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.

Jeffrey Sieffert is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 13 years of industry experience. He has worked at Bankers Life and its affiliated entities since 1998, including a decade at Bankers Life Securities, Inc. In addition to his advisory role, he serves as a Unit Field Trainer, recruiting and training insurance agents. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm employs a combination of fundamental, technical, and cyclical analysis to create customized portfolios aligned with clients’ goals and risk tolerances.

Caleb Christe is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds the Series 66 designation. Prior to joining Hantz, Caleb worked in roles at Nexteers Automotive and various educational institutions. Hantz Financial Services 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 managers and technology-driven solutions.

Kelly Neil is a financial advisor with Hantz Financial Services, Inc. in Saginaw, MI, holding a Series 66 designation and 19 years of industry experience. He has worked with Hantz Financial Services since 2008 and was previously associated with Wells Fargo Clearing in 2007. Hantz Financial Services serves a diverse client base, including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm provides financial planning, portfolio and wealth management through ETF-based model portfolios and third-party SMA strategies, alongside retirement plan consulting and brokerage, mortgage, and insurance services via affiliated entities.

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.

Linda Collier is a financial advisor with PNC Wealth Management in Saginaw, MI, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Citizens Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital, discretionary model account available via an invitation-only employee pilot. The firm utilizes algorithm-driven investment strategies with portfolio implementation and oversight delegated to third parties.

Andrew Schiefer is a financial advisor at Hantz Financial Services, Inc. in Bay City, MI, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been with Hantz Financial Services since 2001. Hantz Financial Services serves a diverse client base including individuals, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm focuses on ETF-based model portfolios, utilizing a combination of proprietary risk-based strategies and third-party managers, while integrating technology platforms for portfolio management and tax optimization.

Raymond Pape is a financial advisor with Commonwealth Financial Network and Shoreline Wealth Partners, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior work includes roles at Cetera and Independent Bank. He is a co-owner of Shoreline Wealth Partners, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, technology, investment management, compliance, and practice management.

Daniel Alarie is a financial advisor at Hantz Financial Services, Inc. in Bay City, MI, holding a Series 65 designation with eight years at Hantz and two years of industry experience. Prior to his advisory career, he operated G's Pizzeria & Deli for 13 years. 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 wealth management through ETF-based model portfolios supplemented by third-party managers, using an asset-allocation framework and technology-driven trade execution and tax-loss harvesting.

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.

Patrick Nelson is a CFP® professional at Hantz Financial Services, Inc. in Bay City, MI, with 19 years of industry experience, all with his current firm. Hantz Financial Services serves a diverse range of clients, including high-net-worth individuals, pension and profit-sharing plans, charities, corporations, and business owners. The firm offers financial planning and wealth management primarily through ETF-based model portfolios supplemented by third-party managers and technology-driven solutions.

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.