1. Nulty Insurance Agency

1. Nulty Insurance Agency

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Kalamazoo, MI

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Nulty Insurance Agency

2.0 (1 review)
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Services - Nulty Insurance Agency

Homeowner or property

Car and truck insurance

Motorcycle insurance

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3 years ago

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Ask the Community - Nulty Insurance Agency

Ryan Smeader - State Farm Insurance Agent - Team member!

Ryan Smeader - State Farm Insurance Agent

(2 reviews)

Let me first start by saying when I bought my new house I left Ryan Smeader State Farm to save a…read morefew dollars. Two-years later I returned after several revelations: #1 - While slightly more expensive State Farm covers me for more things on my home and auto than my former provider. They have a few built in riders for personal items and things that my other provider wanted a lot of money to insure. They also offer innovative services I have not found elsewhere in my searching. #2 - They want to know me, my family, my goals and dreams and to do their best to protect that which I care about. My former provider had no relationship with me, had not not even taken the time to meet and get to know me. Because of that they allowed my policy to expire without so much as a call. By chance I realized that my insurance had lapsed and needed to get it fixed. My last company made me refill our paper work and submit documents and left me feeling that I was a new customer, and not valued at all. I can tell you from my previous experience Ryan Smeader State Farm won't let that happen. #3 - Great and wonderful staff. I worked with Christy and she was absolutely fantastic. Aside from her knowledge and thoroughness in her explanations, I found her to be extremely patient, competent and caring about my questions. She was not going to let me sign until we had exhausted all angles and questions of my policy and I love that. I need people in my life who are in my corner and honest/straightforward about what I am getting into. My previous providers documents were complicated, hard to understand and clearly written entirely by lawyers. It was not super clear at all angles what I was and was to covered for. While money is a critical component to every financial decision, getting the best coverage and support is even more important. I realize now looking back I let my short term thinking dictate my pocketbook decisions instead of realizing that Ryan Smeader State Farm was always going to have my back no matter what.

Great office everyone is so helpful!read more

TriFound - Our brass sign above the conference room entrance

TriFound

(12 reviews)

I don't know how to even begin to describe my disappointment and devastating financial situation…read morethat I have been put in after hiring a "financial advisor" after my divorce. I had met with Shane Hemphill of Trifound/Vertis in 2022. Jokingly I asked when I could retire which his reply was, anytime. After much paper work and lists of monthly living expenses, assets, bank accounts etc. he arrived at a monthly disbursement amt. I sold my home, let my job and moved east near my family with Shane' encouragement that he could make my money work wherever I want to live. This was the 2nd of many statements that Shane had told me that ended up being very false. At the beginning meetings I was told there was no fee for the services because he has so many high profile cases he doesn't have to take money from little accounts. After all of money in his hands I was then I was paying 9% of the accounts he manages. Which of course is there are multiple. I worked with people that went to Shane and did not check into his credentials until after he had all of my 401K and Brokerage from the sale of my home in his control. If I had I would have found that he has no formal education to be advising of financial growth. I did leave my job at 62 and thought I was fine with the budget of money that was coming from my investments. I assumed that this was the amount I would be getting monthly indefinitely and I could plan my future with this amt. I was in the process of looking for a new home and in applying for a loan it was discovered that all of my money was put in 10 IRA's with the acceptation of the amt. that was set aside for me to live on. After going thru that amt. set By Shane, he then decided to start dipping into my brokerage account for monthly dispersants. ( I did not give prior consent, nor agree to this!!) This money was to go towards the downpayment on a new home.) I expressed my concerns of my investment's growth and my financial future many times to Shane and was always told, you are fine stop worrying. I was MORTIFIED! Several Brokers, fiduciaries, and financial advisors were looking at my accounts that Shane set up and what he invested me in to give their opinion. With no $ growth for 3 years and basically living off disbursements of a "savings account", I DO HAVE to go back work full, give up my apartment and live with family until I can reinvest my money AND see some kind of growth and save money from work until I am 70. (had I kept on the same course with Shane I would have been bankrupt at 71, just like Trifound) Be very careful signing up with a someone that calls themselves financial advisors. A business degree does not qualify for you to represent someone as a financial advisor !!! It should be against the law for these kind of people to misrepresent you to fatten their own pocket and send you to financial despair. Hard lesson learned on my part. I have faith I will be ok and thank God I got Vertis and Shane Hemphill's hands off from my money when I did!

We became clients when TriFound purchased the firm we used for years. We have found them to be…read morevery professional, knowledgeable and easy to get in touch with. Shane and Kyle are personable and easy to talk to, and always return calls or emails as quickly as they can. They've done exactly what they said they would with our investments and are always willing to answer questions or do what we ask. We've been with them now for a few years and have been happy with them.

Nulty Insurance Agency - homeinsurance - Updated July 2026

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