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.

Anthony Sellors is a financial advisor at Carrera Capital Advisors with Series 63 and Series 65 licenses and five years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC for three years and Humana for six years. Carrera Capital Advisors serves individual clients across the wealth spectrum, retirement plans, trusts, foundations, and institutional entities, providing discretionary portfolio management, financial planning, and consulting. The firm employs a multifaceted investment approach combining quantitative tools, fundamental analysis, technical patterns, and machine-learning techniques to create diversified, tax-aware portfolios.

Kevin Stempin is a financial advisor with UHY Wealth Management RIA LLC in Sterling Heights, MI. He holds the Series 66, Series 63, and Series 65 licenses and has 27 years of industry experience. Since 2008, he has been associated with John Hancock Distributors LLC and John Hancock. 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 aligned with clients’ objectives and offers tailored investment policies, with a notable focus on pension consulting and plan sponsor services.

Stephen Dzialo is a Series 65 credentialed advisor at Managed Asset Portfolios, LLC with three years of industry experience. He has been with the firm since 2022. Managed Asset Portfolios, LLC provides discretionary and non-discretionary investment advisory services to individual and institutional clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations. The firm employs a bottom-up, fundamental value research approach and is notable for its role as a sub-adviser to affiliated mutual funds and its use of varied fee arrangements.

Christopher Fisher is a CFA® charterholder with 32 years of industry experience. He is affiliated with ISTO Advisors, LLC as well as Fisher Financial Partners, where he has served since 2004. Fisher serves on the board of trustees for Allendale Association, a school and home for troubled youth. ISTO Advisors works with individuals, families— including high-net-worth clients—trusts, estates, retirement plans, and corporate entities. The firm offers comprehensive wealth management and financial planning services, using a broad range of investment options and third-party technology, and also provides multigenerational coaching through its “Prosperity” program.

Brandon Ramirez is a financial advisor at Strategic Wealth Advisors Group, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at MML Investors Services, LLC and MassMutual Life Insurance Co. In addition to his advisory role, he is also licensed as an insurance agent, selling various insurance products. Strategic Wealth Advisors Group serves individual clients, including high-net-worth households, through financial planning, consulting, and discretionary investment management, often utilizing independent sub-advisors. The firm also provides ERISA plan services and conducts public educational seminars on investment topics.

Zachary Bachner is a Certified Financial Planner (CFP®) with seven years of experience, currently serving at Summit Financial Working with People You Trust in Sterling Heights, MI. His career includes roles at Summit Financial Consulting LLC, Gradient Securities, LLC, and Summit Insurance Services, LLC. He is also involved in health and property & casualty insurance sales and tax services as part of his professional activities. Summit Financial serves individuals, high-net-worth clients, trusts, businesses, and qualified retirement plans, offering discretionary portfolio management, financial planning, and ERISA plan advisory services. The firm uses model portfolios built mainly from no-load mutual funds and ETFs, emphasizing principal preservation and tailoring strategies to client risk profiles through a structured, consultative approach.

Judy Goldis is a financial advisor at VIMA, LLC with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including AE Financial Services, Oliver Lagore Vanvalin Investment Group, SPC, and Sigma Financial Corporation. She also owns Goldis Financial Services, an insurance sales business. VIMA, LLC is a mid-sized advisory firm serving individual and high-net-worth clients with customized portfolio management, financial planning, and 401(k) consulting. The firm utilizes a top-down, sector-level screening process and offers discretionary trading authority, option strategies, and fixed-fee engagement options.

James Baldwin is a financial advisor at Summit Financial Working with People You Trust in Sterling Heights, MI, holding Series 65 and Series 63 credentials with five years of industry experience. His prior work includes positions at Gradient Securities, LLC and Fiat-Chrysler Automotive. Baldwin is also co-trustee of The Tammie Daniels Revocable Living Trust. Summit Financial provides advisory services to individuals, high-net-worth clients, trusts, businesses, and retirement plans, offering discretionary portfolio management, financial planning, and ERISA plan advisory services. The firm utilizes model portfolios primarily comprised of no-load mutual funds and ETFs, applying various analytical methods and tailored strategies aligned with client risk profiles.

John Sauger is an investment advisor representative with FSA Advisors, Inc. in Troy, Michigan, holding Series 63 and Series 65 licenses and with 17 years of industry experience. His career includes roles at AE Financial Services, HUB International Midwest, and Independence Capital Co. He also serves as president and secretary of Sauger Holdings, an sCorp managing financial business income for tax purposes. FSA Advisors, part of Financial Services of America Advisors, provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and businesses. The firm combines fundamental analysis with modern portfolio theory and a long-term investment horizon, typically implementing allocations through mutual funds, fixed income, ETFs, REITs, and annuities.

