MEET THE TEAM
The team behind Centennial Wealth Advisory is made up of qualified financial professionals who are passionate about helping individuals and families achieve their ideal retirements.
Jon Torbet Senior Partner / Financial Planner
Jon Torbet
Financial Advisor
Jon joined Centennial Wealth Advisory in 2005. His primary goal is to help clients create sustainable income in their retirement years, and he believes it is most important for his clients to protect the assets they have worked so hard to save. Jon truly enjoys helping clients set up a reliable retirement income structure, so they don't have to worry about the day-to-day performance of the stock market. The biggest compliment he receives is when his clients refer their family and friends to him.
Jon has passed the Series 65 securities exam and holds the Investment Adviser Representative (IAR) designation. He also holds licenses in life, accident and health insurance as well as variable annuities in Michigan. He earned his bachelor's degree in business administration from Grand Valley State University in 2004.
Jon is happily married to Jessica, and the couple cherishes their three children: Isaac, Noah and Emma.
Art Canfield Senior Partner / Financial Advisor
Art Canfield
Senior Partner, Financial Advisor
Art Canfield is a dedicated Financial Advisor who not only assists his clients in building secure retirements, he enjoys becoming a families CFO, supporting multiple aspects of one's post career journey. He often can be heard saying, retirement planning is like putting together a 1,000 piece puzzle, but not having the picture on the box to know what it looks like. The true joy of retirement should not be compromised from lack of planning.
Possessing a wealth of knowledge in his field, Art successfully passed the Series 65 securities exam, earning the Investment Adviser Representative (IAR) designation. He also holds a life and health insurance license in Michigan.
Art's impressive career in the financial industry started immediately after earning his bachelor's degree in business administration from Grand Valley State University in 2004. His extensive experience and expertise led him to a pivotal role at Centennial Wealth Advisory in 2012, where he continues to make significant contributions to both his clients and his team.
Family plays a central part in Art's life, as he is happily married to his beautiful wife, Michele, and they are proud parents to their four children, along with many special foster children that have blessed the Canfield household over the years. A lifelong resident of Traverse City, Art's connection to his community runs deep. He actively engages with multiple organizations throughout the year, offering his time and skills. Outside his professional and civic life, Art and the Canfield family relish the stunning beauty of Northern Michigan, exploring and enjoying it together.
Art's blend of professional acumen and commitment to his community and family not only define his career but also enrich the lives of those he serves. His approachable nature and expert guidance make him a trusted advisor to his clients, and a valuable asset to his team and the community at large.
Nick Greenman Financial Advisor
Nick Greenman
Financial Advisor
Based out of the Gaylord, MI office, Nick is a firm believer in the holistic approach to retirement planning. Nick enjoys working with clients to develop an entire retirement picture with an emphasis on investment and portfolio design. Income planning, tax planning, long-term care planning, estate planning, and health insurance also all play a large part in the planning process; Nick thoroughly enjoys making sure that every piece to the puzzle fits! Other than the numbers, Nick’s favorite aspect of his job is hearing all the various stories from clients and being able to establish relationships for years to come.
Nick has passed the Series 65 securities exam and is an investment professional as well as a licensed life and health insurance producer in Michigan. Also, an avid golfer; he does carry his PGA card and has his private pilot’s license. Nick earned his bachelor’s degree in business from Ferris State University in 2010 and worked in the golf resort business for eight years managing the financials, marketing and team of a facility with four championship golf courses prior to joining Centennial Wealth Advisory.
Nick is happily married to his wife of 8 years, Amanda, and they just can’t get enough of their three children: Katelynn, Anna and Noah. Outside of work and sporting events, you can usually find Nick and the family on the family farm as Nick’s in-laws own and operate Cook Family Farm in Gaylord, MI.
Joe Carpenter, CFP® Financial Advisor
Joe Carpenter
Financial Advisor
Joe joined Centennial Wealth Advisory in 2023, bringing with him a decade of Wealth Management experience. Joe’s time working in a family office environment has allowed him to gain considerable experience in all aspects of your financial life.
Joe prides himself on taking a true holistic approach to financial planning, not just giving you a “to do list”. Joe believes that developing a financial plan is important, but it is a moving target and needs to be updated regularly to account for the unforeseen events life throws our way. With this belief, Joe is in regular contact with clients analyzing to make sure you’re on track to meet your goals.
