Timothy Todd is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 23 years. Outside of his advisory role, he volunteers at community household hazardous waste days and officiates amateur sports including baseball, basketball, and football. Ameriprise offers a retirement-income planning service geared toward individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation overseen by a centralized consulting team to deliver tailored retirement advice.

Ryan Barber is a financial advisor with OSAIC in Saginaw, Michigan, holding a Series 66 designation and 25 years of industry experience. He previously worked at SII for 11 years before joining OSAIC in 2018. Barber is also active as a real estate investor and serves as president of RB Wealth Management LLC, where he focuses on sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a range of customizable investment programs supported by affiliated broker-dealer and RIA relationships.

Spencer Pnacek is a financial advisor with LPL Financial and holds the Series 66 designation. He has three years of industry experience, including roles at Tri-Star Trust Bank and The Prudential Insurance Company of America. Outside of advising, he is involved with Tri-Star Trust Bank in a financial institution duty capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of investment adviser representatives using various strategies and platforms.

Nathan Breidinger is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 designations and has 15 years of industry experience. Prior to joining Cambridge in 2019, he worked at Voya Financial Advisors and Arner Investment Management. Outside of his advisory role, he is involved in tax service ownership through Harmony Financial Services, serves on finance and investment committees for local organizations, and acts as a notary. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides both discretionary and non-discretionary management through multiple platforms and features proprietary model strategies under the Founders Gate Capital brand.

Rachel Aviles is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in delivering personalized wealth management strategies tailored to clients’ unique financial goals. With a focus on areas such as divorce transition planning, family wealth management, retirement income, and legacy planning, Rachel works closely with clients to develop flexible financial strategies that respond to evolving market conditions. Rachel holds a Bachelor's degree from Wayne State University and a Juris Doctorate from the University of Detroit Mercy. Before transitioning to financial advising, she practiced law, an experience that enhances her understanding of clients’ needs. As a Personal Investment Advisor (PIA), Rachel is committed to building strong client relationships through open dialogue and customized financial planning. She is also active in her community, participating in the Rochester Rotary Club and the Hispanic/Latino Organization for Leadership & Advancement. Outside of her professional role, Rachel enjoys spending time with her family and engaging in activities such as camping, swimming, cooking, reading, traveling, writing, and yoga. She values giving back to the community through education and leadership initiatives, reflecting her dedication to both clients and community service.

August Hurt III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by advanced modeling tools and offers both direct and employer-sponsored financial planning services.

Steven Ciolek is a financial advisor with Ameriprise in Birch Run, MI, holding Series 63 and Series 66 designations and 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing detailed 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 personalized retirement income recommendations through a centralized consulting team.

Thomas Pacek is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized wealth management strategies that align with their individual financial goals and the evolving market conditions. Thomas leverages investment insights from Merrill, as well as banking and lending solutions through Bank of America, to support his clients' comprehensive financial needs. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Northwood University. Thomas is committed to engaging with the communities he serves, dedicating time to volunteer with local organizations. His approach centers on collaborating one-on-one with clients to help them pursue their long-term financial objectives.

Scott Hagenbach is a Certified Financial Planner (CFP®) with 23 years of industry experience. He has been with Ameriprise since 2015, currently serving as a financial advisor in Saginaw, MI. Outside of his advisory role, he is a co-owner of a tournament fishing LLC and occasionally participates in tournaments with his son. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

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.

Michael Staudacher is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and over 27 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he owns a building in Bay City, Michigan, from which he receives rental income. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment options and advisory services. The firm manages approximately $1.01 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Adam Shay is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior roles include positions at Financial Edge Credit Union and Edward Jones. He has also worked at the Dow Bay Area Family YMCA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment implementation is typically model-driven and includes access to third-party asset managers, with additional services such as affiliated trust custody, insurance sales, and a collateralized lending program.

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.