored retirement plans, using an investment approach that combines cyclical and fundamental analysis with modern portfolio theory.

Michael Kastler is the sole advisor at Kastler Financial Planning in Ortonville, MI, holding Series 63 and Series 65 licenses with nine years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Garrett Investment Advisors. Kastler serves on the alumni board of Notre Dame Preparatory School, assisting with alumni activities. Kastler Financial Planning is a fee-only, state-registered advisory firm specializing in financial and retirement planning primarily for clients in or near retirement. The firm employs a predominantly passive investment approach based on Modern Portfolio Theory, offering planning and investment management with flat-fee, tiered, and hourly billing structures.

Joseph Venegas is the principal of JDV Wealth Advisors, LLC, an independent firm based in Goodrich, Michigan. He holds a Series 66 designation and has 17 years of industry experience. In addition to his advisory role, Venegas is involved in independent insurance sales, tax preparation services, and serves as a high school football and baseball coach. JDV Wealth Advisors provides personalized financial planning and portfolio management services to individual clients, emphasizing individualized asset allocation and Modern Portfolio Theory. The firm generally operates on a non-discretionary basis and often acts as a co-advisor when recommending third-party investment managers.

Wyatt Flynn is a financial advisor at Lakepoint Wealth Partners with two years of industry experience. He holds a Series 66 designation and has worked with JPMorgan Chase Bank, J.P. Morgan Securities, and Raymond James & Associates. Outside of advising, his background includes roles in banking and mortgage industries. Lakepoint Wealth Partners is a state-registered, fee-only investment adviser serving individuals, pre-retirees, retirees, growing families, and young professionals. The firm uses a long-term, passive, evidence-based investment approach centered on strategic asset allocation, global diversification, low-cost ETFs, and periodic rebalancing.

Kenneth Schrauben is a financial advisor at Retirement Capital Services LLC with 13 years of industry experience. He holds the Series 65 designation and has worked at firms including Horter Investment Management and Research Money Management, LLC. Schrauben is also the owner of Equity Pro Shop LLC. Retirement Capital Services LLC serves individuals and high-net-worth clients through portfolio management and financial planning, using a blend of analytical techniques and investment strategies that include alternatives and options. The firm operates as a small, solo-advisor practice offering a diverse and higher-risk investment menu.