Jacob Nicol is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 designation and four years of industry experience. He has been with Hantz Financial Services since 2019. His prior work history includes roles at Alco Plastics, Greystone Golf Club, Oakland University, Brookside Storage, and Romeo High School. 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 across multiple risk levels, supplemented by third-party money managers and direct indexing, employing a mix of advisory, brokerage, mortgage, and insurance services.

Timothy Lemke is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses and 28 years of industry experience with the firm. Outside of his advisory role, he is involved in the sales and distribution of health supplements, serves as Treasurer and performer for a local nonprofit Christmas production, and mentors students in a school robotics program. Hantz Financial Services, Inc. serves individual, pension, charitable, corporate, and business clients, offering financial planning and wealth management primarily through ETF-based model portfolios across five risk levels. The firm combines advisory, brokerage, mortgage, and insurance services and utilizes technology partnerships for Direct Indexing, AI-assisted data aggregation, and retirement plan consulting.

Caleb Owens is a Series 66-licensed advisor with Hantz Financial Services, Inc. in Midland, MI. He joined the firm in 2025 and has prior experience with Owens Outdoor Services LLC and educational roles at Cornerstone University and Skeels Christian School. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension plans, and businesses, offering financial planning and wealth management primarily through ETF-based model portfolios across multiple risk levels. The firm integrates advisory, brokerage, mortgage, and insurance services and employs technology-driven solutions such as AI-assisted data aggregation and automated tax-loss harvesting.

Kyle Jahnke is a CFP® professional with four years of industry experience, currently with Wealth Enhancement Advisory Services, LLC. Prior to joining Wealth Enhancement, he worked at Cambridge Investment Research Advisors, Inc. and The Dow Chemical Company. Outside of his advisory work, Jahnke serves as secretary for Holy Cross Lutheran Church and treasurer for the Valley Lutheran High School Foundation, both volunteer roles in his community. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach blending passive and active strategies overseen by an internal Investment Committee.

Alycia Hovey is a financial advisor at Hantz Financial Services, Inc. She holds a Series 65 designation and has three years of industry experience. Her prior work experience includes roles at RFM Group and Dension Financial, as well as positions at Central Michigan University and Grand Valley University. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension plans, charities, corporations, and business owners. The firm emphasizes ETF-based model portfolios across multiple risk levels, incorporating third-party money managers and technology-driven solutions such as automated tax-loss harvesting and AI-assisted data aggregation.

Benjamin Dembowski is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 66 designation with two years of industry experience. Prior to joining Hantz Financial Services in 2023, he worked at Delta College for six years and at Darden Restaurants for eight years. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable organizations, and business owners, offering financial planning, portfolio management, and retirement consulting. The firm uses ETF-based model portfolios across five risk levels, supplemented by third-party managers and technology-enabled solutions such as Direct Indexing and automated tax-loss harvesting.

Luke Suminski is a financial advisor at AE Wealth Management, LLC with 11 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining AE Wealth Management in 2023, he worked at Oppenheimer & Co and Thrivent Financial. Outside of his advisory role, he is involved in several community organizations, including serving as past president of Muth United FC, a sports promoting group, and holding leadership positions with Ascension St. Mary’s Foundation and the Frankenmuth City Economic Development Company. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a variety of investment strategies, serving approximately 127,000 clients with a platform approach that emphasizes standardized models and broad product access.

Scott Hall is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, with 23 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Hantz Financial Services since 2002. Outside of his advisory role, he prepares tax returns for friends and family during the tax season. Hantz Financial Services, Inc. serves a diverse client base including individuals, high-net-worth households, pension plans, charitable organizations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and Direct Indexing, and combines advisory services with mortgage and insurance product sales as well as private fund management.

Nora Strait is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and six years of industry experience. She has held roles at multiple firms including Merrill Lynch, Raymond James Financial Services, and Bank of America. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network and employs a diversified investment approach blending passive and active management overseen by an internal Investment Committee.

Carol Cushman Cram is a financial advisor at Hantz Financial Services, Inc. with seven years of industry experience. She holds the Series 66 designation and has worked previously at Bank of America, Merrill, and Carey Allstate Insurance. Hantz Financial Services serves a wide range of clients, including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm utilizes ETF-based model portfolios supplemented by third-party money managers and employs technology such as automated tax-loss harvesting and AI-assisted data aggregation in its advisory process.

