Zhi Hong Liu is a financial advisor at Transamerica Financial Advisors with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in both the automotive manufacturing sector and acupressure massage and reflexology services. Liu has been with Transamerica Financial Advisors since 2012. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers a range of advisory and brokerage services through proprietary and third-party model portfolios, operating as both a registered broker-dealer and registered investment adviser.

Jacquelyn Korpal Beyer is a financial advisor at Empower Advisory Group with two years of industry experience. She holds the Series 66 and Series 63 designations. Prior to joining Empower, she worked at J.P. Morgan Securities LLC and PNC Financial Group. Outside of her advisory role, 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 their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Caleb Christe 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, Caleb worked in roles at Nexteers Automotive and various educational institutions. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and technology-driven solutions.

Andrew Schiefer is a financial advisor at Hantz Financial Services, Inc. in Bay City, Michigan, with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Hantz Financial Services since 2001. Hantz Financial Services serves a broad range of clients including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm uses ETF-based model portfolios alongside third-party money managers and other investment strategies, combining advisory, broker-dealer, mortgage, and insurance services.

Daniel Alarie is a financial advisor at Hantz Financial Services, Inc. in Bay City, MI, holding a Series 65 designation with eight years at Hantz and two years of industry experience. Prior to his advisory career, he operated G's Pizzeria & Deli for 13 years. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management through ETF-based model portfolios supplemented by third-party managers, using an asset-allocation framework and technology-driven trade execution and tax-loss harvesting.

Patrick Nelson is a CFP® professional at Hantz Financial Services, Inc. in Bay City, MI, with 19 years of industry experience, all with his current firm. Hantz Financial Services serves a diverse range of clients, including high-net-worth individuals, pension and profit-sharing plans, charities, corporations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios supplemented by third-party managers and technology-driven solutions.

Edward Foltz is a financial advisor with Cetera in Frankenmuth, MI, holding a Series 63 designation and 28 years of industry experience. He has held roles at Cetera Advisors LLC since 2013 and has been involved with multiple financial services and insurance firms, including Rummel Benefits Group and Income Planning Services. Outside of his advisory work, Foltz participates in traditional Bavarian dance through Frankenmuth Schuhplattler LLC and serves on the board of governors for the Frankenmuth Community Foundation. Cetera Investment Advisers LLC is an SEC-registered firm offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves a diverse client base including individuals, employer-sponsored plans, corporate and charitable entities, and institutional accounts, utilizing a multi-manager platform with various discretionary and non-discretionary program options.

Matthew Leppek is a financial advisor with Edward Jones in Bay City, MI, holding a Series 66 designation and seven years of industry experience. Prior to joining Edward Jones in 2018, he worked at Wanigas Credit Union and J & J Collision. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm operates an SEC-registered advisory program with approximately $1.01 trillion in assets under management and offers a range of investment strategies, including discretionary and non-discretionary wrap fee portfolios, separately managed accounts, and affiliated mutual funds.

Lynn Gehoski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Her prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Merrill. She is based in Bay City, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, drawing on multiple portfolio management styles and affiliated research.

Eve Gunther is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She worked at Morgan Stanley & Co., Incorporated for seven years before joining Raymond James in 2021. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

David Mc Govern is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he served 27 years with the Drug Enforcement Administration. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment strategies and advisory services supported by a large national network of advisors and branch offices.

David Bellsky is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has worked at LPL Financial since 2020 and previously served at Sigma Financial Corp from 2016 to 2020. Bellsky is also affiliated with Frankenmuth Credit Union, where he acts as an agent for fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, combining scale and diverse financial services alongside its advisory platform.

Katrina Kaschinske is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and possessing 22 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of her advisory role, she serves as a Ministry Council member at St. Lorenz Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses across a broad range of financial planning topics. The firm combines planning with managed-account options under a consolidated billing system while maintaining separate planning and management services.

Coleman Staudacher is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at PGA Tour Superstore and Equitable Advisors LLC. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and a proprietary money market fund. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets with a nationwide network of over 23,000 financial advisors.

Mary Hofmeister is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Edward Jones since 1999. She holds Series 63 and Series 66 licenses. Outside of her advisory role, she is associated with Lakeside Media, a media business in Essexville, MI, which is owned by her husband. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Zachary Moulton is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. His prior roles include positions at Thrivent Financial and Thrivent Investment Management. He serves as a committee member of the Saginaw Chamber of Commerce and works as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services. The firm manages assets across multiple platforms and custodians and offers both discretionary and non-discretionary management alongside proprietary model strategies.

Kraig Pendleton is a financial advisor with Morgan Stanley, holding a Series 66 license and 18 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2014-2015. Pendleton also serves as a trustee in a trust based in Rockford, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Brian Abraham is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 20 years of industry experience, including roles at Wells Fargo Clearing prior to joining Raymond James in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and investment consulting primarily through non-discretionary relationships.

Thomas Twardecki III is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. His prior work includes roles at Home Depot, YMCA, and several educational institutions. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved tools to develop goal-based recommendations without discretionary authority.

Olivia Zwetzig is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, she worked at Common Sail Investment Group and spent 15 years at Dow Chemical Company. 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, supported by a large network of financial advisors and branch offices nationwide.