Richard Toth

Ryan Johnson is the founder of Hundred Financial Planning, where he works with high-earning individuals and families to bring more clarity, intentionality, and confidence to their financial lives. His approach goes beyond investments, helping clients navigate the intersection of money, career, family, and long-term decision making with practical, personalized guidance on everything from taxes, benefits, investments, and more. Ryan is passionate about simplifying complex financial topics and regularly shares educational content online focused on helping people make smarter decisions with their money. Outside of work, he enjoys strength training, golf, reading, and spending time with his wife and children in West Michigan.

My job is to make personal finances boring. I'm not in the game of the newest and greatest ideas. I target results and proven time tested ways of doing it. My job is to be your personal trainer for finances. Not only giving guidance but behavioral help on how to truly make lasting impacts.

Thaddeus Phelps is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Advance Wealth Management Service, LLC since 2019 and previously spent 14 years with Ameriprise Financial Services, Inc. In addition to his advisory work, Phelps owns a tax preparation business and an accounting support service, and he serves in fiduciary roles such as trustee and executor. Advance Wealth Management Service, LLC provides investment advisory and financial planning services primarily to individuals, high-net-worth clients, trusts, estates, and business entities. The firm offers discretionary investment management through a wrap asset management program and emphasizes an individualized approach with asset allocation supported by fundamental, sector, and technical analysis, including risk management strategies such as put options and conservative cash instruments.

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.