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 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, 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.

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.

Peter Bender is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Cetera Planning Partners since 2026. His prior experience includes roles at Avantax Investment Services and Yeo & Yeo Wealth Management. Bender is active in nonprofit and community organizations, holding leadership and trustee roles with entities such as St. Lorenz Lutheran Church Foundation, Camp Rotary Foundation, and Concordia Center for the Family. Cetera Planning Partners serves individual and high-net-worth clients, focusing particularly on pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment approach emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by ancillary services including tax planning, bookkeeping, and estate planning through a third-party provider.

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® 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. 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.

Jacquelyn Korpal Beyer is a financial advisor at Empower Advisory Group with two years of industry experience. She previously worked at J.P. Morgan Securities LLC and PNC Financial Group. Outside of finance, she operates Jacqui B's Greenhouse, a business she has managed since 2006. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Bradley Bach is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds a Series 66 designation and has previously worked at Cetera and Independent Bank. He is a co-owner of Shoreline Wealth Partners, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers comprehensive adviser support, including managed-account programs and access to third-party asset managers, while providing trading, reporting, and custody services.

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.

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.

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.

Andrew Schiefer is a financial advisor at Hantz Financial Services, Inc. in Bay City, MI, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been with Hantz Financial Services since 2001. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm focuses on ETF-based model portfolios, utilizing a combination of proprietary risk-based strategies and third-party managers, while integrating technology platforms for portfolio management and tax optimization.

Raymond Pape is a financial advisor with Commonwealth Financial Network and Shoreline Wealth Partners, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior work includes roles at Cetera and Independent Bank. He is a co-owner of Shoreline Wealth Partners, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, technology, investment management, compliance, and practice management.

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.