Timothy Holsworth is a CFP® credentialed financial advisor with 40 years of industry experience, currently serving at Raymond James Financial in Bay City, MI. He has worked at Raymond James Financial Services Advisors since 2010 and also owns AHP Financial Services, Inc., a support company where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Sherry Schock is a financial advisor at Edward Jones in Midland, MI, holding a Series 66 designation with three years of industry experience. Before joining Edward Jones, she was a partner at Bloom by Bloom, LLC, and has over two decades of experience with Walden University. She also works as an independent educational leadership consultant and has been invited to conduct training for school leaders in Hawaii and participate in panel discussions on charter schools. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Emily Rush is a Series 66 licensed financial advisor with 15 years of industry experience. She has worked at Ameriprise since 2026, following nine years at The Huntington Investment Company and six years at LPL Financial. Outside of her advisory work, she is a member of Rush Properties, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Kimberly Martin is a financial advisor with LPL Financial in Bay City, MI, holding Series 63 and Series 65 designations and 25 years of industry experience. Her prior roles include positions at Thumb Bank & Trust, Sorrento Pacific Financial, LLC, and Hantz Financial Services, Inc. Outside of finance, she is a business owner of an auto repair facility operated jointly with her husband. 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 advisory services, including financial planning and model portfolio programs, and integrates both strategic and tactical investment approaches supported by advanced research and operational tools.

Scott Miller is a financial advisor with Edward Jones in Bay City, MI, holding a Series 66 designation and with six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Labadie Auto Company and Chestnut Valley Holdings, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Dennis Taylor is a financial advisor at Edward Jones with 23 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is involved in managing a rental property in Bay City, Michigan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices, offering a variety of advisory strategies and affiliated investment products.

Timothy Todd is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 23 years. Outside of his advisory role, he volunteers at community household hazardous waste days and officiates amateur sports including baseball, basketball, and football. Ameriprise offers a retirement-income planning service geared toward individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation overseen by a centralized consulting team to deliver tailored retirement advice.

Ryan Barber is a financial advisor with OSAIC in Saginaw, Michigan, holding a Series 66 designation and 25 years of industry experience. He previously worked at SII for 11 years before joining OSAIC in 2018. Barber is also active as a real estate investor and serves as president of RB Wealth Management LLC, where he focuses on sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a range of customizable investment programs supported by affiliated broker-dealer and RIA relationships.

Spencer Pnacek is a financial advisor with LPL Financial and holds the Series 66 designation. He has three years of industry experience, including roles at Tri-Star Trust Bank and The Prudential Insurance Company of America. Outside of advising, he is involved with Tri-Star Trust Bank in a financial institution duty capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of investment adviser representatives using various strategies and platforms.

Amy Hebert is a financial advisor with Cetera in Midland, MI, holding a Series 66 designation and 10 years of industry experience. She is the owner of Hebert Wealth Advisors LLC, where she provides both financial services and tax/accounting support. Amy also serves as treasurer for the nonprofit organization P.E.O. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm offers multiple program structures and access to third-party and affiliated managers.

Nathan Breidinger is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 designations and has 15 years of industry experience. Prior to joining Cambridge in 2019, he worked at Voya Financial Advisors and Arner Investment Management. Outside of his advisory role, he is involved in tax service ownership through Harmony Financial Services, serves on finance and investment committees for local organizations, and acts as a notary. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides both discretionary and non-discretionary management through multiple platforms and features proprietary model strategies under the Founders Gate Capital brand.

Rachel Aviles is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in delivering personalized wealth management strategies tailored to clients’ unique financial goals. With a focus on areas such as divorce transition planning, family wealth management, retirement income, and legacy planning, Rachel works closely with clients to develop flexible financial strategies that respond to evolving market conditions. Rachel holds a Bachelor's degree from Wayne State University and a Juris Doctorate from the University of Detroit Mercy. Before transitioning to financial advising, she practiced law, an experience that enhances her understanding of clients’ needs. As a Personal Investment Advisor (PIA), Rachel is committed to building strong client relationships through open dialogue and customized financial planning. She is also active in her community, participating in the Rochester Rotary Club and the Hispanic/Latino Organization for Leadership & Advancement. Outside of her professional role, Rachel enjoys spending time with her family and engaging in activities such as camping, swimming, cooking, reading, traveling, writing, and yoga. She values giving back to the community through education and leadership initiatives, reflecting her dedication to both clients and community service.

August Hurt III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by advanced modeling tools and offers both direct and employer-sponsored financial planning services.

Steven Ciolek is a financial advisor with Ameriprise in Birch Run, MI, holding Series 63 and Series 66 designations and 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing detailed 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 personalized retirement income recommendations through a centralized consulting team.

Thomas Pacek is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized wealth management strategies that align with their individual financial goals and the evolving market conditions. Thomas leverages investment insights from Merrill, as well as banking and lending solutions through Bank of America, to support his clients' comprehensive financial needs. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Northwood University. Thomas is committed to engaging with the communities he serves, dedicating time to volunteer with local organizations. His approach centers on collaborating one-on-one with clients to help them pursue their long-term financial objectives.

Scott Hagenbach is a Certified Financial Planner (CFP®) with 23 years of industry experience. He has been with Ameriprise since 2015, currently serving as a financial advisor in Saginaw, MI. Outside of his advisory role, he is a co-owner of a tournament fishing LLC and occasionally participates in tournaments with his son. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Kathleen Walraven is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is the sole proprietor of an agricultural business, Pete's Paradise Acres LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and global investment insights.

Donald Smith is a ChFC® with 49 years of experience in the financial industry. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and Smith & Company Financial Services since 1995. Outside of his advisory work, he owns and operates a farming business in Michigan. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, with access to both affiliated and third-party managers across multiple program structures.

Valentino Deleon is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 credential and previously worked at United Bay Community Credit Union and Wanigas Credit Union. Deleon serves as a board member for the nonprofits United We Go and Do All, both of which focus on community inclusion and support for individuals facing barriers. 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 without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option.

Nicholas Zaucha is a Series 66-credentialed financial advisor with 15 years of industry experience. He has been with Edward Jones since 2011, based in Saginaw, MI. 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 discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and a proprietary money market fund, operating under a fiduciary standard.