Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
Series 63, Series 66
Experience Industry experience
13 years
Location
Ludington, MI 49431
Primerica Advisors
Institution
Kathryn Sanford is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at Edward Jones and has been with Primerica Financial Services since 2002. Outside of financial advising, she co-owns a small upholstery business in Ludington, Michigan, and serves as an assistant manager at a self-storage facility. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure as part of its investment approach.
Based on Primerica Advisors
$0 - $250,000: 1.74% (1.25% Advisory Fee + 0.49% Program Fee) $250,000.01 - $500,000: 1.71% (1.25% Advisory Fee + 0.46% Program Fee) $500,000.01 - $1,000,000: 1.52% (1.10% Advisory Fee + 0.42% Program Fee) $1,000,000.01 - $3,000,000: 1.38% (1.00% Advisory Fee + 0.38% Program Fee) $3,000,000.01 - $5,000,000: 1.15% (0.85% Advisory Fee + 0.30% Program Fee) $5,000,000.01 - $10,000,000: 1.00% (0.80% Advisory Fee + 0.20% Program Fee) $10,000,000.01+: 0.85% (0.75% Advisory Fee + 0.10% Program Fee)
Account minimum: $25,000
Ludington, MI
337 N Jebavy Drive, Suite A
Ludington MI 49431
Advisors at this office
2
Michigan
13 years of industry experience
Primerica Advisors
2018 - Present • 8 years
Ludington, MI
Edward Jones
2015 - 2017 • 2 years
St Louis, MO
Primerica Financial services
2002 - Present • 24 years
Ludington, MI
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63
Ludington, MI
Plaisier Financial Group LLC
Jana Plaisier is a financial advisor with Plaisier Financial Group LLC in Ludington, MI, holding a Series 63 designation and 39 years of industry experience. She has operated her own financial advisory firm since 2002 and is involved in related businesses including tax preparation and affiliate marketing. Additionally, she serves as a skincare consultant for Rodan and Fields on a limited basis. Plaisier Financial Group provides portfolio supervisory services, investment advice, and financial planning to individuals, retirement accounts, charitable organizations, and business entities. The firm customizes investment recommendations based on client objectives and risk tolerance, emphasizing diversification and continuous account monitoring.
Series 65
Ludington, MI
Middle Coast Investing LLC
Jonathan Liss is a financial advisor with Middle Coast Investing LLC holding a Series 65 designation. He has five years of experience as a contributor at Seeking Alpha. Middle Coast Investing serves individual and high-net-worth clients by offering discretionary portfolio management and tailored advisory services. The firm employs strategic ETF allocation and active equity strategies, managing a diverse range of instruments with regular portfolio reviews and client meetings.
Series 63, Series 65
Ludington, MI
Harborfront Financial Group
Elizabeth De Kuiper is a financial advisor at Harborfront Financial Group with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial LLC for 20 years before joining Harborfront Financial LLC in 2024. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm’s investment approach combines fundamental, technical, charting, and cyclical analysis, utilizing strategies from long-term asset allocation to shorter-term trading, often through discretionary model portfolios and third-party strategies available via LPL programs.
CFP®, Series 63, Series 65
Ludington, MI
Harborfront Financial Group
Raymond Janish is a CFP® with 30 years of industry experience. He currently serves at Harborfront Financial Group, joining the firm in 2024 after 22 years with LPL Financial LLC. Outside of his advisory work, he is involved in farming beef cattle for 4-H through Janish Farms LLC. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm employs a range of investment strategies, including long-term asset allocation and shorter-term trading, and utilizes discretionary model portfolios and third-party strategies through LPL Financial-sponsored programs.
Series 65
Ludington, MI
Middle Coast Investing LLC
Daniel Shvartsman is the sole advisor at Middle Coast Investing LLC, an independent registered investment adviser based in Ludington, MI. He holds a Series 65 designation and has two years of industry experience. His prior work includes roles at Investing.com and Shortman Studios, as well as eight years contributing to Seeking Alpha. Middle Coast Investing LLC manages approximately $12.1 million in client assets, serving individual and high-net-worth clients with discretionary portfolio management. The firm employs both passive, index-based ETF strategies and actively managed stock portfolios, incorporating inverse and leveraged funds as part of its investment approach.
Series 65, Series 63
Ludington, MI
Harborfront Financial Group
Autumn Wittlieff is a financial advisor with Harborfront Financial Group in Ludington, MI, holding Series 63 and Series 65 credentials and four years of industry experience. She previously worked at LPL Financial LLC and has background experience in education and local business. Wittlieff is also a licensed notary. Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high-net-worth clients, using a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation. The firm manages accounts primarily on a discretionary basis and utilizes multiple LPL Financial advisory programs and algorithm-driven managed services.
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