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.

Eric Boddy is a financial advisor with SPC in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 26 years before joining SPC and Sigma Financial Corp in 2025. Boddy is also involved in the sale of non-variable life insurance products. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and a range of ERISA-related retirement plan services through a network of over 460 advisors managing approximately $5.66 billion in assets.

Pamela Sarney is a CFP® with 45 years of experience in the financial services industry. She has worked with Sigma Financial Corporation since 1999. Pamela operates a financial services business under Strategic Planning Concepts, Inc. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm supports a large advisory network and offers tailored, discretionary investment advice through various account programs.

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.

Peter Glaab III is a CFP® with 40 years of experience in the financial services industry, currently affiliated with SPC. He has worked at Sigma Financial Corporation since 1988 and has been involved with Individual Financial Planning Inc since 1981. He serves as president of the St. Stephen Endowment Fund, a nonprofit role in which he volunteers time without compensation. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm supports a large network of advisors delivering customized, discretionary investment advice and offers multiple account programs with custody services through Fidelity/NFS.

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.

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.

Robert Markley is a financial advisor with SPC, holding a Series 63 designation and 38 years of industry experience. He has been associated with SIGMA Financial Corporation for over 31 years and has a long career dating back to 1967, including work with Fidelity Union Life and his own practice. Outside of advisory activities, he is involved in the sale of various insurance products through SIGMA Financial. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm supports a large network of advisors and offers tailored, discretionary investment advice through several account programs, operating with notable affiliations among broker-dealers and insurance agencies.

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.

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.

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.

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.