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.

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.

Daniel Waskiewicz is a financial advisor at Oppenheimer with 14 years of industry experience. He holds the Series 66 designation and has been with Oppenheimer since 2011. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, charitable organizations, and retirement plan fiduciaries. The firm provides a range of advisory and brokerage services, utilizing strategic and tactical asset allocation, manager selection, and various investment strategies to meet client objectives.

Byron Swarts is a financial advisor at Oppenheimer with 10 years of industry experience. He holds the Series 66 designation and has been with Oppenheimer since 2012. Based in Frankenmuth, MI, he serves clients through the firm's broad range of advisory and brokerage services. Oppenheimer serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and retirement plan fiduciaries. The firm employs strategic and tactical asset allocation, manager selection, and various investment strategies to construct client solutions, offering both discretionary and non-discretionary management programs.

Douglas Kline is a financial advisor at Oppenheimer with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Fahnestock & Co., Inc. since 1999. Outside of his advisory work, he is a partner and landowner involved in farmland rental at Triple K Farm. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic and tactical asset allocation, manager selection, and various investment vehicles to construct client solutions, with accounts reviewed periodically and cash balances swept into its Advantage Bank Deposit Program.

Matthew Koch is a financial advisor at Centaurus Financial, Inc. with 38 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Centaurus Financial since 2001. Outside of his advisory role, Koch serves as a Tuscola County Commissioner and is involved with AFLAC providing cancer, hospitalization, and sickness policies. Centaurus Financial, Inc. offers advisory services through a network of independent representatives to individuals, families, businesses, and institutions. The firm provides financial planning, investment management, access to third-party money managers, and retirement-plan advisory services.

Edward Foltz is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. His career includes roles at Cetera Advisors LLC, Rummel Benefits Group, Income Planning Services, and Frs Financial Group, Inc. Outside of his advisory work, Foltz performs traditional Bavarian dance with Frankenmuth Schuhplattler LLC and serves on the board of governors for the Frankenmuth Community Foundation. Cetera Investment Advisers serves individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors, offering portfolio management, financial planning, and fiduciary solutions. The firm combines retirement and fiduciary capabilities with a broad trust and institutional network, supported by a variety of investment programs and custodial arrangements.

David Mc Govern is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he served 27 years with the Drug Enforcement Administration. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment strategies and advisory services supported by a large national network of advisors and branch offices.

David Bellsky is a financial advisor with LPL Financial in Vassar, MI, holding Series 63, 65, and 66 licenses and 18 years of industry experience. Prior to joining LPL in 2020, he worked at Sigma Financial Corp and Independent Bank. He also serves as an agent for fixed annuities through the Investment Center at Frankenmuth Credit Union. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plans, institutions, and high-net-worth households. The firm offers a range of investment delivery options supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings such as insurance and lending services.

Katrina Kaschinske is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and possessing 22 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of her advisory role, she serves as a Ministry Council member at St. Lorenz Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses across a broad range of financial planning topics. The firm combines planning with managed-account options under a consolidated billing system while maintaining separate planning and management services.

Kraig Pendleton is a financial advisor with Morgan Stanley, holding a Series 66 license and 18 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2014-2015. Pendleton also serves as a trustee in a trust based in Rockford, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Nicholas Bliss is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Woodbury Financial Services and Questar Asset Management. He is also co-owner of N.P.B Investments, a rental property business. OSAIC Wealth, Inc. is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm employs a range of investment strategies and platforms to deliver advisory and brokerage services through a large network of financial advisors.

Julie Kenrick is a financial advisor with Raymond James Financial in Fenton, MI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Raymond James Financial Services, Inc. since 1996 and has owned Lakeside Wealth Management since 2015. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through comprehensive risk profiling and supported by a broad affiliate network.

Andrew Zietz is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and 20 years of industry experience. He has been with Thrivent Financial for Lutheran and Thrivent Investment Management since 2005. Outside of his advisory role, he is a one-third owner of SLIM Holdings, LLC, a property holding company in Frankenmuth. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning focused on various financial topics without discretionary trading authority, combining planning with managed-account programs under a consolidated billing option.

