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.

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.

David Anderson is a financial advisor with Robert Baird & Co. based in Midland, MI, holding a Series 66 designation and 14 years of industry experience. He previously worked for J.J.B. Hilliard, W.L. Lyons, LLC for seven years before joining Baird in 2019. Anderson serves as President and a board member of Saginaw Field and Stream, where he oversees the Investment and Finance Committee. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations using a range of financial planning, consulting, and portfolio management strategies.

Sam Howard is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2019. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Howard is a board member of The Arnold Center’s Investment Committee and also serves on the board of the Leon P Martuch chapter of Trout Unlimited. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, pensions, corporations, and charitable organizations. The group offers a range of investment strategies and overlays, including traditional and non-traditional asset allocations, along with municipal advisory and public finance services.

Kevin Spencer is a Series 66-credentialed financial advisor at Edward Jones with 15 years of industry experience. He has been with Edward Jones since 2010, based in Midland, MI. Outside of his advisory role, he owns rental properties managed primarily by his wife. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and affiliated investment products through a nationwide network of financial advisors.

Gregory Porath is a financial advisor at Robert Baird & Co. with three years of industry experience. He holds the Series 66 designation and has previously worked in the hospitality and banking sectors, including roles at Mike Mohn / Bestside Bar & Grill and Macatawa Bank Corporation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, implementing strategies through a combination of in-house and third-party managers across traditional and non-traditional asset classes.

Adam Thiel is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sherry Schock is a financial advisor at Edward Jones in Midland, MI, holding a Series 66 designation with three years of industry experience. Before joining Edward Jones, she was a partner at Bloom by Bloom, LLC, and has over two decades of experience with Walden University. She also works as an independent educational leadership consultant and has been invited to conduct training for school leaders in Hawaii and participate in panel discussions on charter schools. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Dennis Taylor is a financial advisor at Edward Jones with 23 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is involved in managing a rental property in Bay City, Michigan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices, offering a variety of advisory strategies and affiliated investment products.

Ryan Barber is a financial advisor at OSAIC with 25 years of industry experience. He holds a Series 66 credential and previously worked at SII for 11 years before joining OSAIC in 2018. In addition to his advisory role, Barber is involved in real estate investing. OSAIC serves a diverse range of retail and institutional clients, including individuals, high-net-worth investors, and charitable organizations. The firm utilizes a variety of advisory platforms and asset-allocation tools to offer integrated brokerage and investment advisory services, retirement plan consulting, and access to third-party money managers.

Amy Hebert is a financial advisor with Cetera in Midland, MI, holding a Series 66 designation and 10 years of industry experience. She is the owner of Hebert Wealth Advisors LLC, where she provides both financial services and tax/accounting support. Amy also serves as treasurer for the nonprofit organization P.E.O. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm offers multiple program structures and access to third-party and affiliated managers.

Donald Smith is a ChFC® with 49 years of experience in the financial industry. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and Smith & Company Financial Services since 1995. Outside of his advisory work, he owns and operates a farming business in Michigan. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, with access to both affiliated and third-party managers across multiple program structures.

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.

Amee Hughes is a Series 66-registered financial advisor at Edward Jones in Midland, MI, with eight years of industry experience. She has worked at Edward Jones since 2017 and was previously employed by Midland Public Schools for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Bailey is a financial advisor at Osaic Wealth, Inc. with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with Ameritas Advisory Services, Ameritas Investment Corp, Ameritas Life Insurance Corp, and MML Investors Services. Bailey is also the owner of Redbridge Financial, an LLC engaged in insurance and financial services, and owns a design business, JSDB Design. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools, risk tolerance assessments, and automated rebalancing to construct portfolios that include various asset classes and managed-account solutions.

Jose Martinez II is a financial advisor with LPL Financial in Midland, MI, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. Prior to joining LPL Financial in 2019, he worked at SPC and Sigma Financial Corporation for seven years each, as well as MRK Asset Management, LLC. 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 technology and a broad platform of financial products.

John Beery is a financial advisor with Robert Baird & Co. in Midland, MI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Baird since 2019 and previously worked nine years at J.J.B. Hilliard, W.L. Lyons, LLC. Baird’s DDK Group, where Beery is part of the team, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies, alongside internal research and AI tools, with reported assets under management of approximately $394 billion as of December 31, 2025.

Zackary Lechner is a financial advisor with Wells Fargo Clearing in Midland, MI, holding a Series 66 designation and 10 years of industry experience. He previously worked at Merrill from 2015 to 2017 before joining Wells Fargo Clearing, where he has been since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS‑driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Long is a financial advisor at OSAIC with eight years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of his advisory role, Long is a member of the Higgins Lake/Roscommon Chamber of Commerce and serves as Program Director for the nonprofit Vantagepointe Financial Group. OSAIC serves a wide range of retail and institutional clients through a network of affiliated advisors, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and third-party platforms to manage diversified portfolios on both discretionary and non-discretionary bases.

Robert Morgenstern is a financial advisor with LPL Financial in Midland, MI, holding the Series 66 designation and bringing 18 years of industry experience. His prior roles include positions at Spc and Sigma Financial Corporation. He is also involved with Halcyon Financial Group, LLC, an investment-related firm based in Midland. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.