Daniel Ryan

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.

Michael Kastler is a financial advisor with Kastler Financial Planning in Ortonville, MI, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Garrett Investment Advisors. He serves on the Alumni Board of Notre Dame Preparatory School, assisting with alumni activities. Kastler Financial Planning is an independent, fee-only advisory firm focusing on financial and retirement planning for individuals, particularly those in or nearing retirement. The firm employs a predominantly passive investment approach based on Modern Portfolio Theory and offers a range of planning services alongside investment management through a major custodian.

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.

Kenneth Schrauben is a financial advisor at Retirement Capital Services LLC with 12 years of industry experience. He holds a Series 65 designation and has worked at Horter Investment Management and Research Money Management, LLC. Outside of advising, he owns and manages rental real estate through Equity Pro Shop LLC. Retirement Capital Services LLC provides portfolio management and financial planning primarily for individual and high-net-worth clients, using a written Investment Policy Statement to document goals and risk tolerance. The firm employs a range of investment techniques including discretionary management, options strategies, and allocations to alternative investments.

Michael Prus is the president and founder of Scale Investment Group, an independent investment advisory firm. He holds Series 63 and Series 65 designations and has 15 years of industry experience. Prior to founding Scale Investment Group in 2010, he worked at Freedom One Financial Group and Investment Counsel Inc. Scale Investment Group provides investment advisory and consulting services to individual and institutional clients, including ERISA-qualified retirement plans and other advisers. The firm focuses on low-cost, diversified portfolios using a combination of quantitative and qualitative fund selection, offering both discretionary and non-discretionary management along with pension consulting and sub-advisory services.

David Patterson is a CFP® professional with 16 years of industry experience. He has been with Patterson Advisors, LLC since 2005. Patterson Advisors provides comprehensive financial planning and portfolio analysis primarily to individual clients, including high-net-worth individuals, trustees, and beneficiaries. The firm uses goal-based planning software and an asset-allocation framework to build diversified portfolios, emphasizing low-cost mutual funds and ETFs, and serves a limited client base with a fee-for-service model.