I believe financial planning should be practical, understandable, and tailored to each client's unique situation. Whether someone is preparing for retirement, growing a business, managing a company retirement plan, or navigating a major life transition, my goal is to simplify complex decisions and provide guidance they can feel confident acting on. As the founder of DeMull Financial, I take a comprehensive approach to planning that goes beyond investments alone. Financial decisions rarely happen in a vacuum, so I work with clients to coordinate the many moving pieces of their financial lives, including retirement, taxes, cash flow, risk management, and legacy planning. I am committed to building long-term relationships based on trust, transparency, and accountability. The most rewarding part of my work is helping clients gain clarity, reduce financial stress, and feel confident about their future. Outside of the office, I enjoy golfing, coaching youth athletics, and spending time with my family.

Shawn Stressman is a financial advisor at Convert Financial Services LLC with four years of industry experience. He holds a Series 65 designation and has a background in accounting and tax preparation, currently serving as manager of CHPM, PC, an independent retail pharmacy group, and president of Stressman CPA PLLC, which provides tax preparation and bookkeeping services. His prior work includes roles at several CPA firms dating back to 2014. Convert Financial Services LLC is a fee-only, state-registered investment adviser serving individuals, including high-net-worth clients, and small businesses. The firm focuses on portfolio management, retirement and financial planning, and consulting, utilizing index-based investment strategies combined with fundamental, technical, and quantitative analysis, primarily on a non-discretionary basis.

Chad Schafer is the founder of Schafer Investment Group, Inc. and holds a Series 65 designation with one year of experience in the financial advisory industry. He also operates a CPA firm, Chad M Schafer, CPA, PC, where he provides tax and accounting services. Additionally, Schafer serves as treasurer and board member of Isabella Community Credit Union. Schafer Investment Group is an independent advisory firm offering investment management and financial planning to individuals, high-net-worth clients, and businesses. The firm builds customized portfolios using low-cost, diversified mutual funds and ETFs, incorporating fundamental, technical, and cyclical research, while providing both discretionary and non-discretionary services.

Michael Harter is a CFP® professional with 15 years of experience, currently serving at RFM Financial Solutions, LLC since 1999. He also has a long tenure at Robert F. Murray & Company, CPAs, where he has worked since 1991. RFM Financial Solutions provides portfolio management, pension consulting, and financial planning services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm emphasizes client-specific investment policies, primarily using no-load mutual funds and ETFs, and offers both discretionary and non-discretionary management options.

Justin Cook is a CFP® professional with five years of industry experience, currently serving as an advisor at RFM Financial Solutions, LLC since 2020. Prior to this, he spent six years at Ross Accounting. RFM Financial Solutions provides portfolio management, pension consulting, and financial planning services to individual investors, including high-net-worth clients, as well as pension plan sponsors, corporations, and charitable organizations. The firm emphasizes client-specific investment policies implemented primarily through no-load mutual funds and ETFs, with regular account reviews and options for discretionary or non-discretionary management.

Mark Zitzelsberger is a financial advisor with LPL Financial based in Mount Pleasant, MI. He holds the ChFC® designation and has 42 years of industry experience. He has been associated with LPL Financial and its predecessor firms since 1999 and has worked at Total Investment Planners, Inc. since 2000. He serves on the Michigan Class D Cross Country Coaches Association board. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team and a large network of investment adviser representatives.

Bryce Roebke is a financial advisor at Rise Wealth Advisors, Inc. with four years of industry experience. He holds a Series 66 designation and previously worked at Total Investment Planners, LPL Financial, The Stow Company, and Ernst & Young LLP. Rise Wealth Advisors, Inc. is an independent investment advisory firm that provides financial planning and consulting services. The firm operates with a team of four advisors.

Teresa Zitzelsberger is a CFP®-certified financial advisor with 34 years of industry experience. She is affiliated with Rise Wealth Advisors, Inc. in Mt Pleasant, MI, and has worked with Total Investment Planners, Inc. and LPL Financial since 1999. Outside of her advisory work, she is a co-owner of Third Nature Brewing, a family-owned brewpub in Rockford, MI. Rise Wealth Advisors provides comprehensive financial planning services to individuals, families, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers both targeted advice and full financial plans, relying on third-party research and delegating investment execution and ongoing management to separate broker-dealer relationships.

Chad Zitzelsberger is a financial advisor with LPL Financial in Grand Rapids, MI, holding Series 63 and Series 65 credentials and with 18 years of industry experience. He has been associated with Total Investment Planners, Inc. since 2008 and LPL Financial since 2007. Outside of his advisory work, he is a co-owner of a family-run brewery and restaurant. LPL Financial provides advisory and brokerage services to a diverse client base including individuals, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings such as insurance and credit services.

Pamela Fockler is a financial advisor with Fairway Investment Group, LLC and holds a Series 66 designation. She has four years of industry experience and has been affiliated with MEA Financial Services and Paradigm Equities, Inc. since 2021. In addition to her advisory work, she serves as a substitute teacher for Mount Pleasant Public Schools. Fairway Investment Group primarily serves members of the Michigan Education Association and their families, along with individual clients, trusts, estates, and select businesses. The firm offers fee-based investment advisory and portfolio management services through LPL Financial-sponsored programs, focusing on non-discretionary management and tailored client recommendations.

