If you are serious about your money, we are serious about your money!
Regardless of where you are financially, we are here to make it BETTER!
Meet Your SMART Team

Gina Wells, CLU, ChFC
Owner, Advanced Capital Group
SMART Advisor
Gina is a Chartered Life Underwriter and Chartered Financial Consultant with over 25 years of experience in the estate and financial services industry. As an investment advisor representative, Gina is known for serving her clients consistently with integrity and respect. Gina is a qualifying life member of the Million Dollar Round Table, National Association of Insurance & Financial Advisors, Wealth & Wisdom Inc., Fenton Chamber of Commerce, and University of Michigan alumni. She served as President of the Genesee County Estate Planning Council as well as President of the Flint Association of Insurance & Financial Advisors. Gina holds life and health insurance licenses in the states of Michigan, Arizona, Minnesota, Florida, Illinois, Ohio, Texas, Georgia, Oklahoma, North Carolina, Tennessee, Mississippi, Nevada, Indiana, and Washington. Gina and her husband Jim live in Linden and enjoy the great outdoors, especially spending time with family and friends.

Catherine Toone
Advisor, Advanced Capital Group
SMART Advisor
Catherine started her career in the Financial Services industry in 2012. Over the course of her time helping clients organize, plan, and prepare for retirement, she has learned that the path to financial freedom can be a deeply emotional and personal journey.
Gina and Catherine have the same belief system when it comes to being Debt Free For Life and how the power of financial education. She is an advocate for transparency, education, and real-talk when it comes to financial planning and believes that everyone, regardless of income or socioeconomic factors, has the ability to achieve their financial goals.
Catherine lives in Grand Blanc with her husband Kelly, Vice President and Chef at Plum Market, and her two spirited school-aged boys, Owen and Liam.
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This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Advanced Capital Group, LLC, and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc
Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership includes attaining specified levels of commissions earned, premiums paid or income earned on the sale of insurance and other financial products. MDRT membership requirements include the payment of annual dues, compliance with ethical standards, and maintaining good standing with an MDRT-approved professional association. The MDRT logo and/or trademarks are property of their respective owners and no endorsement of Gina Wells or Advanced Capital Group is stated or implied. MDRT and Retirement Wealth Advisors, Inc. (RWA) are not affiliated.
For the detailed requirements of MDRT, please visit: https://www.mdrt.org/membership/requirements/