Michigan Schools & Government Credit Union
Industry: Financial services company
DescriptionThe Michigan Schools and Government Credit Union is headquartered in Clinton Township, Michigan, and has a membership size of more than 125,000 and assets of over $2 billion as of January 2019. MSGCU was founded in 1954 and is a not-for-profit financial institution, which is owned and operated by its members. Headquarters: Clinton Charter Township, MI Number of locations: 14 full-service branches; 5,000 Service Centers nationwide Founded: 1954
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Michigan Schools & Government Credit Union Employees
Employee
Years
Job
Industry
Kristina Buck, CPA Kristina Buck, CPA's Michigan Schools & Government Credit Union Experience March 2014 - Present
Job Accounting Analyst at MSGCU
Industry Accounting
Experience
Michigan Schools & Government Credit Union March 2014 - Present
PwC January 2012 - February 2014
Entertainment Promotions July 2009 - December 2011
Altair Engineering May 2008 - June 2009
Skills
Financial Reporting, Accounting, General Ledger, US GAAP, Account Reconciliation, Accruals, Financial Analysis, Internal Controls, Accounts Payable, Auditing, GAAP, Tax Accounting, Variance Analysis, Member of AICPA
Education
Oakland University 2005 — 2010
Master of Accountancy, Accounting
Michigan Schools & Government Credit Union March 2014 - Present
PwC January 2012 - February 2014
Entertainment Promotions July 2009 - December 2011
Altair Engineering May 2008 - June 2009
Skills
Financial Reporting, Accounting, General Ledger, US GAAP, Account Reconciliation, Accruals, Financial Analysis, Internal Controls, Accounts Payable, Auditing, GAAP, Tax Accounting, Variance Analysis, Member of AICPA
Education
Oakland University 2005 — 2010
Master of Accountancy, Accounting
Candice N Manning Candice N Manning's Michigan Schools & Government Credit Union Experience December 2004 - November 2006
Job Client Service Representative Zagata Agency
Industry Insurance
Experience
Zagata Agency March 2015 - Present
Stewart Lender Services April 2013 - March 2015
Detroit Metropolitan Credit Union March 2011 - April 2013
Mortgage Center November 2006 - July 2010
Michigan Schools & Government Credit Union December 2004 - November 2006
Caribou Coffee January 2000 - January 2004
Skills
Credit Unions, Strategic Planning, Management, Customer Service, Marketing, Finance, Loans, Business Development, Banking, Selling, Credit, Mortgage Lending, Mortgage Banking, Team Building, Analysis, Loan Origination, Sales
Education
Eastern Michigan University 1997 — 2002
Bachelor of Arts, Communications
Zagata Agency March 2015 - Present
Stewart Lender Services April 2013 - March 2015
Detroit Metropolitan Credit Union March 2011 - April 2013
Mortgage Center November 2006 - July 2010
Michigan Schools & Government Credit Union December 2004 - November 2006
Caribou Coffee January 2000 - January 2004
Skills
Credit Unions, Strategic Planning, Management, Customer Service, Marketing, Finance, Loans, Business Development, Banking, Selling, Credit, Mortgage Lending, Mortgage Banking, Team Building, Analysis, Loan Origination, Sales
Education
Eastern Michigan University 1997 — 2002
Bachelor of Arts, Communications
Andrea Dahl Andrea Dahl's Michigan Schools & Government Credit Union Experience April 2007 - November 2008
Job Student Assistant Library at Collin County Community College
Industry Financial Services
Experience
Collin County Community College November 2012 - Present
Intouch Credit Union January 2012 - September 2012
InTouch Credit Union June 2009 - December 2011
Plano Sports Authority February 2009 - August 2009
Michigan Schools & Government Credit Union April 2007 - November 2008
Michigan Schools & Government Credit Union November 2004 - April 2007
Michigan Schools & Government Credit Union September 2002 - November 2004
Michigan Schools & Government Credit Union March 2002 - September 2002
The Annis Group, Inc. August 2001 - February 2002
Potestivo & Associates, P.C. March 2000 - August 2001
Skills
