Principles of Financial Planning

Insurance Planning

David R. Butts, CFP, CMFC, Registered Principal

David Butts professional activities have included responsibilities as the Senior Vice President of Tri-Star Trust Bank and Saginaw Bay Underwriters, the President of Saginaw Financial Planners, Inc. Dave became the first Certified Financial Planner in the Tri-Cities area and was elected to the State Board of Directors of the Institute of Certified Financial Planners. He has been a Registered Securities Principal with the Mutual Service Corporation since 1984 and a Community Education Instructor since 1982. Dave has also contributed to a wide variety of community projects and served on several local committees. David Butts is a creative, energetic and optimistic personality that has been a recognized and active community leader for over three decades in both the profit and not-for-profit arenas. He is partner/owner of one of Saginaw's largest locally owned businesses with wide range of business contacts. Dave has been a Saginaw businessman for over twenty-nine years and is an experienced Organizational Long Range Planner/Facilitator. He is well versed in marketing, sales, and public relations. He is a skilled financial manager and en energetic public speaker in the local and national aren

Investment Planning

Victor Hugo Aviles CFP, CIMA, MBA
Merrill Lynch PIA Program Portfolio Manager

Mr. Aviles is a wealth management advisor with Merrill Lynch, offering 18 years of experience providing individuals and institutions a tailored approach to investing and assists a select group of affluent clients with investment, tax, estate and wealth transfer strategies. His education includes: Wharton School of Business Investment Strategist Certificate Program, Certified Investment Management Analyst, Certified Financial Planner and is a Certified Financial Manager with Merrill Lynch. Mr. Aviles has his BA & MBA from Saginaw Valley State University.

Income Tax Planning

Robert P. Schmansky, BA, CFP, PFP

Robert P. Schmansky is a financial advisor with Focus Financial Group in Bingham Farms Michigan, a comprehensive financial planning and wealth management firm. Prior to Focus, Rob gained experience working in financial planning, income tax preparation and banking. Rob graduated with a Bachelor of Science in Human Ecology from The Ohio State University in 2002 and is a CERTIFIED FINANCIAL PLANNER™ professional. Rob is a registered representative of INVEST Financial Corporation.

Estate Planning

Employee Benefits & Retirment Planning

Justin D. Ebel, MBA
College of Business & Management Adjunct Instructor

Mr. Ebel has had experience operating in a number of financial areas. He currently works as a Commercial Loan Officer for Chemical Bank and Trust in Midland, Michigan. He prepares all SBA reports and loan documents for the Trust region, prepares and closes loans, and works with senior management preparing reports. Mr. Ebel worked as an accountant for Soaring Eagle Casino & Resort, an Investment Representative for Mutual Savings Bank, and a Bankruptcy Associate for the Law Firm of Randall L. Frank. Early in his career, Justin worked for General Motors in the costing department on LIFO and FIFO maintenance.