James Williams II is a financial advisor with Spectrum Financial Resources in St. Clair Shores, MI, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He is also the owner of JD Williams Enterprises LLC, an LLC used for payroll and tax purposes. Spectrum Financial Resources provides investment advisory and planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm offers customized portfolio management typically emphasizing mutual funds, ETFs, equities, fixed income, and occasional use of options or margin.

Michael Brocavich is a CFP®-certified financial advisor with 19 years of industry experience. He is currently a Senior Financial Planner and Director of Financial Planning at Center for Financial Planning Inc, where he has worked since 2021. His prior experience includes roles at Raymond James Financial Services, Edward Jones, and McClaren Investment Partners LLC. Brocavich is also a partner at Center for Financial Planning II, LLC. Center for Financial Planning, Inc. provides financial planning and investment management services to individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm manages approximately $1.97 billion in assets, emphasizing strategic asset allocation, diversification, and a documented suitability process with regular portfolio reviews.

Stephanie Morawski is a financial advisor at Expressive Wealth LLC with four years of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors, LLC, Blue Cross Blue Shield of Michigan, and the Michigan State Senate. Outside of finance, she owns MID Concierge, LLC, a firm providing coaching and consulting services to divorce-related professionals. Expressive Wealth serves individuals, high-net-worth clients, trusts, estates, and retirement plans, offering discretionary asset management, ERISA 3(38) plan services, and modular financial planning. The firm combines fundamental, technical, and cyclical analysis in its investment approach and conducts regular portfolio reviews while overseeing third-party Sub-Advisors.

Nicholas Boguth is a financial advisor at Center for Financial Planning Inc in Southfield, MI. He holds the CFP®, CFA®, and Series 63 credentials and has 11 years of industry experience, including his current role at Raymond James Financial Services, Inc. as a portfolio manager. 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, focusing on strategic asset allocation and diversification with both discretionary and non-discretionary mandates.

Timothy Wyman is a CFP®-designated financial advisor with 34 years of industry experience, currently practicing at Center for Financial Planning Inc in Southfield, MI. He has been affiliated with Raymond James Financial Services, Inc. for 27 years. Wyman serves as an attorney licensed in Michigan and holds leadership roles at Center for Financial Planning, including managing partner and CEO. He is also a board member and chair of the Endowment Investment Committee at Albion College. Center for Financial Planning, Inc. is an SEC-registered investment adviser serving individual clients, trusts, estates, and charitable organizations. The firm manages nearly $2 billion in assets, focusing on strategic asset allocation and diversification through a documented suitability process, offering both discretionary and non-discretionary portfolio management.

Heather Williams is a CFA® charterholder with 10 years of industry experience, currently serving at Pointe Capital Management LLC since 2016. She holds Series 63 and Series 65 licenses and is based in Grosse Pointe Farms, MI. Outside of her advisory role, she serves as a trustee for the Burroughs Memorial Trust, which supports various community and charitable organizations. Pointe Capital Management serves individuals, retirement plans, trusts, and select institutional accounts with a focus on discretionary and non-discretionary investment management and ERISA fiduciary retirement-plan advising. The firm emphasizes a long-term, fundamentally driven Large Cap Value equity strategy combined with diversified asset allocation and uses leverage and derivatives in separately managed accounts.

Norman Pappas is a ChFC® credentialed advisor with 54 years of industry experience, currently serving at The Enterprise Investment Company since 2003. His career also includes long-term roles at The Enterprise Securities Company and NAPCO, INC. He serves as a board member of the Jewish Federation of Metropolitan Detroit. The Enterprise Investment Company serves high-net-worth individuals, trusts, estates, corporations, and employee benefit and pension plans, offering discretionary and non-discretionary portfolio management, financial planning, and pension consulting. The firm primarily refers clients to unaffiliated sub-advisers and employs dynamic portfolio strategies tailored to clients’ individual profiles.

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.

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.

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.

Robert Bolden Jr. is an advisor at CIG Asset Management, Inc. with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Arnold & Mote Wealth Management and PFS Investments. He is also the sole owner and advisor at Bolden Wealth Management, a Registered Investment Advisor. CIG Asset Management provides wealth management, comprehensive financial planning, and discretionary portfolio management services to individuals, trusts, estates, charitable organizations, corporations, and employee benefit plans. The firm employs a strategic asset allocation approach with both strategic and tactical models, offering diversified exposure across multiple asset classes and managing approximately $192 million in assets under management.

