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      <image:title>About Us - James Studinger</image:title>
      <image:caption>I’m a Yooper, which means I grew up in Michigan’s Upper Peninsula. I love to camp, hunt, fish, hike, bike and explore. I’ve done Ironman’s, climbed Mt. Rainier, ran the “Rim2Rim2Rim” and biked 1,200 miles around the U.P. in 10 days. My outdoor adventures and athletics directly correlate to how I run my business. You can’t accomplish these events without having a detailed plan. It takes training. LIke everything in life, balance is key. These traits are exactly what is required when it comes to making money. All my clients are firmly aware of what I call the Big 3 Principles essential to making money…</image:caption>
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      <image:title>About Us - Kris Replogle</image:title>
      <image:caption>I like to get things done and to make our clients happy. Having worked in finance on the Tokyo Stock Exchange, in the automotive business and as a consultant to innovative start-ups, I am adaptable and can relate to people from any industry. I love to see the changes that happen with clients over the years and how excited they get when…</image:caption>
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      <image:title>About Us - Ryan Stafford</image:title>
      <image:caption>I recently graduated from Michigan Tech and couldn’t be happier to be a part of the JPStudinger team as a Client Service Associate. While wealth management is new to me, I have had multiple internships in the financial field in banking and business consulting. I look forward to applying my skills to help meet every client’s unique needs, and I especially look forward to getting to know everyone. If you ever have a question or need help with anything, feel free to give me a call, and I’ll make sure it gets taken care of! I’m thrilled to be living in Michigan while I start my career! I’m originally from the Minneapolis area, but I love it here in Michigan…</image:caption>
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      <image:caption>And then we will show you the way there.</image:caption>
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      <image:title>Services - “Our primary goal is for people to understand and feel comfortable with how their money works. We drive net worth value and celebrate accomplishments with our clients.”</image:title>
      <image:caption>— James Studinger</image:caption>
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      <image:title>Services - Since the beginning, our focus has been on increasing personal net worth.</image:title>
      <image:caption>We understand what it takes to be financially independent and we work with our clients to help them achieve their optimal balance.</image:caption>
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      <image:title>jpsmoney - Asset Management Financial Training Plan Speaking/Group Education</image:title>
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      <image:title>The Book</image:title>
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      <image:title>The Book</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602631750200-5EKJ8TCDHO65KFDGN7YI/treadmill_jpg.jpg</image:loc>
      <image:title>The Book</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602705069658-KO67U98QKMOO8OFMG2QQ/DSC_0009.jpg</image:loc>
      <image:title>The Book - James wrote Wealth Is a Choice before the major financial meltdown of 2008. concerned with loose lending, frivolous spending and government mismanaged regulation, “the signs were clear” that America needs to step up and take back financial control.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602704969892-KIBX1JL2XMKMB5857QMD/DSC_0001.jpg</image:loc>
      <image:title>The Book - James wrote this book from the standpoint that if anything happened to him, what would he want his boys to know about money so they could prosper financially and not be taken with bad advice. the principles to building wealth that applied then are still true today. Wealth Is a Choice is the kind of book that people read, and then pass on to all others they care about.</image:title>
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    <lastmod>2025-01-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602616980664-FYUY144NU1TFMUTUTZWE/20180625_143924.jpg</image:loc>
      <image:title>asset management - The process starts with understanding your distribution needs. We then construct a proper balance of equities and fixed income in your portfolio. Just as important, we monitor and make adjustments to the underlying investments throughout the year. Investing isn’t a set it and forget endeavor. it takes regular analysis and calculated modifications rooted in facts and unscathed by headline emotions.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602616492516-70KD9EL3VFEE5HSESJ9M/20180625_143925.jpg</image:loc>
      <image:title>asset management - We believe in diversification and the theory of asset allocation, but we aren’t imprisoned by its constraints that run rampart throughout our industry. Instead, we take a logical approach to balancing risk and opportunity given current economic conditions.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1603464053129-SF5FKPVHZBGNBHQ8PQKD/DSC_0028.JPG</image:loc>
      <image:title>asset management - Financial Planning Financial Training Plan Speaking/Group Education</image:title>
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    <lastmod>2020-12-15</lastmod>
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      <image:title>speaking group education</image:title>
      <image:caption>Full Detroit Economic Club Young Leaders Conference audio here</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f848c949e3ba02ab1ae1486/1602629054708-FURSBVJNSJT1CM158VWV/james+fr.png</image:loc>
      <image:title>speaking group education - Lack of knowledge is destructive. James believes that we are explicitly migrating toward an emphasis of individual wealth, and away from the days where pensions and social security were the primary sources of retirement funding. This shift is often acknowledged, yet met with great uncertainly and anxiety. James believes that we all have it in us to succeed, if only people focused on the simple things that matter most. Using the principles from his book Wealth Is a Choice, James removes the mystery of money, and gives people tools they can use immediately to improve their personal financial position.  With real life financial examples, and abstract analogies, James makes it easy to understand what obstacles hold people back, and what they can do to avoid them. He does not discuss get rich schemes, as he believes that it requires good financial habits and an understanding of growing wealth in order for people to attain, and grow the necessary level of wealth based on their personal needs and desires.</image:title>
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      <image:title>speaking group education - Financial Planning Asset Management Financial Training Plan</image:title>
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    <loc>https://www.jpstudinger.com/mollie-proctor</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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