Our People Edward A. Beiser, LIC, CLU, ChFC (989) 686-4240 (866) 988-2323 [email protected] Edward A. Beiser is the founder and President of Centennial Planning. A "fee for services rendered" financial planning and investment advisory firm in Bay City, Michigan. Mr. Beiser is responsible for the firm's overall investment and financial planning policies including counseling and planning to create financial plans, provide implementation and services for financial plans, as well as asset management.Mr. Beiser is a graduate of Western Michigan University and Delta College. He has also completed both the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) courses through the American College. In addition, he has earned the Licensed Insurance Counselor (LIC) designation from the State of Michigan. He has been active in the field of estate planning and insurance since 1975. He is a member of the Financial Planning Association and was past President of the local chapter. Mr. Beiser is also a member of The Estate Planning Council (Northeastern Chapter). In addition, he was a college instructor of basic business and disability insurance, and financial planning. He is also a member of the Fee Advisor Network which helps Planners examine and research existing insurance and annuities. This affiliation enables us to help you purchase without commissions, no load insurance and no load annuities, both fixed and variable. Teresa Beiser (989) 686-4240 (866) 988-2323 Teresa Beiser is the wife of Edward Beiser and has been working as an Administrative Assistant to her husband since 1990. Together they have raised 4 children and also have 4 grandchildren. Teresa manages the payroll and record keeping, maintains client records, and the other tasks of keeping the computers updated. She also attends to daily communication with clients and company requests for administrative help. Teresa is also a Notary Public for the State of Michigan. Her hobbies are cooking, computers, reading and spending time with their grandchildren. Cindy Mendoza (989) 686-4240 (866) 988-2323 Cindy Mendoza has been working as an Administrative Assistant with Mr. Beiser since 2000. Cindy is responsible for setting up new client accounts and maintaining client records. She also coordinates services to clients when needed and provides excellent daily communication with clients and company requests for administrative help. Cindy is married and has 3 children. Her favorite hobby is bowling.