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.

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.

Shannon Astrike is a financial advisor with Cetera in Midland, MI, holding Series 63 and Series 65 registrations and 27 years of industry experience. She has worked at Cetera since 2004 and owns Astrike Advisory LLC and Astrike Financial PLLC, where she also practices as a CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services with a multi-manager platform and notable scale, managing over $256 billion in assets.

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.

Lexi Astrike is a financial advisor at Cetera with a Series 66 credential and one year of industry experience. Her prior work includes roles at CliftonLarsonAllen and Clark Capital Management Group, as well as founding Astrike Financial PLLC. She also operated the Bittersweet Quilt Shop LLC in 2021. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts, offering a variety of portfolio management and financial planning services through a large network of independent advisors.

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® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial since 2020. Prior to joining LPL, she worked for Royal Alliance Associates, Inc. for 15 years. In addition to her advisory role, she owns a construction equipment rental company. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

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 licenses and over 30 years of industry experience. He has been with LPL Financial since 1996 and is also associated with Projected Planning Inc. and Irish & Associates, the latter of which he has operated since 1970. Outside of advisory work, he is involved in selling fixed life insurance through Irish & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment strategies including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

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.

Daniel Bade is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has been with Merrill since 1990 and is part of The Provenzano-Bade-Wood Group, a team with over 130 years of combined experience in the financial services industry. Daniel's work focuses on helping clients pursue their financial goals through a client-centered, goals-based investment approach, covering areas such as divorce transition planning, family wealth management, personal retirement planning, philanthropic planning, and portfolio management services. Daniel holds a B.A. in Marketing with minors in Accounting and General Business from Western Michigan University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for four consecutive years from 2022 to 2025. Active in his community, Daniel serves as Co-Chair of the Frankenmuth Rotary Helping Hands Committee Fund, Chairman of the Frankenmuth Fondo bicycle race, and a Board Member for the St. Lorenz Foundation. He is an active member of St. Lorenz Lutheran Church in Frankenmuth. Daniel resides in Frankenmuth with his wife and enjoys biking, fishing, golfing, reading, running marathons, spending time with his family, and traveling.

Justin Herbolsheimer is a financial advisor at Edward Jones with 16 years of industry experience. He has held his current role at Edward Jones since 2009 and holds the Series 66 designation. Outside of his advisory work, he operates a small farm in Bay City, MI, where he farms pumpkins each fall. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

James Tillman Jr. is a financial advisor with LPL Financial holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at CUNA Mutual Group, JP Morgan Securities LLC, and Firstmerit Bank. Outside of his advisory work, Tillman has operated a business called The Pancake Man since 1995. 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 a range of financial planning and investment management services, utilizing a broad platform that includes model portfolios, third-party asset managers, and institutional programs.

Timothy Mantyla is a financial advisor with Ameriprise in Midland, MI, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His prior roles include positions at Cetera Advisors LLC and Ameriprise Financial Services Inc. He is also a co-owner of a real estate business outside of his advisory work. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm delivers these services through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions.

Joseph Reyes is a financial advisor with J.P. Morgan Securities, holding Series 63, Series 65, and Series 66 licenses and bringing 15 years of industry experience. He has worked with various JPMorgan entities since 2015, including J.P. Morgan Securities LLC and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

George Snyder is a financial advisor with LPL Financial in Saginaw, MI, holding Series 63 and Series 66 licenses and 25 years of industry experience. He previously spent 15 years with Royal Alliance Associates, Inc. and has maintained independent insurance and CPA-related businesses for over two decades. Snyder is a shareholder in Mcdonald And Associates CPA PC, a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, including third-party asset management and institutional platforms, supported by a broad network of investment adviser representatives.

Andrew Cousineau is a financial advisor at Osaic Wealth, Inc. based in Saginaw, Michigan, with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Signator Investors Inc. Cousineau also serves as Vice President of Vantagepointe Financial Group, where he is involved in the sales and marketing of securities and insurance products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that include a range of investment types and supports both discretionary and non-discretionary account management.

Ryan Hampton is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bank of America, Dow Credit Union, and various educational institutions. Merrill, together 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 individual, high-net-worth, institutional, and nonprofit clients.