Christopher Cousins is a ChFC® credentialed financial advisor with 33 years of industry experience. He is affiliated with FAI Advisors, Inc. and has held roles at The O.N. Equity Sales Company, Ohio National Financial Service, and Capital Planning Solutions, LLC. Cousins serves on the boards of Westside Christian Academy and the Face Foundation, and is involved with the Cousins Foundation as an authorized party. He is also the managing member of Empowering Futures, LLC and B Trace Partners/Q5, both non-investment related businesses focused on coaching and business succession planning. FAI Advisors, Inc. provides discretionary investment management and consulting services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs a team of five advisors and manages approximately $301 million, offering tailored portfolio management and consulting with an emphasis on long-term investment strategies and the use of sub-advisers.

Adam Legg is a CFP®, ChFC®, and holds a Series 63 license, with nine years of industry experience. He has worked at ISTO Advisors, LLC since 2022, following prior roles at Stonebridge Financial Partners, LLC, and Northwestern Mutual. Before his financial advisory career, he was employed at Boulder Pointe Golf Club for six years. ISTO Advisors serves individuals, families, trusts, estates, employer retirement plans, and corporate entities, offering comprehensive wealth management, financial planning, retirement plan consulting, and a multigenerational “Prosperity” program. The firm operates under a fiduciary standard, uses a range of investment vehicles, and offers additional services such as executive coaching and leadership training through an affiliated business.

Timothy Hanna is a CFA® charterholder with one year of experience in the financial industry. He currently serves as an advisor at Planning Alternatives Ltd and previously worked at Flexible Plan Investments for 11 years. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management to a diverse client base, including high-net-worth individuals, qualified retirement plans, trusts, and charitable institutions. The firm employs a risk-based investment approach grounded in Modern Portfolio Theory and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.

Michael Rice is a financial advisor with StraightLine in Troy, MI, holding a Series 65 designation and 11 years of industry experience. He has been with StraightLine since 2013. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, cash management, and retirement plan education and communication services. The firm employs institutional research and proprietary model portfolios to guide investment decisions and offers a structured participant education program.

Dennis Raffin is a financial advisor at StraightLine based in Troy, MI, holding a Series 65 credential with three years of industry experience. He has worked at StraightLine and its predecessor entities since 2008. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by offering investment management, financial planning, discretionary cash management, and retirement plan education services. The firm employs institutional research and proprietary model portfolios to guide investment decisions and provides a structured participant education program through group meetings, one-on-one sessions, and webinars.

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.

Tareq Jallaf is a financial advisor at Hilltop Wealth & Tax Solutions with Series 65 credentials and two years of industry experience. His prior roles include positions at Unique Wealth Strategies and experience in academic settings at Northern Illinois University and the University of Vermont. Hilltop Wealth & Tax Solutions serves a diverse client base, including high-net-worth individuals, trusts, corporations, and tax-exempt entities, offering discretionary portfolio management, financial planning, and integrated tax and estate planning. The firm customizes investment decisions based on client objectives and risk tolerance, combining advisory services with in-house tax and bookkeeping capabilities.

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.

Brandon Taylor is a financial advisor at Taylor & Morgan Asset Management, LLC d/b/a TM Advisors, L, holding a Series 65 designation. He has prior experience at PricewaterhouseCoopers and currently works as a consultant at Taylor Capital, LLC. Brandon is based in Charlotte, NC and has been in the industry since 2025. Taylor & Morgan Asset Management provides investment supervisory services and financial planning primarily to individual clients and pension/profit-sharing plans. The firm manages approximately $327 million across about 418 client accounts and offers a mergers and acquisitions advisory practice alongside portfolio management.

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.

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® with 11 years of industry experience, currently serving as an investment advisor representative 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 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 a mix of active and passive investment strategies focused on value, safety, and loss avoidance.

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.