Scott John Chisholm

You make good money. You have a plan somewhere. What you are not sure about is whether anyone is actually watching the whole thing. Right now, you probably have an advisor for investments, a CPA for taxes, and maybe an attorney for estate documents. None of them talk to each other. You are the one in the middle, repeating your situation to three people who each see one slice of it. I build the financial plan, and I prepare and file your tax return myself. Same person, same conversation. The tax decision and the planning decision get made together, by someone who can see how one moves the other. Most advisors hand you off to a CPA who has never seen your plan. I do not hand you off. I work with dual-income parents, director level and up, two demanding careers, kids at home, and a financial life that has gotten more complicated than you have time for. Equity comp you have not fully sorted out. College creeping up. Estate documents written before your last job change. All of it in motion at once, and no one holding it together. What I give you back is time. One relationship instead of many. One person who knows the whole story, so you stop being the project manager of your own financial life. None of these pieces is that hard on its own. The coordination is what you do not have the hours for. That is the part I take off your plate. I am raising four kids of my own, including a set of triplets, so I plan from inside this life stage, not from a brochure. I know what it costs, in money and in attention, to do this well. If you are tired of being the one who holds it all together, reach out. I will tell you honestly whether I am the right fit.

Sean R. Sparkman, AIF®, is the founder of Pathfinders Wealth and an investment adviser representative with Foundations Investment Advisors, LLC. Based in Commerce Township, Michigan, he works with families, retirees, and business owners nationwide by phone and video and throughout Southeast Michigan in person by appointment. His work focuses on retirement income planning, investment management, Social Security, Roth conversions and other tax-aware planning decisions, life insurance, annuities, survivor planning, and long-term family and legacy goals. Sean's approach is simple: every dollar should have a job. Depending on the client, that job may be growth, income, liquidity, tax efficiency, protection, or legacy. The job comes first; the product comes after. Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC-registered investment adviser. Insurance products are offered separately through appropriately licensed insurance professionals. Estate-planning matters may be coordinated with a client's independent attorney; Sean does not provide legal services.

Philip Tribble is a CFP® professional with nine years of industry experience, currently operating Tribble Financial Planning in Ann Arbor, MI. He previously worked at Arbor Trust Wealth Advisors and AXA Network. Outside of financial advising, he serves as a paid high school football official in Michigan, a role he has held intermittently over the past nine years. Tribble Financial Planning is an independent, fee-only advisory firm focused on financial planning for individual clients through both ongoing and project-based engagements. The firm emphasizes comprehensive written plans covering retirement, tax, estate, and other areas, providing investment analysis and asset allocation recommendations without managing client assets or custody.

Robert Oliver is a CFP® and CFA® with 15 years of industry experience. He founded Oliver Financial Planning LLC in Ann Arbor, MI, and has been leading the firm since 2005. In addition to his advisory work, he serves as the administrative manager of a family investment-related business for his wife's parents. Oliver Financial Planning is an independent, fee-only registered investment adviser that provides ongoing financial planning and investment advice to individuals, including some high-net-worth clients, as well as two privately held Florida limited-liability companies. The firm emphasizes a buy-hold-and-rebalance approach using primarily low-cost mutual funds and ETFs, and operates under a fixed program and hourly fee model without discretionary management or custody of client assets.

Natalie Miller is the principal advisor and owner of Grit and Lavender Financial Planning, an independent firm based in Brighton, Michigan. She holds Series 63 and Series 66 designations and has 14 years of industry experience, including roles at Merrill Lynch, PNC Investments, and Mass Mutual Life Insurance Company. Outside of her advisory work, she provides non-securities related consulting, coaching, and virtual instruction for securities licensing exams. Grit and Lavender Financial Planning serves individual clients with services ranging from ongoing investment management to one-time financial plans and hands-on financial coaching. The firm primarily employs a passive investment approach using index mutual funds and ETFs, supplemented by fundamental and technical analysis, and offers a subscription-style billing model with educational seminars and fee-based courses.

Samuel Fineberg is the sole advisor at Fineberg Wealth Management, LLC in Ann Arbor, MI, holding a Series 66 designation with 13 years of industry experience. He has managed his independent advisory firm since 2012. Outside of his advisory role, he has been involved in rental property management since 2008. Fineberg Wealth Management serves individual clients by providing discretionary investment supervisory and portfolio management services without account minimums. The firm uses a combination of charting, fundamental, technical, and cyclical analysis to build diversified portfolios and employs various trading strategies, conducting regular account reviews.