Customer Service, Outlook, Financial Analysis, Microsoft Office, Access, SQL, Accounts Payable, Account Reconciliation, Process Improvement, Finance, Microsoft Word, Auditing, Microsoft Excel, Accounting, Journal Entries, Banking, Credit Unions, Financial Reporting, Risk Management, General Ledger, Budgets, Business Analysis, Analysis
Education
Walsh College 2003 — 2006
Master of Science in Finance
Walsh College 2000 — 2002
BBA
Macomb Community College 1997 — 2000
Associate of Applied Science
Collin County Community College
Collin County Community College November 2012 - Present
Intouch Credit Union January 2012 - September 2012
InTouch Credit Union June 2009 - December 2011
Plano Sports Authority February 2009 - August 2009
Michigan Schools & Government Credit Union April 2007 - November 2008
Michigan Schools & Government Credit Union November 2004 - April 2007
Michigan Schools & Government Credit Union September 2002 - November 2004
Michigan Schools & Government Credit Union March 2002 - September 2002
The Annis Group, Inc. August 2001 - February 2002
Potestivo & Associates, P.C. March 2000 - August 2001
Skills
Customer Service, Outlook, Financial Analysis, Microsoft Office, Access, SQL, Accounts Payable, Account Reconciliation, Process Improvement, Finance, Microsoft Word, Auditing, Microsoft Excel, Accounting, Journal Entries, Banking, Credit Unions, Financial Reporting, Risk Management, General Ledger, Budgets, Business Analysis, Analysis
Education
Walsh College 2003 — 2006
Master of Science in Finance
Walsh College 2000 — 2002
BBA
Macomb Community College 1997 — 2000
Associate of Applied Science
Collin County Community College
Sameer Barua Sameer Barua's Michigan Schools & Government Credit Union Experience September 2003 - August 2006
Job Capital Markets Data Analyst at Quicken Loans
Industry Financial Services
Experience
Quicken Loans October 2013 - Present
Quicken Loans June 2012 - October 2013
Gift Side Story November 2010 - May 2012
Swartz, Izenson & Associates, P.C. January 2009 - December 2009
Mellen, Smith & Pivoz, PLC August 2007 - 2008
Cusmano & Co., P.C. August 2006 - August 2007
Michigan Schools & Government Credit Union September 2003 - August 2006
Skills
Tax Accounting, Auditing, Financial Accounting, Website Development, Cubase, Microsoft Office, Windows 7, Adobe Creative Suite, Goldwave, Music Theory, Music Production, Video Editing, Public Speaking, Accounting, Tax, Photoshop, Songwriting, Writing, Financial Reporting, Audio Engineering, Studio Recording, Sound Design, Windows, Music Industry, PowerPoint, Outlook, Recording, Music, Adobe Acrobat, Graphic Design, Mastering, Customer Service, Film Scoring, GAAP, Audio Post Production, Guitar, HTML, Remixing, Investor Reporting, General Ledger, Financial Statements, Composition, Mixing, Microsoft Excel, Microsoft Word, Analysis, Finance, Business Strategy, QuickBooks, Microsoft SQL Server
Education
Walsh College of Accountancy and Business Administration 2014 — 2018
Master of Business Administration (MBA), Master of Science Information Technology Leadership (MSITL), Information Technology Project Management, 3.83 / 4.0
Oakland University 2003 — 2006
B.S., Accounting
Michigan State University 2001 — 2003
Telecommunications
Avondale High School 1997 — 2001
Quicken Loans October 2013 - Present
Quicken Loans June 2012 - October 2013
Gift Side Story November 2010 - May 2012
Swartz, Izenson & Associates, P.C. January 2009 - December 2009
Mellen, Smith & Pivoz, PLC August 2007 - 2008
Cusmano & Co., P.C. August 2006 - August 2007
Michigan Schools & Government Credit Union September 2003 - August 2006
Skills
Tax Accounting, Auditing, Financial Accounting, Website Development, Cubase, Microsoft Office, Windows 7, Adobe Creative Suite, Goldwave, Music Theory, Music Production, Video Editing, Public Speaking, Accounting, Tax, Photoshop, Songwriting, Writing, Financial Reporting, Audio Engineering, Studio Recording, Sound Design, Windows, Music Industry, PowerPoint, Outlook, Recording, Music, Adobe Acrobat, Graphic Design, Mastering, Customer Service, Film Scoring, GAAP, Audio Post Production, Guitar, HTML, Remixing, Investor Reporting, General Ledger, Financial Statements, Composition, Mixing, Microsoft Excel, Microsoft Word, Analysis, Finance, Business Strategy, QuickBooks, Microsoft SQL Server
