Frederick Gray is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Independent Financial Group since 2016. 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 is a large advisory and brokerage firm serving individuals, high-net-worth clients, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services, utilizing both in-house and third-party managed portfolios with tailored strategies aligned to clients’ risk profiles.

Bryce Lipovsky is a financial advisor at Hantz Financial Services, Inc. based in Midland, MI. He holds a Series 66 designation and has six years of industry experience. His work history includes roles at Northwood University, WillSub, DNR, and Northwestern Mutual before joining Hantz Financial Services in 2020. Hantz Financial Services, Inc. serves individual investors, corporate, and retirement plan sponsors through a multi-advisor platform managing approximately $10 billion in client assets. The firm focuses on diversified, ETF-centered model portfolios, asset allocation, and periodic rebalancing, while offering a range of financial planning, portfolio management, and consulting services.

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 licenses and has previously worked at Prudential Investment Management Services LLC and other Prudential-affiliated firms. Prior to his financial services career, he was involved with Claude's Sauces and Angry Owl. Benjamin F. Edwards & Company provides investment advice and related services to individual investors, retirement plans, trusts, estates, and corporate clients. The firm offers a combination of model-based and customized investment strategies, including mutual funds, ETFs, separately managed accounts, and unified managed accounts, with ongoing due diligence and portfolio monitoring.

Erin Lemke is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, with over 31 years of industry experience. She has been with Hantz Financial Services since 1999 and holds a Series 63 designation. Outside of her advisory role, she is involved in a home-based health supplement distribution business and participates as an advocate with Surve-Us, LLC, focusing on educating nonprofit organizations about merchant services. Hantz Financial Services serves a diverse client base including individuals, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and offers a range of financial planning, wealth management, and fiduciary services supported by affiliated tax, business consulting, and trust capabilities.

Chad Capp is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Hantz Financial Services since 2002. Hantz Financial Services serves a diverse client base, including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies and offers a range of advisory and implementation services, supported by affiliated entities such as a trust bank and in-house tax and consulting services.

Mirandy Myers is a financial advisor at Hantz Financial Services, Inc. She holds a Series 65 designation and has two years of industry experience. Her prior work includes roles at Mid Michigan Health, Cuptured, and Pure Laundry LLC. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer managing approximately $10 billion in client assets. The firm serves individual investors, corporate and retirement plan sponsors with diversified, ETF-centered model portfolios, wealth management, and retirement consulting through a multi-advisor platform.

Cameron Formsma is a financial advisor at Hantz Financial Services, Inc. in Midland, Michigan, holding a Series 66 credential with one year of industry experience. Prior to joining Hantz Financial Services, he held various roles including positions at Sam's Club and Saginaw Valley State. Hantz Financial Services serves individual investors, charitable organizations, corporate clients, and retirement plan sponsors, offering services such as financial planning, portfolio and wealth management, and retirement-plan advisory. The firm employs model-driven ETF strategies and provides a range of implementation capabilities, including access to private funds and technology-assisted client data analysis.

Matthew Bishop is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Benjamin F. Edwards & Company, Inc. since 2013. He is a board member of CBM Services, Inc., a non-investment related organization based in Midland, Michigan. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and nonprofit organizations, offering a range of advisory programs and investment strategies that include both firm-developed and third-party models with periodic strategic oversight.

Gage Gransden is a Series 66 credentialed financial advisor with two years of industry experience, currently with Hantz Financial Services, Inc. in Midland, MI. His prior work includes roles at JJ Kosher Store, Campus Den, and several educational institutions. Hantz Financial Services is an enterprise investment adviser and broker‑dealer managing approximately $10 billion in client assets. The firm serves individual investors, corporate clients, and retirement plan sponsors through a multi-advisor platform, offering diversified ETF-centered portfolios, financial planning, and wealth management services.

Ryan Micho is a financial advisor at Hantz Financial Services, Inc. in Midland, MI, holding a Series 65 designation with 10 years of industry experience. He has been with Hantz Financial Services since 2012. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, and offers a range of financial planning, portfolio management, and fiduciary services supported by affiliated banking, tax, and insurance capabilities.

