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.

Tony Winter is a CFP®, ChFC®, and Series 63-licensed financial advisor with 31 years of industry experience. He has been with Ameriprise since 2024 and previously worked for 25 years at Hantz Financial Services, Inc. Winter is based in Midland, MI. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations, primarily for clients with assets managed within Ameriprise.

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.

Spencer Schneider is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. His previous roles include positions at Sorrento Pacific Financial, Thumb Bank & Trust, and United Wholesale Mortgage. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

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.

Kevin Scorsone is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes positions at Cetera Investment Services, Chemical Bank, and Chase Investment Services. He also serves as a Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of services including financial planning and institutional platforms, serving individuals, retirement plans, banks, and trust companies.

Keith LaVielle, CFP®, is a Wealth Management Advisor at Merrill's Saginaw, Michigan branch, where he has been serving clients since 2014. He provides customized financial planning and investment guidance tailored to each client's goals, with expertise spanning retirement planning, college funding, estate strategies, tax minimization, and portfolio management. His approach is grounded in a client-first philosophy and a comprehensive goals-based wealth management framework. Keith earned his Bachelor of Arts in Business Administration with a major in Personal Financial Planning from Central Michigan University in 2014. He holds professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). His academic background and over a decade of experience enable him to develop personalized financial strategies aligned with clients' unique goals and values. Beyond his professional work, Keith is involved in his local community, serving on the board of the Saginaw Basin Land Conservancy. He lives in the Great Lakes Bay Area with his wife and their two dogs.

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, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She previously worked for Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of her advisory role, she serves as a Program Director at Michigan Avenue Baptist Church. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and a multi-advisor platform.

Leif Peterson is a financial advisor with LPL Financial in Bay City, MI, holding a Series 66 credential and 16 years of industry experience. His prior work includes seven years at Royal Alliance and ongoing consulting through LEP Consulting, PLC, which provides tax preparation and accounting services. Peterson serves on the board of the Gaslight Condominium Association, a nonprofit in Bay City. 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 institutions. The firm supports a wide range of strategies delivered through a large network of advisors, with capabilities including financial planning, model portfolios, and institutional platforms.

Spencer Gomes is a financial advisor at J.P. Morgan Securities in Saginaw, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

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.