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.

Andrew Matuzak is a financial advisor at Cetera Planning Partners with five years of industry experience. He holds the PFS™ designation and Series 63 license. Prior to joining Cetera Planning Partners in 2026, he worked with Avantax Planning Partners and Avantax Investment Services. Matuzak serves as a board member for the SVSU College of Business & Management Advisory Board and acts as treasurer for the Rotary International Club of Saginaw Valley and the Thomas Township Business Association. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm’s approach includes diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

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.

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.

Michael Stelter is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and over 40 years of industry experience. He has been with Hornor, Townsend & Kent since 1987 and has a longstanding affiliation with Penn Mutual Life Insurance since 1984. Outside of his advisory role, Stelter owns and operates a life insurance brokerage business. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services to provide custody, execution, brokerage, and investment advice through a platform that includes third-party asset managers and both discretionary and non-discretionary account options.

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®-certified financial advisor with 24 years of industry experience, currently with Benjamin F. Edwards & Company, Inc. since 2013. He previously worked at Wells Fargo Clearing from 2010 to 2013. Bishop serves as a board member of CBM Services, Inc., a non-investment-related organization based in Midland, Michigan. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser with over 500 advisors, serving individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides a range of services including wrap-fee advisory programs, financial planning, investment management, and M&A advisory, employing a combination of proprietary strategies and third-party models supported by in-house equity and fixed-income research.

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.

Peter Bender is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Cetera Planning Partners since 2026. His prior experience includes roles at Avantax Investment Services and Yeo & Yeo Wealth Management. Bender is active in nonprofit and community organizations, holding leadership and trustee roles with entities such as St. Lorenz Lutheran Church Foundation, Camp Rotary Foundation, and Concordia Center for the Family. Cetera Planning Partners serves individual and high-net-worth clients, focusing particularly on pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment approach emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by ancillary services including tax planning, bookkeeping, and estate planning through a third-party provider.

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.