About Lake Effect Financial Consultants

We're proud to be Thrivent financial professionals. We provide personalized financial guidance to people at all stages of life. At Thrivent, we view money not as a goal, but as a tool — one that can afford you a life rich in meaning and gratitude. We believe humanity thrives when individuals make the most of all they've been given. We're here to help you do just that.

Kalamazoo Office

Michael Farrance

Michael Farrance

ChFC®, CLU®, FIC, BFA™

Financial Consultant

Book a meeting with Michael Farrance-Kalamazoo Office

Book a meeting with Michael Farrance- Lansing Office

Book a meeting with Michael Farrance-ZOOM

Book a meeting with Michael Farrance-Saint Joseph Office

Michael holds the Chartered Financial Consultant (ChFC®) designation and has been with Thrivent since 2016. He specializes in holistic financial planning, tax-efficiency retirement planning, wealth transfer, Dedicated Planning Services and educated advice and life insurance needs. He also mentors new advisors, helping them learn and grow to provide excellent service to our members. Michael is supported by two staff members to provide personalized service in financial matters that are important to you.

He is a Marine Veteran and served our country from 2001-2005. With a mission of guiding Christians to be wise with money, Thrivent aligns with his core values and gives him the opportunity to continue serving and protecting the members of his community. Michael enjoys hanging out with friends and family, fishing trips to Minnesota, golfing, and volunteering. Michael attends Trinity Lutheran Church in Paw Paw where he worships with his family.

Title

Financial Consultant

State(s) Licensed
AZ , CA Insurance Lic. #4284366 , FL , GA , IL , IN , MA , MI , NC , OH , PA , SC , WA , WI
Website
https://connect.thrivent.com/michael-farrance
Phone
269-655-1818
William Annis

William Annis

FIC, RICP®

Financial Associate

Book a meeting with William Annis-Kalamazoo office

Book a meeting with William Annis-ZOOM

Book a meeting with William Annis-Client's Home

Book a meeting with William Annis-Biggby Coldwater

Book a meeting with William Annis-Biggby Marshall

Bill believes that retirement planning is a critical aspect of financial planning and requires a tailored approach to meet the unique needs of each individual. His philosophy is centered on the following principles: empowerment, collaboration, personalization, and continuous improvement. Bill has been with Thrivent since 2017 and holds a Retirement Income Certified Professional (RICP®) designation from The American College of Financial Services that helps him understand and design a plan around his client’s goals.

 Bill and his wife Kelli live in Marshall. Bill and Kelli enjoy spending time with their two adult sons and four grandsons. They also enjoy traveling with their family and friends. Bill is a member of Marshall Rotary, a board member for Battle Creek Area Habitat for Humanity and a board member for Mobile Meals, Inc. of Marshall.

 

Title

Associate

State(s) Licensed
AZ , MI , OH , SC
Website
https://connect.thrivent.com/william-annis
Phone
269-655-1818
Terry Gautz

Terry Gautz

Licensed Office Professional

Terry has been with Thrivent since 2009. He has a passion for guiding Christians to be wise with money, Thrivent aligns with his core values and gives him the opportunity to continue serving the members of his community.

He is passionate about providing dependable service. Terry enjoys camping, friends and family, fishing, golfing, and volunteering. Terry is a member at Immanuel Lutheran Church in Monroe where he and his wife Kathryn worships. Terry and Kathryn have 3 grown sons, 3 wonderful daughter in-laws, 5 adoring grandchildren.

Title

Licensed Office Professional

Phone
269-655-1818
Stephanie Farrance

Stephanie Farrance

FIC

Practice Support Associate

Stephanie has been with Thrivent since June 2019. Stephanie works on back off tasks, marketing, scheduling workshops and events and building relationships with local churches and non-profits. Before working for Thrivent, Stephanie was a Licensed Veterinary Technician. She chose to work for Thrivent because she saw the impact they had on member’s in her community through their charitable programs.

She loves to run, read, volunteer and spend time at the lake with Michael and their daughters. She attends Trinity Lutheran Church in Paw Paw.

Title

Practice Supt Associate

State(s) Licensed
MI
Phone
269-655-1818