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Who We Are

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.

Michael Ciaciuch, CFP®  Photo

Michael Ciaciuch, CFP®

Michael Ciaciuch is the founder 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 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.

Zach Rivard, CFP®, AIF® Photo

Zach Rivard, CFP®, 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.

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

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