With his customer-focused approach, Retirement

Income Planner Theodore “Ted” Bytnar develops

fresh approaches and new solutions to help clients

overcome change and reach their financial goals.

“It’s all about knowing your client, establishing

goals, and building trust.”

Bytnar uses his 28 years of experience in the financial

industry and his past successes to help clients

evaluate the most effective solutions. “I’ve seen how

clients have utilized the services we’ve rendered,” he

says. “I use this experience to help new clients make

effective decisions.”

When meeting with individual and business clients,

Bytnar gathers information on their insurance and

financial product needs. Rather than offering a one-sizefits-

all product, he evaluates their goals and proposes

customized coverage options to protect their wealth.

“My creative way of approaching specific situations

allows me to help my clients problem solve,” Bytnar

says. “I have clients with unique situations who need

to be at a certain point in a certain time financially,

and it motivates me to help them reach their goals.”

Working with individuals approaching retirement

or already in retirement, Bytnar says his objectives

are to build a strong relationship and continually

communicate and revisit their investments to keep

their plan on track so clients can live the retirement

of their dreams.

Bytnar is licensed in Life and Health insurance,

Property and Casualty insurance, as well as in Real

Estate. He began his career in the financial industry in

1987 as an insurance wholesaler. While overseeing

more than 50 insurance agents, he became an expert

in the wide variety of products offered. He also

championed superior customer care and excellence

for both new and existing clients.

In his free time, Bytnar is an avid golfer and

mountain biker. He enjoys attending sporting events

with friends and family, staying active outdoors and

playing sports.

Phil has been in the financial services industry for over 20 years, both as a CPA and as an Investment Advisor. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement. 

Phil's mission is to help seniors and soon-to-be-retirees take control of their financial future and make the best decisions possible for them and their loved ones. As Phil is often heard saying "if you don't have a plan, then whose plan are you following? The IRS's? The Social Security Administration?"

Phil's background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Investment Advisor allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility. 

Phil is also one of Ed Slott's Master Elite IRA Advisors, a designation that is exclusive to a group of 278 of the top financial advisors in the country who are trained by Ed Slott. 

Phil takes pride in providing his clients with the security & peace of mind that comes from knowing that you have a sound financial strategy that is designed to be defensive during times of market volatility and opportunistic during times of market growth. Phil and his financial strategies have been featured on FOX, PBS, WDIV, and the Wall Street Journal. Phil also publishes a weekly financial column that can be found here.

Scott Dickinson, CFF, is a proud 4^th generation Insurance Agency Owner and President of his family’s Insurance Agency, Republic Underwriters, Inc. Troy, Michigan, The Agency was founded in 1930. Scott is a Licensed Insurance Counselor, has a Certified Financial Fiduciary Designation, and is licensed in Property & Casualty, and Life and Health. Scott also is the Vice President of The Professional Law Enforcement Association Foundation, a 501 c(3) non-profit located in Troy, Michigan, the Foundation was founded in 2014.

Scott resides in St. Clair Shores, Michigan, and is the proud parent of Ryan and Andrew. When he is not in the office, Scott enjoys golf and sports.

Dr. Brenda Oldham is the CEO/Owner of RAM Insurance & Financial Services, conducts educational workshops on a variety of topics in financial literacy for companies, organizations, and individuals. RAM Insurance & Financial Services is located at 141 N. Milford Road, Ste. 101 in Highland, MI. Along with her value, integrity and expertise, Brenda is an independent financial advisor with the freedom to offer unbiased financial advice. In addition to providing her clients with knowledgeable advice to ensure their financial goals are achieved, Brenda Oldham presents her clients with the up-to-date technology and financial research to provide a satisfying professional experience. The integrity of Brenda and the staff is reassuring to their customers and results in 100% client satisfaction.

RAM Insurance & Financial Services offers a variety of products and services, including 401K plans, retirement and education plans, IRA's, 401K, Life Insurance, Long Term Care, Medicare Supplements, Mutual Funds, Professional Money Managers, tax management, distribution strategies, auto, home, commercial, workers compensation, liability insurance and bonds.

