David Abbs is a CFP® with 44 years of industry experience, currently serving as an investment advisor at CWM, LLC. He has previously worked at LPL Financial and Cetera Wealth Services. Outside of his advisory role, he is involved in several local organizations, including serving as a board member for the 100 Club of Saginaw County and secretary of the Foundation Board of Saginaw Valley State University. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, and institutions through over 600 advisors. The firm provides portfolio management, financial planning, and retirement services, utilizing model portfolios and a combination of fundamental and technical analysis supported by third-party sub-advisors and customization tools.

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.

Fred Carter is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has been with Commonwealth since 2003. Outside of his advisory work, he is a co-owner of Carter Soap, a business based in Saginaw, Michigan. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

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.

Tara Stensrud is a financial advisor at Cetera Planning Partners with three years of industry experience. She holds the PFS™ designation and previously worked at Avantax Planning Partners, Inc. Stensrud is also a principal at Yeo & Yeo, P.C., a full-service CPA firm where she provides tax and accounting services and leads a team of ten professionals. Outside of financial advising, she is involved with several related business activities including wealth management and medical billing services. Cetera Planning Partners serves individual and high-net-worth clients, focusing especially on pre-retirees and retirees, and offers investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm provides additional services such as tax planning, bookkeeping, payroll support, and estate planning through affiliated providers, using a diversified investment approach tailored to client objectives and risk tolerance.

Matthew Bishop is a CFP®-certified financial advisor with 24 years of industry experience, currently with Benjamin F. Edwards & Company, Inc. since 2013. He previously worked at Wells Fargo Clearing from 2010 to 2013. Bishop serves as a board member of CBM Services, Inc., a non-investment-related organization based in Midland, Michigan. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser with over 500 advisors, serving individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides a range of services including wrap-fee advisory programs, financial planning, investment management, and M&A advisory, employing a combination of proprietary strategies and third-party models supported by in-house equity and fixed-income research.

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® with 24 years of industry experience, currently serving as a financial advisor at Cetera Planning Partners since 2026. His prior experience includes roles at Avantax Investment Services and Yeo & Yeo Wealth Management. Bender is active in nonprofit and community organizations, holding leadership and trustee roles with entities such as St. Lorenz Lutheran Church Foundation, Camp Rotary Foundation, and Concordia Center for the Family. Cetera Planning Partners serves individual and high-net-worth clients, focusing particularly on pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment approach emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by ancillary services including tax planning, bookkeeping, and estate planning through a third-party provider.

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® with two years of experience in the financial advisory industry. She is currently with CWM, LLC and previously worked at Carson Wealth and Abbs Retirement Planning Advisors. Prior to her advisory roles, Wieland held positions at Nexteer Automotive, Saginaw Valley State University, and Dow Chemical. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, typically managing discretionary accounts using model portfolios governed by an in-house Investment Committee.

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.

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.

Bradley Bach is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds a Series 66 designation and has previously worked at Cetera and Independent Bank. He is a co-owner of Shoreline Wealth Partners, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers comprehensive adviser support, including managed-account programs and access to third-party asset managers, while providing trading, reporting, and custody services.

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.