Steven Shepich is a CFA® charterholder with 13 years of industry experience. He has been with Laffer Tengler Investments, Inc. since 2011. Laffer Tengler Investments provides discretionary and non-discretionary portfolio management, model delivery to other advisers, and wrap-fee program management for individual, high-net-worth, institutional, and specialty clients. The firm combines quantitative modeling and macroeconomic forecasting with fundamental security analysis to manage a range of investment strategies across multiple asset classes.

Kenneth Chaput is a financial advisor at CIG Asset Management, Inc. with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has been with CIG Asset Management since 2013, serving also as the firm’s Chief Compliance Officer. Additionally, he is a 50% owner and vice-president of Northstar Financial Enterprises, a holding company related to a formerly registered broker-dealer and insurance agency. CIG Asset Management provides wealth management, financial planning, and discretionary portfolio management services to individuals, trusts, estates, charitable organizations, corporations, and employee benefit plans. The firm employs a strategic and dynamic asset allocation approach, incorporates ESG-screened models, and offers diversified investments across multiple asset classes, along with sub-advisory services and management of private pooled investment vehicles.

Jessica Smith is a financial advisor with ELE Advisory Services, Inc. She holds a Series 66 designation and has 11 years of industry experience. Her prior work includes roles at Ameriprise Financial Services, Inc., First Advisors National, and Inlight Wealth. Outside of advising, she is involved with JLS Vision Services. ELE Advisory Services, Inc. provides portfolio management, financial planning, and retirement-planning seminars to individuals, business owners, and charitable organizations. The firm emphasizes fundamental analysis and customized Investment Policy Statements to guide asset allocation and portfolio management, primarily operating with non-discretionary client accounts.

Joshua Bitel is a financial advisor with Center for Financial Planning Inc in Southfield, MI. He holds the CFP® designation and has seven years of industry experience. His career includes roles at Raymond James Financial Services Inc and CIG Capital Advisors. He also serves as an agent for Metropolitan Tower Life Insurance, assisting with a disability policy transition. Center for Financial Planning Inc is an SEC-registered adviser managing approximately $1.97 billion in assets, serving individuals, trusts, estates, and charitable organizations. The firm focuses on strategic asset allocation and diversification through documented suitability processes and periodic reviews.

Elizabeth Foley is a CFP® professional with 37 years of industry experience. She has worked at Hilltop Wealth & Tax Solutions since 2018 and previously spent 29 years at Ameriprise Financial Services, Inc. She serves as President of the Board of Directors for Hilltop Kids, an organization that provides education, goods, and services to underprivileged children and families in the community. Hilltop Wealth & Tax Solutions serves individual and institutional clients, including high-net-worth individuals, trusts, and tax-exempt entities. The firm offers discretionary portfolio management, comprehensive financial and tax planning, and integrates tax and estate considerations into investment recommendations.

Don Gill III is a financial advisor with Skyoak Wealth in Southfield, MI, holding a Series 66 designation and 10 years of industry experience. He has worked at Skyoak Wealth since 2019, following prior roles at BKS Advisors and Morgan Stanley. Skyoak Wealth is a team-based registered investment adviser serving individuals, families, corporate retirement plans, and other institutions. The firm employs a discretionary, customized investment approach combining fundamental, technical, and trend analysis within a core–satellite framework, integrating proprietary active models with outside separately managed accounts and offering a mix of family office, private wealth management, and corporate retirement plan advisory services.

Osman Minkara is a managing principal and investment advisor representative at CIG Asset Management, Inc. with 32 years of industry experience. He is also the managing principal of CIG Capital Advisors and the managing member and majority owner of CIG Venture Management, LLC, which manages various special purpose vehicles and a private equity fund. CIG Asset Management provides wealth management, financial planning, and discretionary portfolio management services to individuals, trusts, estates, charitable organizations, corporations, and employee benefit plans. The firm employs an asset allocation framework that integrates strategic and dynamic models across multiple asset classes and offers socially responsible investment options.

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.

David Mc Cormack is a financial advisor at Pointe Capital Management LLC with eight years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at JPMorgan Chase Bank NA, JPMorgan Securities LLC, Goldman Sachs, Jefferies LLC, and FBR Capital Markets & Co. Pointe Capital Management serves individuals, retirement plans, trusts, and select institutional accounts with discretionary and non-discretionary investment management and ERISA fiduciary retirement-plan advising. The firm employs a long-term, fundamentally driven equity selection process focused on a Large Cap Value strategy, combined with diversified asset-allocation strategies and the use of derivatives and leverage in separately managed accounts.