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.

Kenneth White III is a CFP® and Series 65 licensed advisor with 13 years of industry experience. He has worked at Mariner Wealth Advisors since 2022 and previously spent 11 years with Emerson Wealth, LLC. Outside of his advisory role, Mr. White is independently licensed to sell insurance through various agencies. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, coordinated tax services, and Core Family Office solutions, implementing customized portfolios supported by in-house research and third-party managers.

Amy Lavoie is a CFP® and ChFC® with 21 years of industry experience. She has been with Hantz Financial Services, Inc. in Ann Arbor, MI since 2004. Hantz Financial Services serves a diverse client base that includes individual investors, charitable organizations, corporate clients, and retirement-plan sponsors. The firm employs a model-driven ETF investment approach combined with separately managed accounts and unified managed account solutions, supported by affiliated entities including a state-chartered trust bank and in-house tax and business consulting services.

Ian Gappy is a CFP® and holds a Series 66 license with five years of industry experience. He is currently with Hantz Financial Services, Inc., where he has worked since 2018. His prior experience includes roles at Advanced Wealth Strategies and College Fresh Inc. Hantz Financial Services, Inc. serves individual investors, corporate clients, and retirement plan sponsors through a multi-advisor platform managing approximately $10 billion in client assets. The firm emphasizes diversified, ETF-centered model portfolios with asset allocation and periodic rebalancing, and it offers a range of services including financial planning, portfolio management, and mortgage brokerage through affiliated agencies.

Ryan Sharpe is a financial advisor with Hantz Financial Services, Inc. holding a Series 66 designation. He has no prior industry experience before joining Hantz Financial Services, where he has worked since 2025. Outside of his advisory role, he is involved with Sharpe Engineering, a business he has operated since 2022. Hantz Financial Services, Inc. is an enterprise investment adviser and broker-dealer serving individual investors, corporate clients, and retirement plan sponsors with about $10 billion in assets under management. The firm utilizes diversified, ETF-centered model portfolios and offers a range of services including financial planning, portfolio management, retirement consulting, and access to third-party managers, distinguishing itself through its broad range of affiliated financial services and technology partnerships.

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. He holds a Series 66 designation and has one year of industry experience. Prior to his current role, he worked in the restaurant industry, including positions at Kona Grill and Rocket Mortgage. Outside of advising, he works as a bartender on weekends at Kona Grill in Troy, Michigan. Hantz Financial Services serves a broad 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 expanded implementation capabilities through affiliated banking, tax, and consulting services.

Eric Manczyk is a financial advisor at Hantz Financial Services, Inc. with three years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Cardinal Financial and United Wholesale Mortgage prior to joining Hantz Financial Services. Hantz Financial Services is an enterprise investment adviser and broker-dealer serving individual investors, corporate clients, and retirement plan sponsors through a multi-advisor platform managing approximately $10 billion in assets. The firm emphasizes diversified, ETF-centered model portfolios and offers a range of services including financial planning, portfolio management, and retirement plan consulting.

Frank Stewart is a financial advisor with The Huntington Investment Company, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at The Huntington Investment Company and its related entities since 1992, including a current affiliation with Ameriprise Financial Services, LLC. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other business entities with advisory and brokerage services. The firm offers multiple wrap-fee programs using an open-architecture model that combines third-party sub-managers with proprietary Private Bank models and provides a range of portfolio management and execution services.

Donald Jeffery Jr. is a CFA® charterholder with 16 years of industry experience. He is currently with Mariner Wealth Advisors and has worked there since 2022. Prior to that, he spent eight years at Heber Fuger Wendin, Inc., where he had a long tenure spanning from 1989 to 2022. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers a range of services from investment management and financial planning to tax integration and coordinated family office solutions, utilizing a combination of in-house research and third-party managers across various asset classes.

Thomas Rafferty is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Citizens Securities, Inc. and has prior experience at Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services, LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, including a digital advisory program managed with SigFig, as well as brokerage and insurance services.

Melissa James is a financial advisor with Hantz Financial Services, Inc. in Canton, MI, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She has been with Hantz Financial since 2004. Hantz Financial Services serves a diverse client base including individual investors, charitable organizations, corporate and business clients, and retirement plan sponsors. The firm employs a model-driven ETF investment approach supplemented by separately managed accounts and unified managed account solutions, and it offers a range of financial planning, portfolio management, and fiduciary services.

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 previously worked at Kovitz Investment Group Partners, Telemus Capital LLC, Telemus Investment Management, and Beacon Asset Management. Focus Partners Wealth serves individuals, high-net-worth families, family offices, corporate, and institutional clients, offering a variety of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Peter Kumar is a financial advisor at VOYA Financial Advisors, Inc. with 23 years of industry experience. He holds the ChFC® and Series 66 designations and has been with VOYA Financial Advisors since 2014. Kumar is also an independent insurance agent offering fixed annuities, fixed indexed annuities, and fixed life insurance. VOYA Financial Advisors, Inc. serves a diverse client base including individual and institutional clients such as retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and plan-sponsor consulting through various program structures, including wrap programs and third-party money manager access.

Jacqueline Kallis is a financial advisor at Hantz Financial Services, Inc. She holds a Series 66 designation and has one year of industry experience. Prior to joining Hantz Financial Services, she worked at Francesca's and Albion College. Hantz Financial Services, Inc. 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 using diversified, ETF-centered model portfolios and offers financial planning, wealth management, retirement consulting, and affiliated mortgage and insurance services.

Matthew Brand is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America, Inc., FSC Securities Corp, and LPL Financial. Outside of his advisory work, Brand coaches varsity tennis at Bloomfield Hills High School and provides tennis instruction at The Sports Club of West Bloomfield. He is also the CEO and owner of multiple wealth management and retirement planning businesses serving individuals and corporate clients. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension and profit-sharing plans, corporations, trusts, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple advisory program models with custody primarily through Schwab and Fidelity.

Patrick Drouillard is a CFP® and ChFC® with 32 years of industry experience. He has been with Hantz Financial Services, Inc. in Southfield, MI since 1999. 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 broad range of financial planning, portfolio management, and fiduciary services supported by affiliated banking, tax, and consulting capabilities.

Jay Birchmeier is a financial advisor at Hantz Financial Services, Inc. with 11 years of industry experience. He holds the Series 65 and Series 63 credentials and has been with Hantz Financial Services since 2014. Hantz Financial Services, Inc. is an enterprise investment adviser and broker-dealer managing approximately $10 billion in 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.

Kelly Russo is a financial advisor at Hantz Financial Services, Inc. with nine years of industry experience. She holds the Series 66 designation and has worked at Hantz Financial Services since 2020, following positions at Credit Union One and Hantz Bank. 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 alongside separately managed accounts and unified managed account solutions, with expanded implementation capabilities supported by affiliated entities in trust, tax, business consulting, insurance, and mortgage origination.