Michelle Irene Bauer

Lynette Sayler is a financial advisor with Packerland Brokerage Services, Inc., holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Packerland since 2021 and concurrently serves as president of Sayler's Accounting & Tax Spec, Inc., a firm she founded in 1990. Additionally, Sayler serves as an officer and director on the board of the nonprofit organization Lenawee County Mission-Prospectives in Adrian, MI. Packerland Brokerage Services, Inc. serves individual and institutional clients through a network of 178 advisors, managing over $1.3 billion in assets. The firm offers a range of advisory services including financial planning, portfolio management, and retirement-plan consulting, utilizing both direct management and third-party money managers via the Hilltop/Hilltop-cleared Envestnet platform.

Thomas Mackinnon is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 66 and Series 63 registrations and bringing eight years of industry experience. His prior roles include positions at JP Morgan Securities, LPL Financial, and Empower Financial Services. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed and non-discretionary investment advice supported by Morningstar Investment Management’s portfolio oversight and proprietary software. The firm focuses on asset allocation, contribution guidance, and retirement planning through various advisory programs.

Molly Berner is a financial advisor at Thrivent Investment Management with 18 years of industry experience. She holds the Series 66 designation and has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2007. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based, holistic planning covering topics such as retirement, tax, estate, and special needs planning, with the option to combine planning with managed-account services under a consolidated billing program called “WealthPlan.”

Russell Dempsey is a CFP® with 24 years of experience in the financial services industry and is currently affiliated with Cetera Wealth Services, LLC. His background includes roles at Avantax Advisory Services, 1ST Global Advisors, and Willis & Machnik Financial Services. Outside of advising, he serves as president of a CPA firm and is involved as a potential advisory board member for the nonprofit Maya Indian Mission, Inc., as well as providing accounting support for a sickle cell anemia organization. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating across various program structures and custodial relationships.

Michael Dempsey is a CFP® with 24 years of industry experience, currently advising clients at Cetera. His career includes roles at Avantax Advisory Services, 1ST Global Advisors, and Willis & Machnik Financial Services. He is also a shareholder and CPA at Dempsey & Dempsey, P.C. CPAs. Outside of advising, he owns and manages accounting for a beach resort and serves as a trustee for his personal revocable trust. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 independent advisors. It offers a range of investment and retirement services to individual, corporate, charitable, and institutional clients through a multi-manager platform that includes discretionary and non-discretionary portfolio management and access to third-party money managers.