Frank List is a financial advisor with Equitable Advisors in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he is approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored financial solutions.

Steven Masker is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He previously worked at Sigma Financial Corp for 13 years and has been affiliated with Frankenmuth Credit Union for over two decades, where he also serves as a relationship manager. LPL Financial provides advisory and brokerage services to a diverse client base, including individuals, retirement plans, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and combines large-scale advisory services with non-advisory product offerings such as insurance and lending.

Michael Southgate is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with 16 years of industry experience, all with Edward Jones since 2010. Outside of advising, he is involved as treasurer and co-owner of Pine Island Association LLC and owns Pine Island Design LLC, a design studio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs under a fiduciary standard.

Collin Reinert is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. He has worked at LPL Financial since 2022 and has prior experience at Frankenmuth Credit Union and Central Michigan University. Outside of advising, he is involved with the Investment Center at Frankenmuth Credit Union. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning and investment solutions supported by an in-house research team, delivered through a large network of investment adviser representatives.

Spencer Schneider is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Michigan on Main, Elite Breakout Marketing, and Sorrento Pacific Financial, LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and AI-driven research, as well as its roles as a commodity pool operator and advisor to multiple registered investment companies.

Monica Cronin is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2021, with prior experience at Northpointe OBGYN. Outside of her advisory role, she manages Happy Stance Ranch, a hobby farm where alpacas are raised and their fiber is processed into yarn for local knitters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors.

Eric Baarck is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. He serves as a board member of the Frankenmuth Conservation Club, which provides hunter safety courses and promotes natural resource conservation. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other planning topics without providing implementation services or discretionary portfolio management.

Andrew Booms is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds Series 63 and Series 65 licenses. Prior to his current role, Booms worked in professional sports catering and communications. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering detailed written recommendations on a variety of financial planning topics without portfolio management or discretionary trading authority. The firm supports ongoing planning relationships and integrates planning with managed accounts under a consolidated billing option.

Barry Cronin is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment solutions, supported by a large nationwide network of advisors and branch offices.

David Pendleton is a financial advisor with Morgan Stanley in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014. Pendleton serves as a director of Frankenmuth Mutual Insurance Co. and holds board positions with the St. Lorenz Foundation and the Frankenmuth Community Foundation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Elaine Parlberg is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. She has worked at LPL Financial since 2020 and concurrently serves at Frankenmuth Credit Union, where she has been involved since 2015. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product activities such as insurance and lending services.

William Lackowski is a financial advisor with Ameriprise who holds a Series 66 designation and has 17 years of industry experience. He has been with Ameriprise and its related entities since 2007. Outside of his advisory role, he owns and operates WJL Enterprises Inc., a business formed for cash flow and accounting purposes. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Jonathan Cummings is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. Prior to joining Edward Jones, he worked at ELGA Credit Union from 2013 to 2016. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide. The firm provides discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and overlay tax-efficient services under a fiduciary standard.

Timothy Lyons Jr. is a financial advisor at Cetera with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Cetera since 2011. Outside of his advisory role, Lyons coaches basketball at Kingston Community Schools. Cetera serves a wide range of clients, including individual, high-net-worth, institutional, and retirement-plan investors, offering portfolio management, financial planning, and fiduciary solutions through a large network of independent advisors.

Cole Launius is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has previously worked at Epitec, Dort Financial Credit Union, Nestle, UPS, and Big Johns. Launius is based in Frankenmuth, Michigan. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and asset management services separate.

Shanna Jacobs is a financial advisor with Morgan Stanley, holding a Series 66 designation and five years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2020, and previously was employed at Hastings Mutual Insurance Company. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Stephen List is a financial advisor with Equitable Advisors in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, following a concurrent tenure at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to meet client needs.

Doyle Webb is a CFP® and holds a Series 66 license, with seven years of industry experience. He has been with Edward Jones since 2018 and previously worked in landscaping and hospitality roles in Frankenmuth, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Colin Maurer is a CFP® and holds a Series 66 license with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors.