Maximilian Baker is a financial advisor at Q3 Asset Management Corporation in Birmingham, MI. He holds a Series 65 designation and has experience working with Q3 since 2024, as well as prior roles at Kestra Investment Services and The Baker Group Financial Services. He also spent six years at Michigan State University and has been involved with the Bayview Yacht Club. Q3 Asset Management Corporation provides portfolio management services to individual and high-net-worth clients, as well as investment company clients. The firm employs a discretionary approach combining strategic allocation with tactical elements and offers various billing arrangements, including subscription and performance-based fees.

Doris Karras is a financial advisor at StraightLine with 16 years of industry experience. She holds Series 63 and Series 65 designations and has been with StraightLine and its predecessor, Straightline Group LLC, since 2005. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, discretionary cash management, and retirement plan education. The firm uses institutional research and proprietary model portfolios to guide investment decisions and offers a structured participant education program alongside managing employer-sponsored and personal accounts.

Jacob Gingell is a financial advisor at Royal Oak Financial Advisors, LLC with three years of industry experience. He holds a Series 66 designation and has previously worked at Cetera and Wealth Strategies Financial Group. In addition to his advisory role, he is also an insurance agent involved in the sales of fixed insurance products. Royal Oak Financial Advisors serves individuals, high-net-worth clients, and pension and profit-sharing plans by offering discretionary portfolio management, financial planning, and retirement-plan monitoring. The firm’s investment approach is based on asset allocation and client risk profiles, utilizing model portfolios that include mutual funds, ETFs, stocks, bonds, and option strategies.

Brian Branch is a financial advisor at Royal Oak Financial Advisors, LLC with 20 years of industry experience. He holds a Series 66 designation and has worked at Royal Oak Financial Advisors since 2018. Prior to that, he was with WFG Investments, Inc. and Capital Asset Advisory Services, LLC. Branch is also an independent insurance agent involved in investment-related insurance sales. Royal Oak Financial Advisors serves individuals, high-net-worth clients, and pension and profit-sharing plans by providing discretionary portfolio management, financial planning, and retirement-plan services. The firm uses asset allocation strategies based on client questionnaires, risk tolerance, and goals, managing portfolios that include mutual funds, ETFs, stocks, bonds, and option strategies.

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.

Makaella Caruth is a CFP® and holds a Series 65 license, currently with ISTO Advisors, LLC. She has two years of industry experience, including prior roles at Plante Moran and Alphastar Capital Management. ISTO Advisors serves individuals, families, trusts, estates, retirement plans, and corporate entities, offering comprehensive wealth management, financial planning, and a two-phase “Prosperity” program that integrates financial planning with ongoing wealth management and multigenerational coaching. The firm operates under a fiduciary standard, tailoring strategies to client objectives and risk tolerances using a broad range of investment options and third-party technology for estate and tax-aware planning.

Christopher Fisher is a CFA® charterholder with over 31 years of industry experience. He is affiliated with ISTO Advisors, LLC since 2016 and is president of Fisher Financial Partners, a firm he has been involved with since 2004. Fisher serves on the board of trustees for the Allendale Association, a school and home for troubled youth. ISTO Advisors works with individuals, families, trusts, estates, retirement plans, and corporate entities, offering wealth management, financial planning, and multigenerational coaching through its “Prosperity” program. The firm operates under a fiduciary standard and utilizes a broad range of investment products alongside third-party technology for comprehensive planning.

Justin Pontz is a financial advisor with City Center Advisors, LLC in Troy, MI, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Hantz Financial Services, Inc. and Southwest Foodservice Excellence, LLC, as well as a lengthy career at WDIV. Pontz is also active as an insurance agent with City Center Financial, LLC. City Center Advisors provides discretionary investment management, limited-scope financial planning, and retirement plan services to individuals, including high-net-worth clients, as well as businesses and qualified retirement plans. The firm follows Modern Portfolio Theory in its investment approach and offers a unified managed account program that incorporates model portfolios and third-party managers.

