Sean Latham is a financial advisor with Hantz Financial Services, Inc. He holds a Series 66 designation and has been with the firm since 2025. Prior to joining Hantz, he held positions at Rocket Mortgage and Ann Arbor State Bank and has academic experience from Grand Valley State University. Hantz Financial Services, Inc. provides financial planning, portfolio and wealth management, retirement plan consulting, and brokerage services to a diverse client base, including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm employs ETF-based model portfolios alongside third-party managers and utilizes technology-driven asset allocation, rebalancing, and tax-loss harvesting strategies.

Haley Hegenauer is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience. She holds a Series 66 designation and has previously worked at Mercer Advisors and held positions in education. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios, along with retirement plan consulting and brokerage services through affiliated entities.

David Nichols is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. He holds the CFP® and ChFC® designations and has 22 years of industry experience, all with Hantz Financial since 2004. Hantz Financial Services serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios combined with third-party money managers and employs an asset-allocation framework supported by technology platforms for portfolio management and tax-loss harvesting.

Joshua Ginepro is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation and four years of industry experience. His prior work includes self-employment and roles at St. Thomas Aquinas and Darden Restaurants. Hantz Financial Services, Inc. serves individual clients, pension plans, charitable and corporate clients, and business owners, offering financial planning and wealth management primarily through ETF-based model portfolios supplemented by third-party money managers. The firm combines advisory, broker-dealer, mortgage, and insurance services and participates in private fund management, supported by multiple technology and partner relationships.

Mark Westermeier is a financial advisor at TIAA-CREF in Ann Arbor, MI, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has been with TIAA and TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients often connected through TIAA-administered employer retirement plans and acts as adviser to a donor-advised fund, utilizing a fiduciary standard and a mix of model and customized portfolios.

James Duffy is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with PNC Investments since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm's investment approach uses approved model strategies with mutual funds and ETFs, implemented via an algorithmic process that recommends risk bands and manages portfolios with annual rebalancing.

Megan Pafford is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, with 20 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Hantz Financial Services since 2006. Hantz Financial Services serves a diverse client base including individual investors, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm emphasizes ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and advanced portfolio management technologies.

Lucas Hayes is a financial advisor at Hantz Financial Services, Inc. in Canton, MI, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Canton Township and Michigan State University. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios supplemented by third-party managers, employing an asset-allocation framework with automated tax-loss harvesting and other technology integrations.

Daniel Flannery is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at the University of Michigan and Premier Pet Supply. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and innovative investment platforms, combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Logan Harkins is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation and one year of industry experience. His prior work includes roles in education and sports organizations, such as Lawrence Tech University and Soccer World. Hantz Financial Services caters to a diverse client base, including individual investors, pension plans, and corporate clients. The firm employs ETF-based model portfolios complemented by third-party money managers and utilizes technology-driven investment platforms and services.

Richard Grajewski is a financial advisor with PNC Wealth Management in Ann Arbor, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with PNC Investments LLC since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account designed for employees with existing PNC Bank online-banking credentials. The program uses algorithmic risk assessment to select model strategies managed and executed by PNC or third-party strategists.

Sal Vassallo is a financial advisor with TIAA-CREF in Ann Arbor, MI, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement plan relationships. The firm’s advisory approach separates one-time planning services from ongoing discretionary management and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Amy Lavoie is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 22 years of experience in the financial services industry. She has been with Hantz Financial Services, Inc. since 2004. Hantz Financial Services serves a diverse range of clients, including high-net-worth individuals, pension and profit-sharing plans, charitable and corporate entities, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party money managers and Direct Indexing, while combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Mark Sloan is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding the CFP® designation and Series 63 and 65 licenses. He has 25 years of industry experience, including 20 years with Fifth Third Securities. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, corporate clients, and institutional investors. The firm provides multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with a distinctive municipal-advisor registration.

Melissa James is a financial advisor at Hantz Financial Services, Inc. in Canton, MI, with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Hantz Financial since 2004. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporate clients, and business owners. The firm delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and advanced portfolio management technologies.

Stephen Royce Jr. is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at KeyBank, Key Investment Services LLC, Bank of America N.A., and Merrill. Citizens Securities serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program with ETF-based portfolios and a separate Managed Account program, operating as both a broker-dealer and insurance agency.

Brett Dulecki is a Series 65-licensed advisor at Hantz Financial Services, Inc. with one year of industry experience. His prior work includes roles at Leonardos Inc., Door Dash, Lawrence Tech University, and Grosse Ile Country Club. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios enhanced by third-party managers and technology-driven tools such as automated tax-loss harvesting.

Charlene Reardon is a financial advisor at Focus Partners Wealth, LLC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Kovitz Investment Group Partners, Telemus Capital, and Beacon Asset Management. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a range of services including investment management, financial planning, tax and compliance support, and employee benefit retirement plan services. The firm employs a long-term investment approach using both active and passive strategies and provides customized portfolios based on clients’ risk tolerance, liquidity, and tax situations.

Kassem Atwi is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. He holds a Series 66 designation and has three years of industry experience. Prior to joining Hantz Financial Services, he worked at DoorDash and the University of Michigan. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and technology-driven investment solutions.

Tyler Jones is a financial advisor at AE Wealth Management, LLC with eight years of industry experience. He holds the Series 66 designation and has worked at firms including Thrivent Financial and Endependence Financial. Outside of his advisory role, he facilitates access to estate planning document services for clients. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio management and operates a platform serving a large number of clients with standardized investment solutions.