Mark Reitz is a CFP®-certified financial advisor with 15 years of industry experience. He founded and has managed Reitz Capital Advisors LLC since 2013. Outside of his advisory role, he is involved in health insurance through a partial ownership in Mayan Group Benefits and operates an insurance agency, Mayan Agency. Reitz Capital Advisors provides investment management, financial planning, and consultation services to a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporations, and government entities. The firm employs a long-term investment approach based on strategic, diversified asset allocation informed by Modern Portfolio Theory and fundamental analysis.

Timothy Crawford is a CFP® and ChFC® with 31 years of experience in the financial services industry. He is the principal of Tim Crawford CPA, an independent firm he has led since 2002. Prior to founding his firm, he worked for nine years at GWN Securities Inc. Outside of advisory work, he serves as president of TIM CRAWFORD, CPA, PC, which provides tax preparation and accounting services. Tim Crawford CPA is a CPA-based independent registered investment adviser serving individual, high-net-worth, corporate, and retirement plan clients. The firm combines accounting and insurance services with investment advisory work, referring clients to third-party managers and managing a broad investment universe without trading or holding custody of client assets.

Christopher Kuligowski is the sole advisor at Kuli Capital Management in Saginaw, MI, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has led Kuli Capital Management since its founding in 2010. Kuli Capital Management provides fee-based investment advisory and financial planning services to individual clients as well as institutional clients such as credit unions and municipalities. The firm utilizes a tactical allocation approach that incorporates both fundamental and technical analysis across a broad range of public securities to manage risk and pursue performance.

David Becker is a ChFC® with 37 years of industry experience, currently serving at Great Lakes Retirement Solutions, Inc. since 2025. He previously worked at Securities Equity Group for 15 years and has operated Premier Financial Group since 1999. Becker is president of Mid Michigan Teen Challenge, a Christian rehabilitation organization. Great Lakes Retirement Solutions serves individual and corporate clients with portfolio management, financial planning, and third-party adviser placement. The firm uses Modern Portfolio Theory for asset allocation and offers both discretionary and non-discretionary management, often engaging in co-adviser arrangements to support client oversight.

Matthew Starke is a financial advisor with Great Lakes Retirement Solutions, Inc. in Saginaw, MI, holding a Series 66 designation and 15 years of industry experience. He has been with Great Lakes Retirement Solutions LLC since 2013. Outside of advising, he serves as treasurer for Jolt Credit Union. Great Lakes Retirement Solutions serves individual and institutional clients, offering portfolio management, financial planning, and third-party adviser placement. The firm employs individualized asset allocation based on Modern Portfolio Theory and supports client relationships through ongoing monitoring and periodic reviews.

Paul Card is a Series 65-licensed financial advisor with Great Lakes Retirement Solutions, Inc. in Midland, MI, where he has worked since 2018. He also has over 20 years of experience with Smith & Co, CPA's, PLC, an accounting firm where he provides certified public accountant services. Great Lakes Retirement Solutions serves individual clients, including high-net-worth individuals, as well as corporations and business entities, offering portfolio management and financial planning. The firm employs individualized asset allocation based on Modern Portfolio Theory and often uses co-adviser arrangements to support client relationships.

Bradley Montgomery is a financial advisor at Great Lakes Bay Financial with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Richmark Private Wealth Management, Berthel Fisher & Company Financial Services, and held roles in insurance and legal services. In addition to his advisory work, he maintains a legal practice and works as a sales associate at Home Depot. Great Lakes Bay Financial provides discretionary asset management and financial planning services to a diverse client base, including individuals, trusts, estates, charitable organizations, and businesses. The firm uses fundamental and technical analysis to guide portfolio management and offers both full financial plans and consultation engagements tailored to specific client needs.

Suellen Estes is a financial advisor with Great Lakes Bay Financial in Saginaw, MI, holding Series 63 and Series 65 credentials and 15 years of industry experience. Her prior roles include positions at Belpointe Asset Management, Richmark Private Wealth Management, and BFC Planning. She is also an independent insurance agent, though she spends little time on insurance sales. Great Lakes Bay Financial provides discretionary asset management and financial planning services to individual investors, high-net-worth clients, trusts, estates, charitable organizations, and businesses. The firm emphasizes documented client goals, time horizons, and risk tolerance to guide portfolio management and offers financial planning both as part of ongoing services and on an hourly consultation basis.

Zachery Smith is a financial advisor at Great Lakes Retirement Solutions, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual and Richmark Private Wealth Management. In addition to his advisory role, he is a licensed life insurance agent operating under Premier Financial Group, where he assists clients with insurance coverage decisions. Great Lakes Retirement Solutions, Inc. serves individual clients, including high-net-worth individuals, as well as corporations and business entities, providing portfolio management, financial planning, and third-party adviser placement. The firm employs Modern Portfolio Theory in constructing and monitoring portfolios and offers both discretionary and non-discretionary management, often utilizing co-adviser arrangements to support client relationships.

Richard Marotzke is a financial advisor with RichMark Private Wealth Management in Frankenmuth, MI, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He previously worked at Berthel Fisher & Company Financial Services, Inc. and is involved with Alta Holdings and Michigan Valley Insurance Agency. Marotzke has been active with Christ Lutheran Church since 2004. RichMark Private Wealth Management serves individuals, retirement plan participants, trusts, estates, charitable organizations, corporations, and other registered advisers, offering portfolio management, financial planning, and consulting services. The firm customizes strategies using various analysis methods and manages accounts both directly and through sub-advisers, with a focus on aligning investment approaches to clients’ financial goals and circumstances.

