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.

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.

Collin Reinert is a financial advisor with LPL Financial in Frankenmuth, MI, holding a Series 66 designation and two years of industry experience. His work history includes roles at Frankenmuth Credit Union and Central Michigan University, as well as experience in the food industry with Kern's Sausage. 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 advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches.

Lawrence Brethauer is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Outside of his advisory role, he serves as the unpaid president of Friends of Hoyt Park. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Sarah Bartnikowski is a financial advisor with Ameriprise in Saginaw, MI, holding Series 65 and Series 66 credentials and 24 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2014 to 2023 before joining Ameriprise in 2023. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized retirement-income consulting team.

Kelly Herman is a financial advisor with Morgan Stanley in Saginaw, MI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets starting in 2005. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its process.

Spencer Schneider is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior roles include positions at United Wholesale Mortgage and Sorrento Pacific Financial, among others. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Kelly Baumgartner is a financial advisor with Morgan Stanley in Saginaw, MI, holding CFP® and Series 66 designations and bringing 17 years of industry experience. She has been with Morgan Stanley and its affiliates since 2014. Baumgartner serves on the board of the Great Lakes Bay Economic Club and the executive council of the Stevens Center for Family Business. Morgan Stanley Wealth Management offers a broad range of advisory and financial planning services to individuals and institutional clients, utilizing firm-approved planning tools and models to develop tailored strategies.

Kevin Scorsone is a financial advisor with LPL Financial based in Saginaw, MI, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. He previously worked at Cetera Investment Services and Chemical Bank before joining LPL Financial and Tri Star Trust Bank in 2018. In addition to his advisory role, he serves as a notary public. 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 advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and model portfolios.

Keith LaVielle, CFP®, is a Wealth Management Advisor and First Vice President at Merrill in Saginaw, Michigan. Since joining Merrill in 2014, he provides customized financial planning and investment guidance tailored to each client's goals. His expertise includes retirement planning, college education funding, estate strategies, tax minimization, philanthropic planning, portfolio management services, women and wealth, and individual and corporate investment strategies. Keith holds a Bachelor of Arts in Business Administration with a major in Personal Financial Planning from Central Michigan University. As a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor, he combines deep financial planning expertise with access to the investment insights of Merrill and banking solutions of Bank of America. His approach is comprehensive and goals-based, emphasizing long-term relationships built on trust, transparency, and thoughtful guidance. He resides in the Great Lakes Bay Area with his wife and their two dogs and is actively engaged in the community. Keith currently serves on the board of the Saginaw Basin Land Conservancy and is a member of the Leadership Saginaw County Class of 2019.

John Piersall Jr. is a financial advisor with Ameriprise in Saginaw, MI, holding the ChFC® and Series 63 designations and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he coaches a youth travel baseball team and serves as an official at hockey games. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, delivering structured, research-based recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

Cheryl Zinz is a financial advisor with Osaic Wealth, Inc. in Saginaw, Michigan, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. Before joining Osaic in 2018, she worked at Signator Investors, Inc. for 11 years. Outside of her advisory work, she serves as a program director at Michigan Avenue Baptist Church and holds roles as a registered representative and vice president at Vantagepointe Financial Group. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Spencer Gomes is a financial advisor with J.P. Morgan Securities in Saginaw, MI, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for the past ten years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jordan Bannerman is a financial advisor with Ameriprise in Saginaw, MI, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Edward Jones, American National Bank of Texas, LPL Financial, USAA Investment Management Company, and Scottrade, Inc. He has also worked as a self-employed sports official for four years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach emphasizes tax-aware withdrawal strategies and asset allocation within a product ecosystem that includes affiliated fund options.

Timothy Dijak is a financial advisor with Ameriprise in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior firms include Raymond James & Associates, where he worked for 10 years before joining Ameriprise Financial Services, Inc. He also owns Dijak Consulting PLC, which is used solely for payroll purposes. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Karen Lawrence Webster is a financial advisor with Equitable Advisors in Saginaw, MI, holding a Series 66 designation and 21 years of industry experience. She has been with Equitable Advisors since 2004 and previously worked with Axa Advisors, LLC. Outside of advisory work, Webster serves as president of the Saginaw Alumnae Chapter of Delta Sigma Theta Sorority, Inc., contributes as a guest columnist to Word Up Magazine and Michigan Banner Magazine, and participates in local community boards including the Saginaw African Cultural Festival and Saginaw County Executive Board. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers and LPL programs. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Timothy Todd is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 23 years. Outside of his advisory role, he volunteers at community household hazardous waste days and officiates amateur sports including baseball, basketball, and football. Ameriprise offers a retirement-income planning service geared toward individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation overseen by a centralized consulting team to deliver tailored retirement advice.