Shannon Nagy is a financial advisor with International Assets Investment Management, LLC and holds a Series 66 designation. He has 11 years of industry experience, including roles at Securities America Advisors and Securities America Inc. since 2014. In addition to his advisory work, Nagy is a salaried resident producer and agent for Nichols Financial Group Inc., focusing on fixed annuity and life insurance sales. International Assets Investment Management provides investment advisory services to individuals, high-net-worth clients, retirement plans, corporations, and other business entities. The firm’s advisors use a customized, long-term approach to portfolio construction, employing mutual funds, ETFs, equities, fixed income, and may incorporate options hedges or third-party money managers to align with client objectives and risk tolerance.

Kevin Nichols is a financial advisor with International Assets Investment Management, LLC and holds Series 63 and Series 66 licenses. He has 37 years of industry experience, including over 30 years with Securities America Advisors, Inc. and Securities America, Inc., as well as four decades running Nichols Financial Group. Outside of his advisory role, he owns and operates Nichols Financial Group, specializing in fixed annuities and life insurance sales. International Assets Investment Management provides investment advisory services to individuals, high-net-worth clients, retirement plans, corporations, and other business entities through a national network of independent investment adviser representatives. The firm offers customized, long-term portfolio construction and access to third-party money managers, emphasizing a diverse approach including mutual funds, ETFs, equities, and fixed income.

Paul Pollatz is a financial advisor at The Strategic Financial Alliance, Inc. in Mount Pleasant, MI, holding a Series 66 designation with 22 years of industry experience. He has been with The Strategic Financial Alliance since 2015. Outside of his advisory role, he serves as a volunteer director for Ann Arbor City On A Hill, a charitable organization focused on preserving the mission of Concordia University-Ann Arbor. The Strategic Financial Alliance provides advisory services to individuals, retirement plans, trusts, and other entities, offering portfolio management, financial planning, and consulting. The firm employs both in-house portfolio management and third-party manager platforms, serving a broad client base including high-net-worth individuals.

Jeremy Whitmore is a financial advisor with Belpointe Asset Management LLC in Mount Pleasant, MI, holding a Series 65 credential and seven years of industry experience. He has worked at Belpointe Asset Management since 2019 and has prior experience at Central Michigan University and Lowe's Home Improvement. Outside of his advisory role, Whitmore owns and operates Salty Chief Farm, a business involved in cattle and agricultural sales. Belpointe Asset Management is a multi-team registered investment adviser managing over $7.5 billion for several thousand clients. The firm serves individuals, corporations, trusts, and other advisers through customized discretionary investment management, financial planning, and retirement-plan consulting.

Maxwell Spiess is a financial advisor at Hantz Financial Services, Inc. with a Series 66 designation and one year of industry experience. His prior work includes roles at Mallory Building, Family Farm and Home, Central Michigan University, and Ovid-Elise High School. 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 and offers a range of financial planning, wealth management, and retirement-plan advisory services, supported by affiliated financial and consulting businesses.

William Sienko is a financial advisor at Hantz Financial Services, Inc. based in Mt. Pleasant, MI. He holds a Series 65 designation and has been with Hantz Financial Services since 2020. His prior work experience includes roles at Northwood University, McDonald's, Apple Mountain, and several other organizations. 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 supplemented by separately managed accounts and unified managed account solutions, and offers a range of financial planning and advisory services alongside affiliated banking, tax, insurance, and mortgage businesses.

Brian Atwood is a financial advisor with Independent Advisor Alliance, LLC, holding the ChFC® designation and Series 66 license. He has 11 years of industry experience, including prior roles at LPL Financial LLC and Independent Financial Partners. Outside of advising, he has business interests involving residential property investing through co-ownership in real estate ventures. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, providing services such as asset management, financial planning, and retirement plan consulting. The firm employs a network model of advisory representatives who utilize discretionary and non-discretionary portfolio management with the support of various analytical techniques and technology platforms.

Brock Williams is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked with affiliated firms in the Bankers Life family since 2013. Outside of advisory services, Williams is also an insurance agent specializing in life, health, and annuity products. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a blend of fundamental and technical analysis in managing client portfolios.

Sarah Duthie is a Series 66-licensed financial advisor at Bankers Life Advisory Services, Inc. with one year of industry experience. Before joining Bankers Life Advisory, she worked at Isabella Community Credit Union and Christian Home Services. Outside of her advisory role, she manages a hobby dog breeding kennel and operates a small-scale Mary Kay beauty consulting business. 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 consulting. The firm employs fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients’ goals and risk tolerances.

Wesley Kenny is a CFP®-certified financial advisor with 12 years of industry experience, currently serving at Hantz Financial Services, Inc. since 2014. He holds the Series 66 designation and is based in Mt. Pleasant, Michigan. Outside of his advisory role, he volunteers as the Secretary and a Council Member at St. Paul’s Evangelical Lutheran Church in Remus, Michigan. 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 through diversified, ETF-centered model portfolios and offers a broad range of financial planning, wealth management, and consulting services.