About Us

Trusted Guidance, Tailored for Your Retirement Journey

Our Story

At Premier Financial Group LLC, we believe financial planning is more than numbers-it's about trust, relationships, and creating a roadmap for a confident, fulfilling retirement.


Proudly serving Saginaw, Midland, and Bay City, we specialize in helping pre- and post-retirees achieve financial stability and build lasting generational wealth. Our approach is rooted in fiduciary principles, ensuring that every recommendation is made with your best interests in mind.

Our Purpose

We exist to bring calm and clarity to life's financial decisions, giving families peace of mind and confidence to live with freedom and purpose.

What We Do

Retirement-focused financial planning that simplifies complex decisions for families who value trust, clarity, and peace of mind.

Meet your advisor

A man in a suit and tie is smiling in front of a brick wall.

Email: zachery@premierfinancialgrp.com

Phone Number: (989)790-9240, ext. 2 

Owner & Financial Advisor

Zachery Smith, RICP® NSSA®

I married my high school sweetheart, Michelle, in June of 2023, and together we share our home with two dogs, Gordie and Sammy. We’ve both lived in the Saginaw area our entire lives and have no plans to leave—we’re proud to call this community home. In my free time, I enjoy spending time with Michelle, our dogs, family, and friends, cheering on Detroit sports teams, and traveling whenever possible.



I knew I wanted to become a financial advisor at just seventeen, after seeing firsthand how deeply an advisor can impact a family’s life. That experience sparked a passion that has guided my career. After earning my Bachelor’s degree in Business Management from Northwood University in 2020, I began working at a firm in Mount Pleasant to gain valuable experience. In May 2022, I partnered with my father-in-law, David, at Premier Financial. Since then, we have helped many clients work toward their financial goals—and now that David has retired, I am proud to carry that mission forward.


I view this profession as my calling. Every client meeting is an opportunity to provide value, offer clarity, and help people feel more confident about their financial future. My goal is for each person I work with to leave feeling informed, empowered, and supported by someone who genuinely cares.

A Legacy of Trust, Continued Forward

Our Founder

Premier Financial Group was originally founded by David Becker, whose passion for helping others laid the foundation for our firm. In 2025, David retired and entrusted the business to his son-in-law, Zachery Smith, who continues that legacy with a commitment to personalized strategies tailored to your unique goals.


When you work with us, you're not just planning for retirement-you're planning for peace of mind, security, and a future you can truly enjoy.

Our Core Values

We believe financial planning is about more than just numbers—it’s about creating a roadmap that reflects your goals, values, and vision for the future. Our Mission is to provide fiduciary-backed financial guidance that empowers our clients to build sustainable, generational wealth while enjoying a secure retirement.

Respectful

We respect the significance of every financial decision and approach each with care, diligence, and responsibility.
A couple of people shaking hands with a shield between them.

Transparency

We communicate openly and honestly, sharing information clearly so everyone understands the 'why' behind decisions.

A black and white icon of a dna strand between two circles on a white background.

Integrity

We choose what is right over what is easy and act honestly and ethically, even when no one is watching.

A black and white silhouette of a person with their arms in the air.

Trustworthy

We keep our word and deliver on promises, earning confidence through consistent actions.

Humility

We stay grounded and teachable and never lose perspective or forget our purpose.

What Our Clients Say

David, Zach and Cindy are excellent people to work with. They are prompt, offer all the options and explain the details. I would highly recommend them to anyone looking to invest and find a trustworthy financial planner.

Peter M.

Very happy with the service Premier Financial Group provided for my retirement. Zachery Smith went above and beyond to help me with the retirement process. I would recommend this group to anyone.

George L.

Working with Zach at Premier has been very rewarding. The time he takes to explain, and make sure you’re comfortable with his explanation, is so valuable. He truly treats you like you ARE the client! 😊

Roland G.

I would highly recommend Zach! He does a great job at not only helping you put a plan together to help achieve your financial goals but also really listens and makes you feel heard. These things can get confusing and he does a great job at not only explaining things but not making you feel “dumb” for asking basic questions. He really knows his stuff and I trust him with something as vulnerable as my financial future.

