Liu Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Liu is also president of Synergy CPA Tax & Financial Services LLC, where they provide tax preparation, accounting, and consulting services. Their prior work includes 12 years at the State of Michigan and ongoing roles with WFGIA and Transamerica Financial Advisors. Transamerica Financial Advisors serves individual investors, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services, including fee-based wrap programs, model portfolios, and access to third-party money managers.

Nathan Hudson is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds Series 66 and Series 63 credentials. Prior to joining AE Wealth Management, he worked at Bankers Life Advisory and Bankers Life Securities, Inc. 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 combines fundamental, technical, and cyclical analysis with strategies such as direct indexing and tactical asset allocation.

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.

Biju Nochiyil is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has one year of industry experience and concurrently works with healthcare organizations including Tone Home Health, Trinity Health, Corewell Health, and World Financial Group Insurance Agency. Beyond his advisory role, he has experience in the healthcare sector spanning multiple employers over the last several years. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party money managers, delivering tailored investment solutions with both discretionary and non-discretionary options.

Brett Gehringer is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with Hantz Financial Services since 2006. Outside of advisory work, he is also the owner of a commercial property management business. 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 utilizes ETF-based model portfolios supplemented by third-party managers and employs technology-driven tools such as automated tax-loss harvesting to deliver comprehensive financial planning and wealth management.

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.

Jason Crockett is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 credentials with 23 years of industry experience, all with Hantz Financial. Since 2004, he has also worked as a snowboard and ski instructor with Snowsnake Ski & Golf. Hantz Financial Services serves individual clients—including high-net-worth households—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 innovative technologies such as automated tax-loss harvesting and AI-assisted data aggregation.

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.

Jason Hall is a financial advisor with Hantz Financial Services, Inc. in Midland, Michigan. He holds Series 63 and Series 65 designations and has 24 years of industry experience, entirely 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 organizations, 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 unified managed accounts.

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.

John Vandenbosch is a Series 65 licensed advisor with Hantz Financial Services, Inc. in Midland, Michigan, where he has worked for 12 years and has a total of 10 years of industry experience. Outside of his advisory role, he serves as a board member and shareholder in John A. Vandenbosch Co., a family-owned company in the pet specialty, outdoor bird, livestock/farm, lawn and garden, and deer markets, without involvement in daily operations. Hantz Financial Services, Inc. serves a diverse client base including individuals, high-net-worth households, pension plans, charitable and corporate clients, and business owners. The firm provides financial planning, portfolio and wealth management primarily through ETF-based model portfolios complemented by third-party managers, and integrates advisory, brokerage, mortgage, and insurance services within its enterprise structure.

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.

Aaron Lemanski is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Hantz Financial Services since 2006. Outside of his advisory role, he owns Vitality Farm and Baker, a bakery and produce business where he also teaches food classes and cares for animals, and works as an event entertainer dealing table games for private parties. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, and business owners. The firm provides financial planning and wealth management primarily through ETF-based model portfolios supported by third-party money managers and employs a range of technology and partnerships in its investment and advisory operations.

Daniel Waskiewicz is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2011. He holds the Series 66 designation and operates out of Frankenmuth, MI. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a diverse range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, with a focus on strategic asset allocation, manager selection, and tailored performance reporting.

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.

Byron Swarts is a financial advisor at Oppenheimer with 14 years at the firm and 11 years of industry experience. He holds the Series 66 designation. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, consulting, and retirement planning.

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.