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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 twenty 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’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.

Ted Schumann II, MBA, MSF, CFP®, AIF® Photo

Ted Schumann II, MBA, MSF, CFP®, AIF®

Ted is the Managing Partner of Act Two Financial Advisors, LLC.  For over 14 years, Ted has been helping clients plan their financial future.  Ted works with both office retirement plans and individual clients.  From portfolio management to  financial planning, debt-reduction strategies, and fiduciary client service, Ted provides clients with comprehensive strategies and assistance to prepare for retirement.

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Ted earned his Bachelor's in Personal Financial Planning from Central Michigan University in 2006. In 2015 he earned his Master of Business Administration (MBA) and Master of Science in Finance (MSF) from Walsh College.  He has earned the designations of Certified Financial Planner (CFP®) in 2010 and his Accredited Investment Fiduciary (AIF®) in 2015.

Zach Rivard, APMA®, CRPS®, AIF® Photo

Zach Rivard, APMA®, CRPS®, AIF®

Zach Rivard is an investment advisor representative of Act Two Financial Advisors, LLC.  Zach works with clients all across Michigan to set up individual or office retirement plans.

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Outside of work, Zach enjoys spending time with his wife, Rachel, and his three children.

Amanda Engelhardt, FPQP™ Photo

Amanda Engelhardt, FPQP™

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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We offer a complimentary 45 minute “Get Acquainted” meeting. 

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