Ralph Gale has been helping people with their financial and protection needs since 1987. Ralph

began his career with Combined Insurance he soon realized that his clients didn’t fit into a

“cookie cutter” approach. Ralph moved to Prudential Insurance and began the investment side

of his practice. Following the recession of the 90’s his position was eliminated and he was

offered a Comptroller's position for a business in Florida overseeing the finance and insurance

division

Ralph migrated back to West Michigan and began building a team dedicated to providing

accurate investment and protection advice to seniors. While building a successful team was

gratifying his desire to stay hands on with his clients drove him to step down from that position

and formed “FIREProof Wealth Management LLC”. Insisting on the highest level of integrity and

accuracy, isn’t the Gold Standard, It’s the ONLY Standard!

Ralph’s approach is simple. Everybody’s situation is unique so a “cookie cutter” approach is an

insult to his clients. Your situation is yours and only you understand it and can communicate it

properly so it is up to us to help you tell us your perfect retirement then hope for the best and

plan for the rest.

Your investments are only a way to pay for your plan they are not your plan. We strive to make

your investments and protection fit perfectly into your puzzle.

Ralph spent time in discussions with many of the major brokerage firms and decided like he had

many years before that being independent would be the only way to insure his clients that the

advice they would be receiving wasn’t corporate policy or somebody in an office somewhere.

Ralph is local his advice is based on local conditions.

Ralph and Kay have been married for 22 years have two beautiful daughters ( just ask him).

Ralph and Kay attend Ada Bible where he has lead a Men’s small group study for 6 years.

Ralph knows that it’s either true or it’s false there is no gray. Therefore the answers you get to

your questions and concerns will always be true.

With his sincere approach to financial planning,

Nathan Lawson takes time to understand the needs

and goals of his clients. Keeping their best interests in

mind, he educates clients on their options, generates

a plan, and by researching which companies have

the best options for each client, makes sure they are

confident with the financial plans for their futures.

“I enjoy seeing someone go from overwhelmed and

unsure to educated and comfortable,” he says.

Nathan specializes in retirement planning, 401k/IRA

rollovers and annuities. He also spends time with clients

educating them on Medicare and life insurance.

“I would rather do what’s best for a client and keep

them happy for the next 30 years, than worry that

they may find something better and lose trust in

me,” Nathan says.

Nathan prides himself on customer satisfaction and

strives to be the type of advisor he would use himself.

He believes the best way to keep clients informed and

comfortable is with personal interaction. His clients

are given his personal cell phone number, knowing

they can call him 24/7. Nathan understands that

contacting a financial advisor may take a few minutes

of his clients’ time, but says it’s worth it because minor

adjustments can be made to maximize incomes and

cut unnecessary costs.

“When I was a child our family struggled financially. I

had to help support my mother and two younger

brothers since the age of 6. We delivered the Detroit

Free Press and Detroit News for 20 years at 3:00

AM – 6:00 AM everyday while going to school.”

Nathan says. “I don’t like to see others struggling. I

enjoy helping them out. I’m able to do that at this job

and I love it.”

Nathan is married to his wife, Josey, and has two

daughters, 3 year-old Scarlett and 6-month old

Jubilee. Nathan enjoys staying active and takes

part in many community recreational leagues. He

is also an active member in his congregation.

As your trusted advisor, I will guide you toward your financial goals with integrity, compassion, and diligence.  I believe independent, objective advice serves my clients best.  I believe in a strong personal relationship."  Anita works closely with her clients to recommend financial plans based on the client's unique and specific needs.  

Her background and credentials allow her to select the plan best suited to each client.  Anita currently holds FINRA Series 7, 63, and 66 licenses and, in addition to the Certified Financial Fiduciary, has earned the Accredited Asset Management Specialist (AAMS ® ) designation.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Anita Ritter Financial  and Cambridge are not affiliated.

As your trusted advisor, I will guide you toward your financial goals with integrity, compassion, and diligence.  I believe independent, objective advice serves my clients best.  I believe in a strong personal relationship."  Anita works closely with her clients to recommend financial plans based on the client's unique and specific needs.  

Her background and credentials allow her to select the plan best suited to each client.  Anita currently holds FINRA Series 7, 63, and 66 licenses and, in addition to the Certified Financial Fiduciary, has earned the Accredited Asset Management Specialist (AAMS ® ) designation.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Anita Ritter Financial  and Cambridge are not affiliated.

