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.

Shelley Norris is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has previously worked at LM Kohn, Bank of America, and Merrill. Norris serves as a board trustee for SVRC Industries, an organization that employs and supports individuals with disabilities. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base that includes individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

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 financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and 12 years of industry experience. Her background includes roles at J.P. Morgan Securities LLC and various health insurance agencies, as well as business development and community involvement through organizations such as the Southeast Michigan Chamber of Commerce and a political campaign committee. She is also engaged in health insurance sales and operates her own LLC focused on health-related services. Transamerica Financial Advisors serves a diverse client base with investment advisory, brokerage, and retirement-plan services, utilizing model portfolios and third-party managers across multiple platforms to deliver its offerings.

Zachary Maddox is a financial advisor at Bankers Life Advisory Services, Inc. with one year of industry experience. He holds the Series 66 designation and has prior experience with Bankers Life Securities and Banker's Life and Casualty. Outside of advising, he is licensed as an insurance agent. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs fundamental, technical, and cyclical analysis to create customized investment strategies aligned with clients’ goals and risk tolerances.

Thomas Heslip is a financial advisor at Hantz Financial Services, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining Hantz Financial Services, he worked at Zehnders and Mercy Plus Care. Hantz Financial Services, Inc. is an enterprise advisory firm managing approximately $10 billion in client assets. It serves individual investors, corporate clients, and retirement plan sponsors using diversified, ETF-centered model portfolios and offers services including financial planning, portfolio management, retirement consulting, mortgage brokerage, and insurance through its affiliated agencies.

Zhi Hong Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has a diverse background including roles at General Motors and V2soft Inc, and he owns an acupressure massage and reflexology business. Liu also works as a quality engineer in automotive manufacturing. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individual investors, employer-sponsored retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers through multiple platforms such as Transamerica ONE and TFA365, managing approximately $1.7 billion in assets under management.

David Abbs is a CFP® with 44 years of industry experience, currently serving as an investment advisor at CWM, LLC. He has previously worked at LPL Financial and Cetera Wealth Services. Outside of his advisory role, he is involved in several local organizations, including serving as a board member for the 100 Club of Saginaw County and secretary of the Foundation Board of Saginaw Valley State University. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, and institutions through over 600 advisors. The firm provides portfolio management, financial planning, and retirement services, utilizing model portfolios and a combination of fundamental and technical analysis supported by third-party sub-advisors and customization tools.

Daniel Nelson is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has been with Hantz Financial Services since 2014. 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 expanded implementation capabilities through affiliated banking, tax, consulting, insurance, and mortgage businesses.

Fred Carter is a financial advisor with Commonwealth Financial Network in Saginaw, MI, holding Series 63 and Series 66 credentials and 38 years of industry experience. He has been with Commonwealth since 2003. Outside of advisory work, he is a co-owner of Carter Soap, a local business in Saginaw, MI. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment options, while providing operations, trading, technology, compliance, and practice-management support to affiliated advisors.

Michael Stelter is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and over 40 years of industry experience. He has been with Hornor, Townsend & Kent since 1987 and has a longstanding affiliation with Penn Mutual Life Insurance since 1984. Outside of his advisory role, Stelter owns and operates a life insurance brokerage business. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services to provide custody, execution, brokerage, and investment advice through a platform that includes third-party asset managers and both discretionary and non-discretionary account options.

Weston Powell is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, with four years of industry experience. Prior to joining Hantz Financial Services, he worked at Northwood University and has held roles in both educational and retail settings. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer managing approximately $10 billion in client assets. The firm serves individual investors, corporate clients, and retirement plan sponsors through a multi-advisor platform, offering services including financial planning, portfolio management, and retirement consulting with an emphasis on diversified, ETF-centered model portfolios.

Wendy Shannon is a financial advisor with Wealth Enhancement Advisory Services, LLC in Saginaw, MI, holding a Series 66 designation with 10 years of industry experience. Her prior experience includes roles at L.M. Kohn & Company and Edward Jones. Outside of advising, she owns Michigan Patchwork Studio, which sells sewn crafts and quilts, and participates seasonally as an ornament personalizer at Bronner’s Christmas Wonderland. Wealth Enhancement Advisory Services offers financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm employs a diversified investment approach combining passive and active managers and provides multiple program options supported by an internal Investment Committee.

Carly Wieland is a CFP® and ChFC® with two years of experience in the financial advisory industry. She is currently with CWM, LLC and previously worked at Carson Wealth and Abbs Retirement Planning Advisors. Prior to her advisory roles, Wieland held positions at Nexteer Automotive, Saginaw Valley State University, and Dow Chemical. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, typically managing discretionary accounts using model portfolios governed by an in-house Investment Committee.

Clayton Funnell is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, holding a Series 66 designation with 15 years of industry experience. He has been with Hantz Financial Services since 2010. 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, wealth management, and fiduciary services supported by affiliated banking, tax, and consulting entities.

Jacquelyn Korpal Beyer is a financial advisor at Empower Advisory Group with two years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Empower, she worked at J.P. Morgan Securities LLC and PNC Financial Group. Outside of finance, she has operated Jacqui B's Greenhouse for over 20 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as certain IRA and retail brokerage clients. The firm’s services integrate financial planning with recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Ryan Brown is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, holding Series 63 and Series 66 licenses with 17 years of industry experience. He has been with Hantz Financial Services since 2010. 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 supplemented by separately managed and unified managed accounts, and offers expanded implementation capabilities through affiliated entities such as a state-chartered trust bank and in-house tax and business consulting services.

Jeffrey Sieffert is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Bankers Life Securities since 2016 and has worked at BANKERS LIFE since 1998. In addition to his advisory role, he serves as a unit field trainer recruiting and training insurance agents. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, periodic rebalancing, and a mix of fundamental, technical, and cyclical analysis to guide investment decisions.

Kelly Neil is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, holding a Series 66 designation with 19 years of industry experience. He has been with Hantz Financial Services since 2008. 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 supplemented by separately managed accounts and offers a range of financial planning, wealth management, and fiduciary services.

Linda Collier is a financial advisor with PNC Wealth Management based in Saginaw, MI, holding Series 63 and Series 66 credentials and 23 years of industry experience. Her prior work includes roles at Merrill and Bank of America. She has been with PNC Investments since 2017. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary, invitation-only digital portfolio platform that uses algorithmic risk assessment and invests in approved mutual funds and ETFs with annual rebalancing.