Education
Walsh College of Accountancy and Business Administration 2014 — 2018
Master of Business Administration (MBA), Master of Science Information Technology Leadership (MSITL), Information Technology Project Management, 3.83 / 4.0
Oakland University 2003 — 2006
B.S., Accounting
Michigan State University 2001 — 2003
Telecommunications
Avondale High School 1997 — 2001
Dave Valente Dave Valente's Michigan Schools & Government Credit Union Experience February 2003 - August 2006
Job Impound Coordinator at A & M Towing
Industry Automotive
Experience
A & M Towing September 2009 - Present
D & D Central ATM February 2007 - Present
Detroit Ignition July 2008 - July 2009
A & M Service Center June 2007 - December 2008
Detroit Ignition May 2008 - July 2008
Detroit Ignition November 2007 - April 2008
Michigan Schools & Government Credit Union February 2003 - August 2006
Special Olympics Michigan January 2006 - April 2006
Education
Central Michigan University 2003 — 2007
Bachlor of Applied Arts, Enterpreneurship, Sport Management, Accounting
Troy High School 1999 — 2003
A & M Towing September 2009 - Present
D & D Central ATM February 2007 - Present
Detroit Ignition July 2008 - July 2009
A & M Service Center June 2007 - December 2008
Detroit Ignition May 2008 - July 2008
Detroit Ignition November 2007 - April 2008
Michigan Schools & Government Credit Union February 2003 - August 2006
Special Olympics Michigan January 2006 - April 2006
Education
Central Michigan University 2003 — 2007
Bachlor of Applied Arts, Enterpreneurship, Sport Management, Accounting
Troy High School 1999 — 2003
Terri Pavlica Terri Pavlica's Michigan Schools & Government Credit Union Experience January 2009 - January 2012
Job CCS Rep/Purchasing Agent at Omega Plastics, Inc.
Industry Plastics
Experience
Omega Plastics, Inc. July 2014 - Present
Omega Plastics, Inc. July 2014 - Present
Omega Plastics, Inc. July 2014 - Present
The Woods Church - Financial Peace University (FPU) January 2012 - Present
Michigan Schools and Government Credit Union January 2012 - July 2014
The HopeCenter in Macomb (WWCC, Inc) June 2011 - May 2013
Michigan Schools & Government Credit Union January 2009 - January 2012
Michigan Schools and Government Credit Union July 2004 - December 2008
Michigan Schools and Government Credit Union September 2003 - June 2004
Chesterfield Township Library 2000 - 2001
Skills
Consumer Lending, Loans, Banking, Credit, Public Speaking, Customer Service, Cross Selling, Loan Origination, Credit Analysis, Commercial Lending, Microsoft Office, New Business Development, Lines Of Credit, Mortgage Banking, Team Building, Mortgage Lending, Business Development, Coaching, Finance, Retail Banking, Event Planning, Underwriting, Marketing Communications, Microsoft Word, Microsoft Excel, Financial Analysis, Public Relations, Loan Underwriting, PowerPoint, Excel, Word, B2B, Non-profits, Customer Relations, Account Management, Team Leadership, Employee Training, Promotions, Document Management, Document Review, Training, Change Control, Quality Control, Quality Assurance, Quality Improvement, Process Improvement, Business Process..., Financial Planning, Financial Services, Employee Management
Education
Macomb Community College 2006 — 2007
Business Management
Bedford Senior High School
Omega Plastics, Inc. July 2014 - Present
Omega Plastics, Inc. July 2014 - Present
Omega Plastics, Inc. July 2014 - Present
The Woods Church - Financial Peace University (FPU) January 2012 - Present
Michigan Schools and Government Credit Union January 2012 - July 2014
The HopeCenter in Macomb (WWCC, Inc) June 2011 - May 2013
Michigan Schools & Government Credit Union January 2009 - January 2012
Michigan Schools and Government Credit Union July 2004 - December 2008
Michigan Schools and Government Credit Union September 2003 - June 2004
Chesterfield Township Library 2000 - 2001
Skills
