Richard Paul is a CFP® with 42 years of industry experience, currently serving as an advisor at Richard W. Paul & Associates, LLC, where he has worked since 2011. He is also the owner and president of Midwest Financial Consultants, a firm engaged in fixed insurance products since 2007. Richard W. Paul & Associates, LLC provides discretionary portfolio management, financial planning, and modular consulting to individuals, high-net-worth clients, and charitable organizations. The firm’s approach includes customized retirement income projections, risk assessments, and asset allocation across active and passive strategies, with a focus on value, safety, and loss avoidance.

Thomas Griffore is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at Sovereign Financial Group, Inc. since 2026 and previously held positions at Great Lakes Wealth, LLC, Eagle Strategies (NY Life), Citizens Securities, Inc., NYLIFE Securities LLC, and Fidelity Investments. Outside of his advisory role, he is involved in insurance sales through his separate activity with IAMS. Sovereign Financial Group provides investment management, financial planning, retirement plan advisory, and cash-management services to a diverse client base including individuals, high-net-worth clients, trusts, estates, and businesses. The firm employs a primarily long-term, portfolio-focused investment approach using low-cost mutual funds and ETFs alongside individual securities, supported by fundamental and technical analysis with AI tools, and offers sub-advisory and bespoke services to other registered investment advisers.

James Bashaw is a financial advisor at JLB & Associates Inc with 15 years of industry experience. He holds a Series 65 designation and has been with JLB & Associates since 1987. JLB & Associates is a registered investment adviser serving individuals, trusts, corporations, and employee benefit plans, including high-net-worth clients. The firm manages discretionary portfolios using a fundamental analysis approach focused on a defined universe of approximately 200 companies and emphasizes investment-grade corporate bonds in its fixed-income strategy.

Darwin Moore is a financial advisor at Financial Freedom House in Waterford, MI, with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Freedom House since 2016. Outside of his advisory role, he owns and operates 4U, LLC, a transportation and handyman services business. Financial Freedom House provides investment advisory, portfolio management, and financial planning services to individuals, high-net-worth clients, and qualified retirement plan sponsors. The firm uses Modern Portfolio Theory and strategic asset allocation with primarily passive investment vehicles, delivering advice on a fiduciary basis supported by ongoing financial plan modeling.

Kent Commer is a financial professional with 33 years of industry experience, currently affiliated with Arrow Financial Group. He holds Series 63 and Series 65 licenses and has worked at Arrow Investment Management LLC since 2010, with prior experience at Royal Alliance Associates, Inc. and Essex Financial Group. Outside of his advisory work, Commer serves as clerk for the First Church of Christ, Scientist, and holds nonprofit roles including secretary/treasurer of the Grosse Pointe Ministerial Association and secretary of the Lakshore Optimist Club & Fund. Arrow Investment Management, LLC provides investment management, financial planning, and retirement-plan consulting to individuals, corporations, foundations, and employee benefit plans. The firm uses personalized, risk-adjusted asset allocation models across more than 15 asset classes and offers multiple portfolio delivery platforms while maintaining a small advisory team and client roster.

Timothy Rush is a financial advisor with The Nemes Rush Group, LLC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Raymond James and Associates, Alden Investment Group, and Silverwood Risk Management, where he is also an owner and insurance agent. The Nemes Rush Group serves individuals, high net worth clients, corporations, charities, and retirement plans, providing portfolio management, financial planning, retirement plan consulting, and business consulting. The firm combines fundamental and technical analysis in its investment approach and offers both discretionary and non-discretionary management with regular account reviews.

Stephanie Rose is a financial advisor at Arrow Financial Group with a Series 66 designation and one year of industry experience. Prior to joining Arrow Financial Group, she worked at Northwestern Mutual and OSAIC Wealth, Inc. Outside of finance, she operates a pharmaceutical courier delivery service as a secondary source of income. Arrow Investment Management, LLC provides investment management, financial planning, and retirement-plan consulting to individuals, corporations, foundations, and employee benefit plans. The firm uses personalized, risk-adjusted asset allocation models across more than 15 asset classes and offers various portfolio management solutions through multiple delivery platforms.

Jonathan Johnson is a CFP® and Series 65 licensed advisor at Blue Chip Partners, LLC with eight years of industry experience. He has worked at Blue Chip Partners since 2017 and was previously employed at ATS Advisors, a CPA firm. Outside of his advisory role, he also works as an independent tax preparer in Canton, Michigan. Blue Chip Partners provides fee-based investment management and financial planning to individuals, high-net-worth clients, trusts, estates, small businesses, charitable funds, and pension/profit-sharing plans. The firm emphasizes tailored client relationships and employs customized asset-allocation models using fundamental, technical, and cyclical analysis.

Jeremy Brandt is a financial advisor at SkyOak Wealth with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Brandt, Kelly & Simmons Securities, LLC and Bks Advisors, LLC since 2006. SkyOak Wealth provides wealth management, investment management, comprehensive financial planning, retirement plan advisory, and family office services to individuals, families, corporations, retirement plans, endowments, and foundations. The firm uses a discretionary, customized investment approach that blends fundamental, trend, and technical analysis across various asset classes.

Bryan Smith is a financial advisor at Pathworks Financial, Inc. with eight years of industry experience. He holds a Series 65 credential and has worked at Pathworks Financial since 2017. In addition to his advisory role, he is a licensed realtor and works part-time selling residential real estate through Center Street Realty, LLC. Pathworks Financial, Inc. serves individuals, pension and profit-sharing plans, trusts, small businesses, and estates. The firm employs an investment approach based on academic models like Modern Portfolio Theory and the Fama-French model, offering diversified asset allocation primarily through mutual funds and ETFs, along with alternative investments and family office services.

