A lifetime resident of Wichita Falls, Michelle joined Personal Money Planning in 2005, which makes her a veteran of the Financial Services Industry. She started out her career primarily in banking and consumer lending. In 2005 she made the move to Personal Money Planning, where she has been ever since. Her duties here have included everything from Office Manager, Human Resources Manager, Chief Compliance Officer, Managing Director of Operations and more. As of 2018, her list now includes President.

Michelle has received the Chartered Financial Consultant (ChFC®) designation, along with the Chartered Retirement Planning Counselor (CRPC®), Financial Paraplanner Qualified Professional (FPQP™), Certified Financial Fiduciary® (CFF), Certified Credit Counselor (CCC), and Certified Financial Health Counselor (CFHC).  She also holds the Series 65 license which allows her to provide investment management advice as an Investment Advisor Representative. Michelle has also completed her course work in the highly prestigious Certified Financial Planning® certification program, and has also established a well-followed personal finance blog called Fix Your Budget.

As the Chief Compliance Officer, she ensures that management and employees are in compliance with the rules and regulations of regulatory agencies, that company policies and procedures are being followed, and that behavior within the organization meets the company’s Code of Ethics. She is a member of the National Society of Compliance Professionals (NSCP) and the DFW Compliance Professionals.

Being part of the community is important to Michelle as well. She is a Sustainer for the Junior League of Wichita Falls where she has held various leadership positions. She has also served on the boards for Wichita Falls Human Resource Management Association and Associated Business Partners.

Michelle holds a Bachelor’s degree in Occupational Education with a Business specialization from Wayland Baptist University, where she graduated with the highest honors.

Michelle spends hundreds of hours a year studying regulations and laws to maintain her level of expertise in areas of compliance, investment management, personal finance, behavioral finance, consumer finance, and financial planning.

John Weyhgandt is the CEO / Founder of Western States Financial & Western States Investments, and is an independent Registered Investment Advisor. 

Western States Financial & Western States Investments is celebrating 26 years in helping our clients achieve financial peace-of-mind.  Our desire is that all our clients learn and find their purpose in life, then take assertive action to live it out.  John takes a holistic approach with his clients, by coming alongside them to create their financial plan, freeing them to focus on what’s important in life: Faith, Family and living their purpose with confidence.

John has earned the National Social Security Advisor certificate  - NSSA®, from the National Social Security Administration.  John is also a current Board Member and past Chairman of the Board for the Corona Chamber of Commerce.

John has been married to his lovely wife Marlene for 26 years and has a daughter, Courtney, that was married in 2019.  John has lived in Corona / Norco since 1974. His hobbies include reading, smoking BBQ, as well as traveling.

Zach is Co-Founder and Chief Operating Officer of The Affinity Group of Companies. Zach has more than 13 years of experience in the financial service industry supported by his degree in business. Zach also holds the Certified Financial Fiduciary (CFF®), Certified Fund Specialist (CFS®), Wealth Management Specialist (WMS℠), Certified Annuity Specialist (CAS®), Certified Income Specialist (CIS)™designation. 

Since I was 14 years old, I always knew I was going to be in the Finance business. Throughout my life two things have steered me to my purpose and obsession in life.

First was from a young age I always noticed my father was stressed about money. I remember being on vacations and he never enjoyed them because he was always worried about saving money away for retirement. He was an intelligent man, but he was not educated on investing, so it made him scared of it. Because he feared investing, he would put his hard-earner money in savings accounts and CDs that were paying pitiful interest rates. He had to save three or four times as much as the average investor for the same end results. After seeing that at a young age I wanted to make sure people were educated on investing so they can achieve their retirement goals while not sacrificing the enjoyment of life.

The second thing that steered me was in the early stages of my career in 2008 during the financial crisis. I will never forget the fear, anxiety, and uncertainty that gripped everyone during that time. It was a rude awakening seeing how this industry I love and dreamed about since I was 14 years old could do harm to others without a second thought. Instead of resenting it or taking a different career path I took it as a challenge to expose the greed, complicate investments, and high management fees and educate clients to help them be better investors. I made it my mission to always put the clients'' interest first.  

