Olivia Zwetzig is a CFP® and holds a Series 66 license, with three years of industry experience. She has worked at Edward Jones since 2022 and previously spent a year at Common Sail Investment Group and 15 years at Dow Chemical Company. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Richard Nelsen is a financial advisor with Cetera, holding the CFP® and Series 66 credentials and bringing 19 years of industry experience. He has been associated with Cetera since 2009 and previously operated his own financial planning and tax-related businesses. Outside of his advisory work, Nelsen serves as co-chairman of a local high school reunion committee. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, employer-sponsored, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting advisers with various program options and access to affiliated and unaffiliated investment managers.

Andrew Zietz is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and 20 years of industry experience. He has been with Thrivent Financial for Lutheran and Thrivent Investment Management since 2005. Outside of his advisory role, he is a one-third owner of SLIM Holdings, LLC, a property holding company in Frankenmuth. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning focused on various financial topics without discretionary trading authority, combining planning with managed-account programs under a consolidated billing option.

James Munn is a financial advisor with Cambridge Investment Research Advisors in Bay City, MI, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Cambridge since 2010 and serves as an independent insurance agent through Valley United Insurance Agency. Munn also operates Munn Farm, which sells eggs locally. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Michele Valentine Dobschensky is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has worked at Raymond James since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of services such as financial planning, non-discretionary investment consulting, and municipal advisory services.

William Irish is a financial advisor with LPL Financial in Saginaw, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has maintained a long-term association with LPL Financial since 1996 and has operated Irish & Associates since 1970 and Projected Planning Inc. since 1986. Outside of his advisory role, he is involved in selling fixed life insurance through his independent business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement consulting, and brokerage, supported by both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Wendy Mueller is a financial advisor with Ameriprise in Bay City, MI, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Her career includes tenure at Ameriprise since 2017, as well as previous roles at LPL Financial, The Huntington Investment Company, and FirstMerit Bank. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notably offering a Premier Retirement Income service that provides customized retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Frank List is a financial advisor with Equitable Advisors in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he is approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored financial solutions.

Steven Masker is a financial advisor with LPL Financial in Frankenmuth, MI, holding a Series 66 credential and 21 years of industry experience. He previously worked at Sigma Financial Corp for 13 years and has been associated with Frankenmuth Credit Union since 2005. Masker is involved in investment-related activities at Frankenmuth Credit Union and serves as a life and health insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party subadvisors.

Michael Southgate is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with 16 years of industry experience, all with Edward Jones since 2010. Outside of advising, he is involved as treasurer and co-owner of Pine Island Association LLC and owns Pine Island Design LLC, a design studio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs under a fiduciary standard.

Michael Wegener is a financial advisor with Raymond James & Associates, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 28 years of industry experience, previously working at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2018. Raymond James & Associates is a large 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 and non-discretionary investment consulting supported by extensive research and a variety of portfolio management styles.

Todd Arner is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and previously spent five years with VOYA Financial Advisors. Arner is also an independent insurance agent and serves as vice president and board member of Westchester Village in Saginaw, MI. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a broad range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using various platform arrangements and both proprietary and unaffiliated investment strategies.

Zachary Christensen is a CFP®-certified financial advisor with Edward Jones in Bay City, MI, where he has worked since 2017. He has eight years of industry experience, including prior roles at Tyin' and Flyin' LLC and The Dow Chemical Company. Outside of his financial advisory work, he has been involved with the Bay Area Soccer Association. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Bruce Falcon is a financial advisor at Osaic with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including The O.N. Equity Sales Company, Pruco Securities LLC, and Ohio National Financial Services. Outside of his advisory role, Falcon is involved in several community and entrepreneurial activities, serving on nonprofit boards for a music and film festival and an outdoor beer garden, competing as a professional bowler, and co-owning a portable restroom leasing business. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers a range of brokerage and advisory services and employs asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Lee Miller is a CFP® professional with 27 years of industry experience, currently serving at Raymond James & Associates since 2018. Prior to this, he worked at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2018. He is involved as Treasurer of the Michigan Lutheran Seminary Foundation and serves as Secretary and Director on the board of a local brewery in Bay City, MI. 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 municipalities, offering financial planning, investment consulting, and municipal advisory services with a range of portfolio management styles and affiliated research.

Collin Reinert is a financial advisor with LPL Financial in Frankenmuth, MI, holding a Series 66 designation and two years of industry experience. His work history includes roles at Frankenmuth Credit Union and Central Michigan University, as well as experience in the food industry with Kern's Sausage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches.

Lawrence Brethauer is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Outside of his advisory role, he serves as the unpaid president of Friends of Hoyt Park. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Spencer Schneider is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior roles include positions at United Wholesale Mortgage and Sorrento Pacific Financial, among others. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Gregory Johnson is a financial advisor at Ameriprise with 22 years of industry experience. Prior to joining Ameriprise in 2025, he worked at Hantz Financial for over two decades. He holds Series 63 and Series 65 credentials. Outside of his advisory work, he serves on the Board of Directors for the Highland Woods Association in Bay City, MI. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Friebe is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2008. Outside of his advisory role, he serves as Vice Chairman of Trinity Lutheran Church and is a member of the Board of Directors for the Bay Area Women's Center. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based financial analyses and planning across multiple areas without discretionary trading authority.