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.

Todd Arner is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and previously spent five years with VOYA Financial Advisors. Arner is also an independent insurance agent and serves as vice president and board member of Westchester Village in Saginaw, MI. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a broad range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using various platform arrangements and both proprietary and unaffiliated investment strategies.

Bruce Falcon is a financial advisor at Osaic with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including The O.N. Equity Sales Company, Pruco Securities LLC, and Ohio National Financial Services. Outside of his advisory role, Falcon is involved in several community and entrepreneurial activities, serving on nonprofit boards for a music and film festival and an outdoor beer garden, competing as a professional bowler, and co-owning a portable restroom leasing business. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers a range of brokerage and advisory services and employs asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Zachary Stedry is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at LPL Financial. His prior experience includes roles at Cetera, Voya Financial Advisors, and Roberts Boehler & Fisher CPAs. He is also engaged with Boehler and Stedry Financial Advisors, a business he co-owns. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse clientele including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes both discretionary and non-discretionary management strategies supported by in-house and third-party research.

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.

Lee Miller is a CFP® professional with 27 years of industry experience, currently serving at Raymond James & Associates since 2018. Prior to this, he worked at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2018. He is involved as Treasurer of the Michigan Lutheran Seminary Foundation and serves as Secretary and Director on the board of a local brewery in Bay City, MI. 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 including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services with a range of portfolio management styles and affiliated research.

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.

Gregory Johnson is a financial advisor at Ameriprise with 22 years of industry experience. Prior to joining Ameriprise in 2025, he worked at Hantz Financial for over two decades. He holds Series 63 and Series 65 credentials. Outside of his advisory work, he serves on the Board of Directors for the Highland Woods Association in Bay City, MI. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

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.

David Friebe is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2008. Outside of his advisory role, he serves as Vice Chairman of Trinity Lutheran Church and is a member of the Board of Directors for the Bay Area Women's Center. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based financial analyses and planning across multiple areas without discretionary trading authority.

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.