Mitchel Vallie

Lawrence Zimbler is the sole advisor at 4Square Advisory Services, Inc. in Fenton, MI, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has worked at Ridgeway Conger Advisory Services Inc. and has maintained a long-standing role with the National Association of Tax Professionals since 2005. In addition to his advisory work, he owns a tax preparation and education business that provides tax return preparation, advice, representation, and continuing education for tax professionals. 4Square Advisory Services primarily serves individual and high-net-worth clients with portfolio management and financial planning, utilizing written Investment Policy Statements tailored to client goals. The firm employs a model-driven investment process covering mutual funds, fixed income, REITs, ETFs, annuities, TIPS, and international securities, often with discretionary trading authority, and offers fiduciary advice for retirement accounts and services to tax-exempt organizations.

Jeremy was raised in Davison, Michigan and graduated from Davison High School. He is the son of an African-American Air Force Veteran who served in Vietnam and Korea. His mother, a retired IT professional, is the daughter of an AC Spark Plug engineer who worked in Flint for over 30 years. After high school, Jeremy attended Central Michigan University where he earned his Bachelor of Science in Business Administration with a double major in Personal Financial Planning and Real Estate Development & Finance. He was also a 4-year varsity letter recipient in football as a wide receiver. Fire Up Chips! Jeremy has been working in the financial services industry since 2012 and has been a Certified Financial Planner™ (CFP®) certificate holder since 2015. The CFP® certification marks identify professionals who have met the high standards of competency and ethics established and enforced by the CFP Board. CFP Board's Standards of Professional Conduct require CFP® professionals to act in their clients’ best interests. Jeremy lives in Swartz Creek with his wife, Carol, an elementary school teacher at Dewitt Public Schools. They have been married since 2015 and have two children, Harrison and Scarlett, whom they welcomed in 2018 and 2021, respectively. Jeremy enjoys playing and watching sports, movies, and spending time with his family.

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 principal advisor at Kastler Financial Planning in Ortonville, MI. He holds Series 63 and Series 65 licenses and has 10 years of industry experience, including roles at The Prudential Insurance Company of America and several wealth management firms. He serves as a member of the Alumni Board for Notre Dame Preparatory School, assisting with alumni activities. Kastler Financial Planning is a fee-only advisory firm focused on financial and retirement planning for individuals nearing or in retirement. The firm employs a predominantly passive investment approach based on Modern Portfolio Theory, offers various planning engagement options, and uses flat-fee, tiered, and hourly billing rather than percentage-of-assets fees.

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 13 years of industry experience. He holds a Series 65 designation and previously worked at 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 by providing portfolio management and financial planning. The firm employs diverse investment strategies, including options and alternative vehicles, and typically manages accounts on a discretionary basis with quarterly reporting.