Zach is Co-Founder and Chief Operating Officer of The Affinity Group of Companies. Zach has more than 13 years of experience in the financial service industry supported by his degree in business. Zach also holds the Certified Financial Fiduciary (CFF®), Certified Fund Specialist (CFS®), Wealth Management Specialist (WMS℠), Certified Annuity Specialist (CAS®), Certified Income Specialist (CIS)™designation. 

Since I was 14 years old, I always knew I was going to be in the Finance business. Throughout my life two things have steered me to my purpose and obsession in life.

First was from a young age I always noticed my father was stressed about money. I remember being on vacations and he never enjoyed them because he was always worried about saving money away for retirement. He was an intelligent man, but he was not educated on investing, so it made him scared of it. Because he feared investing, he would put his hard-earner money in savings accounts and CDs that were paying pitiful interest rates. He had to save three or four times as much as the average investor for the same end results. After seeing that at a young age I wanted to make sure people were educated on investing so they can achieve their retirement goals while not sacrificing the enjoyment of life.

The second thing that steered me was in the early stages of my career in 2008 during the financial crisis. I will never forget the fear, anxiety, and uncertainty that gripped everyone during that time. It was a rude awakening seeing how this industry I love and dreamed about since I was 14 years old could do harm to others without a second thought. Instead of resenting it or taking a different career path I took it as a challenge to expose the greed, complicate investments, and high management fees and educate clients to help them be better investors. I made it my mission to always put the clients'' interest first.  

Lawrence Zimbler, MST, EA holds a BS in math, an MS in taxation, and has passed the Uniform

CPA Exam. Having been a supervisory principal in the securities field for 16 years, he now owns

and operates an independent investment advisory firm, 4square Advisory Services, Inc (4ASI),

CRD 177526 registered in the state of Michigan.

Since 1975 his tax experience includes IRS technical and managerial positions, professional tax

software development and support, private practice, and teaching and writing on taxation

issues. An Enrolled Agent is the only federally licensed tax credential that allows a holder to

represent clients in any state, before any division of the Internal Revenue Service.

Since 1986 his professional investment experience includes work as a registered representative

plus 16-years’ experience as a registered principal (supervising as many as 10 representatives

at one time). During this period, Larry held FINRA Series 6, 7, 22, 24, 51 and 65 licenses along

with Michigan life, health and property & casualty insurance licenses.

Creating 4ASI in 2015, having zero reportable events on his record, Larry (individual CRD

1439484) abandoned all securities and insurance licenses (except for FINRA Series 65 as

required by state law) and operates an independent, fee-only investment management

business. 4ASI is intended to be a small, boutique practice focused on the individual needs of

each client.

Larry continues active as a tax professional. He is a member of the National Association of

Enrolled Agents (NAEA), MI & NM Chapters, and the National Association of Tax Professionals

(NATP). He is a national instructor for NATP, as well as privately for various organizations. He

has authored classes and books for continuing education of tax professionals. This is important

because the tax consequences of investment decisions are in the forefront of his advice,

especially in regard to qualified retirement plans and funds; and understanding taxes brings with

it understanding of a large variety of financial transactions that affect investors.

As an investment advisor, Larry specifically focuses on clients that are below what is considered

“high net worth” believing these clients to be underserved by the profession. 4ASI currently has

more than $15-million under management, averaging about $218,000 per account. 4ASI will

take on clients with as little as $2,500 to invest (conditioned on regular additions). Most

importantly, 4ASI receives no compensation or incentives from any investments recommended

or trades placed; and 4ASI is not affiliated with any agency, organization or broker/dealer that

might influence investment recommendations. All investment activity is strictly focused on the

client’s best interest. To further his style of client-first operations, Larry acquired the

designation Certified Financial Fiduciary® in 2021, and this designation fits closely with the way

4ASI has always conducted business.

On a personal level, Larry is an active adult leader in Scouts BSA since 1991, and an ordained

elder in the Presbyterian Church USA. Married to Mary for 40 years they have two successful

adult children.

Contact Larry by email at larry@4squareRIA.com or 800-930-6454