Douglas Adams is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Robert Baird & Co., JJB Hilliard W.L. Lyons LLC, and Raymond James & Associates. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary guidance through a centralized consulting team.

Ely Klida is a financial advisor at Fidelity with three years of industry experience. He holds the Series 66 designation and has previously worked at Thrivent Investment Management and loanDepot. Outside of his advisory role, he is the owner of a rental property managed through a third party. Fidelity’s Strategic Advisers provides investment management and advisory services to both retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Kathleen Rondy is a Series 66-licensed financial advisor with Edward Jones in Essexville, MI, and has two years of industry experience. Prior to joining Edward Jones in 2025, she worked at Hantz Financial Services and held various roles at Michigan Tech University, Delta College, and Hemlock High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.

Fred Carter is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 39 years of industry experience. He previously worked for Commonwealth Financial Network for 23 years before joining LPL Financial in 2026. Outside of his advisory work, he is a co-owner of Carter Soap, a business based in Saginaw, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services delivered through a large network of investment adviser representatives.

Timothy Baldwin is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has been with Raymond James & Associates since 1999. Outside of his advisory role, Baldwin coaches for 10K To Flight, where he provides feedback and runs sound. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, drawing on a range of portfolio management styles and affiliated research.

Nicholas Cooper is a Wealth Management Advisor with the Mathewson Elliott Group and has been with Merrill Lynch Wealth Management since 2013. He provides comprehensive, goals-based financial advice to individuals, business owners, and institutions across the United States. His work focuses on helping clients define both short- and long-term financial objectives and delivering disciplined, personalized advice through various market cycles. Nick's expertise includes college education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's Degree in Personal Financial Planning and Finance from Central Michigan University, as well as the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Alternative Investment Analyst® (CAIA®) designation. Outside of his professional role, Nick enjoys biking, boating, hiking, running, and skiing.

Zachary Turner is a CFP® professional with 14 years of experience in financial advisory. He has worked with Raymond James Financial Services in various capacities since 2012. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide advisor network along with specialized municipal and public finance services.

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.

Laura Shields is a financial advisor at Ameriprise in Saginaw, MI, holding a Series 66 designation. She joined Ameriprise in 2024 and has prior experience with GS3 Management. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jeffrey Parrish is a financial advisor with Edward Jones in Freeland, MI, holding Series 63 and Series 66 licenses with 19 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Benjamin Rapanos is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2019, with prior experience at Bank of America, Merrill, and in real estate. Outside of his advisory role, he owns a real estate business, Benjamin Rapanos Rentals, LLC. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Luke Bogert is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding a Series 66 designation and four years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Northwestern Mutual. Outside of finance, he is involved in woodworking as a proprietor in an art and culture capacity. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and serves clients through various financial planning and investment services.

Matthew List is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. He is also the owner of LIST FINANCIAL LLC, a business he has maintained with minimal ongoing activity. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs, including third-party sponsored models and discretionary management, and offers ERISA fiduciary services through credentialed representatives.

Ashley Pockrandt is a financial advisor at LPL Financial with eight years of industry experience. She previously worked at The Huntington National Bank and The Huntington Investment Company before joining LPL Financial and Frankenmuth Credit Union in 2020. Pockrandt volunteers as a tax preparer for the Volunteer Income Tax Assistance (VITA) Program and serves as Vice President on the board of Women in Leadership - Great Lakes Bay Region. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning and investment management services through a network of advisors utilizing various portfolio strategies and technology tools.

Elaine Parlberg is a financial advisor with LPL Financial in Frankenmuth, MI. She holds a Series 66 designation and has 17 years of industry experience. Her career includes roles at Frankenmuth Credit Union, SPC, Sigma Financial Corporation, Mutual of Omaha Investor Services, and Thrivent Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supported by a large network of investment adviser representatives.

Mitchell Arner is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Voya Financial Advisors, Inc. and The Wirt-Rivette Group. He is also an independent insurance agent in Saginaw, MI. Cambridge Investment Research Advisors, Inc. serves a broad mix of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers a range of platforms and proprietary model strategies.

Chase Kelly is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked at Morgan Stanley and its private bank since 2017 and previously held positions with JPMorgan Chase and JPMorgan Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support client financial goals.

David Bry is a financial advisor with Stifel, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Stifel, Nicolaus & Company since 2019 and previously worked at Wells Fargo Clearing from 2016 to 2019. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide analysis and guidance, with clients retaining discretion over implementation.

Brandon Schneider is a financial advisor at Osaic with two years of industry experience. He holds Series 63 and Series 65 licenses. His prior work experience includes roles at Macmillan Associates, KUKA Assembly and Test, Nexteer Automotive, and Saginaw Valley State University. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering both brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and diverse program offerings.

Dana Gibbs is a financial advisor at Ameriprise with Series 63 and Series 66 licenses and 33 years of industry experience. He previously worked for Benjamin F. Edwards & Co. for 11 years before joining Ameriprise Financial Services LLC in 2024. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, utilizing a centralized team that produces written recommendation reports and ongoing advice based on investment research and algorithmic tools.