Lawrence Zimbler is a financial advisor at 4Square Advisory Services, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes extensive involvement with tax preparation and education through the National Association of Tax Professionals. Outside of advisory work, he owns a tax-related business that provides tax return preparation, advice, and continuing education for tax professionals. 4Square Advisory Services, Inc. provides portfolio management and financial planning services primarily for individual and high-net-worth clients. The firm uses client-specific Investment Policy Statements and a fundamental-analysis approach to tailor investment strategies, and it is affiliated with accounting and tax services.

Bassam Salem is a financial advisor at Objective Investments, LLC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at InvestShares Advisor Group Inc., InvestShares, and Wunderlich Securities, Inc. He has been with Objective Investments since 2018. Objective Investments provides fee-based investment management services to individuals, high-net-worth clients, corporations, and qualified retirement plans. The firm offers tailored portfolios using a variety of analytical methods and serves as a limited-scope ERISA 3(21) fiduciary for employer-sponsored retirement plans.

I'm Paul, and I have been right where you are. I have a set of 13-year-old triplets, an 11-year-old, and a spouse with a demanding full-time career. Time is something you feel like you don't have, yet it also haunts you if you don't feel confident about some aspect of your finances. I get what you are going through, working extremely hard and watching the years go by swiftly because that is my life, too. That's why, when my triplets were born, I founded TAMMA. I saw firsthand how my family struggled with financial anxiety and the challenges and pressures it caused. This is one of the reasons I chose to become a financial advisor and build my firm: to help bring peace of mind to others. Now, I offer you that same path to financial health so you can achieve peace and security. Many busy families like yours are experiencing relief and confidence from obtaining a financial advisor in their corner, and you can too.

Natalie Miller is the principal advisor at Grit and Lavender Financial Planning in Brighton, MI, with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Merrill Lynch, PNC Investments, and Mass Mutual. Outside of advisory work, Miller provides educational and coaching services through her consulting business and serves as a small business coach and securities licensing instructor. Grit and Lavender Financial Planning serves individual clients with investment management, comprehensive financial planning, and financial coaching. The firm primarily uses a passive investment approach and offers subscription-style services and educational programming to support client implementation and ongoing engagement.

Robert Laura is an investment advisor with Wealth & Wellness Group, LLC, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been involved with Synergos Financial Group since 2009 and leads Wealth & Wellness Group since 2025. In addition to his advisory work, he is a member of Retirement Project LLC, an education-focused entity where he develops content and workshops. Wealth & Wellness Group offers portfolio management, financial planning, and fiduciary services to individuals, high-net-worth clients, trusts, estates, and certain employee benefit plans. The firm employs a diversified investment approach based on modern portfolio theory and fundamental analysis and provides both discretionary and non-discretionary management alongside standalone financial planning and second-opinion services.

Michael Cho is a financial advisor at Armor Wealth Strategies, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cutter & Company, Inc and Morgan Stanley Smith Barney LLC. Outside of advising, Cho serves as a fencing referee and volunteers as treasurer for the Disability Network of Oakland and Macomb Counties. Armor Wealth Strategies is a small advisory firm serving individual and high-net-worth clients with discretionary asset management, comprehensive financial planning, and ERISA 3(21) retirement-plan advisory services. The firm tailors portfolios to client goals and risk tolerances, employing a range of investment strategies and providing ongoing monitoring and quarterly reviews.

Daniel Ryan is a financial advisor with Daniel Ryan Financial LLC, holding a Series 65 credential and 11 years of industry experience. He previously worked at Jackson Financial for eight years before founding his current independent firm. Outside of advising, he assists with a family farm’s land leasing, taxes, and insurance, and works part-time in lumber and hardware sales. Daniel Ryan Financial LLC provides portfolio management and financial planning to individuals, high-net-worth clients, and business entities, as well as consulting services for employer-sponsored retirement plans. The firm emphasizes pension consulting and participant education, managing portfolios using a combination of cyclical and fundamental analysis with modern portfolio theory.

Scott Goldberg is the sole advisor at Equity Planning Group, Inc. in West Bloomfield, MI, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has been with Equity Planning Group since 2000. In addition to his advisory role, Goldberg is independently licensed as a mortgage loan officer. Equity Planning Group provides discretionary investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, and pension and profit-sharing plans. The firm employs fundamental analysis with both long- and short-term strategies across multiple asset classes and is notable for its work with qualified retirement plans, including acting as an ERISA fiduciary and 3(38) investment manager.

Thomas Horton is a CFP® professional with 16 years of industry experience. He has operated Horton Financial Planning LLC since 2004, serving clients from Farmington Hills, MI. Horton Financial Planning LLC is an independent, fee-only advisory firm that offers hourly, as-needed financial planning and investment advice primarily to individual clients. The firm emphasizes comprehensive planning and a long-term, buy-and-hold investment approach focused on passive, low-cost index funds with periodic rebalancing.

Bernard Shinkel is a financial advisor at Alpha Investment Management, Inc. in Novi, Michigan, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has been with Alpha Investment Management since 2010. Alpha Investment Management is an independent Michigan-registered advisory firm serving high-net-worth individuals, family limited partnerships, corporate pension and profit-sharing plans, and charitable organizations. The firm employs a top-down, macro-oriented investment process that emphasizes diversified global portfolios with low-cost ETFs and index funds, focusing on risk management and steady returns.

