Mark Reitz is a CFP®-certified financial advisor with 15 years of industry experience. He founded and has managed Reitz Capital Advisors LLC since 2013. Outside of his advisory role, he is involved in health insurance through a partial ownership in Mayan Group Benefits and operates an insurance agency, Mayan Agency. Reitz Capital Advisors provides investment management, financial planning, and consultation services to a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporations, and government entities. The firm employs a long-term investment approach based on strategic, diversified asset allocation informed by Modern Portfolio Theory and fundamental analysis.

Mark Recker is the principal of Recker Financial LLC and holds a Series 66 designation with 15 years of industry experience. Prior to founding his firm in 2018, he worked at Hantz Financial Services from 2010 to 2018. He is also a minority owner of Maurer Meat Processors in Ubly, Michigan, where he assists with financial management. Recker Financial serves individual clients, including high-net-worth households, offering discretionary portfolio management and a range of financial planning services. The firm employs a Modern Portfolio Theory-based investment approach focused on passive, asset-allocation portfolios using index funds and ETFs, and provides ongoing comprehensive and hourly planning options.

Lee Fickes is a financial advisor at Professional Analysts, LLC with 55 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to his current role, he was affiliated with Osaic Wealth, Inc. and Triad Advisors, Inc. In addition to financial advising, he owns and operates a tax preparation service. Professional Analysts, LLC provides fee-based financial planning and discretionary portfolio management primarily for individual clients. The firm’s investment approach is based on Modern Portfolio Theory and deliberate asset allocation, with a mixed business model that includes broker-dealer and insurance affiliations as well as limited tax-return services.

Christopher Kuligowski is the sole advisor at Kuli Capital Management in Saginaw, MI, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has led Kuli Capital Management since its founding in 2010. Kuli Capital Management provides fee-based investment advisory and financial planning services to individual clients as well as institutional clients such as credit unions and municipalities. The firm utilizes a tactical allocation approach that incorporates both fundamental and technical analysis across a broad range of public securities to manage risk and pursue performance.

David Becker is a ChFC® with 37 years of industry experience, currently serving at Great Lakes Retirement Solutions, Inc. since 2025. He previously worked at Securities Equity Group for 15 years and has operated Premier Financial Group since 1999. Becker is president of Mid Michigan Teen Challenge, a Christian rehabilitation organization. Great Lakes Retirement Solutions serves individual and corporate clients with portfolio management, financial planning, and third-party adviser placement. The firm uses Modern Portfolio Theory for asset allocation and offers both discretionary and non-discretionary management, often engaging in co-adviser arrangements to support client oversight.

Erik Thompson is a financial advisor at Mid Michigan Insurance and Financial Services LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Bankers Life Securities Inc and Banker's Life and Casualty since 2011. In addition to his advisory role, Thompson serves as a branch manager, overseeing insurance sales and training new agents. Mid Michigan Insurance and Financial Services is a small, two-advisor firm providing investment advisory and financial planning services to individuals, trusts, companies, and pension plans. The firm offers written financial plans, consultations, managed model-portfolio solutions through third-party managers, and life insurance and annuity products, primarily operating on a non-discretionary basis.

Matthew Starke is a financial advisor with Great Lakes Retirement Solutions, Inc. in Saginaw, MI, holding a Series 66 designation and 15 years of industry experience. He has been with Great Lakes Retirement Solutions LLC since 2013. Outside of advising, he serves as treasurer for Jolt Credit Union. Great Lakes Retirement Solutions serves individual and institutional clients, offering portfolio management, financial planning, and third-party adviser placement. The firm employs individualized asset allocation based on Modern Portfolio Theory and supports client relationships through ongoing monitoring and periodic reviews.

Paul Card is a Series 65-licensed financial advisor with Great Lakes Retirement Solutions, Inc. in Midland, MI, where he has worked since 2018. He also has over 20 years of experience with Smith & Co, CPA's, PLC, an accounting firm where he provides certified public accountant services. Great Lakes Retirement Solutions serves individual clients, including high-net-worth individuals, as well as corporations and business entities, offering portfolio management and financial planning. The firm employs individualized asset allocation based on Modern Portfolio Theory and often uses co-adviser arrangements to support client relationships.

Bradley Montgomery is a financial advisor with Great Lakes Bay Financial in Saginaw, MI, holding a Series 66 designation and 18 years of industry experience. He has worked at firms including Richmark Private Wealth Management and Berthel Fisher & Company Financial Services. Outside of advisory work, he has a long-standing role as a sales associate at Home Depot and is also involved in independent insurance sales. Great Lakes Bay Financial provides discretionary asset management, financial planning, and consulting services to a diverse client base including individuals, high-net-worth clients, trusts, estates, charitable organizations, and businesses. The firm uses documented client objectives and risk profiles to guide investment decisions and offers portfolio management alongside hourly financial planning.

Suellen Estes is a financial advisor with Great Lakes Bay Financial in Saginaw, MI, holding Series 63 and Series 65 licenses and 40 years of industry experience. Her prior roles include positions at Belpointe Asset Management, Richmark Private Wealth Management, BFC PLANNING, and Berthel Fisher & Company Financial Services. She is also an independent insurance agent, although she spends little time on insurance sales. Great Lakes Bay Financial provides discretionary asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm uses fundamental and technical analysis to guide portfolio management and offers both ongoing asset management and hourly financial planning engagements.

