Steven Robert Cross

I believe financial planning should be practical, understandable, and tailored to each client's unique situation. Whether someone is preparing for retirement, growing a business, managing a company retirement plan, or navigating a major life transition, my goal is to simplify complex decisions and provide guidance they can feel confident acting on. As the founder of DeMull Financial, I take a comprehensive approach to planning that goes beyond investments alone. Financial decisions rarely happen in a vacuum, so I work with clients to coordinate the many moving pieces of their financial lives, including retirement, taxes, cash flow, risk management, and legacy planning. I am committed to building long-term relationships based on trust, transparency, and accountability. The most rewarding part of my work is helping clients gain clarity, reduce financial stress, and feel confident about their future. Outside of the office, I enjoy golfing, coaching youth athletics, and spending time with my family.

Larry Fitzpatrick is the sole advisor at Fitzpatrick Financial Solutions, LLC, an independent firm based in Lansing, MI. He holds Series 63 and Series 65 licenses and has 16 years of industry experience, having founded his firm in 2009. Fitzpatrick Financial Solutions provides investment advisory and financial planning services to individual investors as well as retirement plans, trusts, estates, and small-business pension arrangements. The firm emphasizes primarily non-discretionary account management, utilizing technical, fundamental, and statistical analysis with a focus on ETFs, stocks, and bonds for cost efficiency and liquidity.

Michael Parent is a financial advisor at Zen Horizon with a Series 65 designation and one year of industry experience. Prior to joining Zen Horizon Planning LLC, he held roles at Outward Intelligence, StockX, and Volkswagen Group of America. Outside of his advisory role, he maintains a full-time quantitative research position. Zen Horizon Planning LLC is a fee-only registered investment adviser that provides financial planning services to individuals and high-net-worth clients through ongoing and project-based engagements. The firm does not manage client assets or accept custody of client funds, focusing instead on delivering tailored written financial plans.

Jon Solitro is a CFP® and Series 66-licensed advisor with 12 years of industry experience. He is the principal of FinancialMD, LLC and has previously worked with Principal Securities INC, Washington Avenue Advisors, Holt-Dimondale Agency, The Centennial Group, and Principal Life Insurance Company. He serves as a board member for Youth Haven. FinancialMD provides comprehensive financial planning and discretionary investment management to individuals, families, businesses, and retirement plans, utilizing both tactical and strategic allocation supported by fundamental and technical analysis. The firm offers tailored advisory services including tax preparation through affiliated entities and maintains protocols to address potential conflicts related to its licensed insurance activities.

Tom Owiti is a financial advisor with Parousia Wealth Stewards in Lansing, MI. He holds the ChFC® designation and Series 66 license, with five years of industry experience. Prior to founding Parousia Wealth Stewards, he worked at Beacon Wealth Consultants and Wells Fargo Clearing, and he is also principal and owner of Parousia Life Matters, LLC, a financial coaching and consulting business serving families and individuals. Parousia Wealth Stewards provides wealth management and financial planning services to individuals, high-net-worth clients, business owners, and charitable organizations. The firm offers fee-only investment management and project-based planning, utilizing third-party model providers and institutional platforms, with options for socially and Biblically Responsible Investing.

Justin Martello is a CFP® with 19 years of industry experience and has been with Effective Assets since 2012, currently serving as the sole advisor at the firm. He also works as an independent insurance agent outside of his advisory role. Effective Assets is a small SEC-registered investment adviser managing approximately $165 million in client assets, providing discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, retirement plans, charitable organizations, and select businesses. The firm emphasizes socially responsible investing through ESG analysis and client-imposed social screens, with a focus on individualized asset allocation and regular client communications.