John Hereza is a financial advisor with PNC Wealth Management in Saginaw, MI, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked with PNC Bank since 2010 and PNC Investments since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees. The firm uses algorithmic risk assessments to guide portfolio strategy with implementation by approved third-party managers, focusing on mutual funds and ETFs with annual rebalancing.

Manuel Sanchez is a financial advisor at Commonwealth Financial Network with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Commonwealth since 2003. Outside of his advisory work, he co-owns Sanchez Industries, Inc., which operates Baby Ellie Auto Spa, a car wash service in Saginaw, MI. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Liu Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Liu also serves as president of Synergy CPA Tax & Financial Services LLC, where he provides tax preparation, accounting services, and consulting for small businesses and individuals. His work history includes roles with Wfgia and the State of Michigan. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm employs a model portfolio and third-party manager approach, delivering services through multiple platforms such as Transamerica ONE and the TFA365 Advisory Program.

Nathan Hudson is a financial advisor with AE Wealth Management, LLC and holds the Series 66 and Series 63 licenses. He has two years of industry experience, including prior roles at Bankers Life Advisory, Bankers Life Securities, Inc., and Bankers Life & Casualty, Inc. Before entering the financial sector, his work history includes positions in various service and retail roles. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a broad range of clients, including individuals, corporations, trusts, and ERISA plan sponsors. The firm employs discretionary model portfolios and a combination of fundamental, technical, and cyclical investment strategies, operating at scale with a significant client base and a platform-focused approach.

Grayson Miller is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 designation and one year of industry experience. His prior work includes roles at Aptiv, Arbor Research and Trading, and United Wholesale Mortgage. Hantz Financial Services, Inc. is an enterprise investment adviser and broker-dealer managing approximately $10 billion in client assets. The firm serves individual investors, corporate clients, and retirement plan sponsors through diversified, ETF-centered model portfolios and offers a range of wealth management, financial planning, and retirement consulting services.

Jonathon Chapman is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, holding the ChFC® designation and Series 63 license with 34 years of industry experience. He has been with Hantz Financial Services since 1999 and has a concurrent affiliation with Ray Miller Jr. since 1991. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, and offers a range of financial planning, portfolio management, and fiduciary services supported by affiliated banking, tax, and consulting businesses.

Bryan Carroll is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Oppenheimer & Co since 2010. He is based in Saginaw, MI, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he assists with his wife's family farming business and participates in a professional networking group called The Referral Exchange. Oppenheimer serves a diverse client base, including individuals, corporations, pension plans, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic and tactical asset allocation, manager selection, and various investment vehicles, with a notable emphasis on both discretionary and non-discretionary management programs.

Joshua Anders is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Bankers Life Advisory Services since 2020 and has been affiliated with Bankers Life and its related entities since 2007. Outside of his advisory role, Anders serves as a Player Agent for the North Saginaw Township Little League, organizing player registration and team assignments. Bankers Life Advisory Services provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a blend of fundamental and technical analysis to guide investment decisions.

Emily Glaza is a CFP® professional with 24 years of experience in financial advising, currently serving at Hantz Financial Services, Inc. since 2001. She holds Series 63 and Series 65 licenses and is based in Saginaw, MI. Outside of her advisory role, she volunteers as a coach for the Nouvel/Freeland School Trap and Skeet Team and serves on the board of 1in6 Support Group, which provides support to parents of children with disabilities. Hantz Financial Services serves a diverse client base including individuals, charitable organizations, businesses, and retirement plan sponsors, offering financial planning, wealth management, and fiduciary services. The firm employs model-driven ETF strategies and provides access to alternative investments and direct indexing, supported by a parent company structure with affiliated banking, tax, consulting, insurance, and mortgage businesses.

Johnny Martinez Jr. is a financial advisor with Commonwealth Financial Network in Saginaw, MI, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Commonwealth Financial Network since 2009. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including wealth management and retirement plan consulting, while providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

David Winn is a financial advisor with Transamerica Financial Advisors in Bridgeport, MI, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at Transamerica Financial Advisors since 2014 and was previously with BNI from 2017 to 2021. Winn also operates Winn Financial Services, where he provides accounting, bookkeeping, and tax preparation services for individuals and small businesses. Transamerica Financial Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, featuring proprietary and third-party model portfolios with discretionary and non-discretionary options.

