Dale Jurek is a financial advisor with Raymond James & Associates in Saginaw, MI, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services through various advisory programs.

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.

Kayla Lange is a financial advisor at Morgan Stanley in Saginaw, MI, holding a Series 66 designation with 12 years of industry experience. She has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and analysis methods. The firm manages a broad range of client assets and delivers services through both direct client engagement and corporate financial planning agreements.

Brian Abraham is a Series 66-licensed financial advisor with Raymond James & Associates, based in Bay City, MI, and has 20 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering tailored financial planning and consulting services primarily on a non-discretionary basis.

Brook Maziasz is a financial advisor at MassMutual Investors Services with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual Life Insurance Co and Soho. Outside of advising, he is involved in retail sales and works as a health insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and an event-driven approach for various planning services.

Thomas Twardecki III is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. His prior work includes roles at Home Depot, YMCA, and several educational institutions. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved tools to develop goal-based recommendations without discretionary authority.

Olivia Zwetzig is a CFP® and holds a Series 66 license, with three years of industry experience. She has worked at Edward Jones since 2022 and previously spent a year at Common Sail Investment Group and 15 years at Dow Chemical Company. 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 strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Richard Nelsen is a financial advisor with Cetera, holding the CFP® and Series 66 credentials and bringing 19 years of industry experience. He has been associated with Cetera since 2009 and previously operated his own financial planning and tax-related businesses. Outside of his advisory work, Nelsen serves as co-chairman of a local high school reunion committee. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, employer-sponsored, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting advisers with various program options and access to affiliated and unaffiliated investment managers.

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.

James Munn is a financial advisor with Cambridge Investment Research Advisors in Bay City, MI, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Cambridge since 2010 and serves as an independent insurance agent through Valley United Insurance Agency. Munn also operates Munn Farm, which sells eggs locally. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Macy Schultz is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has held previous roles at Covenant Health Care, U.P. Health Systems - Duke Life Point Health, and Manpower. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Dustin Smith is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2020. Outside of his advisory role, he assists with a family woodworking business, helping with sales and craft shows. He also serves on a local Board of Education in Bay City, MI. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized recommendations. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Annette McTaggart is a CFP®-certified financial advisor with 23 years of industry experience, currently affiliated with LPL Financial since 2020. She previously worked at Royal Alliance Associates, Inc. for 15 years and has maintained independent business activities including insurance agency work and tax preparation through McDonald Financial Services and McDonald & Associates, P.C. Additionally, she owns JAAD, LLC, a construction equipment rental company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research across diversified and alternative strategies.

Kristopher De Grow is a financial advisor with Ameriprise in Midland, MI, holding Series 63 and Series 65 licenses and with 22 years of industry experience. He has worked at Ameriprise and its affiliate since 2006. Outside of his advisory role, he operates DeGrow Consulting, providing coaching and consulting services to Ameriprise financial advisors focused on staff training, system development, and financial planning process efficiencies. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet certain asset thresholds, providing 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 support clients, with a centralized consulting team delivering non-discretionary recommendations in collaboration with advisors.

Kevin Pieschke is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Members First Credit Union, and Axa Advisors. Outside of his advisory role, he serves as a board member for Hopevale Church, where he participates in doctrinal discussions and budgetary decisions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michele Valentine Dobschensky is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has worked at Raymond James since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of services such as financial planning, non-discretionary investment consulting, and municipal advisory services.

William Irish is a financial advisor with LPL Financial in Saginaw, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has maintained a long-term association with LPL Financial since 1996 and has operated Irish & Associates since 1970 and Projected Planning Inc. since 1986. Outside of his advisory role, he is involved in selling fixed life insurance through his independent business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement consulting, and brokerage, supported by both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Wendy Mueller is a financial advisor with Ameriprise in Bay City, MI, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Her career includes tenure at Ameriprise since 2017, as well as previous roles at LPL Financial, The Huntington Investment Company, and FirstMerit Bank. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notably offering a Premier Retirement Income service that provides customized retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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 in Frankenmuth, MI, holding a Series 66 credential and 21 years of industry experience. He previously worked at Sigma Financial Corp for 13 years and has been associated with Frankenmuth Credit Union since 2005. Masker is involved in investment-related activities at Frankenmuth Credit Union and serves as a life and health insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party subadvisors.