Andrew Schiefer is a financial advisor at Hantz Financial Services, Inc. in Bay City, Michigan, with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Hantz Financial Services since 2001. Hantz Financial Services serves a broad range of clients including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm uses ETF-based model portfolios alongside third-party money managers and other investment strategies, combining advisory, broker-dealer, mortgage, and insurance services.

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.

Patrick Nelson is a CFP® professional at Hantz Financial Services, Inc. in Bay City, MI, with 19 years of industry experience, all with his current firm. Hantz Financial Services serves a diverse range of clients, including high-net-worth individuals, pension and profit-sharing plans, charities, corporations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios supplemented by third-party managers and technology-driven solutions.

Jimmey Sequin II is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 designations with 26 years of industry experience. He has been with Hantz Financial Services since 2000 and previously worked at Northwood University for 21 years. Hantz Financial Services serves a diverse client base, including high-net-worth individuals, pension plans, charitable organizations, and business owners, offering financial planning, portfolio and wealth management primarily through ETF-based model portfolios and third-party strategies. The firm’s combination of advisory, broker-dealer, mortgage, and insurance services, along with its use of advanced technology platforms and multiple partnerships, distinguishes it within the industry.

William Bates is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials, and has 43 years of industry experience. His career includes long tenures at Royal Alliance Associates, BBCM Financial Services, and the Professional Affiliation Program, along with work as an independent insurance agent. Bates’s business activities include ongoing involvement in non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

Noah Ferrio is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, and Northwestern Mutual Investment Management. 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, model portfolio programs, and institutional platforms, with a focus on both discretionary and non-discretionary investment strategies.

Matthew Leppek is a financial advisor with Edward Jones in Bay City, MI, holding a Series 66 designation and seven years of industry experience. Prior to joining Edward Jones in 2018, he worked at Wanigas Credit Union and J & J Collision. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm operates an SEC-registered advisory program with approximately $1.01 trillion in assets under management and offers a range of investment strategies, including discretionary and non-discretionary wrap fee portfolios, separately managed accounts, and affiliated mutual funds.

Benjamin Dollard is a financial advisor with Ameriprise in Midland, MI, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Humane Society of Midland County. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Michael Elliott serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he focuses on connecting all aspects of clients' financial lives to help prioritize and pursue their most important financial goals. His approach involves working closely with clients to develop personalized plans tailored to their unique ambitions. Michael holds the Chartered Retirement Planning Counselor (CRPC) designation and completed his high school education at Saginaw High School. His work encompasses areas such as planning for education funding, retirement lifestyles, health care costs, and long-term family goals, emphasizing simplicity and transparency throughout the wealth planning process.

Charisse Veresh is a financial advisor at Ameriprise with nine years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Raymond James & Associates and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Manuel Sanchez is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Commonwealth Financial Network for 23 years and Citigroup Global Markets for 9 years. Outside of his advisory role, he is a co-owner of Sanchez Industries, Inc., a car wash service business in Saginaw, Michigan. 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, model portfolios, third-party asset management, and institutional platforms.

Lynn Gehoski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Her prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Merrill. She is based in Bay City, MI. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, drawing on multiple portfolio management styles and affiliated research.

Ashlee Miller is a financial advisor with Morgan Stanley in Saginaw, MI, holding a Series 66 designation and having 10 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and modeling techniques.

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.

Clint Bauschatz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2005. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a comprehensive advisory process.

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.

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.

Lynn Maclean is a financial advisor at Robert Baird & Co. with 16 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at J.J.B. Hilliard, W.L. Lyons, LLC for 10 years before joining Baird in 2019. The DDK Group, part of Baird’s Private Wealth Management department, serves individuals, corporate and business clients, pension plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and separately managed account programs, supported by ongoing manager selection and proprietary research.