Advia Financial Advisors
Our Financial Advisors provide expert guidance to help you make informed decisions about your financial future. Whether you're planning for retirement, investing, or managing debt, we offer personalized solutions tailored to your goals.
Retirement Services
Plan for a secure and comfortable retirement, whether you're just starting to save or nearing retirement.
Insurance Services
Protect what matters most to you, including home, auto, and life insurance.
Wealth Management
Achieve your financial goals and build a secure future, whether you're growing your investments or protecting your assets.
Financial Management
Take control of your finances and gain a clear understanding of your income, expenses, and financial goals.
Educational Planning
Build a strong financial foundation so you can confidently support your family's educational aspirations without financial stress.
Informational Seminars
Learn about investing and retirement planning from our Financial Advisors. RSVP for our virtual event today.
Personalized Financial Planning
We understand the importance of securing your financial goals and navigating your retirement investments. Our advisors offer comprehensive wealth management services such as investing retirement money and personalized strategies to feel confident in your future.
Todd Bertsch, AIF
Financial Advisor |Serving East Michigan
I am a dedicated financial advisor with a wealth of experience supporting both individuals and businesses in managing their financial goals. I specialize in creating personalized strategies tailored to each client’s unique needs. No matter where you are in life, I offers the tools, resources, and financial products to help you build a thoughtful, goal-focused plan—developed in close collaboration with you.
Emilee Lawrence, CRPC
Financial Advisor |Serving West Michigan
As your advisor, I will help lead you into making your most important financial decisions by educating you about the solutions offered and how they fit your unique needs, making a plan to match them to your short and long term goals and help you make informed decisions on how to best execute on that plan and the decisions that come up along the way. Whether it’s wealth accumulation, retirement, legacy transfer, or planning for a different future goal, I am here to help and I look forward to collaborating with you. Your first meeting with me comes at no charge. I look forward to meeting you soon.
Josh Lock
Financial Advisor |Serving Wisconsin and Illinois
As a dedicated financial professional, I'm passionate about guiding individuals and families towards financial success. Through personalized financial planning and expert advice, I help clients achieve their goals and build a strong financial foundation. With a deep commitment to understanding each client's unique needs, I provide tailored solutions that address their specific circumstances. Whether you're starting a family, planning for retirement, or navigating life's unexpected twists and turns, I'm here to guide you every step of the way. Together, we'll create a personalized financial roadmap that aligns with your aspirations and helps you make informed decisions.
Madeleine Camilli
Investment Representative |Serving West Michigan
I help members achieve financial security through personalized strategies for saving, investing, and retirement planning. My mission is to simplify complex financial decisions and offer clear, actionable guidance—empowering clients to build wealth and protect their future. Whether you're preparing for a major life milestone or simply looking to make more informed financial choices, I'm here to support you every step of the way.
Let's chat.
Schedule an appointment with one of our Financial Advisors, and they'll be happy to answer your questions about retirement planning, estate conservation, investment planning, or anything else you need help with.
Advia Financial Advisors FAQs: Your Questions Answered
Absolutely we can! The earlier you start, the easier it becomes. We have access to special accounts designed to help you save for college.
Creating estate documents, including trust documents, should be done by a legal professional. Advia Financial Advisors can offer access to a professional to help you with this. While we don’t create these documents, we can assist you in implementing them for your investment accounts.
The type of account in which the cash is held determines the options available. We offer access to insured cash accounts to ensure security. The Federal Deposit Insurance Corporation (FDIC) protects deposits of up to $250,000 per depositor. FDIC covers most, but not all, U.S. banks and savings association in the event that the institution becomes insolvent. FDIC does not cover securities, mutual funds, or similar types of investments. For more information about FDIC insurance, visit www.fdic.gov.
The best choice between monthly payments and a lump sum from your pension depends on your individual circumstances. We can help you make an informed decision based on your specific retirement needs and goals.
We understand that transitioning to a new job—or even retiring—can feel overwhelming. A plan participant leaving an employer typically has four options, each choice offering advantages and disadvantages: 1) Leave the money in his/her former employer’s plan if permitted, 2) Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted, 3) Rollover to an IRA or 4) Cash out the account value. Our advisors can provide rollover services and seek to maximize your funds.
A Roth IRA* allows you to contribute after-tax dollars and withdraw funds tax-free in retirement. A traditional IRA** uses pre-tax contributions, but withdrawals are taxed as ordinary income. Since rules vary, it’s smart to consult an advisor. Retirement goals differ for everyone, so we offer tools to better help members understand risk tolerance and who they are as clients. To find the best options for you, schedule a meeting with our advisors—they can help find the retirement vehicle to appropriate for your needs.
* A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
** Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 may result in a 10% IRS penalty tax in addition to current income tax.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Advia Credit Union and Advia Financial Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Advia Financial Advisors, and may also be employees of Advia Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Advia Credit Union or Advia Financial Advisors. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Advia Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Advia Credit Union for these referrals. This creates an incentive for Advia Credit Union to make these referrals, resulting in a conflict of interest. Advia Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.