Kourtnee Jury is a financial advisor at FSA Advisors, Inc. in Troy, MI, holding a Series 65 designation with one year of industry experience. Prior to joining FSA Advisors and Financial Services of America in 2025, she worked at Financial Plus Credit Union for seven years and has experience in the hospitality industry. FSA Advisors provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and businesses, employing an investment approach that combines fundamental analysis with modern portfolio theory and a long-term trading horizon. The firm manages approximately $395 million in assets and uses a variety of investment products while documenting client-specific investment policies and risk tolerances.

Christian Karges is a financial advisor at FSA Advisors, Inc. in Troy, MI, holding a Series 66 designation with one year of industry experience. Prior to his financial services roles, he worked at Green Lantern Pizza for several years, including as a delivery driver. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses, employing an investment approach based on fundamental analysis and modern portfolio theory with tailored asset allocations and discretionary management.

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.

Justin Reinhold is a financial advisor with CPR Investments Inc. in Rochester, MI, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been with CPR Financial Group LLC, CPR Investments Inc., and Ausdal Financial Partners, Inc. since 2015. Outside of his advisory work, he owns Reinhold Custom Homes, LLC, where he designs and builds a residential home annually. CPR Investments Inc. provides discretionary portfolio management, financial planning, and ERISA plan services to individuals, businesses, and retirement plans. The firm combines in-house tactical models with third-party advisors to pursue tactical and absolute-return strategies, emphasizing defensive positioning and ongoing portfolio monitoring.

Anthony Reckling is a financial advisor with FSA Advisors, Inc. in Troy, MI, holding Series 66 and Series 65 licenses and has 10 years of industry experience. His previous roles include positions at Ameriprise Financial, JP Morgan Securities, and Infinex Investments. He is also involved with Financial Services of America, where he sells life insurance and fixed index annuities. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm uses fundamental analysis combined with modern portfolio theory to create tailored, long-term investment strategies that often include mutual funds, fixed income, REITs, annuities, and ETFs.

Mark Tabock is a financial advisor at Stoney Creek Advisors LLC with 12 years of industry experience and holds the PFS™ designation. He has been associated with Tabock Business TR TBT Corp Mgmt Assoc Co since 1988, where he serves as an account executive and accounting manager, including providing tax services and business-related advice as a certified public accountant. He is a shareholder in Tabock Company, a Michigan for-profit corporation. Stoney Creek Advisors, LLC provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and business entities. The firm uses a documented Investment Policy Statement, a variety of analytical methods, and quarterly reviews to manage client accounts, and offers a broad investment menu alongside retirement-plan advisory services and client education initiatives.

Richard Trombley is a financial advisor with FSA Advisors, Inc. in Troy, Michigan, holding a Series 66 credential and bringing nine years of industry experience. His work history includes roles at AE Financial Services, HUB International Midwest, Independence Capital Co Inc, and Financial Service of America. He is also active as an insurance agent with Financial Services of America and FSA Health. 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, annuities, and selected third-party managers.

Kylie Thiessen is a financial advisor at FSA Advisors, Inc. in Troy, MI, holding a Series 65 designation with three years of industry experience. Her prior work includes roles at Financial Services of America, Palazzo Di Bocce, Goldfish Swim School, and Wyndgate Country Club. She also serves as a client service representative for insurance agencies without receiving commissions. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm employs a long-term investment approach based on fundamental analysis and modern portfolio theory, offering tailored asset allocations and discretionary portfolio management.

Zachary Rivard is a CFP® professional with seven years of industry experience. He is currently with StraightLine and has previously worked 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, and retirement plan education. The firm employs institutional research and proprietary model portfolios, using mutual funds, ETFs, stocks, and bonds, and emphasizes client education through in-person meetings and webinars.

Daniel Richmond is a financial advisor at Carrera Capital Advisors with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Northwestern Mutual, MassMutual, and American United Life. Outside of his advisory role, Richmond is an Employee Benefits Partner at Worklife Benefit Consultants, where he connects business owners to employee benefits solutions. Carrera Capital Advisors serves individual clients, retirement plans, trusts, foundations, and institutional entities. The firm employs a multifaceted investment process combining quantitative tools, fundamental and technical analysis, and machine learning to construct diversified, tax-aware portfolios across various product groups.