Dean Janceski is a financial advisor with Key Investment Services LLC in Southfield, MI, holding Series 63 and Series 66 licenses and 10 years of industry experience. His career includes roles at KeyBank NA, Bank of America, Merrill, and Wells Fargo Clearing Services. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm utilizes a multi-provider model combining platform services from Envestnet and portfolio strategies from the Key Wealth Chief Investment Office and third-party managers.

Sal Vassallo is a financial advisor with TIAA-CREF in Ann Arbor, MI, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement plan relationships. The firm’s advisory approach separates one-time planning services from ongoing discretionary management and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Erica Khinchuk Scheinker is a financial advisor at Hantz Financial Services, Inc. with 15 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Hantz Financial Services since 2013, following two years at GPM Growth Investors, Inc. Hantz Financial Services serves a diverse client base including individuals, 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, combining advisory, brokerage, mortgage, and insurance services within a unique enterprise structure.

Douglas Smith is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked at Diversified Investors Securities Corp. since 2012. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm’s investment approach involves proprietary software and model portfolios provided by Morningstar Investment Management, focusing on asset allocation and retirement planning guidance across a large client base.

John Gray is a financial advisor at Valic Financial Advisors with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Valic Financial Advisors since 1999. In addition to his advisory role, he is an agent with Agia, involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Amy Lavoie is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 22 years of experience in the financial services industry. She has been with Hantz Financial Services, Inc. since 2004. Hantz Financial Services serves a diverse range of clients, including high-net-worth individuals, pension and profit-sharing plans, charitable and corporate entities, 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 combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Ian Gappy is a CFP® certificant with five years of industry experience, currently serving as a financial advisor at Hantz Financial Services, Inc. in Southfield, MI. His prior roles include positions at Advanced Wealth Strategies and College Fresh Inc. Hantz Financial Services, Inc. serves a diverse range of clients including high-net-worth individuals, pension plans, and business owners. The firm employs ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and unified managed accounts, and integrates technology such as Direct Indexing and AI-assisted client data aggregation in its investment process.

Ryan Sharpe is an advisor at Hantz Financial Services, Inc. in Southfield, MI, holding a Series 66 designation with less than one year of industry experience. His background includes roles in education at Oakland University and Oakland Community College, as well as involvement with Sharpe Engineering. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension plans, charities, corporations, and business owners. The firm employs ETF-based model portfolios complemented by third-party managers and utilizes an asset-allocation framework with automated tax-loss harvesting features, combining advisory, brokerage, mortgage, and insurance services under one structure.

Jermaine Taylor is a financial advisor with Valic Financial Advisors in Novi, MI, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Valic Financial Advisors since 2004 and also serves as an agent with Agia, focusing on non-securities insurance products since 2022. Valic Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and wrap programs through a large network of advisors and utilizes discretionary unified managed accounts with a technology-driven approach.

Steven Urli is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His career includes positions at Voya and Principal Life Insurance Co., where he worked prior to joining Principal Securities in 2025. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager solutions.

Michael Woods is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation. Outside of his advisory role, he works as a bartender on Saturdays at Kona Grill in Troy, Michigan. Hantz Financial Services serves a wide range of clients, including high-net-worth households, pension plans, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios and integrates technology-driven solutions like Direct Indexing and AI-assisted client data aggregation.

Eric Manczyk is a financial advisor with Hantz Financial Services, Inc. in Southfield, MI. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior work includes roles at Cardinal Financial, United Wholesale Mortgage, and Tarus Products Inc. Hantz Financial Services serves individual clients, including high-net-worth households, as well as pension plans, charitable and corporate clients, and business owners. The firm offers financial planning, portfolio and wealth management primarily through ETF-based model portfolios across multiple risk levels, supported by third-party money managers and advanced technology platforms.

Melissa James is a financial advisor at Hantz Financial Services, Inc. in Canton, MI, with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Hantz Financial since 2004. 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 delivers investment advice primarily through ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and advanced portfolio management technologies.

Stephen Royce Jr. is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at KeyBank, Key Investment Services LLC, Bank of America N.A., and Merrill. Citizens Securities serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program with ETF-based portfolios and a separate Managed Account program, operating as both a broker-dealer and insurance agency.

Brett Dulecki is a Series 65-licensed advisor at Hantz Financial Services, Inc. with one year of industry experience. His prior work includes roles at Leonardos Inc., Door Dash, Lawrence Tech University, and Grosse Ile Country Club. Hantz Financial Services serves a diverse client base including high-net-worth individuals, pension plans, charitable and corporate clients, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios enhanced by third-party managers and technology-driven tools such as automated tax-loss harvesting.

Charlene Reardon is a financial advisor at Focus Partners Wealth, LLC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Kovitz Investment Group Partners, Telemus Capital, and Beacon Asset Management. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a range of services including investment management, financial planning, tax and compliance support, and employee benefit retirement plan services. The firm employs a long-term investment approach using both active and passive strategies and provides customized portfolios based on clients’ risk tolerance, liquidity, and tax situations.

Jacqueline Kallis is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. She holds the Series 66 designation and has worked previously at Francesca's and Albion College. 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, supplemented by third-party managers and Direct Indexing, and integrates advisory, broker-dealer, mortgage, and insurance services within its enterprise structure.

Patrick Drouillard is a CFP® and ChFC® with 32 years of industry experience. He has worked at Hantz Financial Services, Inc. since 1999. The firm serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. Hantz Financial Services provides financial planning, portfolio and wealth management primarily through ETF-based model portfolios, and integrates advisory, broker-dealer, mortgage, and insurance services within its enterprise structure.

Kassem Atwi is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. He holds a Series 66 designation and has three years of industry experience. Prior to joining Hantz Financial Services, he worked at DoorDash and the University of Michigan. 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 across multiple risk levels, supplemented by third-party managers and technology-driven investment solutions.

Jay Birchmeier is a financial advisor with Hantz Financial Services, Inc. in Southfield, MI. He holds the Series 65 and Series 63 designations and has 11 years of industry experience, all with Hantz Financial Services since 2014. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm primarily uses ETF-based model portfolios across multiple risk levels, supplemented by third-party money managers and Direct Indexing, and combines advisory, broker-dealer, mortgage, and insurance activities within a single enterprise.