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 with Hantz Financial Services, Inc. He holds a Series 66 designation and has two years of industry experience. His prior work includes positions at Zehnders, Mercy Plus Care, and Northwood University. Hantz Financial Services, Inc. serves a diverse client base including individual investors, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm emphasizes ETF-based model portfolios supported by third-party managers and technology-driven solutions, combining advisory, brokerage, mortgage, and insurance services within an enterprise structure.

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.

David Abbs is a CFP® with 44 years of industry experience, currently serving as a financial professional at Carson Wealth. His prior experience includes positions at LPL Financial, Cetera Wealth Services, LLC, and KFA Partners, LLC. Abbs is involved in community service as a board member of the 100 Club of Saginaw County and holds leadership roles on several nonprofit boards, including serving as secretary of the Foundation Board of Saginaw Valley State University and treasurer of the Kochville Township Downtown Development Community. Carson Wealth is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing committee-driven model portfolios and tailored investment solutions that include alternative investments and third-party sub-advisors.

Daniel Nelson is a financial advisor at Hantz Financial Services, Inc. in Saginaw, MI, with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Hantz Financial Services since 2014. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across various risk levels, supplemented by third-party managers and unified managed accounts, and integrates technology platforms such as Direct Indexing and AI-assisted data aggregation.

Fred Carter is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has been with Commonwealth since 2003. Outside of his advisory work, he is a co-owner of Carter Soap, a business based in Saginaw, Michigan. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 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.

Peter Bender is a CFP®-designated financial advisor with 24 years of industry experience. He is currently with Cetera Planning Partners and has held prior roles at various firms including Avantax Investment Services and Yeo & Yeo Wealth Management. Outside of his advising duties, Bender serves as Executive Director of the St. Lorenz Church Foundation and holds several board and trustee positions with nonprofit and community organizations. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm’s approach includes diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll, and estate planning through third-party providers.

Weston Powell is a CFP® with four years of industry experience, currently serving at Hantz Financial Services, Inc. in Saginaw, MI since 2022. His prior work history includes roles in education and retail, including positions at Northwood University and Zehnder's of Frankenmuth. Hantz Financial Services, Inc. serves a diverse client base, including high-net-worth individuals, pension plans, and business owners. The firm employs ETF-based model portfolios supplemented by third-party managers and uses technology-driven solutions such as tax-loss harvesting and AI-assisted data aggregation.

Wendy Shannon is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at L.M. Kohn & Company, Edward Jones, and Morgan Stanley. Outside of her advisory work, she owns Michigan Patchwork Studio, where she sews crafts and quilts for sale at shows, and she also works seasonally as an ornament personalizer at Bronners Christmas Wonderland. Wealth Enhancement Advisory Services manages over $122 billion in assets and offers financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm utilizes a diversified, risk-class based investment approach that incorporates both passive and active managers, with portfolio oversight provided by an internal Investment Committee.

Carly Wieland is a CFP® and ChFC® operating with Carson Wealth and CWM, LLC, holding two years of industry experience. Her prior roles include positions at Abbs Retirement Planning Advisors, Nexteer Automotive, Saginaw Valley State University, and Dow Chemical. CWM, LLC is an SEC-registered investment adviser that manages approximately $50.6 billion through a network of more than 650 advisors. The firm serves corporate, institutional, and high-net-worth clients, delivering discretionary asset management and financial planning with model portfolios overseen by an Investment Committee using both fundamental and technical analysis.

Clayton Funnell is a financial advisor at Hantz Financial Services, Inc. with 16 years of industry experience. He holds the Series 66 designation and has been with Hantz Financial Services since 2010. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, and business owners. The firm offers financial planning and wealth management through ETF-based model portfolios across multiple risk levels, complemented by third-party managers and technology-driven solutions such as automated tax-loss harvesting.

Ryan Brown is a financial advisor at Hantz Financial Services, Inc. in Saginaw, Michigan, with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Hantz Financial Services since 2010. 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 Direct Indexing, while combining advisory, broker-dealer, mortgage, and insurance activities.

Jeffrey Sieffert is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 13 years of industry experience. He has worked at Bankers Life and its affiliated entities since 1998, including a decade at Bankers Life Securities, Inc. In addition to his advisory role, he serves as a Unit Field Trainer, recruiting and training insurance agents. 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 services. The firm employs a combination of fundamental, technical, and cyclical analysis to create customized portfolios aligned with clients’ goals and risk tolerances.

Kelly Neil is a financial advisor with Hantz Financial Services, Inc. in Saginaw, MI, holding a Series 66 designation and 19 years of industry experience. He has worked with Hantz Financial Services since 2008 and was previously associated with Wells Fargo Clearing in 2007. Hantz Financial Services serves a diverse client base, including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm provides financial planning, portfolio and wealth management through ETF-based model portfolios and third-party SMA strategies, alongside retirement plan consulting and brokerage, mortgage, and insurance services via affiliated entities.

Linda Collier is a financial advisor with PNC Wealth Management in Saginaw, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Citizens Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital, discretionary model account available via an invitation-only employee pilot. The firm utilizes algorithm-driven investment strategies with portfolio implementation and oversight delegated to third parties.

William Bates is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials, and has 43 years of industry experience. His career includes long tenures at Royal Alliance Associates, BBCM Financial Services, and the Professional Affiliation Program, along with work as an independent insurance agent. Bates’s business activities include ongoing involvement in non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

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.

Michael Elliott serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he focuses on connecting all aspects of clients' financial lives to help prioritize and pursue their most important financial goals. His approach involves working closely with clients to develop personalized plans tailored to their unique ambitions. Michael holds the Chartered Retirement Planning Counselor (CRPC) designation and completed his high school education at Saginaw High School. His work encompasses areas such as planning for education funding, retirement lifestyles, health care costs, and long-term family goals, emphasizing simplicity and transparency throughout the wealth planning process.

Charisse Veresh is a financial advisor at Ameriprise with nine years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Raymond James & Associates and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ashlee Miller is a financial advisor with Morgan Stanley in Saginaw, MI, holding a Series 66 designation and having 10 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and modeling techniques.