Bryan Carroll is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2010. Prior to joining Oppenheimer, he worked at UBS Financial Services for 12 years. Outside of his advisory role, he assists with his wife's family business, Geddes Farm, and participates in a professional networking group called The Referral Exchange. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a broad range of programs and advisory services, including equity, balanced, and fixed-income portfolios, delivered on both discretionary and non-discretionary bases.

Thomas Pellerito is a Certified Financial Planner® at Hantz Financial Services, Inc. with 13 years of industry experience. He has been with Hantz Financial Services since 2012. Outside of his advisory role, he serves as Treasurer for the Jean M.R. Smith Foundation, a scholarship and charitable fund. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable organizations, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party money managers and Direct Indexing, and integrates technology solutions such as automated tax-loss harvesting and AI-assisted client data aggregation.

David Freeman is a Series 65-credentialed advisor at Hantz Financial Services, Inc. with six years of industry experience. His work history includes roles at Hantz Tax and Business and Blystone and Bailey CPA. Hantz Financial Services serves individual clients, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm provides financial planning and wealth management using ETF-based model portfolios and third-party managers, alongside retirement plan consulting and affiliated brokerage, mortgage, and insurance services.

Thomas Ladwein is a financial advisor with Hantz Financial Services, Inc. He holds a Series 66 designation and has been with the firm since 2026. His prior experience includes roles at Northwood University and several community organizations in Michigan. Hantz Financial Services serves a diverse client base, including individual and high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm employs ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and technology-driven solutions such as Direct Indexing and automated tax-loss harvesting.

Daniel Waskiewicz is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2011. He holds the Series 66 designation and operates out of Frankenmuth, MI. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a diverse range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, with a focus on strategic asset allocation, manager selection, and tailored performance reporting.

Byron Swarts is a financial advisor at Oppenheimer with 14 years at the firm and 11 years of industry experience. He holds the Series 66 designation. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, consulting, and retirement planning.

John Duchaine IV is a financial advisor with GWN Securities Inc. based in Bay City, MI. He holds the ChFC® designation and has 41 years of industry experience, including 27 years with Axa Advisors, LLC. He is also president of Duchaine Financial Consultants, LLC, focusing on fixed annuity sales and service. GWN Securities Inc. is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of advisors and offers a range of investment programs, including traditional asset allocation and legacy market-timing strategies.

Benjamin Piggott is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 designation and two years of industry experience. Prior to joining Hantz Financial Services, he worked at Bluemark Financial Advisor and held various roles in education and retail. Hantz Financial Services, Inc. serves a diverse client base including individual investors, high-net-worth households, pension and profit-sharing plans, charities, corporations, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios across various risk levels, supplemented by third-party managers and Direct Indexing, while also providing brokerage, mortgage-broker, and insurance services via affiliated entities.

Douglas Kline is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Fahnestock & Co., Inc. since 1999. Outside of his advisory work, he is a partner and landowner involved in farmland rental. Oppenheimer serves individuals, corporations, and various institutional clients with a broad range of investment programs including asset management, consulting, and retirement services. The firm manages both discretionary and non-discretionary portfolios across equity, balanced, and fixed-income strategies, and maintains custody of client assets while operating its broker-dealer and advisory businesses.

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.

Quinten Perez is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has held positions in both financial services and healthcare organizations. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm offers financial planning and portfolio management through ETF-based model portfolios and third-party money managers, combining advisory and broker-dealer activities alongside mortgage and insurance product sales.

Jayson Sacco is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63, 65, and 66 licenses and has 26 years of industry experience. His previous roles include positions at Charles Schwab & Co., Ameriprise Financial Services, Fidelity Investments, USAA Group, and other firms. Outside of advising, he hosts a weekly podcast focused on axial spondyloarthritis and writes fiction books. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on asset allocation models and internal research tools, with trades executed only upon client authorization.

Kathleen Woods is a financial advisor with Wealth Enhancement Advisory Services, LLC in Bay City, MI. She holds a Series 66 designation and has 14 years of industry experience. Her prior firms include Raymond James Financial Services and Benjamin F. Edwards & Company, Inc. Outside of her advisory role, she is involved with Seung Ni Fit Club, a fitness business. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach blending passive and active management, supported by an internal Investment Committee.

Noah Tesoro is a CFP® and Series 66-licensed financial advisor at Hantz Financial Services, Inc. in Bay City, MI, with nine years of industry experience. He has been with Hantz Financial Services since 2017 and previously worked at Saginaw Valley State University and Delta College Fitness & Recreation. Hantz Financial Services, Inc. serves a diverse clientele including individual, high-net-worth, pension, charitable, corporate, and business owner clients. The firm provides financial planning, portfolio and wealth management primarily through ETF-based model portfolios supplemented by third-party managers, using an asset-allocation framework with periodic rebalancing and automated tax-loss harvesting where applicable.

Nicholas Toth is a financial advisor at Hantz Financial Services, Inc. in Bay City, MI, with six years of industry experience. He holds the Series 66 designation and has worked at Hantz Financial Services since 2019. His background includes positions at Quicken Loans and Kasco Construction, as well as experience at Grand Valley State University. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm utilizes ETF-based model portfolios supplemented by third-party money managers and employs a combination of advisory, brokerage, mortgage, and insurance services.

Jody Komyathy is a financial advisor with Empower Advisory Group in Saginaw, MI, holding Series 65 and Series 66 credentials and bringing 24 years of industry experience. Prior to joining Empower, Komyathy held roles at GWFS Equities, Advised Assets Groups, Cetera Advisor Networks, Turner Boelher and Associates, Voya Financial Advisors, CoreCap Investments, and Mannor Financial Group. Komyathy serves on the board of the Underground Railroad, a nonprofit that provides emergency shelter services to victims of domestic violence. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering financial planning and investment management integrated with Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns and savings rates, providing both point-in-time financial plans and optional managed account solutions.

Matthew Koch is a financial advisor with Centaurus Financial, Inc., holding Series 63, 65, and 66 credentials and 39 years of industry experience. He has been with Centaurus Financial since 2001. Koch serves as a Tuscola County Commissioner and is involved with AFLAC insurance policies as a registered principal. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements.

Jacob Arnold is a financial advisor with Transamerica Financial Advisors, holding a Series 66 credential and bringing one year of industry experience. His background includes roles at Marshalls, World Financial Group Insurance Agency, Colonial Life, and Equitable Advisors. Transamerica Financial Advisors serves a diverse 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 fee-based wrap programs, model portfolios, and access to third-party money managers.

Kevin Shanks is a financial advisor with SPC, holding the ChFC® designation and Series 63 and 65 licenses, and has 25 years of industry experience. He has been associated with Parkland Securities, LLC and SPC since 2016. Outside of his advisory role, Shanks serves as a school board member for the Swan Valley School District and is president of the Swan Valley Athletic Association, a local nonprofit supporting student athletes. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm supports a large network of advisors and offers tailored, discretionary investment advice primarily through Fidelity/NFS custodial platforms.

Rola Zarife is a Series 66-licensed financial advisor at Transamerica Financial Advisors with 13 years of industry experience. She previously worked at J.P. Morgan Securities LLC and Merrill, and is involved in various health insurance agencies and community organizations. Zarife also participates in local business development and political campaigning activities. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services utilizing proprietary and third-party investment models, with a focus on offering discretionary and non-discretionary program options.