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Who We Are

Michael Ciaciuch, CFP, AIF®  Photo

Michael Ciaciuch, CFP, AIF®

Michael Ciaciuch is the founder and principal of Act Two Financial Advisors, LLC. He has been helping people prepare for retirement for over fifteen years.

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In 2000, Michael co-founded DBS Investment Advisers, where he served as managing partner and lead advisor until 2015.  At DBS, Michael and his team managed over $95 million in assets including retirement plans for small business owners and their employees.

Michael is a member of the Financial Planning Association and the Garrett Planning Network, an international network of professional fee-only financial planners and advisors.

Michael’s formal education includes a Bachelor of Science degree from Western Michigan University and MBA from the Richard DeVos Graduate School of Management at Northwood University.  He has earned the designations of Certified Financial Planner (CFP®) in 2003, Accredited Investment Fiduciary (AIF®) in 2004, and National Social Security Advisor (NSSA) in 2013.

Michael is also a member of the Bay City Morning Rotary and the Osher Lifelong Learning Institute (OLLI) at Saginaw Valley State University. Outside of work, he enjoys reading, walking, hiking, and traveling with Jean, his wife of 41 years.

Amanda Engelhardt, RP®  Photo

Amanda Engelhardt, RP®

Amanda Engelhardt is the office manager of ActTwoFinancial Advisors and brings to the office a high level of professionalism, reliability and passion for her job.

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After earning two associate’s degrees from Lansing Community College, Amanda moved to the Saginaw/Bay City area in 1997.  Since then, she has worked in many client service roles and earned her Registered Paraplanner designation in 2015. She is instrumental in helping clients obtain the best experience at Act Two from the initial onboarding process to ongoing client service requests.    

Amanda has been married for 20 years, and enjoys spending time with her family which includes her husband, two sons and family furbabies Maggie & Charlie.  In her spare time, she enjoys attending her boys’ athletic events, volunteering at school functions and visiting with family & friends.

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