Shawnee M.

Great communication and easy to work with. Zach has been a pleasure with helping us look forward to achieving our financial goals!

Steven M.

Since working with Zachary at Premier Financial we feel much more comfortable with our retirement goals. Great communication and helping us maximize our savings!

Nicole F.

I’ve been working with Zach now for a few years. He is such a nice person to work with, very quick to respond and i am very happy with the service i’ve received. Highly recommend working with them on your financial goals & savings

Sarah K.

Zachery is a trustworthy young man with a heart to help and wisdom to create a financial strategy rather than just sell a product! He truly cares about his clients.

Matt S.

Zach is excellent to work with. He makes the process easy and meets me where I'm at with my knowledge of financing. He understands where I want to be and is helping me get there. I couldn't recommend him enough.

Heather S.

Zach has been a great financial advisor. As soon as we got my account switched over we took advantage of my low tax bracket and started maximizing my portfolios potential. The service is impeccable.

Ryan N.

Zach is extremely knowledgeable in financial planning. 100% recommend.

Emily C.

I've been so thankful for the opportunity to work with Zach. Not only as he helped me organize and set up my future he's also made my day to day stress-free. He's also taught me a lot and informs me every step of the way, so I'm learning as my future is growing. Zach is not only knowledgeable in the field, but he's also friendly, caring, and trustworthy. Thank you Zach!

Nicole B.

I attended a Social Security informational seminar hosted by Zach. It was informative and well presented. Even though I'm not quite to retirement age yet, I learned a lot and it was a useful exercise. Zach explains things well and knows his stuff!

Daniel P.

I highly recommend Premier Financial Group! I’ve been working with Zach for a little over a year and half now after switching our company’s IRA over to him. Zach has been in contact with me over what he thinks is best for my account and explains why. You won’t be disappointed if you at least meet with him!!

Shannon M.

Zach has been extremely professional and helpful as I wanted to provide 401k to my employees. My employees are thrilled !

Tara S.

Zach has been the perfect fit for my family. Since the beginning he made sure to educate everyone, even the kids, so that we could make informed decisions. Zach is honest, and works with integrity. I always recommend Zach when others are seeking a FA. Five stars for Zach Smith!!

Brownfield F.

Premier Financial Group will guide you through all the aspects of financial planning. Zachery and David will help you to reach your goals with honesty and integrity. They have taken great care of my husband and I and my parents as well. I highly recommend them.

Cj Z.

My husband and I met with Zach. Very personable and down to earth. I was a little scared of meeting with a financial advisor and sharing our personal business but Zach made it so easy and made us feel very comfortable! The office manager, Cynthia, is the best! It’s nice talking to an actual person that takes care of us rather than a robot like big corporations use!

Alexis G.

Zachery Smith at Premier Financial is an outstanding financial adviser who truly puts his clients first. I’ve had the pleasure of working with him in multiple capacities—professionally, in community organizations, and through mutual client referrals. His integrity, dedication to ongoing education, and client-focused approach set him apart in the industry. Zach doesn’t just offer generic financial advice; he takes the time to understand each client’s unique situation and tailors strategies that not only protect but also grow their wealth. I’ve personally referred clients to him and have seen firsthand the positive impact of his expertise. If you’re looking for a financial adviser who is knowledgeable, ethical, and genuinely invested in your success, I highly recommend Zachery Smith and Premier Financial!

Harrison G.

I have been working with Zach for a while now and appreciate how he runs his business! Always available to talk and answer any questions I have. Would highly recommend!

Elliott C.

Nothing but good things to say about Premier Financial. Zach is extremely knowledgeable and makes things easy to understand, and Cyndi has given me extremely quick responses whenever I needed any help or clarification with my account.

Chris P.

Zachery gave me a clear path for my financial well being as I was just starting my professional career. I could not recommend him enough for all of your financial planning needs! He is professional, knowledgeable, and truly cares for the clients he serves.

Zach P.

Zachery has been great to work with and my family has had long running positive interaction with Premier Financial Group over many decades. I look forward to working more with him and seeing what we can do as well!

