Nolan Ritz

Aaron Wassenaar is a financial advisor at Action Point Retirement Group LLC with 18 years of industry experience. He holds a Series 66 designation and has worked at Fiduciary Financial Advisors since 2024, in addition to his role at Action Point Retirement Group since 2015. Action Point Retirement Group serves individual clients, including high-net-worth individuals, as well as sponsors of ERISA and non-ERISA retirement plans. The firm provides portfolio management, investment policy development, manager selection, plan benchmarking, and employee education through seminars and meetings, employing a mix of fundamental and technical analysis with a focus on non-discretionary account management.

Jason Goosen is a financial advisor at Rapids Financial LLC with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Mutual Advisors, LLC, Eagle Strategies, and New York Life Insurance Company. Outside of his advisory role, he is a staff accountant at Brohl Tax & Accounting, PLLC, and a licensed insurance agent. Rapids Financial is a state-registered investment adviser offering discretionary wealth management and financial planning to individuals and high-net-worth clients. The firm uses a fundamental analysis approach to construct diversified portfolios primarily with low-cost mutual funds and ETFs, and it sponsors a wrap-fee program that consolidates transaction costs into a single asset-based fee.

How much can we safely spend? When should we take Social Security? How do we minimize taxes on everything we've saved? If questions like these keep you up at night, you're not alone. You've spent decades building wealth—now you need a plan to turn it into income that lasts. I specialize in tax-smart retirement income planning for families in-or-near retirement: Roth conversions, Social Security timing, pension decisions, and investing built for distribution—because retirement requires a different playbook than accumulation. How would we work together? It starts with a free Retirement Clarity Call where we dig into your situation and confirm we're a good fit. From there, we'll schedule a Blueprint Meeting where I'll walk you through your key challenges, opportunities, and a recommended strategy tailored to your retirement goals. You'll walk away with real clarity on how to lower your taxes, optimize your income, and retire with confidence—whether we end up working together or not. Tell me about your flat-fee membership model? Most advisors charge 1% of your assets—on a $2M portfolio, that's $20,000/year. I charge a flat $400/month for comprehensive planning, plus an optional 0.49% if you'd like us to manage investments. We start with planning first, and there is no requirement to move your assets to begin working together. No pressure. No hard sell. We're looking for long-term relationships, not transactions. If we're not the right fit, I'll gladly point you toward someone who is.

Steven Brohl is a CFP® professional and principal of Brohl Financial LLC in Grand Rapids, MI. He has prior experience in tax and accounting, currently providing tax services as a CPA through Brohl Tax & Accounting, PLLC. His previous roles include positions at Hungerford Nichols CPAs and Advisors and Alticor Inc. Brohl Financial LLC offers discretionary investment management and comprehensive financial planning for individual and high-net-worth clients. The firm focuses on diversified portfolios using low-cost mutual funds and ETFs, with an investment process grounded in fundamental analysis and a generally long-term orientation.

Tammera Nevins is a financial advisor at Freedom Financial Consulting with two years of industry experience. She holds a Series 66 designation and has previously worked at Thrivent Investment Management and Wells Fargo Advisors. Outside of finance, she works part-time as a bartender at Brewery 4Two4. Freedom Financial Consulting provides portfolio management and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a combination of long-term trading, modern portfolio theory, and technical analysis, utilizing mutual funds, equities, fixed-income securities, ETFs, and Treasury inflation-protected securities.

Jeffery Mccormick is a financial advisor at Zephyr Advisers with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Beck Bode, LLC, Cetera Financial Specialists LLC, and Cetera Investment Advisors LLC. Outside of his advisory role, he owns and operates a garden nursery business. Zephyr Advisers provides wealth management, portfolio management, and financial planning services to individuals and retirement plan advisory services to plan sponsors. The firm focuses on long-term investment strategies using primarily low-cost, diversified ETFs and offers specialized ERISA 404(c) support and 3(21)-style retirement plan consulting.