Paul Costa is a financial advisor at Corecap Advisors with 41 years of industry experience. He holds Series 63 and Series 66 designations. Outside of his advisory role, Costa is involved in insurance sales, specializing in life insurance, fixed annuities, and equity-indexed annuities. Corecap Advisors provides discretionary investment and portfolio management along with standalone financial planning to individuals, self-directed retirement accounts, pension and profit-sharing plans, trusts, estates, and corporations. The firm employs a relationship-oriented, individualized approach with a long-term investment horizon, using a variety of investment vehicles and sub-advisors to manage client portfolios.

Nicholas Elliott is a financial advisor with Hantz Financial Services, Inc. in Bay City, MI, holding a Series 66 designation and five years of industry experience. Prior to joining Hantz in 2021, he worked at Dick's Sporting Goods and Michigan State University among other positions. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, and corporate clients. The firm provides financial planning and wealth management using ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and advanced technology platforms.

Adam Chrysler is a financial advisor at Hantz Financial Services, Inc. with five years of industry experience. He holds a Series 66 designation and has previously worked at Northwood University, Swan Valley Golf & Banquet, and Vondette Roofing. Hantz Financial Services serves a diverse client base including individual investors, high-net-worth households, pension and profit-sharing plans, as well as charitable and corporate clients. The firm employs ETF-based model portfolios supplemented by third-party managers and uses technology-driven methods such as automated tax-loss harvesting and AI-assisted data aggregation in its investment approach.

John Hereza is a financial advisor with PNC Wealth Management in Saginaw, MI, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked with PNC Bank since 2010 and PNC Investments since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees. The firm uses algorithmic risk assessments to guide portfolio strategy with implementation by approved third-party managers, focusing on mutual funds and ETFs with annual rebalancing.

Grayson Miller is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has worked in various roles across several companies, including Aptiv, Arbor Research and Trading, and United Wholesale Mortgage. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm employs ETF-based model portfolios supplemented by third-party money managers and offers a combination of advisory, brokerage, mortgage, and insurance services through affiliated entities.

Jonathon Chapman is a ChFC® credentialed financial advisor with 34 years of experience, currently with Hantz Financial Services, Inc. since 1999. He also has a longstanding association with Ray Miller Jr. dating back to 1991. Hantz Financial Services, Inc. serves a diverse client base including individual, high-net-worth, pension, charitable, corporate, and business owner clients. The firm focuses on financial planning and wealth management through ETF-based model portfolios and third-party managers, combining advisory, brokerage, mortgage, and insurance product services within its enterprise structure.

Bryan Carroll is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2010. Prior to joining Oppenheimer, he worked at UBS Financial Services for 12 years. Outside of his advisory role, he assists with his wife's family business, Geddes Farm, and participates in a professional networking group called The Referral Exchange. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a broad range of programs and advisory services, including equity, balanced, and fixed-income portfolios, delivered on both discretionary and non-discretionary bases.

Thomas Pellerito is a Certified Financial Planner® at Hantz Financial Services, Inc. with 13 years of industry experience. He has been with Hantz Financial Services since 2012. Outside of his advisory role, he serves as Treasurer for the Jean M.R. Smith Foundation, a scholarship and charitable fund. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable organizations, 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, and integrates technology solutions such as automated tax-loss harvesting and AI-assisted client data aggregation.

Joshua Anders is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Bankers Life Advisory Services since 2020 and has been affiliated with Bankers Life and its related entities since 2007. Outside of his advisory role, Anders serves as a Player Agent for the North Saginaw Township Little League, organizing player registration and team assignments. Bankers Life Advisory Services provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a blend of fundamental and technical analysis to guide investment decisions.

David Freeman is a Series 65-credentialed advisor at Hantz Financial Services, Inc. with six years of industry experience. His work history includes roles at Hantz Tax and Business and Blystone and Bailey CPA. Hantz Financial Services serves individual clients, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm provides financial planning and wealth management using ETF-based model portfolios and third-party managers, alongside retirement plan consulting and affiliated brokerage, mortgage, and insurance services.

