Photo of team member

T. Jay Jones


T. Jay Jones has served clients as a financial advisor for more than 30 years. He began his career with Edward Jones in 1986 opening the firm's Ashland, WI office in 1987. During this time, he served as a financial advisor for small businesses and individual investors in the Chequamegon Bay area and various other states in the U.S. He holds a Bachelor of Science degree in business administration from Valley City State University, completed the CFP Professional Education Program at the College for Financial Planning, and served in the Army National Guard in North Dakota and Wisconsin.  He obtained a CERTIFIED FINANCIAL PLANNER™ certification from the Certified Financial Planner Board of Standards in 1998. Currently he owns Ringenberg Financial Group and is a Registered Representative with United Planners Financial Services.

Active in his local community, T. Jay was part of the group that founded the Chequamegon Bay Habitat for Humanity, has served on numerous local boards and committees, as well as volunteered for various community activities.  T. Jay enjoys reading, woodworking, motorcycling, fishing, snowshoeing, and living life.
Photo of team member

Marsha Franzel

Financial Paraplanner Qualified Professional™

Marsha has over twenty years of experience in the financial services industry providing client service and performing administrative office management. She graduated from Wisconsin Indianhead Technical College - Ashland in 2001 where she earned her Associate of Applied Science degree in the Administrative Assistant program. She also earned a certificate in Supervisory Leadership after graduation. She began her career at Edward Jones in 2001 as an Office Assistant, was promoted to Branch Office Administrator and Senior Branch Office Administrator prior to joining the Ringenberg Financial Group in 2012. She completed the Financial Paraplanner Qualified Professional™ program from the College for Financial Planning® in 2014. She enjoys the opportunity to meet with clients and colleagues while working as a team to support the long-term success of our clients.

Marsha grew up in the country in Mason, Wisconsin. She now resides in Ashland with her husband Russell. She enjoys reading, spending time with family and searching for antiques - especially vintage costume jewelry. She also enjoys a variety of outdoor activities such as hunting, fishing, boating and riding her Harley Davidson motorcycle every chance she gets.

Photo of team member

Tara Apprill

Client Service Administrator

Originally from St. Louis Missouri, Tara moved to Northern Wisconsin to attend Northland College on the beautiful shores of Lake Superior.  Bringing over 25 years of customer service, retail, and foodservice management, she enjoys working with the public and making new and lasting connections in the community.  When the opportunity presented itself to work at Ringenberg Financial Group she rose to the challenge of changing her profession & learning a new skill set.  She joined Ringenberg Financial Group in July 2021 as a Client Service Administrator.  When calling the office, she likely will be the first one you talk to, assisting clients with appointments, questions they might have concerning their accounts, and account set up and maintenance.  

In her free time Tara enjoys spending time with family, friends, and her dog Sammy.  She enjoys attending live music as well as performing in a local band.  Her grandmother and mother instilled a love of plants and flowers, and she has about 70 plants in her home that she keeps alive and thriving (if only she had more window space), and a large perineal garden.

Photo of team member

Rachel Floran

Support Specialist

Rachel has worked in people-oriented fields in both the public and private sectors for many years. Most recently, she was the art teacher at Washburn Elementary School where she taught children from kindergarten to sixth grade.

Rachel has lived in many places, as her husband worked for the Nation Park Service. They were stationed in parks from the east coast to the west coast, even living on Whidbey and San Jaun Islands in Washington State.

Rachel enjoyed raising two boys near the Big Lake both around the Chequamegon Bay and in Grand Marais, Michigan. Now, she enjoys visiting and taking in new adventures with them whenever she can.

Rachel has a sweet yellow lab, Abby, who comes to work with her and greets clients at the door. Her pastimes include spending time with family and friends, cooking, feeding and watching the birds, reading, gardening, hiking, camping and sky watching.

Photo of team member


Office Herold

Abby is a 12-years-old Labrador mix who joined Ringenberg Financial Group along with her pet parent, Rachel. Abby is highly skilled at greeting visitors, requesting belly rubs, playing Tug-of-War, and giving you those puppy dog eyes in hopes of getting a treat. In her spare time, she enjoys taking naps and dreaming of those elusive chipmunks, rabbits and deer. She also enjoys chasing her ball in the office hallway and keeping the break room crumb free. She thinks being petted by office visitors is the cat's pajamas and is the best thing about being the office's Canine Consultant. 



Learn more today

About How We Can Help

Contact Us