Matthew Paul is a CFP® professional with 12 years of industry experience, currently serving at Richard W. Paul & Associates, LLC. He has previously worked at J.W. Cole Financial, Inc. and G.F. Investment Services, LLC. Outside of his advisory role, he participates as a cryptocurrency validator on the Ethereum network. Richard W. Paul & Associates, LLC provides fee-based advisory and financial planning services to individuals, high net worth clients, and charitable organizations. The firm employs a blend of actively and passively managed investment strategies with a focus on value, safety, quality, and risk control, and offers customized retirement income projections and ongoing portfolio monitoring.

Jeff Osaer is a financial advisor at Spartan Wealth Management with 14 years of industry experience. He holds the Series 66 designation and has worked at firms including Charles Schwab and Cadaret Grant & Co., Inc. since 2016. Spartan Wealth Management provides discretionary investment management and comprehensive financial planning services to individuals, trusts, estates, businesses, and retirement plans. The firm emphasizes long-term portfolio construction using fundamental analysis and Modern Portfolio Theory, managing a multi-advisor team with a diverse range of investment strategies.

Craig Simmons is a financial advisor at SkyOak Wealth with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Brandt, Kelly & Simmons Securities, LLC since 2002. Simmons has been with SkyOak Wealth since 2019. SkyOak Wealth provides wealth management, investment management, comprehensive financial planning, and family office services to individuals, families, corporations, retirement plans, endowments, and foundations, including high-net-worth clients. The firm employs a customized investment process often using a core–satellite approach with active management across a range of asset classes and strategies.

Steven Paul is a CFP® with 10 years of industry experience, currently serving as an advisor at Richard W. Paul & Associates, LLC since 2015. He also works as an insurance agent with Midwest Financial Consultants, a role he has held since 2010. Richard W. Paul & Associates, LLC provides discretionary portfolio management, financial planning, and modular consulting to individuals, high-net-worth clients, and charitable organizations. The firm employs a customized approach beginning with retirement income projections and risk assessments, combining active and passive investment strategies with insurance solutions.

Christopher Szydlowski is a CFA® charterholder based in Plymouth, MI, with 16 years of industry experience. He has worked at JLB & Associates Inc since 1998. JLB & Associates provides discretionary and non-discretionary portfolio management and retirement-plan advisory services to individuals, trusts, corporations, and employee benefit plans. The firm’s investment approach emphasizes fundamental equity analysis within a defined 200-company research universe, with portfolios typically holding 20–30 stocks blending growth and value, while fixed-income management focuses on investment-grade corporate bonds with maturities under ten years.

Stefanie Porter is a CFP® professional with 21 years of industry experience, currently serving as an advisor at White Pine Investment Company since 2022. Her prior experience includes roles at Pacific Life Distributors, TIAA-CREF, and Wells Fargo Clearing. She is also the sole member of Five Needles Estate Planning Services, PLLC, which offers estate planning and document drafting services. White Pine Investment Company provides fee-only investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental, technical, cyclical, and charting analysis to implement tailored portfolios and emphasizes regular written client communications and estate-planning coordination.

Matthew Trujillo is a Certified Financial Planner™ (CFP®) and holds a Series 66 license with 16 years of industry experience. He is a lead financial planner and partner at Center for Financial Planning Inc, where he worked from 2013 to 2021, and has also been affiliated with Raymond James Financial Services since 2013. Outside of his advisory role, he teaches chess to middle school students and has authored a chess instruction book used in his classes. Center for Financial Planning, Inc. serves individuals, high-net-worth clients, trusts, estates, and charitable organizations by providing comprehensive financial planning and investment management. The firm emphasizes strategic asset allocation and diversification, managing approximately $1.97 billion in assets through a team of 17 advisors.

Jack Skrzycki is a CFP® with five years of industry experience, currently serving at Spartan Wealth Management. His prior roles include positions at LPL Financial, Thurston Springer Financial, Wells Fargo Advisors, and Merrill Lynch. Outside of advisory work, he is associated with SKRITZ LLC, a business entity for tax and investment purposes. Spartan Wealth Management offers discretionary investment management and comprehensive financial planning to individuals, trusts, estates, businesses, and retirement plans. The firm employs a multi-advisor team approach that emphasizes long-term portfolio construction using fundamental analysis and Modern Portfolio Theory.

Mark Zywiol is a CFP® and holds a Series 66 license with nine years of industry experience. He is currently with Stonebrook Private LLC, where he has worked since 2024. His prior roles include positions at Charles Schwab & Co., Fidelity Investments, Raymond James & Associates, and teaching at Walsh College of Accountancy and Business. Stonebrook Private LLC provides wealth management, investment management, and financial planning services to individuals, trusts, estates, businesses, and retirement plans. The firm uses a primarily long-term investment approach with portfolios including ETFs, individual equities, covered options, structured products, and alternative investments, implemented through discretionary management and oversight of independent managers.

Jeffrey Braun is a financial advisor at Vantage Point Financial, LLC with four years of industry experience. He holds a Series 65 designation and previously worked for Progressive Insurance Company for seventeen years. Braun is also involved in insurance sales outside of his advisory role. Vantage Point Financial serves individuals, families, high-net-worth clients, and business owners with investment management, financial planning, and wealth consulting services. The firm employs a fiduciary, customized approach focused on long-term portfolio construction using low-cost mutual funds and ETFs, while incorporating alternative investments and integrated planning advice.