Cole Welhoff

James Hargrave is a CFP® with five years of industry experience, currently serving as the sole advisor at Pillar Financial Planning. His prior roles include positions at LearnLux, My Financial Coach, Northwestern Mutual, Learnvest, and The Vanguard Group. In addition to his advisory work, he provides financial coaching focused on employee financial wellness through LearnLux. Pillar Financial Planning is a fee-only, state-registered investment adviser that offers investment management and financial planning services primarily to individuals and small businesses, specializing in young physicians and business owners. The firm employs a long-term, passive investment approach based on Modern Portfolio Theory and provides both discretionary portfolio management and flexible planning options.

Dustin Johnson is a financial advisor at Heritage Asset Management, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at Cetera Advisors LLC and Heritage Financial Services LLC prior to his current role. Outside of advisory work, he is president of Johnson Investment Solutions, LLC, an S corporation for tax purposes. Heritage Asset Management provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and plan sponsors. The firm utilizes third-party strategist models through the Orion Portfolio Solutions platform and employs a combination of fundamental and technical analysis in managing client portfolios.

David Thompson is a financial advisor at Heritage Asset Management, LLC with 24 years of industry experience. He holds a Series 66 designation and previously worked at Cetera Advisors LLC for 13 years. Thompson is also involved as an agent selling life, health, disability, annuities, and long-term care insurance through Heritage Financial Services LLC. Heritage Asset Management provides discretionary asset management, financial planning, and limited-scope ERISA 3(21) retirement-plan advisory services to individuals, high-net-worth clients, and plan sponsors. The firm manages approximately $155 million in discretionary assets across about 746 client relationships and uses third-party strategist models via the Orion Portfolio Solutions platform.

Gregory Wozniak is a financial advisor at Universal Financial Advisors, LLC with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Securities America, Inc. and PFG Advisors, LLC. Outside of his advisory role, he serves as president of the Lions Club of Lake Winnebago Foundation, a nonprofit charitable organization. Universal Financial Advisors serves individual investors, retirement plans, trusts, estates, charitable organizations, and business entities, offering comprehensive financial planning, investment and wealth management, and retirement plan consulting. The firm tailors portfolios based on clients’ risk tolerance, time horizon, and liquidity needs, using an asset-allocation framework informed by Modern and Post-Modern Portfolio Theory.

Ethan Hays is a CFP® professional with four years of industry experience, currently affiliated with Creative Financial Designs, Inc. He has prior experience at BKD and has been involved with Lighthouse Financial Strategies, where he holds a majority ownership and participates in client service and adviser support. Hays is also engaged in independent insurance sales focused on life insurance products. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management and financial planning. The firm utilizes asset-class model allocations supported by third-party research and offers a variety of strategies including Biblical Responsible Investing, with flexible billing arrangements and a suite of affiliated financial services.

Jason Rockman is a financial advisor at Packerland Brokerage Services, Inc. with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Securities Management & Research, Inc., BFC Planning, Inc., Questar Asset Management, and Questar Capital Corporation. Outside of advising, he is also an insurance agent involved in selling fixed insurance, long-term care, securities, and disability products. Packerland Brokerage Services serves individuals, charities, corporations, and retirement plan sponsors by offering financial planning, portfolio management, and advisory program access. The firm combines individualized planning with discretionary or non-discretionary management and utilizes various account structures and third-party managers through its dual registration as an SEC-registered investment adviser and FINRA broker-dealer.