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 Series 63 licensed financial advisor with 32 years of industry experience, currently with Hantz Financial Services, Inc. where she has worked since 1999. Outside of her advisory role, she is involved in a home-based health supplement distribution business and advocates for merchant service education through Surve-Us, LLC, focusing on helping nonprofit organizations improve fundraising efforts. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, and charitable and corporate clients. The firm employs ETF-based model portfolios complemented by third-party managers and uses technology platforms for portfolio management, with a business model that integrates advisory, broker-dealer, mortgage, and insurance services.

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.

Mirandy Myers is a Series 65-licensed advisor at Hantz Financial Services, Inc. with two years of industry experience. She has been with Hantz Financial Services since 2019, and her prior work includes roles at Mid Michigan Health, Cuptured, and Pure Laundry LLC. Hantz Financial Services serves individual clients, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm offers financial planning and portfolio management primarily through ETF-based model portfolios, supported by third-party managers and technology platforms, and is notable for its combined advisory, broker-dealer, mortgage, and insurance activities.

Cameron Formsma is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has worked at Hantz Financial Services since 2024. Prior to that, he held various positions across retail and service industries. Hantz Financial Services, Inc. serves individual clients, 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 advanced portfolio management technologies.

Tara Stensrud is a financial advisor at Cetera Planning Partners with three years of industry experience. She holds the PFS™ designation and previously worked at Avantax Planning Partners, Inc. Stensrud is also a principal at Yeo & Yeo, P.C., a full-service CPA firm where she provides tax and accounting services and leads a team of ten professionals. Outside of financial advising, she is involved with several related business activities including wealth management and medical billing services. Cetera Planning Partners serves individual and high-net-worth clients, focusing especially on pre-retirees and retirees, and offers investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm provides additional services such as tax planning, bookkeeping, payroll support, and estate planning through affiliated providers, using a diversified investment approach tailored to client objectives and risk tolerance.

Matthew Bishop is a CFP® with 25 years of industry experience, currently affiliated with Benjamin F. Edwards & Company, Inc. in Midland, MI, where he has worked since 2013. He previously worked at Wells Fargo Clearing from 2010 to 2013. Outside of his advisory role, he serves as a board member of CBM Services, Inc., a non-investment related organization based in Midland, Michigan. Benjamin F. Edwards & Company is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of services including financial planning, retirement plan consulting, investment management, brokerage, insurance products, and M&A advisory services using both proprietary and third-party investment strategies.

Gage Gransden is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience and holds a Series 66 designation. His prior work includes roles in education and retail, such as positions at Carrollton Public Schools, Saginaw Valley State University, and JJ Kosher Store. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party money managers and Direct Indexing, and combines advisory, brokerage, mortgage, and insurance services within its enterprise structure.

Ryan Micho is a financial advisor with Hantz Financial Services, Inc. in Midland, MI. He holds a Series 65 designation and has 10 years of industry experience. Micho has been with Hantz Financial Services since 2012. Hantz Financial Services, Inc. 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 focuses on ETF-based model portfolios across varied risk levels, supplemented by third-party money managers and Direct Indexing, and offers integrated advisory, brokerage, mortgage, and insurance services.

Connor Smith is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 66 designation with three years of industry experience. Prior to joining Hantz, he worked in the hospitality sector at Lucky's Steakhouse and Vivante French Eatery. Hantz Financial Services, Inc. serves a diverse client base including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm utilizes ETF-based model portfolios across varying risk levels, supplemented by third-party managers and technology-enabled tax-loss harvesting, combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Ralph Brozzo is a CFP®-certified financial advisor at Benjamin F. Edwards & Company, Inc. with 30 years of industry experience. He has worked at Benjamin F. Edwards since 2013 and previously at Wells Fargo Clearing for three years. Outside of advisory work, he holds a majority ownership in Debroz Entertainment Co., an investment-related business in Midland, Michigan. 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 over 500 advisors. The firm offers a range of advisory and brokerage services, including proprietary and third-party investment strategies delivered via discretionary and non-discretionary managed solutions.

Frederick Lambert is a Series 65-licensed financial advisor at Hantz Financial Services, Inc. in Midland, MI, with 11 years of industry experience. He has been with Hantz Financial Services since 2014. Hantz Financial Services serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, charitable organizations, 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 and direct indexing, and combines advisory, brokerage, mortgage, and insurance services in a multi-faceted enterprise structure.

Jacob Chapman is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Midland Country Club and Michigan State University. 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, portfolio and wealth management primarily through ETF-based model portfolios, supplemented by third-party money managers and advanced tools such as automated tax-loss harvesting and Direct Indexing.

Joseph Swope is a financial advisor at Hantz Financial Services, Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at Precision Risk Management and Decorative Panels International. Outside of advisory roles, he oversees and advises the security team at Cardinal Corners LLC, an apartment complex. Hantz Financial Services serves individual, pension, charitable, corporate, and business owner clients through financial planning, portfolio and wealth management, and retirement plan consulting. 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.

Gavin Patterson is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding CFP® and Series 66 credentials with three years of industry experience. His prior work includes roles at Saginaw Valley State University, Subway, M.J. Electric, and New Lothrop High School. Hantz Financial Services serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and portfolio management primarily through ETF-based model portfolios across various risk levels, supplemented by third-party managers and Direct Indexing, alongside retirement plan consulting and affiliated brokerage, mortgage, and insurance services.

Joanne Rose is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Hantz Financial Services since 2017, preceded by a one-year tenure at AXA Advisors, LLC. 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 delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party money managers and Direct Indexing, while integrating advisory, broker-dealer, mortgage, and insurance services.

David Snider is a Series 66-licensed financial advisor with Fifith Third Securities, Inc. in Midland, Michigan, bringing 14 years of industry experience. His career includes prior roles at Merrill and Wells Fargo Clearing before joining Fifth Third Securities in 2017. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutions through investment advisory and brokerage services. The firm offers access to multiple managed account programs via its Passageway platform, combining third-party portfolio managers with advisor-directed strategies.

Jimmey Sequin II is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 designations with 26 years of industry experience. He has been with Hantz Financial Services since 2000 and previously worked at Northwood University for 21 years. Hantz Financial Services serves a diverse client base, including high-net-worth individuals, pension plans, charitable organizations, and business owners, offering financial planning, portfolio and wealth management primarily through ETF-based model portfolios and third-party strategies. The firm’s combination of advisory, broker-dealer, mortgage, and insurance services, along with its use of advanced technology platforms and multiple partnerships, distinguishes it within the industry.

Ty Chambers is a financial advisor at Benjamin F. Edwards & Company, Inc. with two years of industry experience. He holds a Series 66 designation and has prior experience at NYLIFE Securities LLC and New York Life Insurance Company. Before entering the financial industry, he worked eight years in construction. 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 services including wrap-fee advisory programs, financial planning, retirement plan consulting, and investment management consulting, utilizing proprietary strategies and third-party model portfolios.

Andrew Boerma is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Ameriprise in Midland, MI. His prior roles include positions at The Huntington National Bank, Huntington Investment Company, SYM Financial Advisors, and Benjamin F. Edwards. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing, tax-aware withdrawal strategies and income planning recommendations.