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 at Cambridge Investment Research Advisors with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2010. Outside of advising, he operates an independent insurance agency and is involved in a family farming enterprise selling eggs. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base, offers multiple account platforms, and develops proprietary model strategies under the Founders Gate Capital brand.

Michele Valentine Dobschensky is a financial advisor with Raymond James & Associates in Bay City, MI, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has worked at Raymond James since 2018 and previously spent two years with Wells Fargo Clearing. 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 clientele including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

William Irish is a financial advisor with LPL Financial in Saginaw, MI, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with LPL Financial since 1996 and is also associated with Projected Planning Inc. and Irish & Associates, the latter of which he has operated since 1970. Outside of advisory work, he is involved in selling fixed life insurance through Irish & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment strategies including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

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, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He is approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Steven Masker is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Sigma Financial Corp for 13 years and Frankenmuth Credit Union for over two decades. Masker also serves as a relationship manager for a credit union trust and is an agent for life and health insurance. 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 institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary research and third-party strategies.

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.

Joseph Shaver is a CFP® with 19 years of industry experience. He is currently with Ameriprise Financial Services LLC and previously worked for Thrivent Financial for Lutherans and Thrivent Investment Management Inc. for 18 years. He serves as President on the Board of Directors for the Peace Lutheran Church and School Foundation in Saginaw, MI. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm integrates internal research, third-party data, and algorithmic tools to provide tailored planning within defined enrollment criteria and its affiliated investment ecosystem.

Todd Arner is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 designations. He has 26 years of industry experience, including prior roles at VOYA Financial Advisors and PNC Wealth Management. Arner is also president of Arner Investment Management, LLC, and serves as a board member and vice president of Westchester Village in Saginaw, MI. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and offers access to multiple platforms, proprietary model strategies, and unaffiliated third-party advisers.

Zachary Christensen is a financial advisor with Edward Jones in Bay City, MI, holding CFP® and Series 66 credentials and bringing nine years of industry experience. Before joining Edward Jones in 2017, he worked at Tyin' and Flyin' LLC and The Dow Chemical Company. Outside of his advisory role, he is involved with Triple C LLC, a business focused on buying and reselling collectibles and equipment. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets and offers a wide range of advisory programs, investment strategies, and affiliated services through a nationwide network of financial advisors and branch offices.

Bruce Falcon is a financial advisor at Osaic Wealth with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including The O.N. Equity Sales Company, Pruco Securities LLC, and Ohio National Financial Services. Outside of finance, Falcon is active in the arts and community events as an actor and board member of the Hell’s Half Mile Music and Film Festival and the Drydock Beer Garden. He is also a professional bowler and co-owner of a company leasing portable upscale restrooms. Osaic Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation, portfolio optimization, and offers a range of investment programs supported by both proprietary and third-party management strategies.

Lee Miller is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2018. He previously worked at Wells Fargo Clearing from 2016 to 2018. Outside of his advisory role, Miller serves as treasurer for the Michigan Lutheran Seminary Foundation and is a director and secretary on the board of the TriCity Brewing Company. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides services to individuals, institutional clients, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Collin Reinert is a financial advisor with LPL Financial based in Frankenmuth, MI, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at Frankenmuth Credit Union and Central Michigan University, as well as five years at Kern's Sausage. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive advisor tools and a broad non-advisory financial services platform.

Lawrence Brethauer is a financial advisor with Equitable Advisors in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and serves as president of Friend of Hoyt Park, a community organization. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and various advisory programs, focusing on personalized risk assessment and tailored investment models.

Joseph Maier Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His background includes roles in education at Saginaw Valley State University, Alma College, John Glenn High School, and Christa McAuliffe Middle School prior to entering financial services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Spencer Schneider is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. His previous roles include positions at Sorrento Pacific Financial, Thumb Bank & Trust, and United Wholesale Mortgage. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from 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.