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 a financial professional at Carson Wealth. His prior experience includes positions at LPL Financial, Cetera Wealth Services, LLC, and KFA Partners, LLC. Abbs is involved in community service as a board member of the 100 Club of Saginaw County and holds leadership roles on several nonprofit boards, including serving as secretary of the Foundation Board of Saginaw Valley State University and treasurer of the Kochville Township Downtown Development Community. Carson Wealth is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing committee-driven model portfolios and tailored investment solutions that include alternative investments and third-party sub-advisors.

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.

Chad Capp is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has been with Hantz Financial Services since 2002. Hantz Financial Services serves a diverse client base including individual households, retirement plans, charitable organizations, and business owners. The firm focuses on financial planning and wealth management through ETF-based model portfolios across multiple risk levels, complemented by third-party managers and advanced technology platforms.

Mirandy Myers is a Series 65-licensed advisor at Hantz Financial Services, Inc. with two years of industry experience. She has been with Hantz Financial Services since 2019, and her prior work includes roles at Mid Michigan Health, Cuptured, and Pure Laundry LLC. Hantz Financial Services serves individual clients, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm offers financial planning and portfolio management primarily through ETF-based model portfolios, supported by third-party managers and technology platforms, and is notable for its combined advisory, broker-dealer, mortgage, and insurance activities.

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.

Cameron Formsma is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has worked at Hantz Financial Services since 2024. Prior to that, he held various positions across retail and service industries. Hantz Financial Services, Inc. serves individual clients, 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 advanced portfolio management technologies.

Matthew Bishop is a CFP® with 25 years of industry experience, currently affiliated with Benjamin F. Edwards & Company, Inc. in Midland, MI, where he has worked since 2013. He previously worked at Wells Fargo Clearing from 2010 to 2013. Outside of his advisory role, he serves as a board member of CBM Services, Inc., a non-investment related organization based in Midland, Michigan. Benjamin F. Edwards & Company is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of services including financial planning, retirement plan consulting, investment management, brokerage, insurance products, and M&A advisory services using both proprietary and third-party investment strategies.

Gage Gransden is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience and holds a Series 66 designation. His prior work includes roles in education and retail, such as positions at Carrollton Public Schools, Saginaw Valley State University, and JJ Kosher Store. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party money managers and Direct Indexing, and combines advisory, brokerage, mortgage, and insurance services within its enterprise structure.

Peter Bender is a CFP®-designated financial advisor with 24 years of industry experience. He is currently with Cetera Planning Partners and has held prior roles at various firms including Avantax Investment Services and Yeo & Yeo Wealth Management. Outside of his advising duties, Bender serves as Executive Director of the St. Lorenz Church Foundation and holds several board and trustee positions with nonprofit and community organizations. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm’s approach includes diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll, and estate planning through third-party providers.

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.

Ryan Micho is a financial advisor with Hantz Financial Services, Inc. in Midland, MI. He holds a Series 65 designation and has 10 years of industry experience. Micho has been with Hantz Financial Services since 2012. Hantz Financial Services, Inc. serves a diverse client base including individual and high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm focuses on ETF-based model portfolios across varied risk levels, supplemented by third-party money managers and Direct Indexing, and offers integrated advisory, brokerage, mortgage, and insurance services.

Carly Wieland is a CFP® and ChFC® operating with Carson Wealth and CWM, LLC, holding two years of industry experience. Her prior roles include positions at Abbs Retirement Planning Advisors, Nexteer Automotive, Saginaw Valley State University, and Dow Chemical. CWM, LLC is an SEC-registered investment adviser that manages approximately $50.6 billion through a network of more than 650 advisors. The firm serves corporate, institutional, and high-net-worth clients, delivering discretionary asset management and financial planning with model portfolios overseen by an Investment Committee using both fundamental and technical analysis.

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 holds the Series 66 and Series 63 designations. Prior to joining Empower, she worked at J.P. Morgan Securities LLC and PNC Financial Group. Outside of her advisory role, she has operated Jacqui B's Greenhouse for over 20 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Connor Smith is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 66 designation with three years of industry experience. Prior to joining Hantz, he worked in the hospitality sector at Lucky's Steakhouse and Vivante French Eatery. Hantz Financial Services, Inc. serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm utilizes ETF-based model portfolios across varying risk levels, supplemented by third-party managers and technology-enabled tax-loss harvesting, combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Ralph Brozzo is a CFP®-certified financial advisor at Benjamin F. Edwards & Company, Inc. with 30 years of industry experience. He has worked at Benjamin F. Edwards since 2013 and previously at Wells Fargo Clearing for three years. Outside of advisory work, he holds a majority ownership in Debroz Entertainment Co., an investment-related business in Midland, Michigan. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through over 500 advisors. The firm offers a range of advisory and brokerage services, including proprietary and third-party investment strategies delivered via discretionary and non-discretionary managed solutions.

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.

Frederick Lambert is a Series 65-licensed financial advisor at Hantz Financial Services, Inc. in Midland, MI, with 11 years of industry experience. He has been with Hantz Financial Services since 2014. Hantz Financial Services serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, charitable organizations, corporate clients, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and direct indexing, and combines advisory, brokerage, mortgage, and insurance services in a multi-faceted enterprise structure.