You make good money. You have a plan somewhere. What you are not sure about is whether anyone is actually watching the whole thing. Right now, you probably have an advisor for investments, a CPA for taxes, and maybe an attorney for estate documents. None of them talk to each other. You are the one in the middle, repeating your situation to three people who each see one slice of it. I build the financial plan, and I prepare and file your tax return myself. Same person, same conversation. The tax decision and the planning decision get made together, by someone who can see how one moves the other. Most advisors hand you off to a CPA who has never seen your plan. I do not hand you off. I work with dual-income parents, director level and up, two demanding careers, kids at home, and a financial life that has gotten more complicated than you have time for. Equity comp you have not fully sorted out. College creeping up. Estate documents written before your last job change. All of it in motion at once, and no one holding it together. What I give you back is time. One relationship instead of many. One person who knows the whole story, so you stop being the project manager of your own financial life. None of these pieces is that hard on its own. The coordination is what you do not have the hours for. That is the part I take off your plate. I am raising four kids of my own, including a set of triplets, so I plan from inside this life stage, not from a brochure. I know what it costs, in money and in attention, to do this well. If you are tired of being the one who holds it all together, reach out. I will tell you honestly whether I am the right fit.

I work with individuals, families, and small business owners who want clarity and confidence around their financial decisions, not just investment performance. I focus on understanding what matters most to each client and building practical strategies around investing, planning, and risk management that adapts as life changes, supported by a team at Oppenheimer with expertise across financial planning, investment strategy, and ongoing guidance. I believe that achieving financial goals is built through organization, clear communication, and long-term relationships grounded in trust. My goal is to be a reliable resource clients can count on, backed by the depth of capabilities of Oppenheimer. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, utilizing strategic and tactical asset allocation along with multiple investment strategies tailored to client objectives.

Sean R. Sparkman, AIF®, is the founder of Pathfinders Wealth and an investment adviser representative with Foundations Investment Advisors, LLC. Based in Commerce Township, Michigan, he works with families, retirees, and business owners nationwide by phone and video and throughout Southeast Michigan in person by appointment. His work focuses on retirement income planning, investment management, Social Security, Roth conversions and other tax-aware planning decisions, life insurance, annuities, survivor planning, and long-term family and legacy goals. Sean's approach is simple: every dollar should have a job. Depending on the client, that job may be growth, income, liquidity, tax efficiency, protection, or legacy. The job comes first; the product comes after. Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC-registered investment adviser. Insurance products are offered separately through appropriately licensed insurance professionals. Estate-planning matters may be coordinated with a client's independent attorney; Sean does not provide legal services.

Louis Bader is a CFP®-credentialed financial advisor with 18 years of industry experience, currently serving at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Amanda Nowinski is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has held roles at Christian Financial Credit Union and CUSO Financial Services, LP over the past decade. Outside of her advisory work, she serves as a notary and performs financial institution duties at Christian Financial Credit Union. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households. The firm offers a variety of investment delivery options supported by an in-house research team and a large network of investment adviser representatives.

Eldin Foco is a financial advisor at Sterling Advisory Group LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including CIG Capital Advisors and Cco Investment Services Corp. since 2012. Sterling Advisory Group provides portfolio management, financial planning, and retirement-plan consulting to individuals, families, trusts, foundations, businesses, and employer-sponsored plans. The firm manages client accounts on a tailored basis and also serves institutional clients, offering a range of strategic investment models that emphasize asset allocation, diversification, and Shariah-compliant selection.

Daniel Shub is a financial advisor at Octo Capital, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been managing Octo Capital since 2015. In addition to his advisory role, he is the managing member of Shub & Company LLC, a life and health insurance agency, and Gold Star Insurance Group LLC, a property and casualty insurance agency. Octo Capital provides investment advisory, portfolio management, financial planning, and consulting services to individuals, families, retirement plans, trusts, foundations, and charitable organizations. The firm’s investment approach is long-term and based on Modern Portfolio Theory, utilizing diversified allocations primarily through mutual funds and ETFs, with discretionary portfolio management and regular monitoring.

Frank Crosby is a Series 65-licensed financial advisor with Jamerson-Crosby Investment Advisors LLC in Detroit, MI, bringing 12 years of industry experience. He concurrently works as a full-time research scientist at the U.S. Department of Defense's Naval Surface Warfare Center in Panama City, Florida. Jamerson-Crosby Investment Advisors LLC offers investment advisory and portfolio management services to individuals, trusts, estates, charitable organizations, foundations, and endowments. The firm employs a quantitative and economic analysis-driven investment process, combining long-term asset allocation with ongoing monitoring and rebalancing, and provides free services to nonprofit charitable organizations.

David Underhill is the sole advisor at Underhill Investments, LLC, an independent firm based in Berkley, MI. He holds a Series 66 designation and has 14 years of experience in investment advisory services. In addition to his financial advisory work, Mr. Underhill is a licensed attorney providing estate planning services and a licensed insurance agent offering fixed annuities, life, and long-term care insurance. Underhill Investments provides discretionary portfolio management and co-advisory services primarily to individual and high-net-worth clients. The firm employs a blend of fundamental, technical, and cyclical analysis, incorporating long- and short-term positions and option strategies tailored to each client’s Investment Policy Statement.

Imodu Kerobo is a Series 65-licensed advisor at Noya Investment Advisors LLC with one year of industry experience. His career includes roles at Sterling Partners and entrepreneurial ventures such as DVI Training LLC and Premium Business Research LLC. Noya Investment Advisors LLC serves individuals, high-net-worth clients, trusts, estates, business entities, and employer-sponsored retirement plans, offering portfolio management, retirement-plan advisory, financial planning, and business consulting. The firm employs a fundamental analysis and modern portfolio theory approach through custom model portfolios and provides institutional pension consulting and discretionary management services for employer plans.

