James Besaw is a financial advisor with Edward Jones in Saginaw, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at Fabiano Brothers and Herter Music Center. Outside of finance, he is a self-employed private music teacher and performer, and also writes marching band drills for high school bands. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions, supported by a nationwide network of over 23,000 financial advisors.

Megan Granda is a financial advisor with Ameriprise in Chesaning, MI, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2001. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jonathan Dekker is a financial advisor with LPL Financial based in Saginaw, MI, holding a Series 66 designation and 13 years of industry experience. He has worked with LPL Financial since 2022 and has been affiliated with CUNA Mutual Group and CUNA Brokerage Services since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven investment strategies.

Mark Mathewson is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 1987. He specializes in managing individual wealth through various market cycles, focusing on tailored strategies that align with each client's specific financial goals. Mark’s approach emphasizes understanding clients’ needs to deliver comprehensive wealth management solutions. He holds a Bachelor of Business Administration degree in Management from Saginaw Valley State University and earned the CERTIFIED FINANCIAL PLANNER™ (CFP) certification in 2004, awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, Mark is designated as a Personal Investment Advisor (PIA). Beyond his professional role, he participates in community volunteer activities, reflecting his commitment to the local areas he serves.

Bryan Graczyk is a Certified Financial Planner (CFP®) with 29 years of industry experience. He is currently affiliated with OSAIC Wealth Inc and has previously worked at The Graczyk-Dijak Financial Group, Harbour Investments, Inc, and NEXT Financial Group, Inc. Outside of his advisory role, he is also an independent insurance agent. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios incorporating various asset classes, and it offers both discretionary and non-discretionary account management.

Wesley Schropp is a Wealth Management Advisor and managing partner of the Iles Schropp Group within Merrill Lynch Wealth Management. He has been with Merrill since 2008, initially joining as an intern, and became a partner in the Iles Schropp Group in 2014. The group specializes in institutional investment consulting and focuses on serving foundations, endowments, nonprofits, corporations, and multi-generational families. Wesley holds a Bachelor's Degree in Personal Financial Planning from Central Michigan University. He has earned several professional designations, including the Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), and Certified Plan Fiduciary Advisor (CPFA). He also holds FINRA Series 7, 66, and SIE registrations. Wesley's expertise encompasses family wealth management strategies, institutional investment consulting, legacy planning, socially responsible and ESG investing, tax minimization, and personal retirement planning. He is active in professional and community organizations such as the Council of Michigan Foundations and Junior Achievement. Wesley resides in Saginaw, Michigan, with his wife and two children. His personal interests include golfing, reading, skiing, and spending time with his family and their golden retriever.

Matthew Lambertson II is a financial advisor at Edward Jones in Midland, MI, holding a Series 66 designation with four years of industry experience. He previously worked at Frankenmuth Credit Union for seven years before joining Edward Jones in 2022. Lambertson serves as Membership Chair for the Home Builders Association of Midland, where he organizes membership meetings and events. Edward Jones is a full-service wealth management firm with over 23,700 advisors serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Michelle Gaiser is a financial advisor with Raymond James & Associates in Bay City, MI, holding a Series 66 designation and six years of industry experience. She previously worked at Wells Fargo Advisors before joining Raymond James in 2018. Outside of her advisory role, Michelle owns businesses focused on fitness and wellness, including Gaiser Fitness and FASTer Way to Fat Loss, which offers health coaching services. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipalities. The firm provides tailored financial planning and advisory services supported by comprehensive research, portfolio management options, and specialized municipal advisory capabilities.

Jacob Kokaly is a financial advisor with OSAIC based in Saginaw, MI, holding Series 63 and Series 65 licenses and possessing eight years of industry experience. His prior work includes roles at Royal Alliance Associates, Signator Investors, Warmels & Comstock, and Michigan State University. Outside of his advisory work, he has been involved in a family-owned bread company, working part-time as a merchandiser. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of advisers and multiple platforms. The firm employs various portfolio construction tools and provides access to third-party money managers and managed-account solutions.

Nathanael Ott is a financial advisor with Thrivent Investment Management in Saginaw, MI, holding a Series 66 designation and 19 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on a variety of financial topics without including implementation. The firm integrates holistic, goal-based analyses with planning and managed-account services under a consolidated billing option called “WealthPlan.”

Jody Cliffe is a financial advisor with Edward Jones in Freeland, MI, holding a Series 66 designation and 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory services and investment options, managing approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Jon Frank is a Series 66-licensed financial advisor with Equitable Advisors in Saginaw, MI, where he has worked since 2017. He has nine years of industry experience, including prior roles at AXA Advisors and Premier Financial Group. Outside of his advisory work, he coaches volleyball at Valley Lutheran High School and manages a seasonal landscaping business. Equitable Advisors serves a wide range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively with LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Patrick Van Sumeren is a financial advisor with OSAIC, holding Series 63, 65, and 66 credentials and over 35 years of industry experience. He previously worked at Spc and Sigma Financial Corporation before joining OSAIC in 2023. Outside of his advisory role, he serves on multiple committees and boards related to Catholic education and church finance in the Diocese of Saginaw, including chairing the board of All Saints Catholic Schools. OSAIC Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes various asset-allocation tools and platforms and supports a broad range of investment strategies across discretionary and non-discretionary accounts.

Kyle Grigg is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Thrivent Financial and FinancialEdge CU. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based financial analyses and written recommendations without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Ryan Iles is a Wealth Management Advisor and managing partner with the Iles Schropp Group at Merrill Lynch Wealth Management. He has over 20 years of experience working with individuals, families, business owners, and mission-driven institutions across the United States. His expertise includes divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, retirement planning, portfolio management, and tax minimization. Ryan obtained a Bachelor's Degree from Central Michigan University and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He joined Merrill and the Iles Schropp Group in 2005 and is committed to continuing education and lifelong learning. Outside of work, Ryan resides in Saginaw Township, Michigan, with his wife and two children. He and his family are active in their community and church. Ryan's personal interests include endurance sports, boating, golf, painting, running, scuba diving, skiing, reading, traveling, and spending time with family. He participates in local professional organizations and is involved with various charitable efforts and community endeavors.

Victor Aviles is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has provided financial advisory services since 1989, focusing on supporting families, retirees, business owners, and professionals primarily in Mid-Michigan, Metro-Detroit, and nationwide. Victor specializes in areas such as college education planning, defined benefit and contribution plan consulting, legacy planning, managing new wealth, small business strategies, tax minimization, retirement income, and investment strategy for individuals and corporations. Victor holds a Bachelor of Business Administration with a major in Economics and a Master of Business Administration, both from Saginaw Valley State University. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Investments & Wealth Institute™, the Saginaw Sunrise Rotary Club, and has served in leadership roles within the community and professional organizations. Victor has also contributed to financial education by teaching finance at Saginaw Valley State University for the CFP™ certification program. Outside of his professional activities, Victor enjoys skiing, soccer, and spending time with his family. He is enthusiastic about lifelong learning and values connections through shared experiences.

Carrie Sharp is a financial advisor with Merrill in Saginaw, MI, holding Series 63 and Series 66 licenses and 27 years of industry experience. She has been with Merrill since 1999. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Katherine Wohlfeil is a financial advisor at Edward Jones in Bay City, MI, holding the CFP®, ChFC®, and Series 66 designations with six years of industry experience. She has worked at Edward Jones since 2008, including its investments division. Wohlfeil serves as the school board president for Trinity Monitor Lutheran School. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated funds, operating under a fiduciary standard.