William Bates is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Royal Alliance Associates, Professional Affiliation Program, BBCM Financial Services, and operated as an independent insurance agent. His outside business activities include non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and model portfolio management, supported by research from LPL Research and third-party subadvisors.

Noah Ferrio is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has worked with CUNA Brokerage Services and Cuna Mutual Group since 2015 and joined LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

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 is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on connecting clients to the people, planning, and processes that align with their unique financial ambitions. Michael works closely with clients to help them plan and fund children’s education, prepare for retirement and potential healthcare expenses, and develop personalized strategies aimed at achieving long-term family goals. Michael holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned his High School Diploma from Saginaw High School. His approach emphasizes simplicity and transparency in wealth planning, ensuring clients feel confident and informed throughout the process. As a Merrill advisor, Michael prioritizes integrating all aspects of a client’s financial life to focus on the goals that matter most.

Charisse Veresh is a financial advisor at Raymond James & Associates with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors, LLC. 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 municipal advisory services.

Lynn Gehoski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 38 years of industry experience. She has worked at Raymond James since 2018, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 high-net-worth individuals, institutions, and public entities, and offers financial planning and consulting services with a nondiscretionary approach supported by firm research and a variety of portfolio management strategies.

Ashlee Miller is a Series 66-credentialed financial advisor with Morgan Stanley in Saginaw, Michigan, where she has worked since 2014. She has nine years of experience in the industry with a focus on wealth management. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs and tailored financial planning supported by firm-approved tools and structured discovery processes.

Anthony Mitus is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley in 2022, he worked for The Dow Chemical Company for eleven years. He holds the Series 66 designation and serves on the Investment Committee of the Catholic Community Foundation of Mid-Michigan. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery tools and broad investment capabilities.

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 in Frankenmuth, MI, holding Series 63, 65, and 66 credentials and 19 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Frankenmuth Credit Union and Sigma Financial Corp. Bellsky is also an agent for fixed annuities at the Investment Center located within Frankenmuth Credit Union. 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 diversified advisory programs, financial planning, retirement consulting, and brokerage services supported by proprietary and third-party research and technologies.

Clint Bauschatz is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank since 2005. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Steven Witten is a financial advisor with Charles Schwab in Saginaw, Michigan, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Schwab in 2018, he worked for Tri-Star Trust Bank from 2013 to 2018. Outside of his advisory role, he is involved in a family automotive repair business and serves on the board of a local nonprofit field and stream club, where he chairs a youth sports committee. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services with a predominantly non-discretionary client relationship model.

Tammy Witzgall is a financial advisor at Merrill with 26 years of industry experience. She holds a Series 63 designation and has been with Merrill Lynch Pierce Fenner Smith, Inc. since 1998. Outside of her advisory role, she is a 50% owner of Discount Glass LLC, a business involved in auto sales, body work, and mechanical services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Jesse Lillard is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Saginaw, Michigan. He specializes in assisting successful professionals, business owners, and families during significant financial transitions, including retirement preparation, career changes, managing new wealth, and business succession planning. Jesse’s approach involves organizing financial lives through disciplined planning that transforms complexity into clear, actionable steps aligned with clients’ goals and values. Jesse holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree, Cum Laude, from Wayne State University. He is also a member of the Midland Noon Rotary Club. Outside of his professional work, Jesse enjoys camping, cooking, fishing, football, golfing, hiking, horseback riding, music, traveling, and spending time with his family.

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.

Sara Rabideau is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2002. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Garl is a financial advisor with LPL Financial in Freeland, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he has experience as an agent for group health plans and sells various insurance products including life, health, disability, and long-term care. 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 financial planning and advisory services, including retirement plan consulting and model portfolio management, with access to research from internal and third-party sources.

William Dijak is a CFP® professional with 29 years of experience in the financial industry. He is currently with OSAIC Wealth Inc and has held roles at The Graczyk-Dijak Financial Group, Harbour Investments, Inc, and NEXT Financial Group, Inc. Outside of his advisory work, he serves as an assistant basketball coach at Bay City Western High School. OSAIC Wealth Inc. serves a diverse range of clients including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that may include a variety of investment types managed on both discretionary and non-discretionary bases.