William Winn is a financial advisor with Fiducial Partners LLC in Brighton, MI, holding Series 65 and Series 66 licenses and nine years of industry experience. His prior roles include positions at Wealth Financial Advisory Services, Retirement Wealth Advisors, and Newbridge Financial Group, where he remains involved. In addition to advisory work, he is an independent insurance agent and owns Newbridge Financial Group, which offers life insurance, Medicare supplement, and annuity sales. Fiducial Partners LLC provides discretionary investment management to individuals, trusts, estates, retirement plans, charitable organizations, and business entities. The firm constructs portfolios using equities, mutual funds, ETFs, and fixed income, managing accounts primarily on a discretionary basis with tailored strategies based on fundamental and technical analysis.

Kristian Kalaj is the principal advisor at Kalaj Capital in Novi, Michigan, holding a Series 65 designation with two years of industry experience. He has worked as an independent contractor in general contracting since 2014, dedicating about 10 hours per week to this activity. Kalaj Capital provides asset management and financial planning services, offering continuous supervision of custodial accounts and comprehensive financial plans that cover tax planning, retirement, insurance, and other personal financial matters. The firm employs a combination of fundamental and technical analysis across various investment strategies, managing accounts on a separate-account basis with discretionary authority granted by clients.

Sevag Vartanian is the sole advisor at Vartanian Capital Management in Novi, MI, holding Series 63 and Series 66 licenses with 26 years of industry experience. Prior to founding his firm in 2019, he worked at Cambridge Investment Research Inc for five years. He is also involved with DGC Leasing, LLC, an equipment leasing business. Vartanian Capital Management provides discretionary and non-discretionary investment management to individuals, families, family offices, trusts, estates, private foundations, and qualified retirement plans. The firm employs fundamental analysis with a long-term strategy tailored to each client’s financial and tax situation, and is notable for its focus on servicing charitable and private foundations.

Brian Heal is the principal advisor at Heal Financial LLC in Novi, Michigan, holding Series 63 and Series 65 licenses with 19 years of industry experience. His prior roles include positions at Sports & Entertainment Investment Advisors, The Heal Agency, NYLIFE Securities, PKS Financial Corp, Major League Financial Group, and Woodbury Financial Services. He is also an independent insurance agent. Heal Financial, LLC provides discretionary investment management and financial planning services to individuals, trusts, and pension and profit-sharing plans. The firm employs a model-based approach featuring diversified portfolios, including a specialized Sports & Entertainment model, and integrates both long- and short-term holdings with options strategies.

Robert Minasian is a financial advisor with Personal Wealth Management, LLC in Commerce, MI, holding Series 65 and Series 66 licenses and 26 years of industry experience. He has worked at several firms, including Ele Wealth Advisors, Prime Meridian Capital Management, and Novus Investments, where he also serves as a licensed branch manager and business development director. Minasian provides life insurance and fixed index annuity solutions through affiliations with independent firms. Personal Wealth Management, LLC offers investment supervisory services and financial planning to individuals, business owners, and institutional clients. The firm constructs individualized portfolios using a mix of fundamental and technical analysis, managing accounts on a discretionary basis with ongoing monitoring and quarterly reporting.

Herbert Glass is the principal of Glass Retirement Strategies, Inc. in Bingham Farms, MI, with 14 years of industry experience. He holds the ChFC® and Series 63 designations and has been with his current firm since 2009. Outside of investment advisory, he is involved in pension setup and administrative services as well as insurance product sales. Glass Retirement Strategies primarily advises pension, profit-sharing, and 401(k) plans and offers the SEI Asset Allocation Program to high-net-worth individuals, trusts, and institutional clients. The firm focuses on an asset-allocation approach and provides services largely on a non-discretionary basis, combining retirement plan consulting, administration, and participant education.

Michael Demeyere is a CFP® professional with 15 years of industry experience, currently serving as the sole advisor at Summit Wealth Strategies Group, LLC since 2009. Prior to founding the firm, he was associated with Cynosure Financial, Inc. for ten years. Summit Wealth Strategies Group is an independent, fee-only registered investment adviser providing investment management, financial planning, and consultation services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and other business entities. The firm also manages corporate and institutional retirement plans and offers non-investment business consulting, emphasizing long-term asset allocation and diversification through individualized portfolio management.

Steven Brown is a financial advisor at Precision Vector Financial with five years of industry experience. He holds a Series 65 designation and previously worked at Pinnacle Wealth Management, Inc. In addition to his advisory role, Brown is an air traffic controller with the Federal Aviation Administration and works as an independent insurance agent. Precision Vector Financial is a state-registered advisory firm providing retirement consulting, financial planning, investment management, and 401(k) plan administration. The firm utilizes a strategic asset allocation framework centered on index mutual funds and ETFs, with discretionary management guided by client-specific Investment Policy Statements.

John Pelon is a financial advisor at Patrick Financial Group LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at ATS Capital Advisors and Advance Capital Services. Pelon also serves as President and Chief Compliance Officer of ATS Capital Advisors. Patrick Financial Group, LLC provides discretionary investment advisory and portfolio management services to individuals, high-net-worth clients, charitable organizations, foundations, trusts, and estates. The firm customizes portfolios based on client objectives and risk tolerances, primarily using no-load mutual funds and ETFs, with ongoing rebalancing and portfolio supervision.

Michael Prus is the president and founder of Scale Investment Group, an independent investment advisory firm. He holds Series 63 and Series 65 designations and has 15 years of industry experience. Prior to founding Scale Investment Group in 2010, he worked at Freedom One Financial Group and Investment Counsel Inc. Scale Investment Group provides investment advisory and consulting services to individual and institutional clients, including ERISA-qualified retirement plans and other advisers. The firm focuses on low-cost, diversified portfolios using a combination of quantitative and qualitative fund selection, offering both discretionary and non-discretionary management along with pension consulting and sub-advisory services.