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.

Jonathan Phelan is a CFP® and CFA® with 15 years of experience in financial advising. He has been with Waterford Financial Management, LLC, an independent firm based in New Baltimore, MI, since 2007. Outside of financial advising, he serves as a director of Thompson-Phelan Group, Inc., a general contracting business. Waterford Financial Management provides fiduciary investment management and financial planning primarily for private individuals with tax-qualified and fully taxable accounts. The firm also offers employer consulting, including defined-contribution plan services, and uses a structured investment approach combining modern portfolio theory with intrinsic stock valuation.

Matthew Walschlager is a CFP® professional with one year of industry experience, currently serving at Bay Pointe Financial. His prior work includes six years at Bay Pointe Financial Management and four years with Anchor Bay Aquarium LLC. Bay Pointe Financial offers discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth individuals, and employer-sponsored pension plans. The firm combines fundamental analysis and modern portfolio theory in its investment process and utilizes the DPL Financial Partners platform to provide access to insurance products.

Mark Pauwels Jr. is a financial advisor at Bay Pointe Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Sigma Financial Corporation and Waddell & Reed Inc. Outside of advising, he is a licensed insurance agent appointed with various companies. Bay Pointe Financial provides discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employer-sponsored plans. The firm combines fundamental analysis and modern portfolio theory to create individualized investment strategies and offers insurance-based retirement products aligned with clients’ objectives.

Brett Busuttil is a CFP® and ChFC® with 13 years of industry experience. He currently works at Bay Pointe Financial and previously spent nine years at Sigma Financial Corporation/Spc. He is a licensed insurance agent and co-owner of a commercial property holding company in St. Clair, Michigan. Bay Pointe Financial provides discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employer-sponsored plans. The firm combines fundamental analysis and modern portfolio theory with tailored client profiles to guide investment decisions and incorporates insurance products when aligned with client goals.

Darren Hesselink is a financial advisor at Ironwood Financial, LLC with seven years of industry experience. He holds Series 65 and Series 63 designations and previously worked at Wealth Watch Advisors and Energetic Brands LLC. Outside of advisory roles, he is involved with Energetic LLC. Ironwood Financial provides investment management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, trusts, and charitable organizations. The firm employs a distinctive approach incorporating derivatives and options-writing strategies within separately managed accounts.

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.

Christopher De Veny is a financial advisor at Wealth Watch Advisors, INC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Valic Financial Advisors Inc and Wealth Strategies Financial Group. In addition to his advisory role, he offers annuity, life, and health insurance as an independent contractor. Wealth Watch Advisors serves a diverse client base that includes individual, high-net-worth, and institutional accounts, providing portfolio management, financial planning, and access to third-party model portfolios. The firm employs a model-driven investment approach primarily executed through approved third-party sub-advisors and SAM programs.

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, Bailey worked at Sigma Financial Corporation and held various roles at other companies including Rei and LAZ Parking. Outside of financial advising, Bailey also works part-time as a food delivery driver for Door Dash. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm operates a large advisory network serving over 30,000 clients and delivers tailored, discretionary investment advice primarily through the SIGMA Managed Account and other programs.

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.

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 66 and Series 63 certifications and one year of industry experience. Prior to joining Equity Services, he worked at Farm Bureau Insurance of Michigan for 14 years. He is also CEO and managing partner of Riverfront Insurance and Financial Group, where he leads recruiting, development, training, and field work. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms using third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

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, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with The Huntington Investment Company since 2012 and previously worked within The Huntington National Bank from 2012 to 2018. The Huntington Investment Company, operating as Huntington Financial Advisors, provides advisory and brokerage services to individuals, including high-net-worth clients, charitable organizations, corporations, and other business entities. The firm offers multiple wrap-fee programs through the Envestnet MAS platform, employs an open-architecture investment model, and integrates proprietary Private Bank strategies alongside third-party offerings.

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.

Aaron Goodwin is a financial advisor with Empower Advisory Group in Saint Clair, MI, holding a Series 66 designation. He has been with Empower Advisory Group since 2026 and has prior experience with Freestar Financial Credit Union, Paychex, ADP, and Rocket Mortgage. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and savings rates rather than short-term forecasts.