Jason Mcelroy is a CFP® professional with 15 years of industry experience, currently serving as the sole advisor at Worldwide Capital Advisors, LLC. He previously worked at First Allied Advisory Services, Inc. and First Allied Securities. In addition to his financial advisory role, he owns and operates Downriver Income Tax, a tax preparation and accounting business. Worldwide Capital Advisors, LLC offers discretionary asset management and financial planning services to individuals, including high-net-worth clients, and business entities. The firm manages approximately $84.3 million in assets across about 380 client relationships, using a range of analysis methods and providing tailored investment strategies with ongoing portfolio monitoring.

Peter Bakalis is the sole advisor at Bakalis Financial Inc. in Trenton, MI, holding Series 63 and Series 66 credentials with 13 years of industry experience. His prior work includes roles at D.H. Hill Advisors, DH Hill Securities, Spc, and Sigma Financial Corporation. Outside of financial advising, he has owned and operated Maalouf Salon since 2009 and maintains an independent insurance agency. Bakalis Financial Inc. provides portfolio management services to individual and high-net-worth clients, utilizing a combination of analytic techniques and modern portfolio theory within a long-term trading framework. The firm manages approximately $26 million in client assets and offers both discretionary and non-discretionary investment mandates.

Renee Skiver is the principal advisor at Skiver Investment Services with 29 years of industry experience. She previously worked at Next Financial Group Inc before founding her independent firm in 2018. In addition to her advisory role, she is an independent insurance agent offering life insurance, fixed annuities, long-term care, and property and casualty coverage. Skiver Investment Services is a state-registered independent firm providing discretionary portfolio management, financial planning, and consulting services primarily to individual and high-net-worth clients. The firm employs a customized, predominantly long-term investment approach using fundamental, cyclical, and charting analysis to manage portfolios consisting of individual stocks, mutual funds, ETFs, and bonds.

Brian Teets is a financial advisor at Legacy Investment Advisors LLC with a Series 65 credential and two years of industry experience. He has worked at Legacy Investment Advisors since 2023 and has been associated with Safe Haven Wealth Management since 2013. Prior to his financial advisory roles, he worked with Dearborn Schools for 27 years. Legacy Investment Advisors LLC provides ongoing portfolio management to individual and high-net-worth clients, offering both discretionary and non-discretionary services. The firm uses multiple methods of analysis, including charting, fundamental, quantitative, and technical approaches, and employs both long-term and short-term trading strategies.

Erin Shelton is a Series 65–licensed financial advisor with Key Concerns Inc in Wyandotte, MI, where she has worked since 2008. She has 15 years of industry experience. Outside of her advisory role, she is involved in the rare coin business through Farmington Valley Rare Coins and facilitates estate planning data gathering for Doyle Law PC. Key Concerns Inc serves individual clients and small business retirement plans by selecting and monitoring third-party money managers and providing financial planning and consulting. The firm matches clients to unaffiliated advisers based on personalized investment policies and performs ongoing due diligence without providing discretionary portfolio management itself.

John Robbins is a CFP® with 39 years of industry experience, currently serving at Jfr Financial Services, Inc. in Trenton, MI, where he has worked for 35 years. He has also held positions at LaSalle St Securities LLC and Lpl Financial LLC. Outside of financial advising, he authored a book titled *A View from the Back Row – What Happened to Our Church?* and serves as trustee managing charitable giving accounts. JFR Financial Services primarily serves individual and high-net-worth clients, offering comprehensive financial planning, investment management, consultations, educational seminars, and income tax-preparation services. The firm manages approximately $277 million on a discretionary basis and emphasizes fundamental, long-term investment analysis tailored to clients’ goals and risk tolerances.

Gaetano Cappelletti is a CFA® charterholder with 15 years of industry experience, currently serving as the sole advisor at Affinity Financial Advisory in Allen Park, MI. He has been with Affinity Financial Advisory since 2005. Affinity Financial Advisory primarily serves individual investors, including high-net-worth clients, as well as businesses and charities, offering discretionary portfolio management alongside comprehensive financial advisory services such as cash-flow planning, tax and estate considerations, and retirement planning. The firm employs a technical analysis-driven investment approach and provides a range of service options tailored to client needs.

David Mcdonald is a financial advisor with MFG Capital, Inc. in Trenton, MI, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has worked at MFG Capital since 2018 and has been involved with McDonald Financial Group since 2013. Outside of his advisory role, he is also active as an insurance agent, selling insurance products. MFG Capital, Inc. provides fee-based investment management and financial planning services to individuals and business entities, managing discretionary portfolios and co-advising some accounts with a third-party manager. The firm emphasizes individualized portfolios based on client goals, time horizons, and risk tolerance, and offers public educational seminars.

Matthew Holody is a financial advisor at Affinity Financial Advisory with 14 years of industry experience. He holds a Series 65 designation and has worked since 2009 as Controller and CPA for Flat Rock Metal Inc., a steel parts manufacturer for the automotive industry, where he manages accounting operations. Affinity Financial Advisory primarily serves individual investors, including high-net-worth clients, as well as businesses and charities. The firm provides discretionary portfolio management and comprehensive financial advisory services, utilizing a technical analysis approach and a three-part client profiling process to guide investment decisions.

