David Nichols is a CFP® and ChFC® with 21 years of industry experience. He has been with Hantz Financial Services, Inc. in Ann Arbor, MI since 2004. 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 along with separately managed accounts and unified managed account solutions, offering an array of financial planning, portfolio management, and fiduciary services supported by affiliated banking, consulting, insurance, and mortgage businesses.

Joshua Ginepro is a financial advisor at Hantz Financial Services, Inc. with three years of industry experience. He holds a Series 66 designation and has prior work history including self-employment and roles at St. Thomas Aquinas and Darden Restaurants. 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, and offers extensive implementation capabilities supported by affiliated entities such as a state-chartered trust bank and in-house tax and business consulting services.

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.

Gino Gaudino is a financial advisor at SPC with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Sigma Financial Corporation since 2008. Outside of his advisory role, Gaudino serves as a board member of the NOI Foundation in Clinton Township, MI, promoting Italian language and culture in Michigan schools. He also continues to work as a pilot for Delta Airlines. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisers, providing both discretionary and nondiscretionary investment strategies.

Megan Pafford is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 credentials with 19 years of industry experience. She has been with Hantz Financial Services since 2006. 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, and offers expanded implementation capabilities through affiliated banking, tax, insurance, and mortgage businesses.

Jennifer Watson is a financial advisor at SPC with 12 years of industry experience. She holds a Series 66 designation and has worked at SPC since 2015, with prior experience at Parkland Securities and Sigma Financial. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisers.

Brandyn Feller is a financial advisor at SPC with one year of industry experience. He holds a Series 66 designation and has previously worked at Sigma Financial Corporation, Touch Financial Group, Mars Information Services Inc, Weston Foods/FGF Brands, Nestle USA, and Hostess Brands. Outside of his advisory role, he is involved in the sale of non-variable insurance products through various providers. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans with over $5.66 billion in assets under management. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering strategies based on client suitability and providing both discretionary and nondiscretionary management options.

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 prior work experience at the University of Michigan, Premier Pet Supply, and Berkley High School. Hantz Financial Services, Inc. serves individual investors, corporate, and retirement plan clients through a multi-advisor platform managing about $10 billion in assets. The firm focuses on diversified, ETF-centered model portfolios and offers services including financial planning, wealth management, retirement consulting, and mortgage brokerage through affiliated agencies.

Logan Harkins is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation with one year of industry experience. Prior to joining Hantz Financial Services in 2025, he worked in education at Lawrence Tech University and several schools. Outside of finance, he has been involved with Soccer World since 2021. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer serving individual, corporate, and retirement plan clients through a multi-advisor platform managing approximately $10 billion in assets. The firm emphasizes diversified, ETF-focused model portfolios with various strategies and offers a range of financial planning, wealth management, retirement consulting, and mortgage and insurance services through affiliated agencies.

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.

Daniel Detloff is a financial advisor with SPC in Ann Arbor, MI, holding a Series 63 designation and totaling 35 years of industry experience. He has been with Sigma Planning Corporation since 2004 and Sigma Financial Corporation since 1995. Outside of his advisory roles, he is a notary public in Byron Center, MI. 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.

Bailey Castiglione is a Series 66-licensed advisor at SPC with two years of industry experience. Prior to joining SPC, Bailey worked at Promedica for eight years. 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 primarily delivered at the advisor level.

Amy Lavoie is a CFP® and ChFC® with 21 years of industry experience. She has been with Hantz Financial Services, Inc. in Ann Arbor, MI since 2004. Hantz Financial Services serves a diverse client base that includes individual investors, charitable organizations, corporate clients, and retirement-plan sponsors. The firm employs a model-driven ETF investment approach combined with separately managed accounts and unified managed account solutions, supported by affiliated entities including a state-chartered trust bank and in-house tax and business consulting services.

Michael Penn is a CFP® with 30 years of industry experience, currently serving at SPC. He has worked with Sigma Financial Corporation and Harvard Financial Investments, Inc. since 1995 and has maintained his own accounting and tax practice since 1978. In addition to his advisory work, he is involved in health insurance sales through Harvard Agency Inc. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing over $5.6 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering strategies through discretionary and nondiscretionary arrangements.

Richard Lax is a financial advisor at SPC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Sigma Financial Corporation since 1999. Outside of his advisory role, he serves as a non-paid administrator at Ward Presbyterian Church in Northville, Michigan. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement services through a large network of advisors and employs both discretionary and nondiscretionary management strategies.

Christian Cicchella is a CFP®-certified financial advisor with 29 years of industry experience. He has been with SPC and Sigma Financial Corporation since 2004. In addition to his advisory role, he is involved in selling fixed life, health, disability, and fixed annuities, as well as property and casualty insurance marketed through The McNish Group. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management tailored to client needs.

Gary Jarvis Jr. is a financial advisor with SPC in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has worked with Sigma Planning Corporation since 2003 and has been involved with Security First Benefits Corporation since 1999, where he is also an insurance agent specializing in health and life insurance products. SPC serves a diverse client base including individuals, high-net-worth households, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 investment adviser representatives.

Kimberly Jones is a financial advisor with SPC in Ann Arbor, MI, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with SPC, Parkland Securities, and Sigma Financial Corporation since 2013. Jones serves as a board member of the Arabian Horse Association of Michigan, where she assists in growing membership and promoting the annual spring horse show. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, offering portfolio management, financial planning, and ERISA-related services. The firm provides discretionary and nondiscretionary investment management and works with third-party managers, maintaining formal succession protocols and compliance controls.

Charlene Reardon is a financial advisor with NorthCoast Asset Management LLC, holding Series 63 and Series 65 credentials and 15 years of industry experience. She previously worked at Telemus Capital LLC for 11 years and has been with Kovitz Investment Group Partners, LLC since 2024 and Focus Partners Wealth, LLC since 2026. NorthCoast Asset Management provides investment advisory services to a diverse client base, including individuals, retirement plans, corporations, and charitable organizations. The firm employs a quantitative and systematic investment approach, offering a broad range of portfolio management strategies and acting as a fiduciary for ERISA and IRA accounts.

Brandon Rydell is a financial advisor at SPC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with Sigma Financial Corporation since 1997 and with Parkland Securities since 2014. He serves as a board member for the Give and DELIVER SPS Family Charitable Foundation, a nonprofit organization supporting fundraising activities linked to his associated firms. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm supports a large advisory network and delivers tailored investment advice primarily through the SIGMA Managed Account program and other account offerings.