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.

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.

Daniel Waskiewicz is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2011. He holds the Series 66 designation and operates out of Frankenmuth, MI. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a diverse range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, with a focus on strategic asset allocation, manager selection, and tailored performance reporting.

Byron Swarts is a financial advisor at Oppenheimer with 14 years at the firm and 11 years of industry experience. He holds the Series 66 designation. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, consulting, and retirement planning.

Douglas Kline is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Fahnestock & Co., Inc. since 1999. Outside of his advisory work, he is a partner and landowner involved in farmland rental. Oppenheimer serves individuals, corporations, and various institutional clients with a broad range of investment programs including asset management, consulting, and retirement services. The firm manages both discretionary and non-discretionary portfolios across equity, balanced, and fixed-income strategies, and maintains custody of client assets while operating its broker-dealer and advisory businesses.

Matthew Koch is a financial advisor with Centaurus Financial, Inc., holding Series 63, 65, and 66 credentials and 39 years of industry experience. He has been with Centaurus Financial since 2001. Koch serves as a Tuscola County Commissioner and is involved with AFLAC insurance policies as a registered principal. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements.

Jacquelyn Korpal Beyer is a financial advisor at Empower Advisory Group with two years of industry experience. She holds the Series 66 and Series 63 designations. Prior to joining Empower, she worked at J.P. Morgan Securities LLC and PNC Financial Group. Outside of her advisory role, she has operated Jacqui B's Greenhouse for over 20 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Edward Foltz is a financial advisor with Cetera in Frankenmuth, MI, holding a Series 63 designation and 28 years of industry experience. He has held roles at Cetera Advisors LLC since 2013 and has been involved with multiple financial services and insurance firms, including Rummel Benefits Group and Income Planning Services. Outside of his advisory work, Foltz participates in traditional Bavarian dance through Frankenmuth Schuhplattler LLC and serves on the board of governors for the Frankenmuth Community Foundation. Cetera Investment Advisers LLC is an SEC-registered firm offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves a diverse client base including individuals, employer-sponsored plans, corporate and charitable entities, and institutional accounts, utilizing a multi-manager platform with various discretionary and non-discretionary program options.

David Mc Govern is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he served 27 years with the Drug Enforcement Administration. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment strategies and advisory services supported by a large national network of advisors and branch offices.

David Bellsky is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has worked at LPL Financial since 2020 and previously served at Sigma Financial Corp from 2016 to 2020. Bellsky is also affiliated with Frankenmuth Credit Union, where he acts as an agent for fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, combining scale and diverse financial services alongside its advisory platform.

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.

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.

Nicholas Bliss is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he co-owns a financial services corporation and is involved in managing client relationships and staff. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, complex affiliate network, and recent consolidation activity.

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.

Frank List is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He is approved to conduct other insurance activities with companies outside of the Equitable network. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Steven Masker is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Sigma Financial Corp for 13 years and Frankenmuth Credit Union for over two decades. Masker also serves as a relationship manager for a credit union trust and is an agent for life and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary research and third-party strategies.

Michael Southgate is a financial advisor at Edward Jones in Frankenmuth, MI, holding a Series 66 designation with 16 years of industry experience, all with Edward Jones since 2010. Outside of advising, he is involved as treasurer and co-owner of Pine Island Association LLC and owns Pine Island Design LLC, a design studio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs under a fiduciary standard.

Collin Reinert is a financial advisor with LPL Financial based in Frankenmuth, MI, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at Frankenmuth Credit Union and Central Michigan University, as well as five years at Kern's Sausage. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive advisor tools and a broad non-advisory financial services platform.

Spencer Schneider is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. His previous roles include positions at Sorrento Pacific Financial, Thumb Bank & Trust, and United Wholesale Mortgage. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Monica Cronin is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2021, with prior experience at Northpointe OBGYN. Outside of her advisory role, she manages Happy Stance Ranch, a hobby farm where alpacas are raised and their fiber is processed into yarn for local knitters. 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 and investment solutions supported by a large nationwide network of financial advisors.

Eric Baarck is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. He serves as a board member of the Frankenmuth Conservation Club, which provides hunter safety courses and promotes natural resource conservation. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other planning topics without providing implementation services or discretionary portfolio management.

Andrew Booms is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Thrivent, he worked in professional sports catering and Michigan radio communications. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across various financial topics and offers a combined planning and managed-account service called WealthPlan.

David Pendleton is a financial advisor with Morgan Stanley in Frankenmuth, MI, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014. Pendleton serves as a director of Frankenmuth Mutual Insurance Co. and holds board positions with the St. Lorenz Foundation and the Frankenmuth Community Foundation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Elaine Parlberg is a financial advisor with LPL Financial in Frankenmuth, MI. She holds a Series 66 designation and has 17 years of industry experience. Her career includes roles at Frankenmuth Credit Union, SPC, Sigma Financial Corporation, Mutual of Omaha Investor Services, and Thrivent Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supported by a large network of investment adviser representatives.

William Lackowski is a financial advisor with Ameriprise who holds a Series 66 designation and has 17 years of industry experience. He has been with Ameriprise and its related entities since 2007. Outside of his advisory role, he owns and operates WJL Enterprises Inc., a business formed for cash flow and accounting purposes. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Jonathan Cummings is a CFP® professional with 10 years of experience in the financial services industry. He has been with Edward Jones since 2016. 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 options, including managed solutions, separately managed accounts, and affiliated mutual funds, with a nationwide network of financial advisors and branch offices.

Timothy Lyons Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His career includes roles at Cetera and Independent Bank. Outside of his advisory work, he coaches basketball at Kingston Community Schools. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advice supported by advanced analytical tools and maintains unique services such as municipal advisory support and SIMPLE IRA Employer Advisory programs.

Cole Launius is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has previously worked at Epitec, Dort Financial Credit Union, Nestle, UPS, and Big Johns. Launius is based in Frankenmuth, Michigan. 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 and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and asset management services separate.

Shanna Jacobs is a financial advisor with Morgan Stanley, holding a Series 66 designation and five years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2020, and previously was employed at Hastings Mutual Insurance Company. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Stephen List is a financial advisor at Equitable Advisors in Frankenmuth, MI, with 51 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory platforms.

Doyle Webb is a CFP® and holds a Series 66 license, with seven years of industry experience. He has been with Edward Jones since 2018 and previously worked in landscaping and hospitality roles in Frankenmuth, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Colin Maurer is a CFP® and holds a Series 66 license with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors.