Gerald St. Cin is an investment advisor representative with Procyon, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney, Oliver Lagore Vanvalin Investment Group, and AE Financial Services. Outside of his advisory role, he serves as a registered official for the Michigan High School Athletic Association and is a board member of the St Louis Campground Association of the Church of God. Procyon serves a diverse client base including individuals, families, trusts, businesses, and institutional investors, providing investment management, financial planning, and retirement plan advisory services. The firm’s investment approach focuses on customized, fundamentally driven portfolios using a mix of mutual funds, ETFs, equities, and fixed income, implemented through internal management and third-party relationships.

Scott Brady is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Mainstay Capital Management, LLC. His prior roles include working as an independent insurance agent and positions at Apogee Wealth Management and Capital Asset Advisory Services. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets, primarily serving individuals, retirees, and workplace retirement plan participants. The firm employs a tactical asset allocation strategy and is noted for its focus on workplace savings plan management, including individual 401(k) services for employees and retirees of major employers.

Hari Rao is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Mainstay Capital Management, LLC since 2020. His prior experience includes roles at Edward Jones, Citizens Securities, Inc., Farmers Financial Solutions, and a period of self-employment. Mainstay Capital Management provides comprehensive wealth management and retirement-plan services to individual investors, trust and corporate accounts, and workplace-savings participants. The firm employs a tactical asset-allocation approach and integrates a credentialed planning staff into portfolio management, with a particular focus on workplace savings plan management for banking and thrift institution clients.

Donald Whitton is a CFP® with 15 years of industry experience and has been with Mainstay Capital Management, LLC since 2006. He holds Series 63 and Series 65 licenses and is based in Troy, MI. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets as of mid-2025. The firm primarily serves individuals, retirees, and workplace retirement plan participants, employing a tactical asset allocation approach that incorporates various analytical methods to manage mutual funds, ETFs, and listed securities.

Katrina Savage is a financial advisor with Redhawk Wealth Advisors, Inc. in Flint, MI, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. She has been with Redhawk Wealth Advisors since 2012 and also serves as Vice President of Alliance Financial Group, where she provides life insurance, fixed annuities, and trust funding services. Redhawk Wealth Advisors offers discretionary and non-discretionary wealth management, financial planning, and retirement-plan advisory services to individuals, high-net-worth families, estates, trusts, retirement plans, and charitable organizations. The firm employs strategic and tactical asset allocation, with portfolios monitored by a weekly investment committee, and provides specialized services including multi-generational wealth planning and captive insurance company account management.

Alejandro Lebron is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with Creative Financial Designs, Inc. and has prior experience at Executive Wealth Management and INVEST Financial Corp. He is also the owner of Bridge Wealth Management, LLC. Creative Financial Designs serves individual and institutional clients with a range of investment management and financial planning services, utilizing both model portfolios and adviser-directed strategies. The firm employs an asset-class allocation approach informed by third-party research and offers a variety of investment strategies, including Biblical Responsible Investing.

Michael Wallen II is a CFP® professional at Mainstay Capital Management, LLC with 16 years of industry experience. He has been with Mainstay since 2011. Mainstay Capital Management provides comprehensive wealth management and retirement-plan services to individual investors, trusts, corporate accounts, and workplace-savings participants. The firm employs a tactical asset-allocation approach through discretionary portfolio management and focuses notably on workplace savings plan management, serving employer plan populations with tailored 401(k) services.

Rosemary Robinson is a financial advisor at Creative Financial Designs, Inc. in Flint, MI, with 16 years of industry experience. She holds a Series 66 designation and has worked at Bridge Wealth Management and Gleaner Financial Corp, in addition to her longstanding roles at Creative Financial Designs and CFD Investments. Creative Financial Designs serves individual, high-net-worth, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management and comprehensive financial planning. The firm employs asset-class model allocations informed by third-party research and offers a range of strategies from passive to tactically managed portfolios, including Biblical Responsible Investing options.

Terry Bennett is a financial advisor at Mainstay Capital Management, LLC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Oppenheimer & Co Inc, PRUCO Securities, LLC, and The Prudential Insurance Company of America. Bennett also spent time with Extended Travel and Advia Credit Union in 2020. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets. The firm primarily serves individuals, retirees, and workplace retirement plan participants, offering tactical asset allocation and comprehensive wealth management services, including specialized management of 401(k), 403(b), and 457 plans.

Daniel Stewart is a financial advisor at MissionSquare Retirement with 16 years of industry experience. He holds Series 63 and Series 66 designations. His work history includes roles at ICMA-RC Services, Scottrade, and various insurance carriers. MissionSquare Retirement serves state and local government employers, their employees, and certain non-profit entities by administering deferred compensation and qualified retirement plans. The firm offers plan administration, recordkeeping, education, and advisory services, including discretionary Managed Accounts and nondiscretionary Fund Advice developed by Morningstar Investment Management.