Thomas Ginas - CFF, RICP, NSSA, RFC

Tom Ginas is the founder & President of Ginas Financial Inc. & has been in the financial services industry for over 20 years.

Upon earning the Certified Financial Fiduciary (CFF), Retirement Income Certified Professional (RICP) & National Social Security Advisors (NSSA) designations and combining them with an in-depth knowledge of Life, Health, Medicare Supplement Insurance Plans & Benefits, Tom has focused on educating his clients on their options and planning strategies, so they will feel confident in the decisions they make for a comprehensive, long-lasting & fulfilling retirement plan. We help protect your needs, wants & wishes.

As a much sought-after speaker in workplace and community settings, and frequent contributor to financial media (Yahoo Money, Wall Street Journal, Morningstar, lnvestopedia, U.S. News & World Report), Pedro Silva has developed a reputation as a financial educator. Although the breadth of his practice has grown as a result, Pedro’s passion continues to be explaining complicated financial concepts in simple terms. Retirees, divorcees, widows, and job changers are faced with financial decisions which could impact them for a lifetime. Pedro seeks to bring clarity and choices to clients empowering them to make informed financial decisions.

Johnny began his financial services carrier in 1976 with Met Life at age 21.  Retired at age 41 with 20 years service, and began his own financial services company. Johnny is owner/president of both Rosier Benefits & Financial Services and GPS Tax Center.

He is a national instructor for FFEBA, which provides training for federal employees, he also conducts educational workshops on social security and retirement planning nationally.  Johnny’s organization is licensed in 35+ states and has a team of financial professionals across multiple states.

Johnny is married to Nelda Butler Rosier, they have 5 children and 8 grandchildren.

His financial expertise has helped thousands over the past 45 years.

David Hamner is a CPA and began his career auditing School Boards, Public Housing Authorities and Hospitals.  He worked as controller for a hospital, serving as payroll and benefits coordinator.  He was the controller at a publicly traded oil and gas measurement company, where he served as 401(k) plan administrator and employee benefits decision maker for several years. 

After leaving corporate accounting David began working with Federal Employees to help them understand their FERS/CSRS benefits as well as their TSP options.  His background as a 401(k) administrator provided an understanding of the TSP plan since both have similar rules and options. David conducts educational presentations across approximately eight states.  He has achieved the Federal Retirement Consultant (FRC) designation.  He also helps Federal Employees plan for their retirement by minimizing taxes. 

Daniels financial career began as a young boy going to his father’s office and making phone calls reminding clients of their upcoming appointments. Daniel’s professional career began in Oklahoma City with Mass Mutual, constructing Financial Plans and overseeing plan operations for the firm. He than moved back to Arkansas where he joined his family’s operation; Thomason Financial Services, in 2007. Daniel is licensed in over 35 states and specializes in workshops for Federal Employees on their benefits, TSP, and retirement system. Daniel is a FFEBA Representative and FRC (Federal Retirement Consultant) for Federal Employees.

Daniel also runs an extensive Insurance and Retirement advising practice with his father working with Families, Business owners, Farmers, Pilots, etc.

Daniel lives in Little Rock, Arkansas. Married to Sadie Jane Thomason and they have 1 boy: Mack James Thomason.

Shane started his career over 17 years ago in the financial service industry. He has been recognized as one of the top account managers and service providers in his field. He has worked with federal and state workers as well as the private sector.

Shane has been married for over 20 years and has two children. He enjoys helping and guiding his clients achieve their financial and retirement goals.

When it comes to preparing for your financial future, I understand that each person’s needs are unique and dynamic, given the pace in which the world changes today. That’s why when we work together, you’ll receive ongoing personalized service. In the industry since 2003 and serving the community as an Allstate Personal Financial Representative since 2015, my ongoing priority is to help you create a holistic financial strategy to achieve the peace of mind you deserve.