Consumer Lending, Loans, Banking, Credit, Public Speaking, Customer Service, Cross Selling, Loan Origination, Credit Analysis, Commercial Lending, Microsoft Office, New Business Development, Lines Of Credit, Mortgage Banking, Team Building, Mortgage Lending, Business Development, Coaching, Finance, Retail Banking, Event Planning, Underwriting, Marketing Communications, Microsoft Word, Microsoft Excel, Financial Analysis, Public Relations, Loan Underwriting, PowerPoint, Excel, Word, B2B, Non-profits, Customer Relations, Account Management, Team Leadership, Employee Training, Promotions, Document Management, Document Review, Training, Change Control, Quality Control, Quality Assurance, Quality Improvement, Process Improvement, Business Process..., Financial Planning, Financial Services, Employee Management
Education
Macomb Community College 2006 — 2007
Business Management
Bedford Senior High School
Katherine Bigenho Katherine Bigenho's Michigan Schools & Government Credit Union Experience December 2000 - October 2001
Job Corporate Recruiter at WalkerHealthcareIT
Industry Staffing and Recruiting
Experience
WalkerHealthcareIT September 2015 - Present
KELLY SERVICES, INC. January 2013 - July 2015
KELLY SERVICES, INC. January 2005 - January 2013
ALPINE PLASTICS, INC November 2003 - December 2004
MICHIGAN SCHOOLS & GOVERNMENT CREDIT UNION December 2000 - October 2001
Skills
Applicant Tracking..., Onboarding, Recruiting, Interviews, Employee Relations, Sourcing, Human Resources, Talent Management, New Hire Orientations, Talent Acquisition, Coaching, Contract Recruitment, Hiring, Screening, Executive Search, Full-life Cycle..., Temporary Staffing, Client Development, Corporate Recruiting, Building Relationships, Team Building, Training, Account Management, Employee Training, Management, College Recruiting, Cold Calling, Interviewing, Customer Acquisition, Key Account..., Payroll, Employee Management, Commercial Account...
Education
Oakland University
Bachelor of Science Degree, Human Resources; Training & Development
WalkerHealthcareIT September 2015 - Present
KELLY SERVICES, INC. January 2013 - July 2015
KELLY SERVICES, INC. January 2005 - January 2013
ALPINE PLASTICS, INC November 2003 - December 2004
MICHIGAN SCHOOLS & GOVERNMENT CREDIT UNION December 2000 - October 2001
Skills
Applicant Tracking..., Onboarding, Recruiting, Interviews, Employee Relations, Sourcing, Human Resources, Talent Management, New Hire Orientations, Talent Acquisition, Coaching, Contract Recruitment, Hiring, Screening, Executive Search, Full-life Cycle..., Temporary Staffing, Client Development, Corporate Recruiting, Building Relationships, Team Building, Training, Account Management, Employee Training, Management, College Recruiting, Cold Calling, Interviewing, Customer Acquisition, Key Account..., Payroll, Employee Management, Commercial Account...
Education
Oakland University
Bachelor of Science Degree, Human Resources; Training & Development
Nicole R. Festian, MA, SCL, LPC, NCC Nicole R. Festian, MA, SCL, LPC, NCC's Michigan Schools & Government Credit Union Experience March 2009 - May 2010
Job Counselor at Holly High School
Industry Primary/Secondary Education
Experience
Holly High School May 2012 - Present
Healing Hearts Counseling LLC January 2012 - November 2012
Larson Middle School August 2011 - May 2012
SEHS Counseling Center May 2011 - August 2011
Aero Filter, Inc. August 2008 - August 2011
Michigan Schools & Government Credit Union March 2009 - May 2010
MRI The Birmingham Group October 2007 - July 2008
Aero Filter, Inc. October 2006 - October 2007
Aero Filter, Inc. May 2000 - October 2006
Skills
Student Counseling, Adolescents, Psychotherapy, Mental Health, Career Counseling, Counseling, School Counseling, Working With Students, Working With Children, K-12, High School Students, Middle School Students, Adolescent Issues, Standardized Testing, Anti-Bullying, Conflict Prevention, Academic Achievement, Organization Skills, Homework Help, Section 504, Group Therapy, Support Groups, Grief Counseling, Case Management, Stress Management, Play Therapy, Family Therapy, Behavior Modification, Life Transitions, Anxiety Disorders, Depression, ADHD, ODD, Self-harm, Suicidal Ideation, Vocational Counseling, Career Assessment, Career Transitions, Career Exploration, Resume Writing, Interview Preparation, Crisis Intervention, Mental Health Counseling, Interventions, Adolescent Therapy, Counseling Psychology, Individual Counselling, RTI