Craig Adams is a financial advisor with Confidential Management Advisors, Inc. in Troy, MI, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked with several related firms since 1991 and spent 25 years at Ficast Corporation. Adams is also a licensed insurance agent. Confidential Management Advisors provides investment supervisory and non-supervisory services to individuals, trusts, estates, pension and profit-sharing plans, and charitable organizations. The firm uses proprietary financial forecasting models to create client-specific asset allocations and combines passive, active, tactical, and dynamic investment approaches, occasionally allocating to third-party advisers selected through a rigorous screening process.

Robert Boutin is a financial advisor at Physicians' Financial L.C. in Northville, MI, with 15 years of industry experience. He holds a Series 66 designation and has been affiliated with Physicians' Financial L.C. and Midwest Financial Education L.C. since 2011. Physicians' Financial L.C. provides personal wealth planning primarily for medical professionals, combining investment management with income tax planning, life and disability insurance, and financial counseling. The firm employs a long-term, disciplined investment approach using diversified, risk-based model portfolios and offers a combination of advisory, insurance, and tax services within a single practice.

Richard Gillikin is the founder and sole advisor at GilliKin Advisors Limited, an independent firm based in Farmington Hills, MI. He holds a Series 65 designation and has 12 years of experience in investment advisory services. In addition to his advisory role, Gillikin has been president of Gillikin & Associates, CPA, PC since 1982, a public accounting firm specializing in tax and financial statement services. GilliKin Advisors Limited provides personalized investment advisory and portfolio management services to a small group of individual clients, overseeing approximately $26.4 million across 21 accounts. The firm operates on a primarily non-discretionary basis and integrates investment guidance with tax and accounting considerations.

Raphael Hofmann is a financial advisor at Association Financial Services, LLC with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Capital Analysts, LLC and Lincoln Investment Planning, Inc. Outside of his advisory role, Hofmann is a managing member of a firearms retail and manufacturing business and serves as a public notary. Association Financial Services primarily serves individual and small business clients with retirement, education, investment, and insurance planning. The firm offers discretionary portfolio management combined with financial consulting, incorporating both securities and non‑security investments such as fixed and fixed‑indexed annuities, and conducts educational workshops for clients.

Richard Probst is a CFP®-designated financial advisor with 45 years of industry experience. He has been with Fountainhead Financial Management, Inc. since 1998 and previously worked at Linsco/Private Ledger Corp. He is involved in a family business focused on agricultural and food processing byproduct and waste recycling, providing management and business advice. Fountainhead Financial Management, Inc. is an independent firm offering financial planning services on a fixed fee or hourly basis.

Michael Krencicki is a CFP® professional with 15 years of industry experience, currently serving as the sole advisor at Global Wealth Advisors LLC in Troy, MI. He has been with the firm since 2006. Outside of his advisory role, he is also engaged as an independent insurance agent. Global Wealth Advisors LLC provides fee-based asset management, financial planning, and retirement plan services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm employs a modern portfolio theory and global diversification approach, primarily using mutual funds and ETFs, and offers discretionary portfolio management with ongoing monitoring and periodic reviews.

Omar Ezz is a CFP® professional with 14 years of industry experience, currently operating as the sole advisor at Olive Tree Asset Management. His prior roles include positions at Blue Chip Partners, General Motors, Azzad Asset Management, and New England Securities. Ezz also maintains a full-time corporate finance role outside of his advisory practice. Olive Tree Asset Management is an independent, state-registered firm providing individualized portfolio management and financial planning services to households and institutional clients. The firm combines fundamental analysis and modern portfolio theory to develop tailored investment policies, serving both individuals and employee benefit plans.

Michael Cho is a financial advisor at Armor Wealth Strategies, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cutter & Company, Inc and Morgan Stanley Smith Barney LLC. Outside of advising, Cho serves as a fencing referee and volunteers as treasurer for the Disability Network of Oakland and Macomb Counties. Armor Wealth Strategies is a small advisory firm serving individual and high-net-worth clients with discretionary asset management, comprehensive financial planning, and ERISA 3(21) retirement-plan advisory services. The firm tailors portfolios to client goals and risk tolerances, employing a range of investment strategies and providing ongoing monitoring and quarterly reviews.

Brewster Smith is a CFP® professional with nine years of industry experience. He has been with The Financial Planning Company in Royal Oak, MI since 2016. The Financial Planning Company offers financial planning and discretionary investment management to individuals, high-net-worth individuals, qualified retirement plans, and trusts. The firm uses a long-term strategic asset allocation approach combined with enhanced indexing, quarterly rebalancing, and inputs from Morningstar and Dimensional Fund Advisors to construct portfolios tailored to client goals and risk tolerances.

Jeffrey Belmonte is a CFP® professional with 17 years of industry experience. He is the sole advisor at Summitview Advisors, an independent firm he has led since 2018. Prior to founding Summitview Advisors, he worked at Advanced Asset Management LLC and provided leadership coaching at 2-0 Leadership Coaching. Summitview Advisors serves individual clients, trusts, qualified retirement plans, corporations, and charitable organizations by offering portfolio management along with comprehensive and project-based financial planning. The firm’s investment approach emphasizes strategic asset allocation combined with fundamental and cyclical analysis and includes a diversified mix of asset classes and investment strategies.