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.

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 two years of industry experience. He holds a Series 66 designation and has worked at firms including Touch Financial Group, Sigma Financial Corporation, and Mars Information Services Inc. Outside of his advisory role, he is involved in the sale of non-variable insurance products through various insurance providers. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm delivers tailored, discretionary advice through a large network of advisors and offers a range of account programs supported by partnerships with Fidelity and third-party providers.

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.

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.

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.

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 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.

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.

Steven Urli is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His career includes positions at Voya and Principal Life Insurance Co., where he worked prior to joining Principal Securities in 2025. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager solutions.

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.

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.

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.

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.

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.