Scott Miller is a financial advisor with Edward Jones in Bay City, MI, holding a Series 66 designation and with six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Labadie Auto Company and Chestnut Valley Holdings, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

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 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.

Spencer Pnacek is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He has previously worked at Tri-Star Trust Bank and The Prudential Insurance Company of America. Outside of advisory roles, he is involved with Tri-Star Bank in a financial institution capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a broad range of advisory programs, financial planning, and retirement plan consulting, using both discretionary and non-discretionary management and supported by research from LPL Research and third-party subadvisors.

Nathan Breidinger is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 14 years of industry experience. He has worked at Cambridge since 2019 and previously at Voya Financial Advisors and Arner Investment Management. Outside of advising, he serves on the investment committee for Covenant Healthcare and is involved in tax services as the owner of Harmony Financial Services, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through independent financial professionals using a range of portfolio management approaches and multiple platform arrangements.

Kirk Yackle is a financial advisor with Merrill in Saginaw, MI. He holds a Series 66 designation and has been with Merrill since 2025. Prior to joining Merrill, he worked in various roles including at Delta College and the UPS Store. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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.

Lauren Doherty is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in the Mid Michigan area. She focuses on being a resource and advocate to help clients achieve their financial aspirations by providing thoughtful investment guidance, proactive planning, and comprehensive wealth management solutions. Lauren earned a Bachelor's degree in Finance from the Eli Broad College of Business at Michigan State University. She holds the Personal Investment Advisor (PIA) designation and has experience in retirement planning, family wealth management strategies, college education planning, small business strategies, and women and wealth. Prior to joining Merrill, Lauren worked at Equitable Advisors, where she specialized in helping public school educators with retirement planning. Outside of her professional role, Lauren coaches sideline and competitive cheerleading for Bridgeport High School and is involved with the Frankenmuth Jaycees. She enjoys spending time with her family, camping, cooking, dancing, gardening, music, painting, and skiing.

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.

Jeffery Wood is a Series 66-credentialed financial advisor with Merrill, based in Saginaw, Michigan, with 12 years of industry experience. He has worked at Bank of America and Merrill Lynch since 2013 and 2014, respectively. Wood is involved in several nonprofit organizations, serving as President of both the Optimist Club of Saginaw and the Exchange Club of Saginaw, and holds board roles with other local nonprofits focused on community service and empowerment. 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 tailored for individuals, high-net-worth clients, institutions, and charitable organizations.

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 with Ameriprise based in Saginaw, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Choiceone Wealth Management, The Huntington Investment Company, Cetera, and LPL Financial. He is also engaged as a financial advisor through a dual bank program with Choiceone Bank. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial 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 through a centralized consulting team and emphasizes the use of Ameriprise-managed accounts within its advisory solutions.

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 at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones and Financial Edge Credit Union. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, consulting, and access to various managed portfolios and brokerage products through an integrated platform combining advisory services with insurance offerings and lending programs.