Gary Lloyd is a financial advisor with CPR Investments Inc. in Rochester, MI, holding a Series 65 credential and 15 years of industry experience. He has worked with CPR Investments since 2016 and has prior experience at Quantum Capital Group LLC and Adaptive Equities. Outside of advisory work, he operates Gary Lloyd II, LLC, a real estate investment education company, and is involved in real estate purchase and resale through multiple business entities. CPR Investments Inc. primarily serves individual investors, businesses, and qualified retirement plans, offering discretionary portfolio management and comprehensive financial planning. The firm employs a multi-manager approach focusing on tactical and absolute-return strategies to manage downside risk.

Joshua Vandergraaff is a financial advisor at UHY Wealth Management RIA LLC with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms, including Vertrix Wealth Management, Greystone Financial Group, and Prudential Insurance Company of America. UHY Wealth Management RIA LLC provides wealth management and pension consulting services to individuals, employee benefit plans, trusts, estates, and institutional clients. The firm employs both fundamental and technical analysis to manage portfolios tailored to clients’ investment objectives and oversees a significant mix of discretionary and non-discretionary assets.

Andrew Jabro is a financial advisor with Dahring | Cusmano and Associates, holding Series 63 and Series 65 credentials, and has seven years of industry experience. Prior to joining Dahring | Cusmano in 2024, he worked at Flexible Plan Investments Ltd and Citizens Bank among other positions. Dahring | Cusmano offers holistic financial planning and investment management services to individuals, including high-net-worth clients, as well as family offices, trusts, private foundations, and qualified retirement plans. The firm’s client-centered investment approach emphasizes asset allocation and low-cost investments, managing portfolios primarily for the long term while also providing fiduciary and operational services to retirement-plan clients.

Morgan Cinader is a financial advisor with Verde Capital Management, Inc., holding a Series 65 designation and one year of industry experience. Prior to joining Verde Capital Management, Morgan worked at Michigan State University College of Human Medicine and Hope College. Outside of finance, Morgan teaches barre fitness classes at Pure Barre Clarkston. Verde Capital Management serves individuals, trusts and estates, pension and profit-sharing plans, and businesses, offering investment management, fiduciary services for qualified retirement plans, and financial planning. The firm’s investment approach integrates fundamental and technical analysis with diversified asset allocation and uses both discretionary and non-discretionary management strategies.

Avery Hasenauer is a CFP® and Series 66 licensed financial advisor with 10 years of industry experience. He has worked at Integrated Investment Consultants, LLC since 2022 and previously held roles at Rehmann Capital Advisory Group, Rehmann Financial Network, LLC, and other firms. Integrated Investment Consultants, LLC manages over $1 billion for individual, high-net-worth, and institutional clients, offering investment management and consulting across a variety of asset classes. The firm’s investment approach integrates fundamental analysis with asset allocation based on Modern Portfolio Theory and tailors portfolios to client-specific factors such as risk tolerance and liquidity needs.

Noel Villajuan is a CFP® with 21 years of industry experience, currently serving as an advisor at Diversified Portfolios, Inc. He has previously worked at Ford Estates, Sequoia Financial Advisors, LLC, Sequoia Financial Group, LLC, Ljpr Financial Advisors, and Fidelity Brokerage Services LLC. Diversified Portfolios, Inc. provides discretionary investment management and wealth-management services to individuals, qualified retirement plans, charitable organizations, corporations, and trusts. The firm manages approximately $1.66 billion for about 606 clients and emphasizes long-term asset allocation, broad diversification, and cost-conscious use of low-cost passive and enhanced index funds.

Christopher Mac Kenzie is a CFP® with 10 years of industry experience. He is currently with Integrated Investment Consultants, LLC and previously worked at Gregory J. Schwartz & Co., Inc. and Telemus Capital, LLC. Integrated Investment Consultants, LLC manages approximately $1.08 billion for individual, high-net-worth, and institutional clients. The firm offers discretionary and non-discretionary investment management, wealth management, and consulting services, employing a process that combines fundamental analysis with asset allocation based on Modern Portfolio Theory.

Robert Mulcahy is a financial advisor at Royal Oak Financial Advisors, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Regulus Advisors, Wfg Investments, Inc., and Liberty Tax. Mulcahy also has experience as an insurance agent. Royal Oak Financial Advisors serves individuals, high-net-worth clients, and retirement plans, providing discretionary portfolio management and financial planning with an investment approach based on asset allocation and model portfolios tailored to client goals and risk tolerance.

Carl Szasz is a financial advisor at Verde Capital Management, Inc. with 17 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Verde Capital Management since 2008. Outside of his advisory role, Mr. Szasz owns and manages Verde Real Estate and is a partner in Narrin Farms, LLC, a lakefront horse farm. He also serves as President of the Starbluff Homeowner's Association and manages Millpond Bed and Breakfast, an Airbnb rental property. Verde Capital Management serves individuals, trusts and estates, pension and profit-sharing plans, and businesses by providing investment management, fiduciary services, and financial planning. The firm employs a blend of fundamental and technical analysis, offers diversified fund menus, and uses synthetic instruments as part of its investment approach.

Angela Palacios is a CERTIFIED FINANCIAL PLANNER™ professional with 22 years of industry experience. She has worked at Raymond James Financial Services since 2008 and was with the Center for Financial Planning from 2012 to 2019. Palacios serves as a board member and secretary of the Ice House Skating Academy, a nonprofit organization. She is part of the Center for Financial Planning, Inc., an SEC-registered investment adviser that provides financial planning and investment management to individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm manages approximately $1.97 billion in assets and emphasizes strategic asset allocation and diversification through a documented suitability process and regular portfolio reviews.

