Timothy Crawford is a CFP® and ChFC® with 31 years of experience in the financial services industry. He is the principal of Tim Crawford CPA, an independent firm he has led since 2002. Prior to founding his firm, he worked for nine years at GWN Securities Inc. Outside of advisory work, he serves as president of TIM CRAWFORD, CPA, PC, which provides tax preparation and accounting services. Tim Crawford CPA is a CPA-based independent registered investment adviser serving individual, high-net-worth, corporate, and retirement plan clients. The firm combines accounting and insurance services with investment advisory work, referring clients to third-party managers and managing a broad investment universe without trading or holding custody of client assets.

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.

Matthew Starke is a Series 66-licensed financial advisor with 16 years of industry experience. He has been with Great Lakes Retirement Solutions, Inc. since 2013, following three years at Professional Analysts, LLC. Outside of his advisory role, he serves as treasurer for Jolt Credit Union and sells life, disability, fixed, and equity indexed annuities. Great Lakes Retirement Solutions works with individual and high-net-worth clients as well as business entities, providing portfolio management, financial planning, and coordination of third-party investment advisers. The firm’s investment approach uses individualized asset allocation based on Modern Portfolio Theory, with ongoing monitoring and client reviews, and oversees a notable amount of assets through third-party managers.

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.

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.

Richard Marotzke Jr. is a financial advisor with Richmark Private Wealth Management in Frankenmuth, MI, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His work history includes roles at Berthel Fisher & Company Financial Services, Alta Holdings, and Michigan Valley Insurance Agency. He is also involved in providing alternative property and casualty insurance coverage for high-net-worth clients through Alta Holdings. Richmark Private Wealth Management serves individual clients, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm provides portfolio management, financial planning, and consulting services using a variety of investment approaches and offers both discretionary and non-discretionary account management.

Ronald Haller is a financial advisor at RichMark Private Wealth Management with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at USA Financial Securities Corporation. He is also involved in business coaching through The Alternative Board, a fellowship of entrepreneurs. RichMark Private Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other advisers by providing portfolio management, financial planning, and consulting services. The firm customizes strategies using various analysis methods and manages accounts both directly and through third-party platforms.

Zechariah Marotzke is a financial advisor at Richmark Private Wealth Management with one year of industry experience. He holds a Series 65 designation and has previously worked at Smile America, University Lutheran Chapel, Q3 Asset Management, and the University of Michigan. Richmark Private Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other advisers by offering portfolio management, financial planning, and consulting services. The firm customizes investment strategies using various analysis methods and manages accounts both directly and through sub-advisers.

Blaise Zimmer is a financial advisor at Richmark Private Wealth Management with six years of industry experience. He holds a Series 65 designation and has previously worked in public school education. Outside of his advisory role, Zimmer owns a tree farm. Richmark Private Wealth Management serves individual clients, retirement plans, trusts, estates, and business entities, offering portfolio management and financial planning using a variety of investment methods and ongoing client review.

Kevin Sims is a financial advisor with Richmark Private Wealth Management in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Richmark in 2019, he worked at Capfinancial Securities, LLC and Captrust Financial Advisors. He is also licensed in insurance and has been involved in insurance sales since 1993. Richmark Private Wealth Management serves a diverse client base including individuals, retirement plan participants, trusts, estates, and charitable organizations. The firm offers customized portfolio management and financial planning services, employing various analytical methods and both long- and short-term trading strategies, while managing accounts directly and through third-party platforms.

Mark Vanvoorhees is a CFP® with 31 years of industry experience and has been with Belpointe Asset Management LLC since 2019. Prior to Belpointe, he worked at Richmark Private Wealth Management and Berthel Fisher & Company Financial Services, Inc. He teaches personal financial planning part-time at various universities and serves on the board of the Ignite the Arts Foundation, a nonprofit supporting arts development in Michigan. Belpointe Asset Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, trusts, and other advisers. The firm offers customized discretionary portfolio management and financial planning services, combining passive, active, and tactical strategies to meet client objectives across roughly 7,300 client relationships.

William Schmidt is a financial advisor at Belpointe Asset Management LLC with 14 years of industry experience. He holds the Series 66 designation and has worked with Belpointe since 2019, following 11 years at Premier Estate Planners, LLC. Outside of his advisory work, Schmidt owns and operates 1st College Planning Inc., providing college planning services. Belpointe Asset Management is a multi-team registered investment adviser managing approximately $7.6 billion in client assets through a network of 174 advisors. The firm offers discretionary investment management, financial planning, and retirement-plan consulting to individuals, institutions, and other advisers, utilizing customized portfolios that combine passive, active, tactical, and blended strategies.

Robert Britton is a financial advisor with Creative Financial Designs, Inc. in Frankenmuth, MI, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Creative Financial Designs since 2014 and also owns Robert H Britton & Associates, LLC, which provides financial planning and related services. Creative Financial Designs serves a wide range of clients including individuals, charitable organizations, corporate clients, and employer retirement plans, offering discretionary and non-discretionary investment management alongside comprehensive financial planning. The firm utilizes asset-class model allocations based on third-party research and offers strategies ranging from passive ETFs to tactically managed portfolios, including a suite of Biblical Responsible Investing options.

Paul Costa is a financial advisor at Corecap Advisors with 41 years of industry experience. He holds Series 63 and Series 66 designations. Outside of his advisory role, Costa is involved in insurance sales, specializing in life insurance, fixed annuities, and equity-indexed annuities. Corecap Advisors provides discretionary investment and portfolio management along with standalone financial planning to individuals, self-directed retirement accounts, pension and profit-sharing plans, trusts, estates, and corporations. The firm employs a relationship-oriented, individualized approach with a long-term investment horizon, using a variety of investment vehicles and sub-advisors to manage client portfolios.

John Hereza is a financial advisor with PNC Wealth Management in Saginaw, MI, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked with PNC Bank since 2010 and PNC Investments since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees. The firm uses algorithmic risk assessments to guide portfolio strategy with implementation by approved third-party managers, focusing on mutual funds and ETFs with annual rebalancing.

Liu Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Liu is also president of Synergy CPA Tax & Financial Services LLC, where they provide tax preparation, accounting, and consulting services. Their prior work includes 12 years at the State of Michigan and ongoing roles with WFGIA and Transamerica Financial Advisors. Transamerica Financial Advisors serves individual investors, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services, including fee-based wrap programs, model portfolios, and access to third-party money managers.

Grayson Miller is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has worked in various roles across several companies, including Aptiv, Arbor Research and Trading, and United Wholesale Mortgage. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm employs ETF-based model portfolios supplemented by third-party money managers and offers a combination of advisory, brokerage, mortgage, and insurance services through affiliated entities.