Scott Smith is a CFP®-certified financial advisor with 36 years of industry experience. He has worked at Stifel Nicolaus & Co. Inc. since 2020, following tenures at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. Smith serves on the Investment Advisory Board of the Chippewa Nature Center, a nonprofit educational organization. Stifel serves a broad range of clients, including individual, institutional, and municipal entities, offering brokerage and investment advisory services based on a proprietary methodology developed by its Investment Strategy Group.

Sarah Bartnikowski is a financial advisor with Ameriprise in Saginaw, MI, holding Series 65 and Series 66 credentials and 24 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2014 to 2023 before joining Ameriprise in 2023. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized retirement-income consulting team.

Luke Russell is a Series 66-licensed financial advisor with 17 years of industry experience, currently with LPL Financial since 2023. He previously worked at Sigma Financial for eight years. Outside of his advisory role, he serves as an umpire for the United States Tennis Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of representatives. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

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.

Kevin Scorsone is a financial advisor with LPL Financial based in Saginaw, MI, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. He previously worked at Cetera Investment Services and Chemical Bank before joining LPL Financial and Tri Star Trust Bank in 2018. In addition to his advisory role, he serves as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and model portfolios.

Gregory Mc Keever is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having three years of industry experience. His prior experience includes roles at Northwestern Mutual Wealth Management Company, Tri-Star Bank, and Ivan Peruski. He is also a financial advisor at Tri Star Trust Bank. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Keith LaVielle, CFP®, is a Wealth Management Advisor and First Vice President at Merrill in Saginaw, Michigan. Since joining Merrill in 2014, he provides customized financial planning and investment guidance tailored to each client's goals. His expertise includes retirement planning, college education funding, estate strategies, tax minimization, philanthropic planning, portfolio management services, women and wealth, and individual and corporate investment strategies. Keith holds a Bachelor of Arts in Business Administration with a major in Personal Financial Planning from Central Michigan University. As a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor, he combines deep financial planning expertise with access to the investment insights of Merrill and banking solutions of Bank of America. His approach is comprehensive and goals-based, emphasizing long-term relationships built on trust, transparency, and thoughtful guidance. He resides in the Great Lakes Bay Area with his wife and their two dogs and is actively engaged in the community. Keith currently serves on the board of the Saginaw Basin Land Conservancy and is a member of the Leadership Saginaw County Class of 2019.

John Piersall Jr. is a financial advisor with Ameriprise in Saginaw, MI, holding the ChFC® and Series 63 designations and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he coaches a youth travel baseball team and serves as an official at hockey games. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, delivering structured, research-based recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

David Friebe is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2008. Outside of his advisory role, he serves as Vice Chairman of Trinity Lutheran Church and is a member of the Board of Directors for the Bay Area Women's Center. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based financial analyses and planning across multiple areas without discretionary trading authority.

Cheryl Zinz is a financial advisor with Osaic Wealth, Inc. in Saginaw, Michigan, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. Before joining Osaic in 2018, she worked at Signator Investors, Inc. for 11 years. Outside of her advisory work, she serves as a program director at Michigan Avenue Baptist Church and holds roles as a registered representative and vice president at Vantagepointe Financial Group. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Leif Peterson is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2020, following seven years at Royal Alliance. In addition to his advisory role, Peterson is involved with LEP Consulting, PLC, providing tax preparation and accounting services, and serves as a board member for the Gaslight Condominium Association in Bay City, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven solutions.

Spencer Gomes is a financial advisor with J.P. Morgan Securities in Saginaw, MI, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for the past ten years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jordan Bannerman is a financial advisor with Ameriprise in Saginaw, MI, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Edward Jones, American National Bank of Texas, LPL Financial, USAA Investment Management Company, and Scottrade, Inc. He has also worked as a self-employed sports official for four years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach emphasizes tax-aware withdrawal strategies and asset allocation within a product ecosystem that includes affiliated fund options.

Timothy Dijak is a financial advisor with Ameriprise in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior firms include Raymond James & Associates, where he worked for 10 years before joining Ameriprise Financial Services, Inc. He also owns Dijak Consulting PLC, which is used solely for payroll purposes. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Karen Lawrence Webster is a financial advisor with Equitable Advisors in Saginaw, MI, holding a Series 66 designation and 21 years of industry experience. She has been with Equitable Advisors since 2004 and previously worked with Axa Advisors, LLC. Outside of advisory work, Webster serves as president of the Saginaw Alumnae Chapter of Delta Sigma Theta Sorority, Inc., contributes as a guest columnist to Word Up Magazine and Michigan Banner Magazine, and participates in local community boards including the Saginaw African Cultural Festival and Saginaw County Executive Board. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers and LPL programs. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

David Anderson is a financial advisor with Robert Baird & Co. based in Midland, MI, holding a Series 66 designation and 14 years of industry experience. He previously worked for J.J.B. Hilliard, W.L. Lyons, LLC for seven years before joining Baird in 2019. Anderson serves as President and a board member of Saginaw Field and Stream, where he oversees the Investment and Finance Committee. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations using a range of financial planning, consulting, and portfolio management strategies.

Sam Howard is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2019. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Howard is a board member of The Arnold Center’s Investment Committee and also serves on the board of the Leon P Martuch chapter of Trout Unlimited. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, pensions, corporations, and charitable organizations. The group offers a range of investment strategies and overlays, including traditional and non-traditional asset allocations, along with municipal advisory and public finance services.