Ronald Haller is a financial advisor at RichMark Private Wealth Management with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at USA Financial Securities Corporation. He is also involved in business coaching through The Alternative Board, a fellowship of entrepreneurs. RichMark Private Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other advisers by providing portfolio management, financial planning, and consulting services. The firm customizes strategies using various analysis methods and manages accounts both directly and through third-party platforms.

Zechariah Marotzke is a financial advisor at Richmark Private Wealth Management with one year of industry experience. He holds a Series 65 designation and has previously worked at Smile America, University Lutheran Chapel, Q3 Asset Management, and the University of Michigan. Richmark Private Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other advisers by offering portfolio management, financial planning, and consulting services. The firm customizes investment strategies using various analysis methods and manages accounts both directly and through sub-advisers.

Blaise Zimmer is a financial advisor at RichMark Private Wealth Management in Frankenmuth, MI, holding a Series 65 designation with six years of industry experience. He has worked at RichMark since 2020 and has also been involved in education through roles at Carrollton Public Schools and Marquette Area Public Schools. Outside of finance, he is the owner of a tree farm starting in 2025. RichMark Private Wealth Management serves a diverse client base including individuals, trusts, estates, and charitable organizations, offering customized portfolio management and financial planning. The firm employs various analytical methods and manages accounts both directly and through sub-advisers, tailoring strategies to clients’ investment experience and objectives.

Kevin Sims is a financial advisor with Richmark Private Wealth Management in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Richmark in 2019, he worked at Capfinancial Securities, LLC and Captrust Financial Advisors. He is also licensed in insurance and has been involved in insurance sales since 1993. Richmark Private Wealth Management serves a diverse client base including individuals, retirement plan participants, trusts, estates, and charitable organizations. The firm offers customized portfolio management and financial planning services, employing various analytical methods and both long- and short-term trading strategies, while managing accounts directly and through third-party platforms.

Mark Vanvoorhees is a CFP® with 30 years of industry experience, currently serving at Belpointe Asset Management LLC since 2019. His prior experience includes roles at Richmark Private Wealth Management and Berthel Fisher & Company Financial Services. Outside of his advisory work, Vanvoorhees teaches personal financial planning part-time at various universities, performs as a band and orchestra musician, and serves on the board of the Ignite the Arts Foundation in Michigan. Belpointe Asset Management serves a diverse client base including individual investors, retirement plans, corporations, and other advisers. The firm provides discretionary investment management, financial planning, and retirement consulting, offering customized portfolios through a combination of internal construction and third-party managers across passive, active, tactical, and blended strategies.

Robert Britton is a financial advisor with Creative Financial Designs, Inc. in Frankenmuth, MI, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Creative Financial Designs since 2014 and also owns Robert H Britton & Associates, LLC, which provides financial planning and related services. Creative Financial Designs serves a wide range of clients including individuals, charitable organizations, corporate clients, and employer retirement plans, offering discretionary and non-discretionary investment management alongside comprehensive financial planning. The firm utilizes asset-class model allocations based on third-party research and offers strategies ranging from passive ETFs to tactically managed portfolios, including a suite of Biblical Responsible Investing options.

Jonathan Gardey is a CFP® and CFA® with 15 years of industry experience. He is currently affiliated with Modern Wealth Management, LLC and has been involved with Gardey Financial Advisors LLC and Harrow Holding Group LLC since 2000. Outside of his advisory roles, he serves as Chairman of the Investment Committee for Covenant Health Care, overseeing the hospital’s insurance reserves, endowment, and pension funds. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, retirement plans, and corporations. The firm employs a centralized portfolio management model and offers a range of services such as discretionary investment management, tax and estate planning, and ERISA plan support.

Jeffery Gosen is a financial advisor at Founders Financial Securities LLC with 37 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to his current role, he has operated Gosen Investments, LLC since 2013. Outside of finance, he is a joint owner of a family farm in Saginaw, Michigan. Founders Financial Securities serves a broad range of clients, including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement consulting, and access to third-party asset managers, utilizing various investment programs and a combination of advisory, brokerage, and insurance services.

Eric Sowatsky is an investment advisor representative with Avantax Planning Partners, Inc. He holds the PFS™ designation and has two years of industry experience. Prior to joining Avantax in 2023, he worked at Yeo & Yeo Wealth Management LLC and has been involved with several affiliated entities including a CPA firm where he serves as principal and head of the Saginaw tax department. He is also a member of the Michigan Agribusiness Association Grain Committee. Avantax Planning Partners provides investment advice and financial planning primarily to individuals, pension and profit-sharing plans, charitable organizations, and businesses through collaborative referral arrangements with independent CPA firms and registered advisor representatives. The firm employs model-based style allocation strategies with discretionary portfolio management and offers tax-intelligent overlays, operating within a larger corporate group that includes broker-dealer, investment adviser, insurance, and pension consulting affiliates.

Melissa Seamon is a CFP® professional with 15 years of industry experience. She is currently with Modern Wealth Management, LLC and has a longstanding tenure at Gardey Financial Advisors LLC. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers services such as discretionary investment management, modular financial planning, tax planning, estate-planning assistance, and insurance solutions.