Macy Schultz is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has held previous roles at Covenant Health Care, U.P. Health Systems - Duke Life Point Health, and Manpower. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Annette McTaggart is a CFP®-certified financial advisor with 23 years of industry experience, currently affiliated with LPL Financial since 2020. She previously worked at Royal Alliance Associates, Inc. for 15 years and has maintained independent business activities including insurance agency work and tax preparation through McDonald Financial Services and McDonald & Associates, P.C. Additionally, she owns JAAD, LLC, a construction equipment rental company. 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, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research across diversified and alternative strategies.

Kevin Pieschke is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Members First Credit Union, and Axa Advisors. Outside of his advisory role, he serves as a board member for Hopevale Church, where he participates in doctrinal discussions and budgetary decisions. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Daniel Bade is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has been with Merrill since 1990 and is part of The Provenzano-Bade-Wood Group, a team with over 130 years of combined experience in the financial services industry. Daniel's work focuses on helping clients pursue their financial goals through a client-centered, goals-based investment approach, covering areas such as divorce transition planning, family wealth management, personal retirement planning, philanthropic planning, and portfolio management services. Daniel holds a B.A. in Marketing with minors in Accounting and General Business from Western Michigan University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for four consecutive years from 2022 to 2025. Active in his community, Daniel serves as Co-Chair of the Frankenmuth Rotary Helping Hands Committee Fund, Chairman of the Frankenmuth Fondo bicycle race, and a Board Member for the St. Lorenz Foundation. He is an active member of St. Lorenz Lutheran Church in Frankenmuth. Daniel resides in Frankenmuth with his wife and enjoys biking, fishing, golfing, reading, running marathons, spending time with his family, and traveling.

Justin Herbolsheimer is a financial advisor at Edward Jones with 16 years of industry experience. He has held his current role at Edward Jones since 2009 and holds the Series 66 designation. Outside of his advisory work, he operates a small farm in Bay City, MI, where he farms pumpkins each fall. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

James Tillman Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at CUNA Mutual Group, JP Morgan Securities LLC, and Firstmerit Bank. Outside of financial advising, he has been the owner of The Pancake Man, a small business in Saginaw, MI, since 1995. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Joseph Reyes is a financial advisor with J.P. Morgan Securities, holding Series 63, Series 65, and Series 66 licenses and bringing 15 years of industry experience. He has worked with various JPMorgan entities since 2015, including J.P. Morgan Securities LLC and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

George Snyder is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Royal Alliance Associates, Inc. for 15 years. Snyder is also a shareholder in a CPA firm and has longstanding involvement in tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Andrew Cousineau is a financial advisor at Osaic Wealth, Inc. based in Saginaw, Michigan, with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Signator Investors Inc. Cousineau also serves as Vice President of Vantagepointe Financial Group, where he is involved in the sales and marketing of securities and insurance products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that include a range of investment types and supports both discretionary and non-discretionary account management.

Ryan Hampton is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bank of America, Dow Credit Union, and various educational institutions. 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 individual, high-net-worth, institutional, and nonprofit clients.

Kelli Mcdonell is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2005. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Lee Le Roy III is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and 29 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advisory work, he serves as a FINRA-vetted arbitrator involved in dispute resolution. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Clark Piper is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2006. 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. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Nathan Schmidt is a financial advisor with LPL Financial in Saginaw, MI, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Wildfire Credit Union and Exact Sciences. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide through a network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Scott Stasik is a financial advisor with Equitable Advisors in Saginaw, MI, holding a Series 66 credential and 26 years of industry experience. He has been with Equitable Advisors and its predecessor firm, Axa Advisors, since 2000. Outside of his advisory role, he serves as treasurer for the Lady Hawks Softball WP organization on a volunteer basis. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

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.

Ellen Martz is a financial advisor with Raymond James & Associates in Saginaw, MI, holding Series 63 and Series 65 credentials and over 42 years of industry experience. She has been with Raymond James since 1999 and also has a long tenure at Roney & Co. Martz serves on multiple nonprofit boards, including as a trustee and officer for organizations such as the Catholic Community Foundation of Mid-Michigan and the JRS Biodiversity Foundation. 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, offering financial planning and consulting services with a range of portfolio management styles and affiliated research support.

Zachary Stedry is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at LPL Financial. His prior experience includes roles at Cetera, Voya Financial Advisors, and Roberts Boehler & Fisher CPAs. He is also engaged with Boehler and Stedry Financial Advisors, a business he co-owns. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse clientele including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Scott Reed is a CFP® professional affiliated with Edward Jones in Saginaw, MI, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard while maintaining a nationwide network of over 23,000 financial advisors.