Sheri Turek is a financial advisor with Ameriprise in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes roles at firms such as The Huntington Investment Company, Infinex Investments, Flagstar Bank, and J.P. Morgan Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that offers tax-aware retirement planning and ongoing income advice.

Todd Arner is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 designations. He has 26 years of industry experience, including prior roles at VOYA Financial Advisors and PNC Wealth Management. Arner is also president of Arner Investment Management, LLC, and serves as a board member and vice president of Westchester Village in Saginaw, MI. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and offers access to multiple platforms, proprietary model strategies, and unaffiliated third-party advisers.

Zachary Christensen is a financial advisor with Edward Jones in Bay City, MI, holding CFP® and Series 66 credentials and bringing nine years of industry experience. Before joining Edward Jones in 2017, he worked at Tyin' and Flyin' LLC and The Dow Chemical Company. Outside of his advisory role, he is involved with Triple C LLC, a business focused on buying and reselling collectibles and equipment. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets and offers a wide range of advisory programs, investment strategies, and affiliated services through a nationwide network of financial advisors and branch offices.

Bruce Falcon is a financial advisor at Osaic Wealth with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including The O.N. Equity Sales Company, Pruco Securities LLC, and Ohio National Financial Services. Outside of finance, Falcon is active in the arts and community events as an actor and board member of the Hell’s Half Mile Music and Film Festival and the Drydock Beer Garden. He is also a professional bowler and co-owner of a company leasing portable upscale restrooms. Osaic Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation, portfolio optimization, and offers a range of investment programs supported by both proprietary and third-party management strategies.

Zachary Stedry is a CFP® professional with eight years of industry experience currently serving at LPL Financial since 2023. His prior roles include positions at Cetera, Voya Financial Advisors, and Roberts Boehler & Fisher CPAs. He is also involved in an independent insurance agency through Zachary J Stedry, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management solutions, including access to model portfolios, third-party asset management, and institutional platforms.

Scott Reed is a CFP® professional affiliated with Edward Jones in Saginaw, MI, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard while maintaining a nationwide network of over 23,000 financial advisors.

Lee Miller is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2018. He previously worked at Wells Fargo Clearing from 2016 to 2018. Outside of his advisory role, Miller serves as treasurer for the Michigan Lutheran Seminary Foundation and is a director and secretary on the board of the TriCity Brewing Company. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides services to individuals, institutional clients, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Diane White is a financial advisor at Robert Baird & Co. with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Baird since 2019, following a nine-year tenure at J.J.B. Hilliard, W.L. Lyons, LLC. She is part of The DDK Group within Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services, utilizing a range of investment strategies and management approaches to meet varied client goals and risk tolerances.

Lawrence Brethauer is a financial advisor with Equitable Advisors in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and serves as president of Friend of Hoyt Park, a community organization. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and various advisory programs, focusing on personalized risk assessment and tailored investment models.

Dennis Stolz is a financial advisor with Stifel who holds a Series 66 designation and has 10 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and previously was with Wells Fargo Clearing from 2016 to 2020. Stolz is also involved with Northwood University as part of his professional background. Outside of finance, he serves as Co-Director of Birdman's Bass Fishing Tournament Series, a local fishing tournament in Midland, Michigan. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to guide asset allocation and financial planning decisions.

Scott Smith is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Stifel since 2020. Prior to joining Stifel, he worked at Wells Fargo Clearing from 2016 to 2020. He is a member of the Investment Advisory Board for the Chippewa Nature Center and is co-owner of a conservation and hunting club. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Sarah Bartnikowski is a financial advisor with Ameriprise Financial Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and J.J.B. Hilliard, W.L. Lyons, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income recommendations and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies. This service uses proprietary research, third-party data, and algorithmic tools to address asset allocation, withdrawal approaches, and Social Security options.

Joseph Maier Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His background includes roles in education at Saginaw Valley State University, Alma College, John Glenn High School, and Christa McAuliffe Middle School prior to entering financial services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Luke Russell is a financial advisor with LPL Financial in Midland, MI, holding a Series 66 credential and possessing 17 years of industry experience. His prior experience includes roles at Sigma Financial and Edward Jones. Outside of his advisory work, he serves as a baseball umpire for the United States Tennis Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies through a large network of advisors and integrates advanced operational and research tools.

Mindy Carr is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 25 years of industry experience. Her career includes roles at Huntington National Bank, The Huntington Investment Company, Fifth Third Securities, and National Planning Corporation. She serves as Board President of the Anthony Wayne High School Hockey Club, overseeing the JV and V hockey teams. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Kelly Herman is a financial advisor with Morgan Stanley in Saginaw, MI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets starting in 2005. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its process.

Terri Carmichael is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. Her career includes roles at Merrill and Bank of America prior to joining Wells Fargo in 2021. She serves as Vice Chair of the Board of Directors for Underground Railroad, Inc., a nonprofit organization involved in housing, legal assistance, and donor relations. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Gregory Johnson is a financial advisor at Ameriprise with 22 years of industry experience. Prior to joining Ameriprise in 2025, he worked at Hantz Financial for over two decades. He holds Series 63 and Series 65 credentials. Outside of his advisory work, he serves on the Board of Directors for the Highland Woods Association in Bay City, MI. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kelly Baumgartner is a financial advisor with Morgan Stanley in Saginaw, MI, holding CFP® and Series 66 designations and bringing 17 years of industry experience. She has been with Morgan Stanley and its affiliates since 2014. Baumgartner serves on the board of the Great Lakes Bay Economic Club and the executive council of the Stevens Center for Family Business. Morgan Stanley Wealth Management offers a broad range of advisory and financial planning services to individuals and institutional clients, utilizing firm-approved planning tools and models to develop tailored strategies.

Thomas Lanning is a financial advisor with Ameriprise in Freeland, MI, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Prior to Ameriprise, he worked at The Huntington Investment Company for eight years and Isabella Bank for two years. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. It offers a specialized Premier Retirement Income service focused on written recommendations and ongoing planning advice for clients approaching or in retirement, emphasizing dependable income sources and tax-aware withdrawal strategies.