William Dijak is a CFP® professional with 29 years of industry experience, currently advising at OSAIC Wealth Inc. He has previously worked at The Graczyk-Dijak Financial Group, Harbour Investments, Inc., and NEXT Financial Group, Inc. Outside of his advisory role, he serves as an assistant basketball coach at Bay City Western High School. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

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.

Matthew Mieske is a CFP® professional with 25 years of experience at LPL Financial. Based in Freeland, MI, he has worked at LPL since 2001. Outside of his advisory role, Mieske serves as a radio color commentator for the Great Lakes Loons, a Midwest League professional baseball team. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Daniel Boehler is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC and VOYA Financial Advisors. Outside of advisory work, he is a licensed public notary and holds agency licenses to sell life, health, long-term care, and disability insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across various asset classes.

Zachary Moulton is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. His prior roles include positions at Thrivent Financial and Thrivent Investment Management. He serves as a committee member of the Saginaw Chamber of Commerce and works as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services. The firm manages assets across multiple platforms and custodians and offers both discretionary and non-discretionary management alongside proprietary model strategies.

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 in Midland, MI, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Hantz Financial Services, Inc. He is also associated with the Retirement and Investment Center located at Dow Chemical Employees' Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by various technology tools and a broad array of financial products.

Dale Jurek is a financial advisor with Raymond James & Associates in Saginaw, MI, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. 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 consulting services through various advisory programs.

Kraig Pendleton is a financial advisor with Morgan Stanley, holding a Series 66 license and 18 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2014-2015. Pendleton also serves as a trustee in a trust based in Rockford, Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Kayla Lange is a financial advisor with Morgan Stanley in Saginaw, MI, holding a Series 66 designation and 13 years of industry experience. She has been with Morgan Stanley since 2009 and has worked specifically with Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and economic modeling techniques.

Brian Abraham is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 20 years of industry experience, including roles at Wells Fargo Clearing prior to joining Raymond James in 2018. 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, including individuals, institutional clients, and municipal entities, offering financial planning and investment consulting primarily through non-discretionary relationships.

Brook Maziasz is a financial advisor at MassMutual Investors Services with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual Life Insurance Co and Soho. Outside of advising, he is involved in retail sales and works as a health insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and an event-driven approach for various planning services.

Thomas Twardecki III is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. His prior work includes roles at Home Depot, YMCA, and several educational institutions. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved tools to develop goal-based recommendations without discretionary authority.

Olivia Zwetzig is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, she worked at Common Sail Investment Group and spent 15 years at Dow Chemical Company. 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, supported by a large network of financial advisors and branch offices nationwide.

Richard Nelsen is a financial advisor with Cetera, holding the CFP® and Series 66 credentials and bringing 19 years of industry experience. He has been associated with Cetera since 2009 and previously operated his own financial planning and tax-related businesses. Outside of his advisory work, Nelsen serves as co-chairman of a local high school reunion committee. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, employer-sponsored, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting advisers with various program options and access to affiliated and unaffiliated investment managers.

Andrew Zietz is a financial advisor with Thrivent Investment Management in Frankenmuth, MI, holding a Series 66 designation and 20 years of industry experience. He has been with Thrivent Financial for Lutheran and Thrivent Investment Management since 2005. Outside of his advisory role, he is a one-third owner of SLIM Holdings, LLC, a property holding company in Frankenmuth. 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 focused on various financial topics without discretionary trading authority, combining planning with managed-account programs under a consolidated billing option.

James Munn is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2010. Outside of advising, he operates an independent insurance agency and is involved in a family farming enterprise selling eggs. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base, offers multiple account platforms, and develops proprietary model strategies under the Founders Gate Capital brand.