Joshua Funsch is a CFP®-certified financial advisor with over 22 years of experience, currently with Hantz Financial Services, Inc. in Saginaw, MI, where he has worked since 2003. He holds Series 63 and Series 65 licenses. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs a model-driven ETF investment approach complemented by separately managed accounts, unified managed accounts, and access to alternative investments, supported by affiliated entities offering trust, tax, business consulting, insurance, and mortgage services.

Starrlin Heuschele is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds the Series 66 designation. Prior to joining Hantz Financial Services, he worked at several companies including Sams Club and Links of Novi. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer serving individual investors, corporate clients, and retirement plan sponsors with roughly $10 billion in assets under management. The firm emphasizes diversified, ETF-centered model portfolios and offers a broad range of financial services including wealth management, retirement consulting, mortgage brokerage, and insurance through affiliated agencies.

Ryan Neil is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, with 24 years of industry experience. He holds Series 63 and Series 65 designations and has been with Hantz Financial Services since 2000. Outside of his advisory role, he serves as an officer and director for Nouvel Catholic Central Elementary Athletics, assisting with budget decisions for the school's athletic programs. Hantz Financial Services serves individual investors, charitable organizations, corporate clients, and retirement plan sponsors, offering financial planning, portfolio and wealth management, and retirement-plan advisory services. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, supported by in-house tax, business consulting, and affiliated insurance and mortgage services.

Sheri Turek is a financial advisor with The Huntington Investment Company, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes roles at Infinex Investments, Flagstar Bank, and Fifth Third Securities. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other entities with advisory and brokerage services. The firm uses an open-architecture model combining third-party Sub-Managers and Wrap Strategists with affiliate Private Bank offerings and sponsors multiple wrap-fee programs on the Envestnet MAS platform.

Jody Komyathy is a financial advisor with Empower Advisory Group in Saginaw, MI, holding Series 65 and Series 66 credentials and 24 years of industry experience. His prior roles include positions at GWFS Equities, Advised Assets Groups, Cetera Advisor Networks, Turner Boelher and Associates, Voya Financial Advisors, CoreCap Investments, and Mannor Financial Group. He serves on the board of the Underground Railroad, a nonprofit providing emergency shelter services to victims of domestic violence. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients, offering an integrated model linked to Empower’s recordkeeping and administrative platforms.

Jonathan Hansen is a financial advisor at Fifth Third Securities, Inc. in Midland, MI, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has been with Fifth Third Securities since 2008 and has worked at Fifth Third since 2007. Fifth Third Securities provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options, including advisor-directed models and separately managed accounts, and is notable for its combination of municipal-advisor registration and affiliation with Fifth Third Bank.

Samuel Brushaber is a financial advisor at Hantz Financial Services, Inc. with eight years of industry experience. He holds the Series 66 designation and has worked at Hantz Financial Services since 2017, following a brief tenure at Chemical Bank and a position at Albion College. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer serving individual investors, corporate clients, and retirement plan sponsors. The firm manages approximately $10 billion in assets through a multi-advisor platform and offers diversified, ETF-centered model portfolios alongside financial planning, wealth management, and retirement consulting services.

Luke Suminski is a financial advisor with AE Wealth Management, LLC, holding Series 66 and Series 63 registrations and possessing 11 years of industry experience. His prior roles include positions at Oppenheimer & Co and Thrivent Financial. Outside of his advising duties, he serves in several community roles, including as past president of Muth United FC, vice chairman of the Ascension St. Mary's Foundation, and a voting member of the Frankenmuth City Economic Development Company. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio management supported by a broad platform and serves a large number of clients through standardized investment models and advisory services.

Nolan Mcintosh is a Series 65-licensed financial advisor with eight years of experience, currently affiliated with AE Wealth Management, LLC since 2019. He is also a partner at Focus Wealth Planning, LLC, where he provides legacy planning services. His prior work includes roles at Functional Advantage and Brokers Financial, as well as nearly a decade at Evergreen Physical Therapy. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that integrates internally managed, third-party, and advisor-managed models.