Kathleen Walraven is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is the sole proprietor of an agricultural business, Pete's Paradise Acres LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and global investment insights.

Valentino Deleon is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 credential and previously worked at United Bay Community Credit Union and Wanigas Credit Union. Deleon serves as a board member for the nonprofits United We Go and Do All, both of which focus on community inclusion and support for individuals facing barriers. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option.

Nicholas Zaucha is a Series 66-credentialed financial advisor with 15 years of industry experience. He has been with Edward Jones since 2011, based in Saginaw, MI. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and a proprietary money market fund, operating under a fiduciary standard.

Marc Kaeckmeister is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at firms including LPL Financial, Cetera, The Huntington Investment Company, and Choiceone Wealth Management. Kaeckmeister is also employed as a financial advisor through a dual bank program at ChoiceOne Bank. 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 written recommendation reports and ongoing retirement-income planning advice focused on tax-aware withdrawal strategies and dependable income sources.

Michael Braun is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and modeling techniques.

Joshua Long is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Royal Alliance Associates since 2018 and Signator Investors in 2017. Outside of his advisory role, he is a member of the Higgins Lake/Roscommon Chamber of Commerce and serves as a program director for VantagePointe Financial Group, a non-profit insurance brokerage. OSAIC serves a broad client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment programs and maintaining a complex affiliate network.

Trisha Gray is a Series 66–licensed financial advisor with Edward Jones in Saginaw, MI, where she has worked since 2019. She has seven years of industry experience, including five years with The Dow Chemical Company prior to joining Edward Jones. Outside of her advisory role, she serves as president of the Thomas Farms Home Owner Association. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Weston Woodbridge is a financial advisor with Thrivent Investment Management in Saginaw, MI, holding a Series 66 designation and 13 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning covering various topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Kyle Braun is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding a Series 66 designation and having 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery processes and firm-approved tools.

Russell Thomas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 66 designation and has worked at several financial institutions including JPMorgan Chase Bank, Huntington National Bank, and Bankers Life. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes unique regulatory registrations related to derivatives and commodities.

Douglas Adams is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Robert Baird & Co., JJB Hilliard W.L. Lyons LLC, and Raymond James & Associates. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary guidance through a centralized consulting team.

Fred Carter is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 39 years of industry experience. He previously worked for Commonwealth Financial Network for 23 years before joining LPL Financial in 2026. Outside of his advisory work, he is a co-owner of Carter Soap, a business based in Saginaw, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services delivered through a large network of investment adviser representatives.

Timothy Baldwin is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has been with Raymond James & Associates since 1999. Outside of his advisory role, Baldwin coaches for 10K To Flight, where he provides feedback and runs sound. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, drawing on a range of portfolio management styles and affiliated research.

Nicholas Cooper is a Wealth Management Advisor with the Mathewson Elliott Group and has been with Merrill Lynch Wealth Management since 2013. He provides comprehensive, goals-based financial advice to individuals, business owners, and institutions across the United States. His work focuses on helping clients define both short- and long-term financial objectives and delivering disciplined, personalized advice through various market cycles. Nick's expertise includes college education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's Degree in Personal Financial Planning and Finance from Central Michigan University, as well as the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Alternative Investment Analyst® (CAIA®) designation. Outside of his professional role, Nick enjoys biking, boating, hiking, running, and skiing.

Zachary Turner is a CFP® professional with 14 years of experience in financial advisory. He has worked with Raymond James Financial Services in various capacities since 2012. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide advisor network along with specialized municipal and public finance services.

Laura Shields is a financial advisor at Ameriprise in Saginaw, MI, holding a Series 66 designation. She joined Ameriprise in 2024 and has prior experience with GS3 Management. 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 written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jeffrey Parrish is a financial advisor with Edward Jones in Freeland, MI, holding Series 63 and Series 66 licenses with 19 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Benjamin Rapanos is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2019, with prior experience at Bank of America, Merrill, and in real estate. Outside of his advisory role, he owns a real estate business, Benjamin Rapanos Rentals, LLC. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Luke Bogert is a financial advisor with Morgan Stanley in Saginaw, Michigan, holding a Series 66 designation and four years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Northwestern Mutual. Outside of finance, he is involved in woodworking as a proprietor in an art and culture capacity. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and serves clients through various financial planning and investment services.

Matthew List is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. He is also the owner of LIST FINANCIAL LLC, a business he has maintained with minimal ongoing activity. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs, including third-party sponsored models and discretionary management, and offers ERISA fiduciary services through credentialed representatives.