Karl Schwartz is a financial advisor with Kestra Private Wealth Services, LLC, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior positions include roles at Edward Jones, Merrill, Bank of America, Lincoln Financial Distributors, Allianz Global Investors, AQR Investments, and BlackRock Investments. Outside of his advisory work, he owns Jackavery, Inc., a pass-through entity established for tax and legal purposes related to his Kestra compensation. Kestra Private Wealth Services, LLC provides investment advisory services through a network of independent advisors and multi-advisor teams, serving individuals and institutional clients. The firm offers a range of investment products and platforms with both discretionary and non-discretionary arrangements, and manages approximately $13.45 billion in client assets across about 208 advisors.

Dylan Demkowicz is a CFP® with seven years of industry experience, currently serving as a financial advisor at Plante Moran Financial Advisors since 2017. He has a background that includes time at the University of Missouri. Plante Moran Financial Advisors provides investment advisory, financial planning, and estate-planning services to a diverse client base, including individuals, institutions, trusts, and charitable organizations. The firm employs a mix of fundamental, technical, and cyclical analysis alongside proprietary equity valuation models to manage portfolios through both discretionary and non-discretionary arrangements.

Matthew Moretuzzo is a CFP® with two years of industry experience, currently serving as a financial advisor at Plante Moran Financial Advisors. He has been with Plante Moran in various capacities since 2021. His background also includes roles at Saginaw Township Water Department and teaching experience at Heritage High School and Oakland University. Plante Moran Financial Advisors provides investment advisory, financial planning, and estate-planning services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs fundamental, technical, and cyclical analysis alongside a proprietary equity valuation model to manage portfolios through discretionary and non-discretionary arrangements.

Luis Cely is a CFA® charterholder at Advance Capital Management Inc with one year of industry experience. Prior to joining Advance Capital Management, he worked at the City of Detroit for eight years and had brief roles at Seizert Capital Partners and a period of unemployment. Advance Capital Management provides investment advisory and consulting services to individuals, retirement plans, institutions, trusts, foundations, and corporations, focusing on financial planning and portfolio management using mutual funds and ETFs. The firm employs a Recommended List and model portfolios tailored to client needs, incorporating direct indexing, alternative assets, and limited cryptocurrency exposure, with oversight of sub-advisors and discretionary management.

Bradley Lott is a financial advisor at American Independent Securities Group, LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at L.M. Kohn & Company for 11 years. Outside of his advisory role, he is licensed to sell life, variable annuity, and accident/health insurance. American Independent Securities Group provides investment advisory and financial planning services to individual investors, pension plans, charitable organizations, and corporations. The firm uses an open-architecture investment approach and offers both discretionary and non-discretionary account management tailored to client objectives and risk tolerance.

Robin Runco is a financial advisor with IP Financial Advisory Services LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at IP Financial Advisory Services since 2021 and concurrently at The Johnson Financial Group since 2019. Outside of his advisory roles, he is involved with The Johnson Group Financial, a financial services business. IP Financial Advisory Services primarily serves individual retail clients, offering portfolio management, financial planning, and retirement-plan consulting. The firm constructs customized portfolios using various analyses and refers clients to third-party investment advisors while providing a broad range of services beyond traditional investment advisory programs.

Michael Cave is a financial advisor with Secure Asset Management, L.L.C. in Troy, MI, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with Secure Asset Management and its affiliated entities since 2000. Secure Asset Management primarily serves individual clients, including both non‑high-net-worth and high-net-worth households, providing personalized financial planning, discretionary investment management, and pension consulting for retirement plans. The firm employs a variety of investment strategies guided by written Investment Policy Statements and utilizes third-party money managers and platforms to support client accounts.

Steven Fronrath is a CFP® professional with seven years of industry experience. He is currently with Highpoint Planning Partners and has previously been associated with LPL Financial and Kennedy Financial Group. Outside of his advisory work, he holds a minority ownership interest in a rock cover band, If Walls Could Talk, LLC. Highpoint Planning Partners serves a diverse client base including individuals, pension plans, trusts, and charitable organizations. The firm provides discretionary asset management, financial planning, and retirement plan advisory services, implementing portfolios through a combination of fundamental analysis and third-party platforms.

Cullen Prena is a CFP®-certified financial advisor with six years of industry experience, currently with Advance Capital Management, Inc. He previously worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities, LLC. Advance Capital Management serves a diverse client base including individuals, retirement plans, and institutional investors, providing discretionary portfolio management, financial planning, and retirement-plan consulting. The firm’s investment approach involves an Investment Committee that manages approved mutual funds and ETFs, with offerings such as direct indexing, alternative investments, and crypto-related strategies.

Brian Tepper is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Financial Advisory Associates, Lincoln Investment, and The Leaders Group, Inc. He also serves as Vice President at Detroit Financial, where he consults clients on fixed life insurance products. Foundations Investment Advisors LLC provides financial planning and portfolio management services to individual and high-net-worth clients, retirement plans, and registered investment companies through a large network of affiliated offices. The firm employs a combination of fundamental, technical, and cyclical analysis and uses model portfolios along with discretionary or non-discretionary authority assigned to its investment adviser representatives.

