Melissa is a Certified Financial Planner™ CFP® professional and has been with Gardey Financial Advisors since 2001. Melissa graduated cum laude from Saginaw Valley State University with a Bachelor of Business Administration degree in 1999 and in 2006 earned her Certified Financial Planner™ designation. In addition to her role as Senior Financial Advisor, she serves on the firm's Investment Committee, Business Development Committee, and is the point person for questions about Social Security retirement benefits. Melissa is a member advisor of the National Association of Personal Financial Advisors (NAPFA) and a member of the Northeastern Michigan Estate Planning Council. Melissa and her hu