Emily Glaza is a CFP® professional with 25 years of experience in financial advising, currently with Hantz Financial Services, Inc. since 2001. Outside of her advisory role, she volunteers as a coach for the Nouvel/Freeland School Trap and Skeet Team, serves on the board of the 1in6 Support Group aiding parents of children with special needs, and works as a contractor for Young Living Essential Oils. Hantz Financial Services, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and business owners. The firm emphasizes ETF-based model portfolios supplemented by third-party managers and unified accounts, and integrates advisory, brokerage, mortgage, and insurance services along with private fund management and technology partnerships.

Thomas Ladwein is a financial advisor with Hantz Financial Services, Inc. He holds a Series 66 designation and has been with the firm since 2026. His prior experience includes roles at Northwood University and several community organizations in Michigan. Hantz Financial Services serves a diverse client base, including individual and high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm employs ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and technology-driven solutions such as Direct Indexing and automated tax-loss harvesting.

John Duchaine IV is a financial advisor with GWN Securities Inc. based in Bay City, MI. He holds the ChFC® designation and has 41 years of industry experience, including 27 years with Axa Advisors, LLC. He is also president of Duchaine Financial Consultants, LLC, focusing on fixed annuity sales and service. GWN Securities Inc. is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of advisors and offers a range of investment programs, including traditional asset allocation and legacy market-timing strategies.

Benjamin Piggott is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 designation and two years of industry experience. Prior to joining Hantz Financial Services, he worked at Bluemark Financial Advisor and held various roles in education and retail. Hantz Financial Services, Inc. serves a diverse client base including individual investors, high-net-worth households, pension and profit-sharing plans, charities, corporations, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios across various risk levels, supplemented by third-party managers and Direct Indexing, while also providing brokerage, mortgage-broker, and insurance services via affiliated entities.

Quinten Perez is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has held positions in both financial services and healthcare organizations. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm offers financial planning and portfolio management through ETF-based model portfolios and third-party money managers, combining advisory and broker-dealer activities alongside mortgage and insurance product sales.

Joshua Funsch is a CFP® with 23 years of experience, currently serving at Hantz Financial Services, Inc. in Saginaw, MI since 2003. He holds Series 63 and Series 65 licenses. Hantz Financial Services, Inc. serves individual clients, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm uses ETF-based model portfolios combined with third-party managers and technology-driven solutions to provide financial planning, portfolio management, and retirement plan consulting.

Starrlin Heuschele is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience and holds a Series 66 designation. Prior to joining Hantz, he worked in various roles including at Sams Club and Links of Novi, and attended Central Michigan University. Hantz Financial Services serves a diverse clientele including individual investors, high-net-worth households, pension and profit-sharing plans, and business owners. The firm specializes in financial planning and portfolio management through ETF-based model portfolios and third-party strategies, combining advisory, brokerage, mortgage, and insurance services within an enterprise structure.

Ryan Neil is a financial advisor at Hantz Financial Services, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Hantz Financial Services since 2000. Outside of his advisory work, Neil serves as an officer and director for Nouvel Catholic Central Elementary Athletics, assisting with budgeting for athletic programs. Hantz Financial Services serves individual clients, 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 and third-party managers, integrating technology and diverse product lines including advisory, brokerage, mortgage, and insurance services.

Jayson Sacco is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63, 65, and 66 licenses and has 26 years of industry experience. His previous roles include positions at Charles Schwab & Co., Ameriprise Financial Services, Fidelity Investments, USAA Group, and other firms. Outside of advising, he hosts a weekly podcast focused on axial spondyloarthritis and writes fiction books. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on asset allocation models and internal research tools, with trades executed only upon client authorization.

Eric Sowatsky is a financial advisor at Cetera Planning Partners with three years of industry experience and holds the PFS™ designation. Prior to joining Cetera Planning Partners, he worked at Avantax Planning Partners, Inc. He is also involved as a shareholder in Yeo & Yeo, P.C., a CPA firm offering accounting, tax planning, and business consulting services, where he serves as a principal and heads the Saginaw tax department. Additionally, he participates as a Grain Committee member with the Michigan Agribusiness Association. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, providing investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment process centers on diversified allocations of mutual funds and ETFs tailored to client objectives and risk tolerance, with ancillary services including tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.