Theresa Serafimovski is a financial advisor at TIAA-CREF with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has been with TIAA-CREF since 2011. In addition to her advisory work, she is a licensed attorney in Michigan providing general legal services through her professional limited liability company. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time financial planning services and ongoing discretionary management, utilizing model portfolios and customized strategies while adhering to a fiduciary standard.

Christopher Kemp is a Series 66 licensed financial advisor at Hantz Financial Services, Inc. in Ann Arbor, Michigan, with 16 years of industry experience. He has been with Hantz Financial Services since 2010. Hantz Financial Services, Inc. serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, and business owners. The firm offers financial planning and wealth management through ETF-based model portfolios and third-party strategies, combining advisory, brokerage, mortgage, and insurance services within its enterprise structure.

Rachel Nichols is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 credentials with 20 years of industry experience, all at Hantz since 2006. Hantz Financial Services serves a diverse clientele including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm’s investment approach features ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and Direct Indexing, while combining advisory, brokerage, mortgage, and insurance services within its enterprise structure.

Paige Smola is a financial advisor at Hantz Financial Services, Inc. with 5 years of industry experience. She holds the Series 66 designation and has been with Hantz Financial Services since 2015. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm uses ETF-based model portfolios alongside third-party managers and technology solutions to deliver investment advice across multiple risk levels.

Sean Huyck is a financial advisor at Hantz Financial Services, Inc. in Taylor, MI, holding a Series 66 designation with three years of industry experience. His prior work includes roles at Southgate Lincoln, DST Industries, Com for Care, Baker College, and Greektown Casino. Hantz Financial Services serves a diverse client base, including individual investors, high-net-worth households, pension plans, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party money managers and technology-driven solutions such as Direct Indexing and AI-assisted client data aggregation.

Bradley Turnwald is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. He holds Series 63 and Series 65 designations and has 24 years of industry experience, all with Hantz Financial Services since 2002. 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 delivers investment advice primarily through ETF-based model portfolios supplemented by third-party money managers and uses an asset-allocation framework with periodic rebalancing and tax-loss harvesting features.

Brandon Matthews is a financial advisor at Hantz Financial Services, Inc. in Canton, MI, holding a Series 66 designation with six years of industry experience. His prior work history includes roles at Level One Bank and Albion College. Hantz Financial Services, Inc. serves individual clients, pension plans, charitable organizations, and business owners, offering financial planning and wealth management primarily through ETF-based model portfolios across multiple risk levels. The firm combines advisory, brokerage, mortgage, and insurance services, and incorporates technology partnerships to support its investment and client service capabilities.

Reuben Daniel is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and four years of industry experience. He has worked at Transamerica Financial Advisors since 2022 and previously at World Financial Group. In addition to his advisory role, he has an ongoing position at DXC Technology where he manages Windows systems and provides technical support. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with a range of discretionary and non-discretionary program options.

Deanna Mouat is a financial advisor at Hantz Financial Services, Inc. with five years of industry experience. She holds the ChFC® designation and Series 66 license. Her previous roles include positions at Kaplan College, Foresight Capital Management, Baker College, and March Plating Corp. Hantz Financial Services serves a broad mix of individual clients, pension and profit-sharing plans, charitable and 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 Direct Indexing, and integrates various technology partnerships to support its services.

Christine Burgess is a financial advisor at TIAA-CREF with 27 years of industry experience. She holds Series 63, 65, and 66 licenses and has been with TIAA-CREF since 2014. 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, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm operates a fiduciary advisory model that separates point-in-time planning from ongoing portfolio management and serves as adviser to the TIAA Donor Advised Fund.

Nikola Palincas is a financial advisor at TIAA-CREF in Ann Arbor, MI, holding a Series 66 designation with three years of industry experience. His work history includes roles at Jackson National and Gardner-White Furniture, as well as positions in education at Michigan State University and Troy High School. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management using model or customized portfolios managed under fiduciary standards.

Clarence Davis is a financial advisor at Bankers Life Advisory Services, Inc. with two years of industry experience. He holds a Series 66 designation and has worked with various entities within the Bankers Life group since 2022. Outside of his advisory role, he serves as a unit field trainer, recruiting and training insurance agents for Bankers Life and Casualty Company. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and ongoing portfolio management aligned with clients’ goals and risk tolerances.

Adam Finch is a CFP® with 25 years of experience in financial advising and currently works with Carson Wealth. His prior experience includes roles at Cetera Wealth Services and Sigma Planning Corp. He co-owns a fixed insurance business and serves as treasurer and board member for the Financial Planning Association of Michigan. Carson Wealth is an enterprise platform managing over $50 billion across more than 650 advisors, offering discretionary asset management, financial planning, and retirement plan services with an investment approach guided by a dedicated Investment Committee and supported by extensive custodial and technology partnerships.

Meghan Koths is a financial advisor at Hantz Financial Services, Inc. with 13 years of industry experience. She holds the Series 66 designation and has been with Hantz Financial Services since 2013. 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 delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, complemented by third-party managers and Direct Indexing, and integrates advisory, brokerage, mortgage, and insurance services within its enterprise structure.

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.

Laura Treanor is a financial advisor at Oppenheimer with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Raymond James & Associates, The Huntington Investment Company, and J.P. Morgan Securities. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, with advisory strategies spanning equity, balanced, and fixed-income portfolios using both discretionary and non-discretionary approaches.