Karin Lynn Hawkins

Ronald Jaster is the sole advisor at Faithful Steward Wealth Management, Inc. in New Lothrup, MI, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has worked at Faithful Steward Wealth Management since 2011, following roles at Creative Financial Designs, Inc. and G. A. Repple & Company. Outside of advisory work, he serves as treasurer for Maple Grove Township in Saginaw, MI. Faithful Steward Wealth Management primarily serves individual investors and charitable clients, offering portfolio management, third-party adviser recommendations, and retirement account management. The firm utilizes multiple portfolio platforms, including an actively managed equities and options platform and a faith-based mutual fund platform, combining fundamental and technical analysis with both active and passive strategies.

Edward Degalan Jr. is a financial advisor with MMI Asset Management Services, LLC, holding Series 63, 65, and 66 licenses and 12 years of industry experience. He has been with MMI Asset Management Services since 2015 and has been associated with MMI Financial Group, Inc. since 1989. Outside of advisory services, he is a 50% partner in MMI Financial Group, where he works as an independent insurance agent involved in the sale of fixed insurance products and group health insurance. MMI Asset Management Services provides financial consulting and investment advisory services to individuals, corporations, pension plans, trusts, estates, and charitable organizations. The firm customizes advice for each client and primarily outsources asset management to third-party managers, offering financial planning through hourly or fixed-fee arrangements and focusing on non-discretionary management.

Robert Zalokar is a CFP® professional with 15 years of experience, operating as the sole advisor at LIFEGOALS FINANCIAL GROUP since 2004. He holds Series 63 and Series 65 licenses and is based in Owosso, MI. LIFEGOALS FINANCIAL GROUP provides investment management and comprehensive financial planning primarily for individual clients, family trusts, and small business owners. The firm uses a client questionnaire and risk-tolerance assessment to tailor asset allocations, employing a strategic buy-hold-rebalance approach with tax-aware practices, and combines financial planning with tax expertise.

Kristine Sherwood is a ChFC® at Rachor Investment Advisory Services, LLC with 6 years of industry experience. She has been with Rachor Investment Advisory Services since 2009. Rachor Investment Advisory Services serves individual and high-net-worth clients, trusts, qualified retirement plans, charitable organizations, and privately held businesses, managing approximately $205 million in discretionary assets. The firm offers portfolio management through diversified and concentrated strategies, financial planning, and plan-level fiduciary services, and is notable for its Michigan public accounting firm license and integration of accounting support within its advisory services.

Tod Fisher is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Rachor Investment Advisory Services, LLC since 2007. Outside of his advisory role, he is a general partner and drummer in a band called After It All. Rachor Investment Advisory Services manages approximately $205 million in discretionary assets for individual and high-net-worth clients, trusts, qualified retirement plans, charitable organizations, and privately held businesses. The firm offers portfolio management through diversified and concentrated strategies, financial planning, and fiduciary services, supported by its unique combination of investment management and limited accounting capabilities through CPA leadership.

Edward Irwin is a CFP® with 15 years of industry experience, currently serving as an investment advisor representative at Security First Financial in Swartz Creek, MI. His prior roles include positions at Reliable Planning LLC, Thrivent Investment Management Inc., and IGO Capital Management, Inc. Outside of advising, he is involved in business consulting and editing and publishing through his ownership of Reliable Planning LLC and Reliable Portfolio, LLC. Security First Financial provides personalized investment management to individuals, families, businesses, and nonprofit organizations, managing approximately $299 million in assets. The firm operates as a fee-only adviser, typically investing in no-load mutual funds, ETFs, and certificates of deposit, and serves a notably high client-to-advisor ratio.