Emily Wetter is a CFP® and holds a Series 66 license with five years of industry experience. She is the principal of LOTV Planning & Consulting and has prior experience at firms including Morgan Stanley and Schwallier Wealth Management LLC. Outside of investment advising, she is involved with Monoceros Consultants LLC, a tax planning business, and works with Holistiplan LLC, a company providing advanced planning software solutions. LOTV Planning & Consulting offers financial planning, investment consultation, and portfolio monitoring services primarily to individual and high-net-worth clients. The firm provides tailored written plans and advice across various financial topics, emphasizing a consultative approach with individualized asset-allocation guidance and ongoing client reviews without discretionary asset management.

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.

Ryan Mc Neill is a financial advisor at Insight Folios with eight years of industry experience. He holds a Series 65 designation and has worked at Legacy Life Financial, Insight Folios, Brookstone Capital Management, and Great Lakes Insurance. In addition to his advisory role, he is an insurance producer involved in the sale of life and health insurance and annuity products. Insight Folios provides portfolio management and financial planning services primarily for individual and high-net-worth clients, as well as ERISA plan consulting and participant advisory services. The firm serves other registered investment advisers through sub-advisory relationships and employs a team-based approach supplemented by proprietary planning software and artificial intelligence tools.

Michael Glenn is a CFP® with 25 years of industry experience, currently serving at Mariner Independent. His prior roles include positions at Huntington National Bank and Oppenheimer & Co Inc. He operates Sterling Private Wealth, offering investment services through the Mariner platform. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, model portfolios, and access to third-party managers, supported by integrated institutional and retirement plan resources.

Christine Newberry is a financial advisor at Mariner Independent with a Series 65 designation and over 20 years of experience, including a long tenure at Huntington National Bank. She has been affiliated with Mariner Platform Solutions and Sterling Private Wealth since 2025. Mariner Independent offers investment advisory, financial planning, and consulting services to individuals, trusts, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides access to model portfolios, third-party managers, and retirement plan services, supported by institutional resources and affiliated private funds.

Scott Metzner is a financial advisor with Stifel Independent Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Stifel Independent Advisors since 2019 and previously spent nine years at Stifel Nicolaus & Co Inc. Outside of financial services, Metzner serves as a board member of the International Symphony Orchestra in Sarnia, Canada. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and municipal entities, offering brokerage and fee-based advisory services. The firm employs a collaborative planning process supported by proprietary capital market assumptions and probabilistic modeling to develop tailored asset allocation recommendations.

Christopher Bonapace is a CFP® with seven years of industry experience, currently serving as an advisor at Advisory Services Network since 2025. His prior experience includes roles at Ameriprise and Edward Jones, and he also worked at Dorsey Schools before entering financial advising. Outside of his advisory work, he owns and operates OHANA FINANCIAL, LLC, a service company supporting the business income and expenses of his financial practice. Advisory Services Network serves individuals, families, corporations, and charitable organizations with portfolio management, financial planning, and retirement-plan consulting. The firm’s network of independent advisors manages approximately $8.6 billion in client assets using a range of strategies and implementation options tailored to client needs.

Bailey Spencer is a financial advisor at SPC with a Series 66 designation and five years of industry experience. Prior to joining SPC, Spencer worked at Rei and LAZ Parking, among other roles. Outside of advising, Spencer also works part-time as a food delivery driver for Door Dash. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement services, employing discretionary and nondiscretionary management strategies tailored to client needs.

Jayson Sacco is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Charles Schwab, Ameriprise Financial Services, Fidelity Investments, and USAA Group. Outside of his advisory work, he hosts a weekly podcast called The Axial Spondyloarthritis Podcast and writes fiction books. Schwab Wealth Advisory provides non-discretionary investment advice and wealth-management services to clients enrolled in its managed account programs. The firm’s recommendations are based on proprietary research and asset-allocation models, serving Schwab brokerage clients who meet eligibility requirements.

Jeffrey Rancilio is a financial advisor with Oppenheimer in Port Huron, MI, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Oppenheimer since 1999. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, charitable organizations, and retirement plan fiduciaries. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation alongside various investment vehicles, with a distinctive emphasis on non-discretionary management and commission-based advisory programs.

Nicole Fobare is a financial advisor with PNC Wealth Management and holds Series 63 and Series 66 licenses. She has 19 years of industry experience, including roles at TD Ameritrade, Scottrade, and Citizens Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including an invitation-only digital portfolio strategists offering that uses algorithmic risk assessment and approved model strategies implemented via mutual funds and ETFs.

Denise Mathews is a financial advisor with OSAIC Institutions, INC. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. She has been with Infinex Investments, Inc. since 2008. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by providing advisory and brokerage services through customized engagements. The firm employs a network of investment adviser representatives who use a combination of fundamental and technical analysis and offer both discretionary and predominantly non-discretionary asset management solutions.

Ryan Charron is a financial advisor with Oppenheimer in Port Huron, MI, holding a Series 66 designation and 17 years of industry experience. He has been with Oppenheimer & Co since 2008. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides advisory and brokerage services such as investment management, consulting, retirement services, and financial planning, using strategic and tactical asset allocation across various investment vehicles.

Daniel Negin is a financial advisor with Equity Services, Inc. in Port Huron, MI, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Equity Services, he worked for Farm Bureau Insurance of Michigan for 14 years. He is also CEO and managing partner of Riverfront Insurance and Financial Group Inc., where he leads recruiting, development, training, and field operations. Equity Services, Inc. serves individuals, corporations, trusts, estates, charitable organizations, and retirement plans with financial planning, consulting, and asset management services. The firm offers investment management through a combination of proprietary and third-party platforms, emphasizing long-term allocations and manager-driven model portfolios while accommodating various trading strategies and client preferences.

James Charron is a financial advisor with Oppenheimer in Port Huron, MI, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Oppenheimer & Co Inc since 1999. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, charitable organizations, and retirement plan fiduciaries. The firm provides a variety of advisory and brokerage services, utilizing strategic and tactical asset allocation along with manager selection and multiple investment strategies to meet client objectives.

James Winiarski is a financial advisor with The Huntington Investment Company in Saint Clair, MI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at The Huntington Investment Company since 2012 and previously served at The Huntington National Bank from 2012 to 2018. The Huntington Investment Company provides advisory and wrap-fee programs to individual, charitable, corporate, and retirement clients. It operates an open-architecture, model-driven platform combining third-party sub-managers, wrap strategists, and proprietary models, overseeing approximately $6.3 billion in assets across nearly 400 advisors.

Christopher Knowlton is a financial advisor at Oppenheimer with Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Oppenheimer & Co. Inc. since 1999. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides advisory and brokerage services such as discretionary and non-discretionary investment management, consulting, retirement services, and financial planning, utilizing a range of investment strategies aligned with client objectives.

James Mclaughlin is a financial advisor with Fifth Third Securities, Inc. He holds Series 63 and Series 66 licenses and has 22 years of industry experience. He has been with Fifth Third Securities and Fifth Third Bank since 2007. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration and bank affiliation to provide a variety of discretionary managed-account programs with features such as direct indexing and tax-overlay services.

David Thomas is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Lori Stephenson is a Series 66-licensed financial advisor with Stifel in Saint Clair, MI, and has 17 years of industry experience. She has been with Stifel Nicolaus & Co. since 2010. In addition to her advisory role, she is a commissioned notary. Stifel serves a diverse client base that includes individuals, institutional investors, and municipal entities, providing both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, offering fee-based financial planning and model allocations intended to assist client decision-making.