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 experience at Bay Pointe Financial in New Baltimore, MI. He previously worked with Bay Pointe Financial Management for six years and has a background that includes ownership of Anchor Bay Aquarium LLC. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employee benefit plans. The firm integrates fundamental analysis and modern portfolio theory in its investment strategies and actively participates in insurance distribution through its affiliation with the DPL Financial Partners platform.

Mark Pauwels Jr. is a financial advisor with Bay Pointe Financial, holding a Series 66 designation and 16 years of industry experience. Prior to joining Bay Pointe Financial in 2026, he worked for firms including Sigma Financial Corporation and Waddell & Reed Inc. He is also a licensed insurance agent appointed with various insurance companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting primarily to individuals, high-net-worth clients, and employee benefit plans. The firm uses documented client profiles and a combination of fundamental analysis and modern portfolio theory to tailor investment strategies, often seeking discretionary authority and incorporating both long-term and short-term trading.

Brett Busuttil is a CFP® and ChFC® with 13 years of industry experience. He is currently with Bay Pointe Financial and has previously worked at Sigma Financial Corporation and MKD Wealth. Busuttil is also a licensed insurance agent appointed with various companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, and employee benefit plans. The firm integrates insurance products and uses documented client profiles alongside fundamental analysis and modern portfolio theory to tailor investment strategies.

Darren Hesselink is a financial advisor at Ironwood Financial, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Wealth Watch Advisors and ON Investment Management CO. Outside of advising, he is involved with Energetic Brands LLC and Energetic LLC, businesses he has been associated with since 2015. Ironwood Financial, LLC provides discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, and institutional entities. The firm uses distinctive options-writing strategies within separately managed accounts and tailors portfolios based on clients’ risk profiles and time horizons.

Michael Glenn is a CFP® with 25 years of industry experience, currently affiliated with Mariner Independent in Port Huron, MI. His prior roles include positions at Huntington National Bank and Oppenheimer. He also offers investment services through Sterling Private Wealth and Mariner Platform Solutions. Mariner Independent serves individuals, trusts, pension plans, and charitable organizations through a network of investment adviser representatives, providing financial planning, portfolio management, and access to a broad range of investment tools and affiliated business services.

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 with Wealth Watch Advisors, Inc. in Marine City, MI, holding Series 63 and Series 66 credentials and over 23 years of industry experience. His prior work includes roles at Wealth Strategies Financial Group, Securian Financial Services, Minnesota Life, and Valic Financial Advisors Inc. He also offers annuity, life, and health insurance as an independent contractor. Wealth Watch Advisors serves a diverse client base including individuals, pension plans, trusts, charitable organizations, corporations, and other registered investment advisers. The firm employs a mix of quantitative, qualitative, and technical investment strategies, utilizing third-party model managers and providing access to approved alternative private placements for accredited investors.

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 at Oppenheimer with 38 years of industry experience. He has held Series 63 and Series 65 designations and has been with Oppenheimer since 1999. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm provides a range of programs and advisory services, including discretionary and non-discretionary portfolio management, financial planning, and consulting.

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 at Oppenheimer with 17 years of industry experience. He holds a Series 66 designation and has been with Oppenheimer since 2008. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a range of advisory programs including asset management, consulting, and retirement services, using strategic and tactical asset allocation alongside manager selection and portfolio reviews.

Daniel Negin is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds Series 66 and Series 63 licenses and previously worked for Farm Bureau Insurance of Michigan for 14 years. Outside of his advisory role, Negin serves as CEO and managing partner of Riverfront Insurance and Financial Group, where he leads recruiting, development, training, and field work. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering multiple advisory platforms that combine long-term strategies with options for shorter-term trading and specialized instruments.

James Charron is a financial advisor at Oppenheimer with 42 years of industry experience. He has held his current position since 1999 and holds Series 63 and Series 65 designations. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs and advisory services that include strategic and tactical asset allocation, manager selection, and both discretionary and non-discretionary investment management.

Christopher Knowlton is a financial advisor at Oppenheimer with 34 years of industry experience. He has been with Oppenheimer & Co. Inc. since 1999 and holds Series 63 and Series 65 credentials. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services across equity, balanced, and fixed-income portfolios, using both discretionary and non-discretionary approaches.

James Mclaughlin is a financial advisor at Fifth Third Securities, Inc. with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Fifth Third Securities and Fifth Third Bank since 2007. Fifth Third Securities, Inc. serves individual and institutional clients, including high-net-worth individuals, corporations, trusts, and retirement accounts, through investment advisory and brokerage services. The firm offers a range of portfolio management programs via the Passageway Managed Account platform, combining multiple investment strategies and third-party managers to meet clients' risk profiles and financial goals.

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.

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.