© 2016 by Sanford Financial Services

-Todd Sanford was named to Barron's list of “The Top 1,000 Advisors” in the country in 2010. The list, published February 22, ranked 1,000 advisors from all 50 states and the District of Columbia. Sanford ranked 11th overall in the state of Michigan. This list of distinguished advisors was produced by Barron's, after conducting extensive research, surveys and interviews and weighing factors such as advisors' assets under management, revenue generated, quality of service and regulatory records. Past performance is not indicative of future results. Individual experiences may vary. 
-Sanford Financial Services is an Independent Firm. 590 W. Centre Avenue, Portage, MI 49024.  269.488.6900
Securities offered through Raymond James Financial Services, Inc. Member FINRA (www.FINRA.org) / SIPC. (www.SIPC.org) Investment advisory services offered through Raymond James Financial Services Advisors, Inc and Sanford Advisory Services. Sanford Financial Services and Sanfond Advisory Services is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. https://brokercheck.finra.org/
-Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information ability. Subject to risk, may lose value.
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-Raymond James privacy policy can be found : http://www.raymondjames.com/privacy_security/privacy_notice.htm

We’re not big on fancy individual titles around here. Instead, we’ve built a team of individuals who each serve a critical role in the success of our organization.  In our high pace industry, maintaining team chemistry is paramount to providing excellence to our clients. Our vision in creating a multi-owner partnership is to offer deep expertise and long term continuity for the firm. When our clients entrust us with their financial resources, we think it is important for them to know that there is more than one voice and a seasoned management team in place who can move the firm forward for generations to come.  Our partnership is based on the similarities we each share in our core values of conservatism and personal relationships.

Financial Advisors

Todd Sanford, CFP®
CEO
Scott Williams, CFP®
Partner
Brent Kerstetter, MBA, CFP®
Partner
Nick Bond, MBA, CFP®
Registered Representative
Jane Brady-Ertz, CPFA
Registered Representative
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Registered Representatives

Tami Leffingwell
Registered Representative
Director of Client Services
Lori Bumgart, CFP®
Registered Representative
Dir. of Operations & Branch Manager
Liz Yunker
Registered Representative
Jacqueline Corstange, CPFA
Registered Representative
Brent Sanford
Registered Representative
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Professional Staff & Client Service Associates

Kelly Mutual
Client Service Associate
Kristen Cordell
Client Service Associate
Kelsey Holdridge
Client Service Associate
Mary Romanak
Client Service Associate
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Meet the staff

 

Todd Sanford is the CEO and president of Sanford Financial Services, a full-service financial planning and wealth management practice. The firm focuses on intergenerational financial and estate planning, retirement plans and money management. Sanford started the company in 2000 with one employee managing nearly $50 million in client assets. Today, he leads a team of 16 employees managing more than $800 million of client assets.

Prior to opening Sanford Financial Services, he worked for Investors Diversified Services/American Express Advisors and later became a partner and shareholder in Scott, Doerschler, Messner and Gauntlett, a well-known, highly regarded employee benefits and financial services company. He earned his certified financial planner designation in 1991 and has received multiple honors for his work in financial planning. Sanford has been honored on Barron's Top Advisor List on multiple occasions, was recognized by Forbes as Best-in-State Wealth Advisor for 2017, has received multiple recognitions from the Financial Times publication, and has been recognized as a Top 10 Financial Advisor at Raymond James for the past 13 years, out of more than 7,200 advisors. He has served on numerous internal strategic planning committees for Raymond James and has held positions on several nonprofit boards in Kalamazoo County, including treasurer of the Kalamazoo Valley Community College Foundation Board.

Sanford earned his bachelor’s degree in business administration from WMU’s Haworth College of Business and was honored with an Outstanding Alumni Award from the college’s Department of Finance and Commercial Law in 2011. He recently made a gift to the college to establish the Sanford Center for Financial Planning and Wellness, a center dedicated to providing a variety of services and impactful programs for members of the community.

