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 28 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2018. He previously worked at Wells Fargo Clearing from 2016 to 2018. Outside of his advisory role, Miller serves as treasurer for the Michigan Lutheran Seminary Foundation and is a director and secretary on the board of the TriCity Brewing Company. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides services to individuals, institutional clients, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Collin Reinert is a financial advisor with LPL Financial based in Frankenmuth, MI, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at Frankenmuth Credit Union and Central Michigan University, as well as five years at Kern's Sausage. 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 advisor tools and a broad non-advisory financial services platform.

Lawrence Brethauer is a financial advisor with Equitable Advisors in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and serves as president of Friend of Hoyt Park, a community organization. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and various advisory programs, focusing on personalized risk assessment and tailored investment models.

Sarah Bartnikowski is a financial advisor with Ameriprise Financial Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and J.J.B. Hilliard, W.L. Lyons, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income recommendations and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies. This service uses proprietary research, third-party data, and algorithmic tools to address asset allocation, withdrawal approaches, and Social Security options.

Joseph Maier Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His background includes roles in education at Saginaw Valley State University, Alma College, John Glenn High School, and Christa McAuliffe Middle School prior to entering financial services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mindy Carr is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 25 years of industry experience. Her career includes roles at Huntington National Bank, The Huntington Investment Company, Fifth Third Securities, and National Planning Corporation. She serves as Board President of the Anthony Wayne High School Hockey Club, overseeing the JV and V hockey teams. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

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.

Spencer Schneider is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. His previous roles include positions at Sorrento Pacific Financial, Thumb Bank & Trust, and United Wholesale Mortgage. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

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.

Thomas Lanning is a financial advisor with Ameriprise in Freeland, MI, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Prior to Ameriprise, he worked at The Huntington Investment Company for eight years and Isabella Bank for two years. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. It offers a specialized Premier Retirement Income service focused on written recommendations and ongoing planning advice for clients approaching or in retirement, emphasizing dependable income sources and tax-aware withdrawal strategies.

Kevin Scorsone is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes positions at Cetera Investment Services, Chemical Bank, and Chase Investment Services. He also serves as a Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of services including financial planning and institutional platforms, serving individuals, retirement plans, banks, and trust companies.

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.

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 licenses and with 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

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.

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.

Karen Lawrence Webster is a financial advisor with Equitable Advisors in Saginaw, MI, holding a Series 66 designation and having 21 years of industry experience. She has been with Equitable Advisors (and previously Axa Advisors, LLC) since 2004. Outside of her advisory role, Webster is active in her community as president of the Delta Sigma Theta Sorority Saginaw Alumnae Chapter and serves on the Saginaw County Michigan Executive Board providing voter information. She also contributes guest columns to Word Up Magazine and Michigan Banner Magazine and directs a firm focused on income tax preparation and compilations. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives and utilizes both proprietary and third-party advisory programs and managers.