Steven Witten is a financial advisor with Charles Schwab in Saginaw, Michigan, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Schwab in 2018, he worked for Tri-Star Trust Bank from 2013 to 2018. Outside of his advisory role, he is involved in a family automotive repair business and serves on the board of a local nonprofit field and stream club, where he chairs a youth sports committee. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services with a predominantly non-discretionary client relationship model.

Tammy Witzgall is a financial advisor at Merrill with 26 years of industry experience. She holds a Series 63 designation and has been with Merrill Lynch Pierce Fenner Smith, Inc. since 1998. Outside of her advisory role, she is a 50% owner of Discount Glass LLC, a business involved in auto sales, body work, and mechanical services. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Katrina Kaschinske is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and possessing 22 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of her advisory role, she serves as a Ministry Council member at St. Lorenz Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses across a broad range of financial planning topics. The firm combines planning with managed-account options under a consolidated billing system while maintaining separate planning and management services.

Jesse Lillard is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Saginaw, Michigan. He specializes in assisting successful professionals, business owners, and families during significant financial transitions, including retirement preparation, career changes, managing new wealth, and business succession planning. Jesse’s approach involves organizing financial lives through disciplined planning that transforms complexity into clear, actionable steps aligned with clients’ goals and values. Jesse holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree, Cum Laude, from Wayne State University. He is also a member of the Midland Noon Rotary Club. Outside of his professional work, Jesse enjoys camping, cooking, fishing, football, golfing, hiking, horseback riding, music, traveling, and spending time with his family.

Tammy Mentel is a financial advisor with Wells Fargo Clearing in Midland, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Coleman Staudacher is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at PGA Tour Superstore and Equitable Advisors LLC. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and a proprietary money market fund. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets with a nationwide network of over 23,000 financial advisors.

Sara Rabideau is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2002. Merrill, along 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lynn Maclean is a financial advisor at Robert Baird & Co. with 16 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at J.J.B. Hilliard, W.L. Lyons, LLC for 10 years before joining Baird in 2019. The DDK Group, part of Baird’s Private Wealth Management department, serves individuals, corporate and business clients, pension plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and separately managed account programs, supported by ongoing manager selection and proprietary research.

Gregory Garl is a financial advisor with LPL Financial in Freeland, MI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he has experience as an agent for group health plans and sells various insurance products including life, health, disability, and long-term care. 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 advisors. The firm offers a range of financial planning and advisory services, including retirement plan consulting and model portfolio management, with access to research from internal and third-party sources.

William Dijak is a CFP® professional with 29 years of experience in the financial industry. He is currently with OSAIC Wealth Inc and has held roles at The Graczyk-Dijak Financial Group, Harbour Investments, Inc, and NEXT Financial Group, Inc. Outside of his advisory work, he serves as an assistant basketball coach at Bay City Western High School. OSAIC Wealth Inc. serves a diverse range of clients including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that may include a variety of investment types managed on both discretionary and non-discretionary bases.

Sarah Holmes is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. She has worked with Cetera and its affiliates since 2013 and is also the owner of Smith & Company Financial Services. Outside of her advisory work, Holmes serves as treasurer for Hemlock Youth Baseball and Softball, managing the organization's finances. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, combining affiliated and third-party managers to tailor investment solutions.

Mary Hofmeister is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Edward Jones since 1999. She holds Series 63 and Series 66 licenses. Outside of her advisory role, she is associated with Lakeside Media, a media business in Essexville, MI, which is owned by her husband. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Martin Hessler is a financial advisor with Thrivent Investment Management in Saginaw, MI, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has been with Thrivent and its predecessor entity since 2002. Outside of his advisory role, Hessler serves as Committee Chair for Boy Scout Troop 55 in Frankenmuth, MI. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated billing option called “WealthPlan” that combines planning with managed accounts while maintaining separate service delivery.

Jordan Schultz is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked for five years at Agnew Construction. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Mieske is a financial advisor with LPL Financial in Freeland, MI, holding CFP® and Series 63 credentials and with 25 years of industry experience, all at LPL Financial since 2001. Outside of his advisory role, he has served as a color commentator for the Great Lakes Loons, a minor league baseball team, and is involved in a family business called Great Lakes Quilts-N-More. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by model portfolios and research.

Daniel Boehler is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Cetera Advisor Networks LLC and VOYA Financial Advisors. Boehler is also a licensed agent for non-variable insurance products and serves as a public notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs and financial planning services with access to model portfolios, research, and various institutional solutions.

Zachary Moulton is a financial advisor at Cambridge Investment Research Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previous work history at Thrivent Financial and Thrivent Investment Management. Moulton is a committee member of the Saginaw Chamber of Commerce. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using a variety of portfolio management options and platform arrangements.

Meredith Le Baron is a CFP® and holds a Series 66 license, with 12 years of experience in the financial industry. She has been with Edward Jones since 2013, based in Midland, MI. 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.

Jimmy Price is a financial advisor with Ameriprise in Essexville, MI, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement who meet specific asset thresholds, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement advice through a centralized consulting team, emphasizing managed accounts and algorithmic support in its recommendations.

Jeffrey Parker is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with LPL Financial since 2014. Outside of his advisory role, he is involved with the Retirement and Investment Center located at Dow Chemical Employees' Credit Union in Midland, MI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, supported by research and model portfolios, with both discretionary and non-discretionary management options.