Education
Oakland University 2011 — 2012
Post-Master's Specializations, School Counseling and Child & Adolescent Counseling, OVERALL GPA: 3.97
Oakland University 2010 — 2011
Master of Arts, Counseling, OVERALL GPA: 3.84
Oakland University 2000 — 2004
Bachelor of Science, Human Resource Management and Marketing, OVERALL GPA: 3.28
Troy High School 1996 — 2000
Holly High School May 2012 - Present
Healing Hearts Counseling LLC January 2012 - November 2012
Larson Middle School August 2011 - May 2012
SEHS Counseling Center May 2011 - August 2011
Aero Filter, Inc. August 2008 - August 2011
Michigan Schools & Government Credit Union March 2009 - May 2010
MRI The Birmingham Group October 2007 - July 2008
Aero Filter, Inc. October 2006 - October 2007
Aero Filter, Inc. May 2000 - October 2006
Skills
Student Counseling, Adolescents, Psychotherapy, Mental Health, Career Counseling, Counseling, School Counseling, Working With Students, Working With Children, K-12, High School Students, Middle School Students, Adolescent Issues, Standardized Testing, Anti-Bullying, Conflict Prevention, Academic Achievement, Organization Skills, Homework Help, Section 504, Group Therapy, Support Groups, Grief Counseling, Case Management, Stress Management, Play Therapy, Family Therapy, Behavior Modification, Life Transitions, Anxiety Disorders, Depression, ADHD, ODD, Self-harm, Suicidal Ideation, Vocational Counseling, Career Assessment, Career Transitions, Career Exploration, Resume Writing, Interview Preparation, Crisis Intervention, Mental Health Counseling, Interventions, Adolescent Therapy, Counseling Psychology, Individual Counselling, RTI
Education
Oakland University 2011 — 2012
Post-Master's Specializations, School Counseling and Child & Adolescent Counseling, OVERALL GPA: 3.97
Oakland University 2010 — 2011
Master of Arts, Counseling, OVERALL GPA: 3.84
Oakland University 2000 — 2004
Bachelor of Science, Human Resource Management and Marketing, OVERALL GPA: 3.28
Troy High School 1996 — 2000
Michele Alfafara's Michigan Schools & Government Credit Union Experience March 2002 - Present
Job HR/Training & Development at Michigan Schools & Government Credit Union
Industry Financial Services
Experience
Michigan Schools & Government Credit Union March 2002 - Present
SOC Credit Union March 2002 - September 2005
Metro Credit Union August 2000 - November 2001
Detroit Edison Credit Union 1988 - 2000
Skills
Credit Unions, Credit, Customer Service, Banking, Mortgage Lending, Onboarding, Consumer Lending, Retail Banking, Lines Of Credit, Loans, Credit Analysis, Cross Selling, Team Building, Microsoft Excel, Commercial Lending, Finance, Underwriting, Loan Origination, Outcomes Research
Education
Central Michigan University
Master of Science in Administration
Davenport University
Bachelor of Science in Business Administration
Cousino
Michigan Schools & Government Credit Union March 2002 - Present
SOC Credit Union March 2002 - September 2005
Metro Credit Union August 2000 - November 2001
Detroit Edison Credit Union 1988 - 2000
Skills
Credit Unions, Credit, Customer Service, Banking, Mortgage Lending, Onboarding, Consumer Lending, Retail Banking, Lines Of Credit, Loans, Credit Analysis, Cross Selling, Team Building, Microsoft Excel, Commercial Lending, Finance, Underwriting, Loan Origination, Outcomes Research
Education
Central Michigan University
Master of Science in Administration
Davenport University
Bachelor of Science in Business Administration
Cousino
Donna Pariseau's Michigan Schools & Government Credit Union Experience March 2010 - January 2012
Job Senior CRT Analyst at Ascension Information Services (AIS)
Industry Information Technology and Services
Experience
Ascension Information Services (AIS) June 2014 - Present
VisionIT November 2012 - June 2014
Michigan Schools & Government Credit Union March 2010 - January 2012