Nolan Mcintosh is a Series 65-licensed financial advisor with eight years of experience, currently affiliated with AE Wealth Management, LLC since 2019. He is also a partner at Focus Wealth Planning, LLC, where he provides legacy planning services. His prior work includes roles at Functional Advantage and Brokers Financial, as well as nearly a decade at Evergreen Physical Therapy. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that integrates internally managed, third-party, and advisor-managed models.

Derek Johnston is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience. He holds a Series 66 designation and has previously worked in roles at Campus Village, Federal Ammunition, and Saginaw Psychiatry, among others. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm employs ETF-based model portfolios supplemented by third-party managers and uses a variety of technology platforms for portfolio management, tax-loss harvesting, and client data aggregation.

Derrick Young is a financial advisor at Hantz Financial Services, Inc. He holds the Series 66 designation and has one year of experience in the industry. His prior work includes roles in education and engineering, as well as positions at McDonald's. Hantz Financial Services, Inc. serves a diverse client base including individual, pension, charitable, and business owner clients. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supported by third-party managers and technology platforms, and combines advisory, brokerage, mortgage, and insurance services.

Leanne Kovach is a financial advisor at Wealth Enhancement Advisory Services, LLC with eight years of industry experience. She holds a Series 66 designation and has worked previously with firms including Raymond James Financial Services Advisors, Gavin Financial Group, and Edward Jones. Kovach is based in Midland, MI. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and access to separate managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified investment process combining passive and active strategies overseen by an internal Investment Committee.

Ryan Rasmussen is a financial advisor with Benjamin F. Edwards & Company, Inc., holding a Series 66 designation and beginning his advisor career in 2025. His prior work experience includes roles at Crystal Mountain, Great Lakes Ag Labor Services, Bodo Moeller Chemie, Hope College, and various educational institutions. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through a network of over 500 advisors. The firm offers a range of services including wrap-fee advisory programs, financial planning, retirement plan consulting, investment management, brokerage services, insurance products, and certain M&A advisory services.

Frederick Gray is a financial advisor at Independent Financial Group, LLC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Investors Capital Corp. and Edward Jones. Gray serves on the boards of the Thomas Township Business Association, Midland First United Methodist, Thomas Township DDA, and the Thomas Township Kiwanis Club. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and retirement plans. The firm offers financial planning, portfolio management, and third-party asset manager programs, using both firm- and third-party models tailored to client risk tolerances.

Bryce Lipovsky is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 66 designation with six years of industry experience. His work history includes roles at Hantz Financial Services since 2020, as well as previous positions at Northwood University, WillSub, DNR, and Northwestern Mutual. 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 offers financial planning, portfolio and wealth management through ETF-based model portfolios and third-party managers, retirement plan consulting, and brokerage, mortgage, and insurance services via affiliated entities.

Joshua Baeza is a financial advisor at Benjamin F. Edwards & Company, Inc. with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Prudential Investment Management Services LLC, Prudential Insurance Company of America, and Prudential Annuities Distributors. Outside of finance, his work history includes roles at Angry Owl and Claude's Sauces. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of advisory and financial services, combining proprietary strategies with third-party models and operating an internal trading desk alongside custody and clearance services.

Erin Lemke is a financial advisor at Hantz Financial Services, Inc. in Midland, Michigan, with 31 years of industry experience. She has been with Hantz Financial Services since 1999. Outside of her advisory role, she is involved in a health supplement distribution business and advocates for merchant services education, working primarily with non-profit organizations to improve fundraising efforts. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm employs ETF-based model portfolios supplemented by third-party managers and offers financial planning, wealth management, retirement consulting, and brokerage and insurance services through affiliated entities.

Chad Capp is a financial advisor at Hantz Financial Services, Inc. in Midland, 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 households, retirement plans, charitable organizations, and business owners. The firm focuses on financial planning and wealth management through ETF-based model portfolios across multiple risk levels, complemented by third-party managers and advanced technology platforms.