Kyle Newman

Kenneth Simmons is the owner and president of Simmons Financial Services, Inc. in Richmond, MI, with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been practicing law since 1994, operating an estate planning practice under the d/b/a Heritage Estate Planning. Simmons’s background includes over two decades at Horwitz & Associates, Inc., and he continues to provide estate planning services alongside his financial advisory work. Simmons Financial Services, Inc. offers discretionary investment supervisory services to individual investors, trusts, and estates, managing approximately $1.3 million in discretionary assets. The firm uses a combination of charting, fundamental, and technical analysis to implement portfolios primarily composed of publicly traded equities, bonds, and ETFs, while coordinating estate planning and insurance services through its attorney-led practice.

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.

Matthew Walschlager is a CFP® professional with one year of industry experience, currently serving at Bay Pointe Financial. Prior to this role, he worked at Bay Pointe Financial Management for six years and held a position with Anchor Bay Aquarium LLC for four years. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, and employee benefit plans. The firm employs a documented client profiling process and utilizes fundamental analysis alongside modern portfolio theory to tailor investment strategies, incorporating both long-term and short-term trading, with a notable focus on insurance product distribution through the DPL Financial Partners platform.

Mark Pauwels Jr. is a financial advisor at Bay Pointe Financial with 15 years of industry experience. He holds a Series 66 credential and has previously worked at Sigma Financial Corporation and Waddell & Reed Inc., among others. Pauwels is also a licensed insurance agent appointed with various companies and is a co-owner of Bay Pointe Property Holdings, 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 insurance products into its offerings and employs documented client profiles and modern portfolio theory to tailor investment strategies.

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 several firms, including Sigma Financial Corporation and MKD Wealth. Outside of his advisory role, he is a licensed insurance agent and co-owner of Bay Pointe Property Holdings, a commercial real estate entity. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, and employee benefit plans. The firm integrates insurance products and fee-based annuities into its investment strategies and employs a documented client profiling process combined with fundamental analysis and modern portfolio theory to tailor its recommendations.

Darren Hesselink is a financial advisor at Ironwood Financial, LLC with seven years of industry experience. He holds Series 65 and Series 63 designations and previously worked at Wealth Watch Advisors and Energetic Brands LLC. Outside of advisory roles, he is involved with Energetic LLC. Ironwood Financial provides investment management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, trusts, and charitable organizations. The firm employs a distinctive approach incorporating derivatives and options-writing strategies within separately managed accounts.