Connor Smith is a financial advisor at Hantz Financial Services, Inc. with two years of industry experience. He holds a Series 66 designation and has prior work experience in the food service and landscaping industries. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs a model-driven investment approach with ETF strategies, separately managed accounts, and unified managed accounts, supported by affiliated banking, tax, and consulting services.

Ralph Brozzo is a CFP® professional with 30 years of industry experience, currently affiliated with Benjamin F. Edwards & Company, Inc. since 2013. He holds Series 63 and Series 66 licenses and is based in Midland, MI. Outside of his advisory role, he owns a majority stake in DeBroz Entertainment Co. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, and nonprofit organizations, offering a range of advisory programs and investment management solutions that combine firm-developed and third-party strategies.

Frederick Lambert is a Series 65-licensed financial advisor with Hantz Financial Services, Inc. in Bay City, MI, where he has worked since 2014. He has 10 years of industry experience. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs a model-driven ETF investment approach supplemented by separately managed accounts, unified managed account solutions, and access to direct indexing and alternative investments, supported by affiliated entities such as a state-chartered trust bank and in-house tax and business consulting services.

Jacob Chapman is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation. Prior to joining Hantz Financial Services, Chapman worked at Midland Country Club and Michigan State University. Hantz Financial Services serves individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed accounts and unified managed account solutions, and offers a range of financial planning, wealth management, and retirement-plan advisory services.

Joseph Swope is a financial advisor with Hantz Financial Services, Inc., holding a Series 66 designation and three years of industry experience. He has worked at Hantz Financial Services since 2023 and previously oversaw security operations for Cardinal Corners LLC, a non-investment-related apartment complex. Hantz Financial Services, Inc. is an enterprise investment adviser and registered broker-dealer serving individual investors, corporate clients, and retirement plan sponsors through a multi-advisor platform managing approximately $10 billion in client assets. The firm focuses on diversified, ETF-centered model portfolios, asset allocation, and tax-aware implementations, offering a range of financial planning and wealth management services alongside mortgage brokerage and insurance through affiliated agencies.

Gavin Patterson is a Certified Financial Planner® with three years of industry experience, currently serving as an advisor at Hantz Financial Services, Inc. He has worked at Hantz Financial Services since 2022 and previously held roles at Saginaw Valley State University, Subway, M.J. Electric, and New Lothrop High School. Hantz Financial Services, Inc. is an enterprise investment advisor and registered broker‑dealer managing approximately $10 billion in client assets. The firm serves individual investors, corporate and retirement plan sponsors through a multi-advisor platform offering diversified ETF-centered model portfolios, wealth management, retirement plan consulting, and affiliated mortgage and insurance services.

Joanne Rose is a financial advisor at Hantz Financial Services, Inc. with 10 years of industry experience. She has held positions at Hantz Financial Services since 2017 and previously worked at AXA Advisors, LLC from 2016 to 2017. Rose holds Series 63 and Series 65 licenses. Hantz Financial Services is an enterprise investment adviser and registered broker-dealer serving individual investors, corporate clients, and retirement plan sponsors with approximately $10 billion in assets under management. The firm emphasizes diversified, ETF-focused model portfolios and offers a range of financial planning, wealth management, and consulting services through a multi-advisor platform.

David Snider is a financial advisor with Fifth Third Securities, Inc. in Midland, MI, holding a Series 66 designation and 14 years of industry experience. His prior work includes positions at Wells Fargo Clearing and Wells Fargo Advisors. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with integrated relationships across the bank, platform sponsor, and clearing firm.

Jimmey Sequin II is a financial advisor with Hantz Financial Services, Inc. in Midland, MI, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Hantz Financial Services since 2000 and also has a 21-year work history at Northwood University. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate clients, and retirement plan sponsors. The firm employs model-driven ETF strategies alongside separately managed and unified managed accounts and offers expanded implementation capabilities through affiliated entities such as a trust bank and in-house consulting services.

Ty Chambers is a financial advisor with Benjamin F. Edwards & Company, Inc., holding a Series 66 designation and one year of industry experience. Prior to joining Benjamin F. Edwards, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and charitable organizations, offering a range of advisory programs and investment strategies that include both firm-developed and third-party models.