Kipatrick Mrkva is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Gainplan LLC since 2020 and previously spent 16 years at LPL Financial, LLC. In addition to his advisory role, he is involved in outside sales of non-variable insurance. Gainplan LLC is a team-based firm serving individuals, trusts, pension, and corporate clients with investment advisory and financial planning services. The firm uses a factor-based, top-down investment approach that incorporates tactical and strategic asset allocation and manages portfolios through ETFs, mutual funds, individual securities, and derivatives.

Michael Wallace is an investment adviser representative at FSA Advisors, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including AE Financial Services, HUB International Midwest, and Independence Capital Company. Wallace is also president of Wallace Holdings, a pass-through S corporation. FSA Advisors provides discretionary portfolio management and financial planning to individuals, high-net-worth, and business clients. The firm uses a combination of fundamental analysis and modern portfolio theory to guide investment decisions and typically employs mutual funds, fixed income, ETFs, REITs, and annuities in client portfolios.

Sandra Adams is a CFP® professional with 23 years of industry experience, currently with Center for Financial Planning Inc in Southfield, MI. She has worked at Raymond James Financial Services, Inc. since 1996 and has been involved with the Society for Active Retirees since 2017. Additionally, she served at Schoolcraft College from 2017 to 2021. Center for Financial Planning, Inc. is an SEC-registered investment adviser serving individual clients, trusts, estates, and charitable organizations. The firm manages approximately $1.97 billion in assets and emphasizes strategic asset allocation and diversification with ongoing planning and tailored portfolio reviews.

Ryan Paye is a financial advisor at FSA Advisors, Inc. in Troy, Michigan, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Merrill Lynch/Bank of America and Bridgewise Financial Partners. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses, utilizing fundamental analysis and modern portfolio theory with a long-term investment focus. The firm offers discretionary portfolio management, prepares Investment Policy Statements, and delivers financial plans on fixed-fee or hourly bases, often incorporating third-party managers and specific custodial arrangements.

Diane Young is a financial advisor at Arrowroot Family Office, LLC with 34 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Financial Gravity Wealth, Inc., Athena Advisory Services Inc., and OSAIC. Young serves as a board member for the Girl Scouts of Southeast Michigan and is president of the Women’s Democratic Club of Greater Rochester. She is also the author of the book "Owning Your Financial Success" and engages in public speaking on the topic. Arrowroot Family Office provides wealth management and financial planning services to individuals, families, pension plans, trusts, and other entities. The firm focuses on asset allocation and uses quantitative analytics to build portfolios primarily consisting of ETFs and mutual funds, while also offering multi-family office services and managing private funds.

Eric Tomaszewski is a Series 66-licensed financial advisor with 14 years of industry experience, currently serving at Verde Capital Management, Inc. since 2013. He contributes to the Index Cooperative, a decentralized community focused on developing and promoting crypto structured tokens, assisting their institutional business team and broader community. Verde Capital Management serves individuals, trusts and estates, pension and profit-sharing plans, and businesses, offering investment management, fiduciary services for qualified retirement plans, and financial planning. The firm employs a combination of fundamental and technical analysis with diversified fund menus and may use derivatives and synthetic strategies to manage portfolio exposure and efficiency.

Harold Mohn Jr. is a Series 65-licensed advisor with nine years of industry experience, currently working at UHY Wealth Management RIA LLC since 2026. He has also worked with UHY Advisers Mid-Atlantic and Prosperity – An EisnerAmper Company. UHY Wealth Management RIA LLC serves individuals, employee benefit plans, trusts, estates, and institutional clients with both discretionary and non-discretionary portfolio management. The firm utilizes a combination of fundamental and technical analysis to tailor investment policies to client objectives and emphasizes pension consulting for plan sponsors.

Colleen Nemes is a financial advisor at The Nemes Rush Group, LLC with a Series 65 credential and three years of industry experience. Her work history includes roles at The Nemes Rush Group since 2022 and prior experience with The Auto Club Group. The Nemes Rush Group, LLC provides portfolio management, financial planning, retirement plan consulting, and business consulting services to individuals, corporations, charities, and pension plans. The firm uses a combination of fundamental and technical analysis, offers both discretionary and non-discretionary management, and conducts regular portfolio reviews and client meetings.

Norman Leon is a financial advisor at Vertrix Wealth Management, LLC with 16 years of industry experience. He holds a Series 65 designation and has previously worked at Greystone Financial Group, LLC and Retirement Funding Advisors Inc. Norman joined Vertrix Wealth Management in 2026 as part of a six-advisor team based in Troy, MI. Vertrix Wealth Management serves individuals, trusts, estates, small businesses, and employer-sponsored retirement plans, providing comprehensive portfolio management and retirement plan consulting. The firm employs a tactical, risk-management oriented investment approach that combines fundamental and technical analysis with dynamic asset-allocation adjustments.

Adam Rivett is a financial advisor with Integrated Investment Consultants, LLC in Bloomfield Hills, MI. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior work includes roles at Resources Investment Advisors and Gwfs Equities, Inc. In addition to his advisory work, Rivett operates an Etsy business selling handcrafted woodworking projects such as tables and wall art. Integrated Investment Consultants manages approximately $1.08 billion for individual, high-net-worth, and institutional clients. The firm employs a fundamental analysis and asset-allocation approach guided by Modern Portfolio Theory, tailoring portfolios to client-specific risk, time horizon, and liquidity requirements.