Stephanie Morawski is a financial advisor with Expressive Wealth LLC in Grosse Pointe, MI, holding a Series 66 designation and three years of industry experience. Prior to joining Expressive Wealth in 2024, she worked at Equitable Advisors and Blue Cross Blue Shield of Michigan. She is also the owner of MID Concierge, LLC, a business 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 uses a variety of investment strategies tailored to client goals and risk tolerances and is known for its multi-office presence and oversight of managed accounts and sub-advisors.

Zachary Rivard is a CFP® professional with seven years of industry experience, currently a team member at StraightLine. He has worked at StraightLine Group, LLC since 2022 and previously held positions at ACT TWO FINANCIAL ADVISORS, DBS Investment Advisers, and PNC Financial Services. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, retirement plan education, and communication services. The firm uses institutional research and proprietary model portfolios, employing strategies such as modern portfolio theory and quantitative analysis to guide investment decisions.

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.

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.

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.

Gaurav Mehra is a Series 65-licensed advisor with StraightLine in Troy, MI, where he has worked since 2008. He has 15 years of industry experience. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, and retirement plan education services. The firm uses institutional research and proprietary model portfolios to guide investment decisions and offers a structured participant education program.

Paul Housey is a CFP® professional with 26 years of experience in the financial services industry. He has been with ISTO Advisors, LLC for 10 years and also leads FlipSide Consulting, LLC and Snook Housey Advisors. Housey founded the community and charitable organization Building Bridges. ISTO Advisors works with individuals, families, trusts, estates, retirement plans, and corporate entities, offering comprehensive wealth management, financial planning, and a multigenerational coaching program. The firm tailors strategies to client goals and risk tolerances and employs a broad range of investment options, including third-party sub-advisers and technology solutions for estate and tax planning.

Nicholas Shaheen is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently affiliated with FSA Advisors, Inc. and has held roles at AE Financial Services, LLC, Fsa Health, Independence Capital Company, Woodward Insurance Group, and Financial Services of America. Outside of his advisory work, he is involved in insurance sales through several business activities, including ownership of his own insurance agency. FSA Advisors provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm uses a combination of fundamental analysis and modern portfolio theory with a long-term trading horizon, implementing diversified allocations across mutual funds, fixed income, ETFs, REITs, and annuities.

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.

David Hardin II is a Series 65-registered advisor with City Center Advisors, LLC, where he has worked since 2018. He has 10 years of industry experience, including prior roles at CoreCap Advisors, Inc. and City Center Financial LLC. Outside of his advisory work, he is a member of Einsteinian AI LLC, a non-investment-related venture. City Center Advisors provides discretionary investment management, limited-scope financial planning, and retirement plan services to individuals—including high-net-worth clients—as well as businesses and qualified retirement plans. The firm uses Modern Portfolio Theory in its investment approach and offers a unified managed account program that includes model portfolios and third-party managers.

Aaron Andreas is a financial advisor at Arbor Wealth Advisors LLC in Troy, MI, holding Series 65 and Series 66 licenses with 15 years of industry experience. He has been with Arbor Wealth Advisors since 2013. Arbor Wealth Advisors serves individual and high-net-worth clients by providing discretionary investment management along with project-based financial planning and consulting. The firm employs a long-term, buy-and-hold investment approach grounded in Modern Portfolio Theory, utilizing broadly diversified, low-cost passive funds and Monte Carlo analysis to guide planning and asset allocation.

Bethany Mosshart is a financial advisor at StraightLine in Troy, MI, holding a Series 65 designation with 15 years of industry experience. She has been with StraightLine since 2003. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, cash management, and retirement education services. The firm uses institutional research and proprietary models to guide investment decisions across mutual funds, ETFs, stocks, and bonds, while offering a structured participant education program and access to sub-advisers for certain clients.