Devin M.

Zach and the staff at Premier Financial Group are fantastic to work with. They spend time with their clients and share important information on a regular basis. I highly recommend working with Premier Financial Group for your investment needs.

Peter R.

Very knowledgeable and helpful with managing our finances. Zach Smith started advising us during our first year of marriage and helped us work out our first manageable budget together. He broke things down in an easy and understandable way. He’s always been friendly yet professional.

Hannah P.

Zach is well versed on money market matters. Each interaction has had a positive outcome in the form of more cash flow in the positive for me. I recently wanted expert advice on what market or venue would give me the best bang for my dollar. Zach's experience shined through the financial fog of what different programs offered the best outcome. He presented the programs available to me and was able to use real life examples of what he suggested for other clients. What I thought was a good deal for me, turned out to be a less than optimal. Zach showed me what would be the best for my particular situation. I highly recommend Zach for any and all financial questions from the simple to the complex. No job is too big nor too small for Zach to reach into his tool chest and give the best advice. Thank you Zach. I appreciate you Respectfully Carson GIbson

Carson G.

My husband and I were not sure where to start or even if we could afford adding anything else in our budget. Zach walked us through all the steps, explained everything thoroughly, and we couldn't be happier that our future is secure! You won't be disappointed reaching out.

Maylynne B.

Premier Financial is different than other financial management providers. They provide personalized service to their clients unlike anything I've seen today. Zach brings a fresh perspective while still providing that "old school" white glove service. I watched him spend 2 days with a client sorting out important financials so they can have a clear picture. He goes above and beyond to ensure his clients know what is happening and what they can expect.

Andrea P.

Zachery is a dedicated and very respectable young man. His commitment to Faith, Family, Friends, and his occupation are unsurpassable.

Mary-Bethany S.

Premier Financial Group in Saginaw, MI is an Awesome financial group. Zach is amazing! Zach helped my husband and I with all our financial stuff. Zach even drove to Castleton, IL (6 hours away) to help us finish things with our financial items. Zach is very smart at his job and a really amazing, extremely nice person!!☺️☺️☺️💯💯💯 I definitely recommend Zachery Smith as your Financial Advisor!!!☺️☺️☺️💯💯💯😊😊

Lori L.

Zach is super professional and friendly to work with! Always is timely in answering any questions!

Anita A.

You will not find a better team than the PFG team for all of your financial planning services. Knowledge, care and integrity is what drives this team and you can trust that PFG has your best interests at heart.

Laura P.

Great people. Answered questions and helped me figure out life insurance policies along with some other financial advice

Jesus G.

Zach is knowledgeable and very service oriented!

Isaac Z.

Just had another great experience with Premier Financial in Saginaw! Their team is knowledgeable, professional, and committed to helping clients succeed. It's refreshing to work with people who genuinely care about their customers and their community. Grateful to have a trusted financial partner right here in mid-Michigan!

Charles L.

Zachery was very knowledgeable of every product we discussed. There was no pressure and all questions asked were answered. He provided everything I needed to make the transition easy, secure and quick. I look forward to working with Zach and Cynthia in the future with my investment. Thank you Zach for being patient and answering all my questions so that I felt comfortable with this investment.

Judy B.

My experience with Premier financial has been substantial. Always available to answer my questions and help with my finances. I rate them a ten and beond😊

Jill D.

I can honestly say I’ve never had better customer service! Specially Zach was extremely helpful and informative!! 10/10 recommend!

Arik W.

We have been with Premier Financial Group for over 30 years. We started working with Zach this year and he is very thorough and great to work with.

Amy R.

Great to work with, friendly, trustworthy, knowledgeable and responsive. Would definitely recommend.

Sue B.

Really great place to get your retirement Going

The K.

Really enjoy working with Zach and Cindi. Feel very confident and comfortable working with them.

Elaine B.

I have been with Premier from many years and always worked with David and Cindy- they are wonderful. Recently met with Zachary and he is amazing! Made me so comfortable with my retirement goals. He is so knowledgeable and took the time to explain it all to me. Highly recommend them!

Audrey S.