Frank Arvai is a CFP® professional with 14 years of experience, currently serving at William Mack & Associates Inc since 2019. He previously worked at Mutual Fund Management Co for 26 years and operated Arvai & Associates from 1992 until its sale in 2017. Following the sale, he has worked as an independent contractor-consultant during the transition of Arvai & Associates to a new firm, a non-investment related activity. William Mack & Associates is a fee-only, SEC-registered investment adviser managing approximately $820 million for nearly 1,000 clients through a team of ten advisors. The firm focuses on diversified, tax-efficient, low-cost investment strategies using no-load mutual funds and ETFs, serving individuals, trusts, retirement plans, and other entities.

Austin Garcia is a financial advisor at Cetera with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Edward Jones and West Shore Bank. Garcia is active in his community, serving as vice president of Hart Rotary and holding board positions with the Shelby Optimist Club and Silver Lake Sand Dunes Area Chamber of Commerce. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers portfolio management, financial planning, retirement plan solutions, and access to third-party managers, combining retirement and fiduciary capabilities with a broad advisory platform.

James Stovall is a financial advisor with LPL Financial in North Muskegon, MI, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with LPL Financial since 2009 and has been associated with Shelby State Bank since 2005. 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 wide range of financial planning and investment management solutions supported by an in-house research team and a large network of investment adviser representatives.