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 based in Frankenmuth, MI, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at Frankenmuth Credit Union and Central Michigan University, as well as five years at Kern's Sausage. 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 and access to third-party asset management, supported by extensive advisor tools and a broad non-advisory financial services platform.

Lawrence Brethauer is a financial advisor with Equitable Advisors in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and serves as president of Friend of Hoyt Park, a community organization. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and various advisory programs, focusing on personalized risk assessment and tailored investment models.

Sarah Bartnikowski is a financial advisor with Ameriprise Financial Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and J.J.B. Hilliard, W.L. Lyons, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income recommendations and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies. This service uses proprietary research, third-party data, and algorithmic tools to address asset allocation, withdrawal approaches, and Social Security options.

Mindy Carr is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 25 years of industry experience. Her career includes roles at Huntington National Bank, The Huntington Investment Company, Fifth Third Securities, and National Planning Corporation. She serves as Board President of the Anthony Wayne High School Hockey Club, overseeing the JV and V hockey teams. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

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 with Fidelity Investments, holding a Series 66 designation and two years of industry experience. His previous roles include positions at Sorrento Pacific Financial, Thumb Bank & Trust, and United Wholesale Mortgage. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from 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, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes positions at Cetera Investment Services, Chemical Bank, and Chase Investment Services. He also serves as a Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of services including financial planning and institutional platforms, serving individuals, retirement plans, banks, and trust companies.

Keith LaVielle, CFP®, is a Wealth Management Advisor at Merrill's Saginaw, Michigan branch, where he has been serving clients since 2014. He provides customized financial planning and investment guidance tailored to each client's goals, with expertise spanning retirement planning, college funding, estate strategies, tax minimization, and portfolio management. His approach is grounded in a client-first philosophy and a comprehensive goals-based wealth management framework. Keith earned his Bachelor of Arts in Business Administration with a major in Personal Financial Planning from Central Michigan University in 2014. He holds professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). His academic background and over a decade of experience enable him to develop personalized financial strategies aligned with clients' unique goals and values. Beyond his professional work, Keith is involved in his local community, serving on the board of the Saginaw Basin Land Conservancy. He lives in the Great Lakes Bay Area with his wife and their two dogs.

Cheryl Zinz is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She previously worked for Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of her advisory role, she serves as a Program Director at Michigan Avenue Baptist Church. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and a multi-advisor platform.

Spencer Gomes is a financial advisor at J.P. Morgan Securities in Saginaw, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

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 having 21 years of industry experience. She has been with Equitable Advisors (and previously Axa Advisors, LLC) since 2004. Outside of her advisory role, Webster is active in her community as president of the Delta Sigma Theta Sorority Saginaw Alumnae Chapter and serves on the Saginaw County Michigan Executive Board providing voter information. She also contributes guest columns to Word Up Magazine and Michigan Banner Magazine and directs a firm focused on income tax preparation and compilations. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives and utilizes both proprietary and third-party advisory programs and managers.

Emily Rush is a Series 66 licensed financial advisor with 15 years of industry experience. She has worked at Ameriprise since 2026, following nine years at The Huntington Investment Company and six years at LPL Financial. Outside of her advisory work, she is a member of Rush Properties, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

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.

Ryan Barber is a financial advisor with OSAIC in Saginaw, Michigan, holding a Series 66 designation and 25 years of industry experience. He previously worked at SII for 11 years before joining OSAIC in 2018. Barber is also active as a real estate investor and serves as president of RB Wealth Management LLC, where he focuses on sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a range of customizable investment programs supported by affiliated broker-dealer and RIA relationships.

Spencer Pnacek is a financial advisor with LPL Financial and holds the Series 66 designation. He has three years of industry experience, including roles at Tri-Star Trust Bank and The Prudential Insurance Company of America. Outside of advising, he is involved with Tri-Star Trust Bank in a financial institution duty capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of investment adviser representatives using various strategies and platforms.

Rachel Aviles is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in delivering personalized wealth management strategies tailored to clients’ unique financial goals. With a focus on areas such as divorce transition planning, family wealth management, retirement income, and legacy planning, Rachel works closely with clients to develop flexible financial strategies that respond to evolving market conditions. Rachel holds a Bachelor's degree from Wayne State University and a Juris Doctorate from the University of Detroit Mercy. Before transitioning to financial advising, she practiced law, an experience that enhances her understanding of clients’ needs. As a Personal Investment Advisor (PIA), Rachel is committed to building strong client relationships through open dialogue and customized financial planning. She is also active in her community, participating in the Rochester Rotary Club and the Hispanic/Latino Organization for Leadership & Advancement. Outside of her professional role, Rachel enjoys spending time with her family and engaging in activities such as camping, swimming, cooking, reading, traveling, writing, and yoga. She values giving back to the community through education and leadership initiatives, reflecting her dedication to both clients and community service.