Todd balances his full schedule between managing the firm, spending time with his family, and pursuing his passion for antique vehicles, WMU hockey, and the numerous non-profit organizations he works with around Kalamazoo. Check Todd's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Bachelor of Science, Finance – Western Michigan University

       -CERTIFIED FINANCIAL PLANNER™

       -Series 7, 24, 51, and 63

       -Michigan Life, Accident and Health Insurance

 

Scott is a Valparaiso University graduate and has been with SFS since its inception in 2000 working as a financial planner. He multi-tasks with the best of them as he manages the details of our clients' lives. He knows how important it is to understand all of the intricacies of each individual's circumstances. Creating tax strategies*, evaluating estate plans, reviewing pension and Social Security options along with creating an efficient investment portfolio are all part of his everyday work. Scott is a Portage native and has most of his family still living nearby. His spare time is devoted to his family.  He enjoys coaching his son's soccer teams and spending time Up North whenever he can get away.  Check Scott's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Bachelor of Science, Finance – Valparaiso University

       -CERTIFIED FINANCIAL PLANNER™

       -Series 7, 9, 10, and 63

       -Michigan Life, Accident and Health Insurance

*Raymond James does not provide tax advice

 

Brent enjoys getting into the weeds of finances with his clients to help people gain a better understanding of their financial picture. Brent has a knack for taking the complicated and making it easy to understand. In “plain English” Brent explains things in such a way that clients walk out feeling much more informed than when they walked in. He focuses on retirement planning with the families he works with and tailors retirement plan benefit packages for companies of all sizes in various industries. After growing up near Jackson, Brent moved to Kalamazoo to pursue his MBA at Western Michigan University while working concurrently as a commercial lender. He and his wife Adrianne enjoy spending time with their daughter Kelsey and son Luke. Brent is an avid outdoorsman – spending time with his family on Gun Lake during the summer, looking for a trophy buck in the fall, or hitting the ski slopes in the winter. Check Brent's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Bachelor of Business Administration, Finance – Eastern Michigan University

       -Master of Business Administration – Western Michigan University

       -CERTIFIED FINANCIAL PLANNER™

       -Series 7 and 63

       -Michigan Life, Accident and Health Insurance

 

Nick joined the Sanford team in 2011 after completing his MBA at Western Michigan University with a concentration in Finance. As our lead analyst, Nick enjoys the technical aspects of portfolio construction, economic research, and global financial markets. He works extensively with clients to help provide a “plain English” approach to financial planning and wellness. Nick has experience as an adjunct professor, having taught an Investment Principles course at Kalamazoo College, and greatly appreciates the need to help others understand the increasingly complex and dynamic matters related to risk management and financial goals. Nick grew up playing travel hockey in the Kalamazoo area and has a passion for lifelong learning. He and his wife Kim, a second-grade teacher in Vicksburg, live on the west side of Kalamazoo. They enjoy spending their free time getting outdoors for a long walk, round of golf, or getting together for dinner with their extended families that also live in the Kalamazoo/Portage area.  Check Nick's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Bachelor of Business Administration, Finance – Western Michigan University

       -Master of Business Administration, Finance – Western Michigan University

       -CERTIFIED FINANCIAL PLANNER™

       -Series 7 and 66

       -Michigan Life, Accident and Health Insurance

 

Jane is our most specialized employee. She has tremendous expertise with the technical components of employer retirement plans. She is a highly sought-after industry veteran who handles plan design, investment selection, employee education and ongoing monitoring of retirement plans. In addition, she is knowledgable on TIAA-CREF retirement plans. Jane lives in Portage with her husband Anthony and has two grown children, Emilia and Daniel. Our biggest fear is that she will come through on her threat of moving to Boise, Idaho to be closer to her granddaughter, Mila. When she’s not in Boise, Jane enjoys cycling and equestrian activities on her hunter/jumper, Gallagher. Check Jane's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Associate Degree, Accounting – Davenport University

       -Tax Exempt and Governmental Plan Consultant

       -Series 7, 63, and 65

       -Michigan Life, Accident and Health Insurance

 

Tami is a people person. Tami truly enjoys helping people through their life journey. No matter what issue a client has, she will explore all options to help determine the best solution. An industry veteran of 30 years, she is highly experienced and handles all aspects of client administration, trust administration, trading, and directly assists Todd with his clients. A lifetime resident of Portage, Tami enjoys reading, biking, golf, staying physically active and is enthusiastically involved as a board member with The Twelve Baskets Food Pantry. She and her husband Glen have been married since 1992 and a rescued Border Collie/Cattle Dog named Jasmine. Check Tami's background on FINRA's BrokerCheck.

 

Licenses Held:

       -​Series 7 and 63

 

Lori is a straight-shooter and possesses a detail-oriented personality. Her  accuracy and quality are second to none. This is the only job she has ever had and is our go-to person for complicated administrative issues. She is the Branch Manager of the office and works to keep us compliant with the ever-changing regulatory landscape in our industry. In addition, she handles client administration, trading, and directly assists Brent with his clientele. In her spare time, she is an expert crafter and lives on her 100 year old family homestead in Otsego. Check Lori's background on FINRA's BrokerCheck.

