Steven Masker is a financial advisor with LPL Financial in Frankenmuth, MI, holding a Series 66 credential and 21 years of industry experience. He previously worked at Sigma Financial Corp for 13 years and has been associated with Frankenmuth Credit Union since 2005. Masker is involved in investment-related activities at Frankenmuth Credit Union and serves as a life and health insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party subadvisors.

Daniel Bade is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has been with Merrill since 1990 and is part of The Provenzano-Bade-Wood Group, a team with over 130 years of combined experience in the financial services industry. Daniel's work focuses on helping clients pursue their financial goals through a client-centered, goals-based investment approach, covering areas such as divorce transition planning, family wealth management, personal retirement planning, philanthropic planning, and portfolio management services. Daniel holds a B.A. in Marketing with minors in Accounting and General Business from Western Michigan University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for four consecutive years from 2022 to 2025. Active in his community, Daniel serves as Co-Chair of the Frankenmuth Rotary Helping Hands Committee Fund, Chairman of the Frankenmuth Fondo bicycle race, and a Board Member for the St. Lorenz Foundation. He is an active member of St. Lorenz Lutheran Church in Frankenmuth. Daniel resides in Frankenmuth with his wife and enjoys biking, fishing, golfing, reading, running marathons, spending time with his family, and traveling.

Justin Herbolsheimer is a financial advisor at Edward Jones with 16 years of industry experience. He has held his current role at Edward Jones since 2009 and holds the Series 66 designation. Outside of his advisory work, he operates a small farm in Bay City, MI, where he farms pumpkins each fall. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

James Tillman Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at CUNA Mutual Group, JP Morgan Securities LLC, and Firstmerit Bank. Outside of financial advising, he has been the owner of The Pancake Man, a small business in Saginaw, MI, since 1995. 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 financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Joseph Reyes is a financial advisor with J.P. Morgan Securities, holding Series 63, Series 65, and Series 66 licenses and bringing 15 years of industry experience. He has worked with various JPMorgan entities since 2015, including J.P. Morgan Securities LLC and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

George Snyder is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Royal Alliance Associates, Inc. for 15 years. Snyder is also a shareholder in a CPA firm and has longstanding involvement in tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Michael Southgate is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with 16 years of industry experience, all with Edward Jones since 2010. Outside of advising, he is involved as treasurer and co-owner of Pine Island Association LLC and owns Pine Island Design LLC, a design studio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs under a fiduciary standard.

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.

Ryan Hampton is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bank of America, Dow Credit Union, and various educational institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, institutional, and nonprofit clients.

Kelli Mcdonell is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2005. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Lee Le Roy III is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and 29 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advisory work, he serves as a FINRA-vetted arbitrator involved in dispute resolution. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Clark Piper is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Michael Wegener is a financial advisor with Raymond James & Associates, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 28 years of industry experience, previously working at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2018. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and a variety of portfolio management styles.

Nathan Schmidt is a financial advisor with LPL Financial in Saginaw, MI, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Wildfire Credit Union and Exact Sciences. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide through a network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

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.