Chrysler Financial August 2005 - November 2009
Skills
Management, Collections, Information Technology, Help Desk Support, Customer Service, Time Management, Coaching Staff, PC skills, MS-Office, Loss Mitigation, Payroll Administration, Accounting, Finance, Credit, Loans, Process Improvement
Education
Walsh College 1992 — 1996
Bachelor
Macomb Community College
Associates
Ascension Information Services (AIS) June 2014 - Present
VisionIT November 2012 - June 2014
Michigan Schools & Government Credit Union March 2010 - January 2012
Chrysler Financial August 2005 - November 2009
Skills
Management, Collections, Information Technology, Help Desk Support, Customer Service, Time Management, Coaching Staff, PC skills, MS-Office, Loss Mitigation, Payroll Administration, Accounting, Finance, Credit, Loans, Process Improvement
Education
Walsh College 1992 — 1996
Bachelor
Macomb Community College
Associates
Julie Windhorst, CCUFC's Michigan Schools & Government Credit Union Experience June 1999 - March 2012
Job Crowd Manager with Detroit Tigers Baseball Operations
Industry Banking
Experience
The Detroit Tigers Baseball Operations January 2014 - Present
Zeal Credit Union March 2012 - Present
Michigan Schools & Government Credit Union June 1999 - March 2012
Sterling Bank and Trust, FSB July 1996 - June 1999
Contract Interiors 1994 - 1996
Michigan National Bank November 1984 - November 1994
Skills
Credit, Loans, Credit Unions, Banking, Customer Service, Loan Origination, Microsoft Excel, Lines Of Credit, Microsoft Word, Fraud, Commercial Lending, Mortgage Lending, Loss Mitigation, Financial Risk, Portfolio Management, Credit Risk, Credit Analysis, Cross Selling, Repossessions, Bankruptcy, Process Improvement, Accounting, Underwriting, Call Centers, Management, Finance, Loan Servicing, Skip Tracing, Retail Banking, Financial Services, Assets Recovery, Credit Cards, Mortgage Banking, Risk Management, Customer Satisfaction, Debt Management, Loan Modifications, Default, Credit Scoring, FDCPA, Recoveries, Subprime, Debt Settlement, Mortgage Underwriting, FCRA, Payments, Asset Based Lending, Cash Management, Relationship Management
Education
Credit Union National Association 2000 — 2013
Certificate for Educational Achievement and 2013 Certified Credit Union Financial Counselor, Advanced Collections Institute 6/2002 and 2013 Certified Financial Counselor
Rex Johnson's Lending University 1999 — 1999
Certificate, Credit and Collections
Ferndale High School
Oakland Community College
Associates Degree, Oakland Community College
The Detroit Tigers Baseball Operations January 2014 - Present
Zeal Credit Union March 2012 - Present
Michigan Schools & Government Credit Union June 1999 - March 2012
Sterling Bank and Trust, FSB July 1996 - June 1999
Contract Interiors 1994 - 1996
Michigan National Bank November 1984 - November 1994
Skills
Credit, Loans, Credit Unions, Banking, Customer Service, Loan Origination, Microsoft Excel, Lines Of Credit, Microsoft Word, Fraud, Commercial Lending, Mortgage Lending, Loss Mitigation, Financial Risk, Portfolio Management, Credit Risk, Credit Analysis, Cross Selling, Repossessions, Bankruptcy, Process Improvement, Accounting, Underwriting, Call Centers, Management, Finance, Loan Servicing, Skip Tracing, Retail Banking, Financial Services, Assets Recovery, Credit Cards, Mortgage Banking, Risk Management, Customer Satisfaction, Debt Management, Loan Modifications, Default, Credit Scoring, FDCPA, Recoveries, Subprime, Debt Settlement, Mortgage Underwriting, FCRA, Payments, Asset Based Lending, Cash Management, Relationship Management
Education
Credit Union National Association 2000 — 2013
Certificate for Educational Achievement and 2013 Certified Credit Union Financial Counselor, Advanced Collections Institute 6/2002 and 2013 Certified Financial Counselor
Rex Johnson's Lending University 1999 — 1999
Certificate, Credit and Collections
Ferndale High School
Oakland Community College
Associates Degree, Oakland Community College
Wells Fargo
Fidelity Investments
U.S. Bank
Northwestern Mutual
Wells Fargo Bank
USAA
Charles Schwab
Ameriprise Financial Services, Inc.