Melissa De Rozario is a financial advisor with Capital Analysts in Royal Oak, MI, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has worked with Lincoln Investment LLC since 2017 and has prior experience at Morgan Stanley and Morgan Stanley Private Bank. Outside of advisory services, she owns and operates two e-commerce businesses focused on merchant processing for online sellers. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, and corporate clients. The firm employs an in-house Investment Management & Research team to guide portfolio management and offers a variety of discretionary and non-discretionary investment options, with a notable affiliation with Lincoln Investment and customized advisor services.

John Dreshaj is a CFP® and Series 65 licensed financial advisor with Plante Moran Financial Advisors, where he has worked for 13 years. He has 12 years of industry experience and is based in Clinton Township, Michigan. Plante Moran Financial Advisors offers investment advisory, financial planning, and estate-planning services to a diverse client base, including individuals, institutions, trusts, and charitable organizations. The firm employs a mix of fundamental, technical, and cyclical analysis alongside a proprietary equity valuation model to manage portfolios through discretionary and non-discretionary arrangements.

John Swegles III is a financial advisor at Nfsg Corporation with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors, LLC, Wells Fargo Clearing, and NewBridge Securities Corporation. Outside of his advisory role, he operates an ongoing insurance business, John Swegles Insurance, based in Michigan. Nfsg Corporation provides investment advisory and financial planning services to a wide range of clients, including individuals, pension plans, trusts, and charitable organizations. The firm offers diversified portfolio management and uses both internal research and third-party asset managers to guide investment decisions.

Patrick Kelly is a Series 65-licensed financial advisor with 11 years of industry experience. He is associated with Signal Advisors Wealth, LLC, where he has worked since 2019, and he also co-founded Function Plus, a non-investment business. Additionally, he is involved with Kelly Capital Partners, an insurance-related business. Signal Advisors Wealth provides investment management and financial planning services to retail clients and independent RIAs through its Signal Platform TAMP. The firm employs a top-down, macro-environmental investment process focusing on tactical asset allocation, sector rotation, and a relative growth/value framework, utilizing fundamental, quantitative, and technical analysis across various asset classes.

Brian Kirby is a financial advisor at Plante Moran Financial Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Plante Moran Financial Advisors since 2016. In addition to his advisory role, Kirby serves as a Business Development Manager at Plante Moran PLLC, an affiliated accounting and business consulting firm. Plante Moran Financial Advisors provides investment advisory, financial planning, and estate-planning services to individual and institutional clients, including high-net-worth and non-HNW individuals, as well as trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental, technical, and cyclical analysis along with a proprietary equity valuation model to manage portfolios through discretionary and non-discretionary arrangements.

Zachary Smith is a financial advisor at Savvy with nine years of industry experience. He holds a Series 65 designation and has worked at ThePARTNERS Wealth Management and Trivelloni Asset Management prior to joining Savvy. Outside of financial advising, he serves as Corporate Safety Director at De-Cal, Inc. and is the owner and president of Divine Safety, LLC, a safety consulting firm specializing in OSHA compliance. Savvy provides investment and financial planning services to individuals, trusts, estates, businesses, ERISA plan sponsors, and charitable organizations. The firm builds customized investment plans using a primarily index-based, long-term approach while also offering active equity portfolios and tax-aware direct indexing, integrating third-party fintech tools and specialized sub-adviser strategies.

Robert Dopke is a financial advisor at Highpoint Planning Partners with 34 years of industry experience. He holds the ChFC® and Series 63 designations and has been with Highpoint Advisor Group since 2015, following a long tenure at LPL Financial, LLC beginning in 1996. Highpoint Advisor Group serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm provides discretionary asset management, financial planning and consulting, retirement plan advisory, and acts as sponsor and manager of a wrap-fee program, utilizing fundamental analysis to construct diversified investment portfolios.

Jacob Mitchell is a Series 66-licensed financial advisor with six years of industry experience. He is currently with MissionSquare Retirement and MissionSquare Wealth Management and previously worked at Ally Invest Advisors, LPL Financial, and Focus Financial Group. Outside of his advisory role, he serves as a Retirement Plans Specialist for MissionSquare, a Delaware non-profit focused on assisting state and local governments with retirement plans. 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 Guided Pathways Advisory Services, with investment advice developed by Morningstar Investment Management based on asset-class allocation models and personalized client information.

Wanda Warsinski is a financial advisor at St. Bernard Financial Services, Inc. with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at MML Investors Services and Mass Mutual Life Insurance Company. Outside of her advisory role, she is involved in health-related sales activities. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates by providing investment advisory and brokerage services with a focus on long-term, conservative growth through tactical asset allocation and low-cost funds. The firm operates as both an SEC-registered investment adviser and a broker-dealer, offering a combination of fee-based and commission-based solutions.

Mark Van Faussien is a financial advisor at Azimuth Capital Management with 15 years of industry experience. He holds a Series 65 credential and has been with Azimuth since 2013. Van Faussien serves as a trustee for the Mount Elliott Cemetery Association, where he is involved in governing overall business and capital plans. Azimuth Capital Investment Management LLC provides discretionary and nondiscretionary investment management and financial planning services to individuals, trusts, retirement plans, charitable institutions, banks, and municipal entities. The firm employs a combination of quantitative, fundamental, and technical analysis to construct customized portfolios using individual securities, mutual funds, and ETFs, and it is affiliated with Focus Financial Partners, offering access to private investment vehicles and related financial solutions.