Joe’s experience having worked for a hedge fund and quant based proprietary trading firm offers him a unique perspective into market infrastructure that helps families navigate market volatility to reach their personal goals.
In addition to being a CERTIFIED FINANCIAL PLANNER TM professional, Joe is dually registered and brings the following qualifications: Series 7, Series 66, Variable Life and Annuities producer, Life, Accident and Health producer, Property Casualty producer, and his NMLS mortgage license.
Outside of the office, Joe is a former golden gloves boxer, avid mountain biker and competitive powerlifter. Joe is married to his wife Ashley, has a stepdaughter Hazel and two dogs, Tilley and Esme. Throughout his career, Joe has helped hundreds of families reach their financial goals through a disciplined holistic financial planning approach focused on your family values, goals, and beliefs.
Jack Klunder Financial Advisor
Jack Klunder
Financial Advisor
Jack joined Centennial Wealth Advisory in 2018 with a mission to use the problem solving skills he learned through teaching math and personal finance to help create individualized retirement plans that can stand the test of time. He enjoys learning about the goals and aspirations of his clients and helping them leave the legacy they hope for.
Jack passed the Series 65 securities exam and holds the Investment Adviser Representative (IAR) designation as well as a life insurance license in Michigan. He graduated from Hope College in 2005 with his BA in Mathematics and he earned his Master’s degree in Secondary Leadership. He is a lifelong learner and is excited to help you find your retirement solutions.
Jack loves going through the adventure of life with his wife Jodi and their children; Jackson, Breck, Micah, and Ellie. They are very active in their community, school and church. They love traveling and learning about new places and new people.
Virgil Hughes Financial Advisor
Virgil Hughes
Financial Advisor
Virgil joined the Centennial Wealth Advisory team in April 2024 after spending the previous 10 years in wealth management in Chicago, IL. Having built financial plans for hundreds of clients over the years he has learned a lot about concerns individual clients have when it comes to money. Along with our physical health and well-being, financial concerns are top of mind for most Americans. A couple of quick Google searches will provide some startling statis tics. "72% of Americans reported feeling stressed about money at least some time in the prior month." (American Psychological Association, November 2023) That means most Americans not only feel stressed about money, but they also felt that stress within the previous month. "61% of Americans age 50 and up say they worry they will not have enough money in retirement" (AARP, April 2024).
People often ask Virgil why he choose a profession as a financial advisor. He can provide the answer quickly and it isn't too complicated. He sees a need for competent financial advisors who will operate with integrity. The financial stress for clients is very real and Virgil loves being able to provide straight forward solutions that provide peace of mind. Virgil loves crunching numbers and getting into the details of a client's plan, but nothing beats seeing the results of those numbers play out in his client's everyday lives. The real-world impact for each individual client and being able to be a part of their journey is why Virgil choose his profession.
Even though Virgil is new to Centennial Wealth Advisory, he has over 10+ years of experience as a financial advisor. Virgil holds his Series 7, Series 66 as well as life and health licenses. He graduated from Taylor University with his BA in Business in 2002. Even though he has been working as a financial advisor for over a decade he is still excited as he was on day one to provide well thought out and practical solutions for every client.
When not meeting with clients or working on solutions for their financial concerns Virgil will probably be outside. He has spent much of his life since graduating from Taylor University living in Chicago, Illinois. Even though he didn't move to Gaylord, Michigan until the end of 2023 he is familiar with the area. He has family members that have called Northern Michigan home for over 30 years. Virgil is excited to now be putting down roots himself. Virgil has been visiting and vacationing in Northern Michigan his entire life. He is passionate about fly fishing, hiking, and almost anything that can be done outdoors. He is excited to explore all the natural beauty that the region offers.
Virgil is looking forward to the privilege of sitting down with you and walking through the financial concerns that are causing you stress. The unknown can be scary, that is why having a trusted person come along side you is so important to help you so you too can retire well.
Luke Mooi Tax Planning Advisor, Chief Compliance Officer
Ray Jager Chief Operating Officer
Franz Boehm Marketing Director, TV Producer
Ashley Smith Client Services Specialist
Cathy Flickinger Director of First Impressions
Leah NeverthClient Services Specialist
Dylan McCardel Client Services Specialist
Kadin LaCross Client Services Specialist
Michelle Fiebing Marketing and Social Media Director
Michael Reese Financial Advisor/Founder
Retired
Larry Flynn Financial Advisor/Senior Partner
Ready to take the next step?
For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.