 

Education, Licenses, and Designations Held:

       -Associate Degree, Business Management – Davenport University

       -CERTIFIED FINANCIAL PLANNER™

       -Series 7, 24, and 63

       -Michigan Life, Accident and Health Insurance

Kelly is the problem solver. She can spend hours getting to the bottom of tedious issues. She handles client administration, portfolio accounting, reporting, and is also the assistant to Scott Williams. She is assists with research and fills in the necessary blanks when it comes to pulling missing information together for the firm. Kelly has a great sense of humor, enjoys puzzles, and spending time with her husband Jon at their cabin up north. They have two grown sons Zack and Alex.

 

Education, Licenses, and Designations Held:

       -Bachelor of Business Administration – Northwood University

       -Registered Paraplanner

 
 

Jacqueline prides herself in her ability to utilize her retirement compliance knowledge to deliver customer service. After graduating from Western Michigan University, she went on to become a qualified retirement plan professional with Kushner & Company. Jacqueline also brings unique insight to being “the client” with her corporate retirement plan experience at the Perrigo Company where she collaborated with advisors and record-keepers to monitor and enhance the effectiveness of their retirement benefit plans as a part of the total rewards strategy. She is highly receptive to our clients’ needs in her role as a retirement plan specialist. Jacqueline is a West Michigan native and resides in Kalamazoo with her husband Mark and their two Pomeranians. In her spare time, she enjoys traveling, exercise of all sorts, and spending time at the lake with friends and family.

 

Education and Licenses held:

       -Bachelor of Business Administration, Finance – Western Michigan University

       -Series 7 and 66

      -Michigan Life, Accident and Health Insurance

Certified Plan Fiduciary Advisor

 

A Kalamazoo native, Brent graduated from Western Michigan University with a degree in Finance and joined the Sanford Financial team in 2016.  In his spare time, he enjoys spending time with his wife, Ellie and son, Barrett.  Brent also enjoys traveling around the Midwest for dog show competitions with his Russian Wolfhounds (Borzoi's).  Check Brent's background on FINRA"s BrokerCheck.

Licenses Held:

      - Series 7 and 66

      - Michigan Life, Accident and Health Insuranceenses Held:

       -​Series 7 and 63

Licenses Held:

       -​Series 7 and 63

As a Client Services Associate, Kelsey provides administrative support for client accounts.  When she is not at work, Kelsey enjoys running, weight-lifting, and spending time with her family, her boyfriend Kumar and her puppy, Leo.  Her favorite place to be is on her family’s boat on Gull Lake in the summer. 

 

Education: 

        - Bachelor’s Degree in Human Resources Management - Western Michigan University

 
 

Kristen is the Client Services Associate on our Retirement Plan team.  Having spent a majority of her career in the legal field, Kristen is a detail-oriented team player who is excellent at multitasking.  She enjoys interacting with people and delivering exceptional customer service.   She and her husband, Andy, have one son, Dylan.  In her spare time, Kristen enjoys doting on her son and two spoiled cats, as well as participating in one of her several hobbies, including cycling, card making, scrapbooking and beading.  Kristen joined Sanford Financial Financial 2018.

Education:

       -Bachelor of Business Administration - Western Michigan University

MRomanak-9C_PREFERRED.jpg

Born and raised in Kalamazoo, Mary is happy to have returned to her hometown after several years of living in Dayton, Ohio.  Mary brings a strong legal background to the firm and understands the importance of confidentiality and time sensitivity when handling client services.   When not at work, Mary says any day at the pool or beach is a good day.  She also enjoys reading, spending time with her family, friends and her cat.  Mary is an avid University of Michigan football and basketball fan.

 

Liz joined Sanford Financial Services in 2019.  She has started in the Financial planning industry in 2012.  Liz serves our clients both in the advisor and client service role.  As an advisor, Liz is able to use her analytical mindset to develop a great financial plan while also understanding that every client is unique and their plan should be too.    Liz graduated from Western Michigan University in 2011 with a Bachelor of Administration in Marketing and Finance.  At home, Liz and her husband, Chad, stay busy with 3 young boys: Mason, Marshall, and Maddox.  Her family loves to stay active in sports and spending time by Lake Michigan.  Her love of athletics is displayed through her position as the Director of Coaching for Schoolcraft Soccer Club along with coaching and playing soccer herself.  Check Liz's background on FINRA's BrokerCheck

 

Education, Licenses, and Designations Held:

   -Bachelor of Business Administration – Western  Michigan University

      - Michigan Life, Accident and Health Insurance 

       -​Series 7 and 63