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 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 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 having 21 years of industry experience. She has been with Equitable Advisors (and previously Axa Advisors, LLC) since 2004. Outside of her advisory role, Webster is active in her community as president of the Delta Sigma Theta Sorority Saginaw Alumnae Chapter and serves on the Saginaw County Michigan Executive Board providing voter information. She also contributes guest columns to Word Up Magazine and Michigan Banner Magazine and directs a firm focused on income tax preparation and compilations. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives and utilizes both proprietary and third-party advisory programs and managers.

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.

Kevin Spencer is a Series 66-credentialed financial advisor at Edward Jones with 15 years of industry experience. He has been with Edward Jones since 2010, based in Midland, MI. Outside of his advisory role, he owns rental properties managed primarily by his wife. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and affiliated investment products through a nationwide network of financial advisors.

Gregory Porath is a financial advisor at Robert Baird & Co. with three years of industry experience. He holds the Series 66 designation and has previously worked in the hospitality and banking sectors, including roles at Mike Mohn / Bestside Bar & Grill and Macatawa Bank Corporation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, implementing strategies through a combination of in-house and third-party managers across traditional and non-traditional asset classes.

Adam Thiel is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 at OSAIC with 25 years of industry experience. He holds a Series 66 credential and previously worked at SII for 11 years before joining OSAIC in 2018. In addition to his advisory role, Barber is involved in real estate investing. OSAIC serves a diverse range of retail and institutional clients, including individuals, high-net-worth investors, and charitable organizations. The firm utilizes a variety of advisory platforms and asset-allocation tools to offer integrated brokerage and investment advisory services, retirement plan consulting, and access to third-party money managers.

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.