About Lake Effect Financial Consultants
Meet Our Team
Kalamazoo Office

Michael Farrance
AEP®, ChFC®, CLU®, FIC, BFA™
Wealth Advisor
Meet with Michael Farrance at the Kalamazoo office or Microsoft Teams
Meet with Michael Farrance at the Lansing office or Microsoft Teams
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
Wealth Advisor
- State(s) Licensed
- AZ , CA Insurance Lic. #4284366 , FL , GA , IL , IN , MA , MI , NC , OH , PA , SC , TN , WA , WI
- Website
- https://connect.thrivent.com/michael-farrance
- Phone
- 269-655-1818

William Annis
FIC, RICP®
Financial Associate
Book a meeting with William Annis, Financial Associate with Thrivent
Bill holds a Master’s degree in Hospital Administration from Xavier University and brings nearly 25 years of experience working alongside physicians and hospitals. Seeking a new direction, he transitioned his career to help individuals retire with confidence, ensuring they have a solid plan to navigate life’s changes. Bill completed the Retirement Income Certified Professional designation from The American College of Financial Services. This equips him to design personalized retirement strategies tailored to your unique goals. Since moving to Marshall in 2007, Bill and his wife, Kelli, have truly enjoyed becoming part of this community. In their free time, Kelli finds joy in gardening while Bill focuses on home improvement projects. They are grateful for their two sons and their families, which included four wonderful grandsons. They cherish the memories they create together. Their family adventures often include their two dogs and traveling with loved ones.
- Title
Associate
- State(s) Licensed
- MI , OH
- Website
- https://connect.thrivent.com/william-annis
- Phone
- 269-655-1818

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
FIC
Practice Support Associate
Stephanie has been with Thrivent since June 2019. Stephanie works on back office 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