Steven O'mara is a Series 65-licensed financial advisor with six years of industry experience. He is the sole advisor at Brown Financial Planning LLC in Bay City, MI, and has worked concurrently at Fisher Contracting since 1996. Brown Financial Planning LLC is a fee-only registered investment adviser serving individuals, including high-net-worth households, as well as small businesses and non-profits. The firm primarily manages accounts on a non-discretionary basis, utilizing both fundamental and technical analysis across a range of investment strategies.

Nathan Brown is a CFP® and holds a Series 65 license with 12 years of industry experience. He is the principal of Brown Comprehensive Financial LLC and currently works at Brown Financial Planning LLC. Brown has worked in the financial services industry since 2003 and has been involved with multiple firms, including Alphanso, Inc. and Origin Financial. Brown Financial Planning is a fee-only advisory firm that primarily serves individual clients, including both high-net-worth and non-HNW households, along with some small business and nonprofit accounts. The firm provides portfolio management on a non-discretionary basis and comprehensive financial planning, utilizing both fundamental and technical investment analysis.

Zachery Smith is a financial advisor at Great Lakes Retirement Solutions, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual and Richmark Private Wealth Management. In addition to his advisory role, he is a licensed life insurance agent operating under Premier Financial Group, where he assists clients with insurance coverage decisions. Great Lakes Retirement Solutions, Inc. serves individual clients, including high-net-worth individuals, as well as corporations and business entities, providing portfolio management, financial planning, and third-party adviser placement. The firm employs Modern Portfolio Theory in constructing and monitoring portfolios and offers both discretionary and non-discretionary management, often utilizing co-adviser arrangements to support client relationships.

Jeffrey Brink is a financial advisor at DBS Investment Advisers, LLC with 11 years of industry experience. He holds a Series 65 designation and has worked in dental practice roles alongside his advisory career. Brink continues to practice dentistry, seeing patients four days per week. DBS Investment Advisers, LLC provides portfolio management, financial planning, and pension consulting primarily for individuals and retirement plans. The firm uses diversified mutual fund and ETF allocations guided by modern portfolio theory, offering both discretionary and non-discretionary management tailored to client objectives and risk tolerance.

Regan Duperon is a financial advisor at DBS Investment Advisers, LLC with one year of industry experience. He holds the Series 65 designation and has been with DBS Investment Advisers since 2016. DBS Investment Advisers, LLC provides portfolio management, financial planning, and pension consulting to individuals, including high-net-worth clients, and retirement plans. The firm uses diversified allocations primarily in mutual funds and ETFs guided by modern portfolio theory and offers both discretionary and non-discretionary management through firm-developed or third-party model portfolios.

Theodore Schumann II is a CFP® and holds a Series 65 license with 16 years of industry experience. He has been with DBS Investment Advisers, LLC since 2010 and previously worked at Act Two Financial Advisors, LLC from 2021 to 2024. Outside of financial advising, he is involved in event planning and marketing through Great Lakes Events and Marketing, LLC, and has ownership interests in a real estate brokerage, intellectual property entity, and multiple Little Caesars franchise locations. DBS Investment Advisers, LLC provides portfolio management, financial planning, and pension consulting to individuals, including high-net-worth clients, and retirement plans. The firm employs diversified allocations mainly using mutual funds and ETFs, guided by modern portfolio theory and longer-term strategies, with portfolios tailored to client objectives, risk tolerance, and liquidity needs.

Taylor Hemphill is a financial advisor at Vertis Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has worked at Vertis Wealth and its predecessor firm since 2019. Outside of advisory work, he is an insurance agent, offering health and life insurance products. Vertis Wealth, LLC provides asset management and financial consulting services to individuals, charitable organizations, and corporations. The firm uses a long-term, value-oriented investment approach combined with strategic asset allocation, option strategies, and individualized portfolio management.

Jonathan Gardey is a CFP® and CFA® with 15 years of industry experience. He is currently affiliated with Modern Wealth Management, LLC and has been involved with Gardey Financial Advisors LLC and Harrow Holding Group LLC since 2000. Outside of his advisory roles, he serves as Chairman of the Investment Committee for Covenant Health Care, overseeing the hospital’s insurance reserves, endowment, and pension funds. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, retirement plans, and corporations. The firm employs a centralized portfolio management model and offers a range of services such as discretionary investment management, tax and estate planning, and ERISA plan support.

Jeffery Gosen is a financial advisor at Founders Financial Securities LLC with 37 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to his current role, he has operated Gosen Investments, LLC since 2013. Outside of finance, he is a joint owner of a family farm in Saginaw, Michigan. Founders Financial Securities serves a broad range of clients, including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement consulting, and access to third-party asset managers, utilizing various investment programs and a combination of advisory, brokerage, and insurance services.

Eric Sowatsky is an investment advisor representative with Avantax Planning Partners, Inc. He holds the PFS™ designation and has two years of industry experience. Prior to joining Avantax in 2023, he worked at Yeo & Yeo Wealth Management LLC and has been involved with several affiliated entities including a CPA firm where he serves as principal and head of the Saginaw tax department. He is also a member of the Michigan Agribusiness Association Grain Committee. Avantax Planning Partners provides investment advice and financial planning primarily to individuals, pension and profit-sharing plans, charitable organizations, and businesses through collaborative referral arrangements with independent CPA firms and registered advisor representatives. The firm employs model-based style allocation strategies with discretionary portfolio management and offers tax-intelligent overlays, operating within a larger corporate group that includes broker-dealer, investment adviser, insurance, and pension consulting affiliates.