Andrew Cousineau is a financial advisor at Osaic Wealth, Inc. based in Saginaw, Michigan, with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Signator Investors Inc. Cousineau also serves as Vice President of Vantagepointe Financial Group, where he is involved in the sales and marketing of securities and insurance products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that include a range of investment types and supports both discretionary and non-discretionary account management.

Rajwinder Kaur is a financial advisor with Ameriprise in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at The Huntington National Bank, Principal Securities Inc., and Wells Fargo. Ameriprise Financial Services serves both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendation reports and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Hunter Keim is a financial advisor at Robert Baird & Co. with a Series 66 designation and two years of industry experience. He has held roles at several organizations including EXP Realty and Mid Michigan College, as well as involvement with The Wanderheart Project / Life Unplugged. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients through a variety of financial planning and portfolio management services. Baird combines internal research and manager oversight with innovative strategies including tax management and model-traded SMA approaches, managing approximately $394 billion in assets as of the end of 2025.

David Foster is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee for his father's trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Matthew Murray is a financial advisor at Edward Jones in Midland, MI, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Airgas USA, LLC for 17 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors.

Nicole Sabin is a financial advisor with Ameriprise in Midland, MI, holding Series 63 and Series 66 designations and having 21 years of industry experience. She has worked at Ameriprise since 2017 and previously at Cetera Advisors LLC from 2013 to 2017. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities and utilizes algorithmic automation alongside oversight committees to generate tailored retirement-income recommendations.

Mc Kenzie Lee is a Series 66-licensed financial advisor with Edward Jones in Midland, MI, with five years of industry experience. Lee has worked with Edward Jones and Edward Jones Investments since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Sheri Turek is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. Her career includes roles at The Huntington Investment Company, Infinex Investments, Flagstar Bank, and J.P. Morgan Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for clients nearing or in retirement that provides tailored, tax-aware withdrawal strategies and ongoing annual planning advice.

Jonathan Laundra is a CFP®-certified financial advisor with Edward Jones in Midland, MI, with 19 years of industry experience and 17 years at Edward Jones. He serves as treasurer and director for J.D. Laundra Foundations & Masonry, a construction company, and is the head coach of a middle school boys swim team at the Midland Community Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory and investment solutions, supported by a large national network of financial advisors and branch offices.

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.

Diane White is a financial advisor at Robert Baird & Co. with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Baird since 2019, following a nine-year tenure at J.J.B. Hilliard, W.L. Lyons, LLC. She is part of The DDK Group within Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services, utilizing a range of investment strategies and management approaches to meet varied client goals and risk tolerances.

Dennis Stolz is a financial advisor at Stifel with nine years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and previously was employed at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of his advisory work, he serves as Co-Director of Birdman's Bass Fishing Tournament Series, a local fishing tournament organization in Midland, Michigan. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Scott Smith is a CFP®-certified financial advisor with 36 years of industry experience. He has worked at Stifel Nicolaus & Co. Inc. since 2020, following tenures at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. Smith serves on the Investment Advisory Board of the Chippewa Nature Center, a nonprofit educational organization. Stifel serves a broad range of clients, including individual, institutional, and municipal entities, offering brokerage and investment advisory services based on a proprietary methodology developed by its Investment Strategy Group.

Luke Russell is a financial advisor with LPL Financial in Midland, MI, holding a Series 66 credential and possessing 17 years of industry experience. His prior experience includes roles at Sigma Financial and Edward Jones. Outside of his advisory work, he serves as a baseball umpire for the United States Tennis Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies through a large network of advisors and integrates advanced operational and research tools.

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.

Tony Winter is a CFP®, ChFC®, and Series 63-licensed financial advisor with 31 years of industry experience. He has been with Ameriprise since 2024 and previously worked for 25 years at Hantz Financial Services, Inc. Winter is based in Midland, MI. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations, primarily for clients with assets managed within Ameriprise.

Terri Carmichael is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. Her career includes roles at Merrill and Bank of America prior to joining Wells Fargo in 2021. She serves as Vice Chair of the Board of Directors for Underground Railroad, Inc., a nonprofit organization involved in housing, legal assistance, and donor relations. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Thomas Lanning is a financial advisor with Ameriprise in Freeland, MI, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Prior to Ameriprise, he worked at The Huntington Investment Company for eight years and Isabella Bank for two years. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. It offers a specialized Premier Retirement Income service focused on written recommendations and ongoing planning advice for clients approaching or in retirement, emphasizing dependable income sources and tax-aware withdrawal strategies.

Gregory Mc Keever is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and four years of industry experience. He has worked at several firms including Northwestern Mutual Wealth Management Company and Ivan Peruski. He also serves as a financial advisor at Tri-Star Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.