Patricia Khoe is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding the CFP® and ChFC® designations with 16 years of industry experience. She has been with Hantz Financial Services since 2013. 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 and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and Direct Indexing, and combines advisory, broker-dealer, mortgage, and insurance services within a unique enterprise structure.

Andrea Martin is a financial advisor with PNC Wealth Management in Hartland, MI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked at PNC Investments since 2013 and had a prior role at Natcity Investments, Inc. from 2008 to 2009. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithm-driven portfolio strategies with mutual funds and ETFs, primarily serving employees through an online platform.

Ethan Jaworski is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds the Series 65 designation and previously worked at Edward Jones. Outside of his advisory role, he is involved in client service administration and insurance sales through Jones Retirement Advisors. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individual households, corporations, trusts, and ERISA plan sponsors. The firm manages approximately $49.8 billion through a high client-to-advisor ratio using discretionary model portfolios and a range of investment strategies.

Austin Tapley is a CFP® and ChFC® with three years of industry experience, currently advising clients at Hantz Financial Services, Inc. in Ann Arbor, MI. His background includes roles outside finance, notably running a snow services and landscaping business and working in education from 2013 to 2023. Hantz Financial Services serves a diverse client base including individuals, high-net-worth households, pension plans, and business owners. The firm employs ETF-based model portfolios supplemented by third-party managers and uses advanced technology platforms for asset management and tax optimization, combining advisory and broker-dealer functions along with mortgage and insurance product distribution.

Jake Wohlfert is a financial advisor at Hantz Financial Services, Inc. based in Ann Arbor, MI. He holds a Series 66 designation and has one year of industry experience, having joined Hantz Financial Services in 2025. Prior to his advisory role, he held various positions including at Tropical Smoothie Cafe and Target, and has been involved with academic institutions such as the University of Michigan - Flint and Macomb Community College. Hantz Financial Services serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, and business owners. The firm offers financial planning and wealth management through ETF-based model portfolios and third-party managers, combining advisory, brokerage, mortgage, and insurance services within a distinctive enterprise structure.

Paul Petroff is an advisor at Fifth Third Securities, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fifth Third Securities since 2007. His prior experience includes roles at Chase Investment Services Corp. and Banc One Securities Corporation. Fifth Third Securities serves a diverse client base including individual, high-net-worth, and institutional clients through investment advisory and brokerage services. The firm offers a variety of program types via the Passageway Managed Account Platform, employing multiple portfolio managers and strategies such as direct indexing and tax-loss harvesting.

Rachel Nichols is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, holding Series 63 and Series 65 credentials with 20 years of industry experience, all at Hantz since 2006. Hantz Financial Services serves a diverse clientele including individuals, high-net-worth households, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm’s investment approach features ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and Direct Indexing, while combining advisory, brokerage, mortgage, and insurance services within its enterprise structure.

Jennifer Ralston is a financial advisor at EP Wealth Advisors with the ChFC® designation and five years of industry experience. She has worked primarily with Executive Wealth Management, LLC, before joining EP Wealth Advisors. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation, utilizing customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Nathan O'Connell is a Series 66 licensed financial advisor with PlanMember Securities Corporation and Williams & Co dba Williams and Company Financial Services. He has one year of industry experience, including prior roles at Equitable Advisors LLC and self-employment as a day trader. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework to manage risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Deanna Mouat is a financial advisor at Hantz Financial Services, Inc. with five years of industry experience. She holds the ChFC® designation and Series 66 license. Her previous roles include positions at Kaplan College, Foresight Capital Management, Baker College, and March Plating Corp. Hantz Financial Services serves a broad mix of individual clients, 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 Direct Indexing, and integrates various technology partnerships to support its services.

Sean Latham is a financial advisor with Hantz Financial Services, Inc. He holds a Series 66 designation and has been with the firm since 2025. Prior to joining Hantz, he held positions at Rocket Mortgage and Ann Arbor State Bank and has academic experience from Grand Valley State University. Hantz Financial Services, Inc. provides financial planning, portfolio and wealth management, retirement plan consulting, and brokerage services to a diverse client base, including high-net-worth individuals, pension plans, charitable organizations, and business owners. The firm employs ETF-based model portfolios alongside third-party managers and utilizes technology-driven asset allocation, rebalancing, and tax-loss harvesting strategies.

David Nichols is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI. He holds the CFP® and ChFC® designations and has 22 years of industry experience, all with Hantz Financial since 2004. 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 delivers investment advice primarily through ETF-based model portfolios combined with third-party money managers and employs an asset-allocation framework supported by technology platforms for portfolio management and tax-loss harvesting.

Joshua Ginepro is a financial advisor with Hantz Financial Services, Inc. in Ann Arbor, MI, holding a Series 66 designation and four years of industry experience. His prior work includes self-employment and roles at St. Thomas Aquinas and Darden Restaurants. Hantz Financial Services, Inc. serves individual clients, pension plans, charitable and corporate clients, and business owners, offering financial planning and wealth management primarily through ETF-based model portfolios supplemented by third-party money managers. The firm combines advisory, broker-dealer, mortgage, and insurance services and participates in private fund management, supported by multiple technology and partner relationships.

Megan Pafford is a financial advisor at Hantz Financial Services, Inc. in Ann Arbor, MI, with 20 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Hantz Financial Services since 2006. Hantz Financial Services serves a diverse client base including individual investors, pension and profit-sharing plans, charitable and corporate clients, and business owners. The firm emphasizes ETF-based model portfolios across multiple risk levels, supplemented by third-party managers and advanced portfolio management technologies.

Daniel Flannery is a financial advisor at Hantz Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at the University of Michigan and Premier Pet Supply. 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 and wealth management primarily through ETF-based model portfolios, supplemented by third-party managers and innovative investment platforms, combining advisory, brokerage, mortgage, and insurance services under one enterprise.

Chad Marriott is a CFP® professional with seven years of experience in financial advisory roles. He is currently affiliated with Carson Wealth and has previously worked at firms including Cetera Wealth Services and The Vanguard Group. Marriott also holds an insurance agent role focused on fixed insurance products. He is part of CWM, LLC, an SEC-registered investment adviser operating an enterprise platform with over 650 advisors managing approximately $50.6 billion. The firm provides discretionary asset management, financial planning, and retirement plan services, supported by a model portfolio approach and integration with major custodial and technology partners.

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.

Tyler Jones is a financial advisor at AE Wealth Management, LLC with eight years of industry experience. He holds the Series 66 designation and has worked at firms including Thrivent Financial and Endependence Financial. Outside of his advisory role, he facilitates access to estate planning document services for clients. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio management and operates a platform serving a large number of clients with standardized investment solutions.

Drake Chwalibog is a CFP® and holds a Series 66 license, with 12 years of experience in financial advising. He has been with Hantz Financial Services, Inc. since 2014. Hantz Financial Services, Inc. serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable and corporate entities, and business owners. The firm provides financial planning and wealth management through ETF-based model portfolios, third-party SMAs, and various advisory and brokerage services, combining multiple financial product offerings within an enterprise structure.

Bryan Merillat is a financial advisor with GWN Securities Inc. in Chelsea, MI, holding the ChFC® designation and Series 63 and 65 licenses, with 27 years of industry experience. He has been with GWN Securities since 2013. Outside of his advisory role, Merillat is a member of the Chelsea Rotary, participating in community service projects. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third-party manager selection. The firm employs a variety of portfolio management strategies, including market-timing and momentum-based approaches.