Kenneth Lyle Simmons Jr.

Michael Shanku is the sole advisor at MJS Capital Inc. in Chesterfield, MI, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been leading MJS Capital, Inc. since 2010. MJS Capital, Inc. manages approximately $2.9 million in assets for 11 individual clients, focusing on discretionary portfolio management with ongoing account reviews. The firm emphasizes a managed relationship approach, utilizing various investment strategies and risk assessments.

Jonathan Phelan is a CFP® and CFA® with 15 years of experience in financial advising. He has been with Waterford Financial Management, LLC, an independent firm based in New Baltimore, MI, since 2007. Outside of financial advising, he serves as a director of Thompson-Phelan Group, Inc., a general contracting business. Waterford Financial Management provides fiduciary investment management and financial planning primarily for private individuals with tax-qualified and fully taxable accounts. The firm also offers employer consulting, including defined-contribution plan services, and uses a structured investment approach combining modern portfolio theory with intrinsic stock valuation.

Reno Frazzitta is a CFP® professional with 13 years of experience in financial advising, currently serving as the sole advisor at Smart Money Financial Advisors, LLC since 2015. He has over 30 years of experience as an independent insurance agent. Frazzitta is the managing member and founder of Retirement Learning Academy, which provides educational workshops on retirement planning, tax planning, Social Security, and Medicare. He also serves as Chapter President of the American Financial Education Alliance in the Oakland/Macomb area of Michigan, conducting financial literacy seminars. Smart Money Financial Advisors, LLC offers portfolio management and financial planning services primarily to individual and high-net-worth clients, utilizing a long-term investment approach based on Modern Portfolio Theory. The firm emphasizes documented client goals and risk tolerance, discretionary management, and ongoing portfolio monitoring.

Matthew Walschlager is a CFP® professional with one year of experience at Bay Pointe Financial in New Baltimore, MI. He previously worked with Bay Pointe Financial Management for six years and has a background that includes ownership of Anchor Bay Aquarium LLC. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employee benefit plans. The firm integrates fundamental analysis and modern portfolio theory in its investment strategies and actively participates in insurance distribution through its affiliation with the DPL Financial Partners platform.

Mark Pauwels Jr. is a financial advisor with Bay Pointe Financial, holding a Series 66 designation and 16 years of industry experience. Prior to joining Bay Pointe Financial in 2026, he worked for firms including Sigma Financial Corporation and Waddell & Reed Inc. He is also a licensed insurance agent appointed with various insurance companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting primarily to individuals, high-net-worth clients, and employee benefit plans. The firm uses documented client profiles and a combination of fundamental analysis and modern portfolio theory to tailor investment strategies, often seeking discretionary authority and incorporating both long-term and short-term trading.

Brett Busuttil is a financial advisor at Bay Pointe Financial with 13 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Bay Pointe Wealth, LLC, Sigma Financial Corporation, and MKD Wealth Coaches. Outside of advising, he is a licensed insurance agent appointed with various companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employee benefit plans. The firm combines fundamental analysis and modern portfolio theory with insurance products and fee-based annuities to tailor strategies based on documented client profiles.