About Us

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 and has served on numerous local boards and committees. He is currently a member of the board of directors for Memorial Medical Center, a member of the Ashland Rotary Club, and a volunteer for various community activities. T. Jay enjoys reading, woodworking, motorcycling, fishing, snowshoeing, and living life.

Stephanie Eder

Stephanie Eder began her career in banking in 1988 at M&I Bank of Ashland. Manager of the local BMO Bank branch since 2008, she has helped many people and businesses in the Chequamegon Bay area over the years.

Stephanie believes in giving back to her community and has served on numerous boards and committees over the years including Rotary, the BRICK, New Day Shelter, municipal boards, and more.

Stephanie and her husband Martin have 5 children and live in Ashland. She enjoys gardening, reading, traveling, fishing and boating among the Apostle Islands on Lake Superior. She is also active with running, skiing, yoga, and exercise classes.

Stephanie holds a Bachelor of Science degree in Business Management from Northland College, earned the AIF® Designation from the Center for Fiduciary Studies in 2016 and obtained a CERTIFIED FINANCIAL PLANNER™ certification from the Certified Financial Planner Board of Standards in 2019.

Marsha Franzel

Financial Paraplanner Qualified Professional™

Marsha has over fifteen 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.

Marsha currently serves as a member of the WITC-Ashland Office Advisory Committee.

Marsha 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, running and riding her Harley Davidson motorcycle every chance she gets.

Julie M. Stipetich

Client Service Administrator

Julie, the oldest of five children, grew up on a dairy farm north of Rice Lake, WI. She attended the University of Wisconsin-Superior where she earned a Bachelor of Science Degree in biology/chemistry for secondary education and further certification in secondary mathematics. Her 15 year career in education began at Our Lady of the Lake Catholic School in Ashland, WI. She also taught mathematics at Ashland High School. Her work as a Branch Office Administrator, with Edward Jones, began in 2007. Julie was promoted to Senior Branch Office Administrator prior to joining Ringenberg Financial Group in 2012.

Julie and her husband, Steve, were married in 1980. They have three adult children. Steve and Julie reside on a hobby farm in rural Ashland where they enjoy country life. Julie has assisted as an adult leader with the Bayfield County 4-H Program and is a new Board Member of The Brick Ministries. As a board member, she supports the mission of The Brick to compassionately serve and respect individuals and families residing in the counties of Ashland and Bayfield. Julie also enjoys gardening, reading, cooking, outdoor activities, and, most importantly, being a grandmother and spending time with family.

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