Christopher Deruyver is a financial advisor with Commonwealth Financial Network in Chelsea, MI, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with Commonwealth since 2009 and is also affiliated with Affinity Wealth Solutions since 2004. Outside of his advisory roles, he owns Deruyver Properties, LLC, which manages sub-leasing and branch office expenses. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services along with operational, trading, technology, investment management, compliance, and practice-management support. The firm offers multiple investment program structures and discretionary model portfolios managed by its Investment Management and Research team.

Timothy Laurain is a financial advisor with SPC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with SPC since 2014 and also maintains a longstanding role at E.W. Smith Agency, Inc. Outside of his advisory work, Laurain serves as a volunteer firefighter and EMT. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing over $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering strategies tailored to client suitability through discretionary and nondiscretionary arrangements.

Timothy Schriber is a financial advisor at SPC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with SPC and Sigma Financial Corporation since 2010. In addition to his advisory role, he is an independently licensed insurance agent selling life, health, disability, long-term care insurance, and annuities. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers a range of portfolio management, financial planning, and ERISA-related retirement services, delivering mostly discretionary management with options for nondiscretionary and direct-at-fund arrangements.

Justin Bennett is a financial advisor at Commonwealth Financial Network with ten years of industry experience. He holds the Series 66 designation and is based in Ann Arbor, Michigan. Bennett has worked at Commonwealth since 2014, returning to the firm in 2026 after a brief period with Select Financial Services, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base including individuals and institutions. The firm offers a range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services, supporting advisors with both discretionary and nondiscretionary portfolio management options.

Bradley Turnwald is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has been with Hantz Financial Services since 2002. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, offering a range of financial planning, wealth management, and fiduciary services supported by affiliated entities such as a state-chartered trust bank and in-house tax and business consulting.

Robert Markley is a financial advisor with SPC based in Ann Arbor, MI, holding a Series 63 designation and bringing 37 years of industry experience. He has been affiliated with SIGMA Financial Corporation since 1995 and has a long career dating back to 1967, including work with Fidelity Union Life and his own practice. Outside of advisory services, he is involved in the sale of various insurance products, including health, long-term care, annuities, and life insurance. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services, offering both discretionary and nondiscretionary management options tailored to client needs.

Malinda Choate is a financial advisor with Bankers Life Advisory Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 66 licenses and having 14 years of industry experience. She has been associated with Bankers Life and its affiliated entities since 2012, including roles at Bankers Life Advisory Services, Bankers Life Securities, and Bankers Life & Casualty. In addition to her advisory work, she is an insurance agent with Bankers Life and Casualty. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create and manage customized portfolios aligned with clients’ goals and risk tolerances.

Jordon Lokatys is a financial advisor with Empower Advisory Group, holding a Series 66 designation and three years of industry experience. Prior to his current role starting in 2024, he worked at Equitable Advisors and had six years of experience with South Lyon Pizza Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Wendy Masen is a financial advisor at SPC with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Sigma Financial Corporation since 2006. In addition to her advisory role, she sells various insurance products through multiple insurance companies. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers and manages approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, providing both discretionary and nondiscretionary management options.

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.

Kevin Rogan is a financial advisor with Commonwealth Financial Network in Ann Arbor, MI, holding Series 63 and Series 65 licenses and having four years of industry experience. He has been with Commonwealth Financial Network and Legacy Wealth Partners since 2020. Outside of his advisory work, he has been involved with New Life Church of Ann Arbor since 2008. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management and compliance services, while allowing advisors discretion in portfolio construction.

Deanna Mouat is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, with four years of industry experience. She holds the ChFC® designation and Series 66 license. Prior to joining Hantz Financial Services in 2021, she worked at Kaplan College, Foresight Capital Management, Baker College, and March Plating Corp. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and offers a range of financial planning, portfolio management, and fiduciary services.

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.

Kurt Steffen is a financial advisor at SPC with 11 years of industry experience. He holds a Series 66 designation and has worked at SPC since 2015, with additional experience at Parkkland Securities and Sigma Financial Corporation. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisors managing approximately $5.66 billion in assets.

Mykel Barnes is a financial advisor with SPC in Grand Rapids, MI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with SPC and Sigma Financial Corporation since 2009. Outside of advising, Barnes serves as an area pastor with Christian Life Center/Stones Church and assists his spouse in her small business consulting. SPC serves a diverse client base including individuals, high-net-worth households, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisors managing approximately $5.66 billion in assets.

Ty Jubb is a financial advisor with SPC in Ann Arbor, MI, holding a Series 66 designation and no prior industry experience. He has worked with Sigma Planning Corporation and Sigma Financial Corporation since 2026 and is a salaried employee at Joseph Derrick Advisors LLC. Outside of his advisory role, he works as a food delivery contractor for DoorDash and Uber Eats. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individual investors, employer-sponsored plans, charitable organizations, and corporate clients. The firm supports a large advisory network delivering tailored and discretionary investment advice, and maintains affiliations with broker-dealers and insurance agencies while partnering with Fidelity for custody and execution services.

Adam Finch is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with CWM, LLC and its DBA Carson Partners, where he has served as a wealth advisor since 2021. His prior experience includes long-term roles at Sigma Planning Corp and RFC Financial Planners. Finch is also involved as a co-owner and financial planner of a fixed insurance business and holds leadership roles on the board of the Financial Planning Association of Michigan. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, retirement plan services, and uses a discretionary management approach employing model portfolios overseen by an internal Investment Committee.

Sean Latham is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI. He holds a Series 66 designation and has been with Hantz Financial Services since 2025. Prior to this, he worked at Rocket Mortgage and Ann Arbor State Bank and attended Grand Valley State University. Hantz Financial Services, Inc. serves individual investors, corporate, and retirement plan sponsors through a multi-advisor platform managing approximately $10 billion in assets. The firm focuses on diversified, ETF-centered model portfolios, offering services that include financial planning, portfolio management, retirement consulting, and mortgage brokerage through affiliated agencies.

Brian Goodwin is a CFP® professional with 18 years of experience, currently serving at SPC since 2008 and Sigma Financial Corporation since 2007. He owns Goodwin, Lademan & Associates, Inc., which sells non-variable insurance products and manages office operations. Additionally, he participates in Amazon Vine, reviewing new and pre-release retail products. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers and approximately $5.66 billion in assets under management. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services, offering both discretionary and nondiscretionary management options.

Haley Hegenauer is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. She holds a Series 66 designation and has two years of industry experience, including prior roles at Mercer Advisors and Hantz Financial Services. Hantz Financial Services serves a diverse client base, including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, with additional capabilities in insurance, mortgage brokerage, and affiliated trust and consulting services.