David Kudla is a financial advisor with Mainstay Capital Management, LLC, holding a Series 65 designation and 15 years of industry experience. He has been with Mainstay since 2001 and serves as President and Executive Editor of FIA Publishing, LLC, a not-for-profit organization that publishes specialized 401(k) investor newsletters. Kudla dedicates a portion of his time to these publishing activities. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in assets as of mid-2025. The firm primarily serves individuals, retirees, and workplace retirement plan participants, focusing on tactical asset allocation and offering dedicated management of 401(k), IRA, and other accounts, along with educational workshops for plan participants.

Deborah Joseph is a Series 65-licensed advisor at Redhawk Wealth Advisors, Inc. in Flint, MI, with five years of industry experience. She also serves as an insurance agent at Alliance Financial Group, focusing on life insurance, annuity sales, and Medicare supplement plans. Redhawk Wealth Advisors provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, families, trusts, and charitable organizations. The firm uses strategic and tactical asset allocation across various investment vehicles and incorporates third-party signals in some strategies, maintaining final discretionary authority.

Jesse Vanvalin is a financial advisor with Procyon, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at firms including Sigma Planning Corporation and Oliver Lagore Vanvalin Investment Group, Inc. Vanvalin is also a licensed insurance agent. Procyon serves a diverse client base including individuals, high-net-worth clients, families, trusts, businesses, institutional investors, retirement plans, and registered investment advisors. The firm offers customized, fundamentally driven investment management, financial planning, consulting, and institutional advisory services through a combination of internal management and third-party partnerships.

Jason Best is a CFA® charterholder with 24 years of industry experience. He is currently a financial advisor at Mainstay Capital Management, LLC, where he has worked since 2022. His prior experience includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets. The firm primarily serves individuals, retirees, and workplace retirement plan participants, employing a tactical asset allocation approach that integrates fundamental, technical, cyclical, quantitative, and qualitative analyses.

Curtis Moore is a financial advisor at Mainstay Capital Management, LLC with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisor's LLC. Outside of finance, he has experience working in lawn service and retail. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets. The firm primarily serves individuals, retirees, and workplace retirement plan participants, offering tactical asset allocation and comprehensive wealth management with a focus on workplace savings plan management.

Nicholas Lemp is a financial advisor at Mainstay Capital Management, LLC with one year of industry experience. He has held prior roles at Equitable Advisors, LLC and has worked in non-investment roles such as a delivery driver for Shipt. Nicholas is also involved in a family investment entity, Lemp Investments LLC, which focuses on saving for a future vacation property. Mainstay Capital Management provides comprehensive wealth management and retirement-plan services for individual investors, trusts, corporate accounts, and workplace-savings participants. The firm utilizes a tactical asset-allocation approach and integrates planning and portfolio management to serve a range of clients, including those affiliated with banking institutions and employer 401(k) plans.

William Berlin is a financial advisor at Mainstay Capital Management, LLC with 27 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Mainstay Capital Management since 2021, following seven years at TDAmeritrade Inc. Mainstay Capital Management provides comprehensive wealth management and retirement-plan services for individual investors, trust and corporate accounts, and workplace-savings participants. The firm uses a tactical asset-allocation approach through discretionary portfolio management and emphasizes tailored 401(k) services for employer plan populations.

Anthony Bagneschi is a CFP®-credentialed financial advisor with 16 years of industry experience. He is currently with Mainstay Capital Management, LLC and has previously worked at firms including CG Advisory Services, SPC, and EPI Advisors, LLC. In addition to advisory work, he has an insurance agent role with MDRN Insurance, LLC. Mainstay Capital Management provides comprehensive wealth management and retirement-plan services for individual investors, trust and corporate accounts, and workplace-savings participants. The firm emphasizes workplace savings plan management and delivers investment advice through discretionary portfolio management using a tactical asset-allocation approach.

Scott Laduke is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Mainstay Capital Management, LLC since 2006. He holds Series 63 and Series 65 licenses and is based in Grand Blanc, MI. Outside of his advisory role, he serves as secretary/treasurer of a nonprofit property association and co-owners association for West Wind Resort, where he manages financial duties and reporting. Mainstay Capital Management is an independent, fee-only registered investment adviser managing approximately $4.52 billion in client assets. The firm primarily serves individuals, retirees, and workplace retirement plan participants, employing a tactical asset allocation approach and providing specialized 401(k) portfolio management and comprehensive wealth planning services.

Donald Flenniken is a CFP® professional with 40 years of experience in the financial services industry. He has worked at Clear Creek Financial Management since 2021 and previously held positions at Harvest Investment Services and ProEquities, Inc. In addition to his advisory work, he is an independent insurance agent and serves as chairman of the board and finance committee for Riverdale Baptist Church. Clear Creek Financial Management serves individuals, employer retirement plans, trusts, and business entities with asset management, financial planning, and consulting services. The firm integrates fundamental, technical, and cyclical analysis in portfolio construction and offers a quantitative consulting arm that provides algorithmic research and implementation to other advisers.