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 with 10 years of industry experience. He has worked at Hantz Financial Services, Inc. since 2014. Hantz Financial Services, Inc. serves a diverse client base including individuals, pension plans, charitable and corporate clients, and business owners. The firm provides financial planning and wealth management primarily through ETF-based model portfolios, supplemented by third-party money managers and unified managed accounts, and integrates technology-driven tools such as automated tax-loss harvesting and AI-assisted client data aggregation.

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 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 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.

William Bates is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials, and has 43 years of industry experience. His career includes long tenures at Royal Alliance Associates, BBCM Financial Services, and the Professional Affiliation Program, along with work as an independent insurance agent. Bates’s business activities include ongoing involvement in non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

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.

Noah Ferrio is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, and Northwestern Mutual Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with a focus on both discretionary and non-discretionary investment strategies.

Steven Ringgold is a financial advisor with Ameriprise in Midland, MI, holding the CFP® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including prior roles at The Huntington Investment Company, TCF National Bank, Cetera Investment Advisors LLC, and Hantz Financial Services, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning with written Recommendation Reports and ongoing advice addressing income sources, tax-aware withdrawal strategies, and Social Security options.

Benjamin Dollard is a financial advisor with Ameriprise in Midland, MI, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Humane Society of Midland County. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Brendan Flack is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has previously worked at LPL Enterprise, The Prudential Insurance Company of America, and Pruco Securities LLC. Prior to his financial services career, he was involved in education and other roles, including work with Oscoda Area Schools and the Superior Watershed Partnership. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies. Their programs combine in-depth investment research with algorithmic tools and provide ongoing advice through a centralized service team working alongside client advisors.

Hailey Pullano is a financial advisor with Ameriprise in Midland, MI, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at The Huntington Investment Company, Wells Fargo Clearing, and Wells Fargo Bank. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Janis Brown is a financial advisor with Edward Jones in Midland, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, she worked at Wells Fargo for 15 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Stephanie Siler is a financial advisor with Edward Jones, holding a Series 66 designation and two years of industry experience. She has been with Edward Jones for a total of 20 years, including her current role since 2026. Outside of her advisory work, she has worked part-time in retail jewelry sales at Sterling Jewelers in Midland, MI. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies and affiliated financial services supported by a large national network of advisors and branch offices.

Jason Holyszko is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Doak Stolz is a CERTIFIED FINANCIAL PLANNER™ professional with 39 years of industry experience. He is currently with Stifel Nicolaus & Co Inc and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stolz serves on the board of a community medical foundation in Michigan. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities. The firm provides brokerage and investment advisory services using a proprietary investment methodology developed by its Investment Strategy Group.