Patrick Guentner is a financial advisor at Legacy Investment Advisors LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and is also a practicing attorney with Guentner, Barbee & Associates PLLC. Outside of advising, he serves as a FINRA arbitrator and operates a retail store through One More Training Gear, LLC. Legacy Investment Advisors LLC provides portfolio management services to individual and high-net-worth clients, utilizing a combination of charting, fundamental, quantitative, and technical analyses. The firm offers both discretionary and non-discretionary services and manages approximately $63.85 million in discretionary assets across about 260 client accounts.

Craig Sawicki is a financial advisor at Jfr Financial Services, Inc. with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LaSalle St Securities and LPL Financial prior to his current firm. In addition to advisory services, he is involved in income tax preparation through Jfr Financial Services. Jfr Financial Services primarily serves individual and high-net-worth clients, offering modular financial planning, investment management, educational seminars, and a client newsletter. The firm manages approximately $277 million on a discretionary basis and emphasizes fundamental, long-term analysis tailored to clients’ goals and risk tolerances.

Jennifer Brown is a financial advisor at Key Concerns Inc with 14 years of industry experience. She holds a Series 65 designation and has worked at Belpointe Asset Management, LLC since 2016 and Key Concerns, Inc. since 2011, as well as a brief tenure at Tuttle Wealth Management. Outside of advisory services, she is involved in tax preparation through Liberty Tax. Key Concerns Inc. serves individual clients and small business retirement plans by selecting and monitoring third-party money managers and providing financial planning and consulting services. The firm focuses on aligning clients’ Personal Investment Policy Statements with appropriate unaffiliated advisers and maintains a formal solicitor role with multiple third-party advisory firms.

Lowell Conner is a financial advisor at Fairway Investment Group, LLC with 10 years of industry experience. He holds a Series 66 designation and has been with Fairway since 2017. Conner is also involved with MEA Financial Services as an insurance representative. Fairway Investment Group primarily serves individual clients affiliated with the Michigan Education Association, providing fee-based portfolio management and advisory services through LPL Financial-sponsored programs that utilize fundamental, technical, and cyclical analysis tailored to client objectives.

Erin Wozniak is a financial advisor at Merit Financial Advisors with 13 years of industry experience. She holds Series 65 and Series 66 designations and has previously worked at Commonwealth Financial Network, Advantage Investment Management, LPL Financial, and TL Financial Group. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves tailored by advisors, with oversight from a central Investment Management team and Investment Committee.

Sonya Palumbo is a financial advisor with Prospera Financial Services, Inc., holding a Series 66 designation and 25 years of industry experience. Her prior work includes roles at CETERA Advisor Networks LLC and Summit Brokerage Services Inc. She is also a registered sales assistant at Taylor & Associates LLC. Prospera Financial Services, Inc. is an enterprise-scale adviser and dually registered broker-dealer serving individuals, including high-net-worth clients, corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors across 140 offices, offering investment advisory and financial planning services through various platforms and customizable portfolio strategies.

Christina Perna is a financial advisor at Merit Financial Advisors with 19 years of industry experience. She holds a Series 66 designation and has previously worked at TL Financial Group, Commonwealth Financial Network, LPL Financial, and Advantage Investment Management LLC. In addition to her advisory role, she is also a notary public. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base that includes individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, with oversight from a central Investment Management team and an Investment Committee.

Kevin Berwald is a CFP® and ChFC® with 29 years of industry experience. He has been with Regal Investment Advisors LLC since 2021 and previously worked at Pacific Life for 19 years. Outside of his advisory role, he is involved in sales coaching and consulting through Berwald Financial Enterprises, LLC and Catalyst4Growth, and serves as a national sales manager for Lionshare. Regal Investment Advisors LLC (doing business as LionShare) provides discretionary investment management services to independent advisers and subadvisors, serving individual, charitable, and corporate clients. The firm offers proprietary and third-party model portfolios and grants advisers discretionary authority to manage and rebalance accounts according to selected strategies.

Gerard Taylor is a financial advisor with Prospera Financial Services, Inc., holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Prospera since 2021 and previously held positions at Cetera Advisor Networks LLC and Summit Financial Group Inc. Taylor is also the owner of Taylor & Associates, LLC, an investment-related business. Prospera Financial Services is an enterprise-scale adviser and dually registered broker-dealer serving individuals—including high-net-worth clients—corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors and offers investment advisory and financial planning services across multiple platforms with a combination of firm models, third-party sub-advisers, and customizable allocations.

Michelle Lafuente is a financial advisor at Merit Financial Advisors with 14 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Commonwealth Financial Network, LPL Financial, Advantage Investment Management, and TL Financial Group. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, corporate and business clients, retirement plan sponsors, charitable organizations, and other institutions. The firm employs a long-term, diversified investment approach using model portfolios, modular sleeves, and various investment vehicles, with oversight from a central Investment Management team and Investment Committee.

Richard Grucz is a financial advisor with Silver Oak Securities, Incorporated, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Silver Oak Securities since 2020 and has concurrently served at SagePoint Financial since 2011. Outside of advisory services, he is a licensed insurance agent. Silver Oak Securities provides advisory services to individuals, families, corporations, retirement plans, and charitable organizations, managing over $2 billion in discretionary assets through a network of more than 100 financial professionals. The firm offers individualized portfolio management, unified managed account programs, financial planning, and third-party manager referrals, delivering investment advice mainly on a discretionary basis.