Meet Our Wealth Management Team

Our experienced wealth management professionals are ready and willing to help you find solutions for investment, fiduciary, trust and other wealth management services.

Gary D. Haapala
President, Wealth Management Group


Education:  Associate of Art, Schoolcraft College; Bachelors of Business Administration, Eastern Michigan University.

Qualifications/Certifications:  Extensive financial services company experience in investments, private banking and the wealth management industry.

Yrs. of experience: 25+

Gary’s approach at United Bank & Trust is to make sure that each person understands his or her role, and is fully engaged and empowered, so that they precisely respond to  all of their client’s needs.   “We are highly successful here because we combine our individual and unique skills for the benefit of team results. We’ve developed an environment that is professionally passionate, and one that is filled with fun and camaraderie” says Gary.

Serving others by building authentic relationships is something Gary is very passionate about.  “Serving and helping others is consistently applied to all we interact with, just like we would our family,” he said.  He likes the fact that they treat every task as an adventure, and that they speak and act from the heart in a positive, constructive, uplifting way.  “We strive to be a part of the solution and avoid being part of the problem, and we are all empowered to do the right thing.”

Gary believes that his company’s actions are based on a long-term view to create “clients for life” and to continually enhance the communities they serve. His Community Involvement includes:  Youth basketball coach, United Way Day of Caring, MBA Trust Executive Committee, MBA Trust Management Committee.


Tonia-Marie Wander
Vice President, Financial Planning Product Manager


Education: Bachelors of Arts in Philosophy, Summa Cum Laude, University of Michigan, 1988; Master’s of Science in Accounting, Highest Honors, Eastern Michigan University, 1998.

Qualifications/Certifications: Certified Public Accountant (CPA), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), trained in Collaborative Divorce Financial Planning.

Awards & Recognitions: Award for Outstanding Service to the Collaborative Practice Institute of Michigan in 2009; listed in “Who’s Who in Executives and Professionals”; recognized as a “Five Star Wealth Manager” by HOUR Detroit and DBusiness magazines, 2010 and 2011.

In Industry Since: 1989

Industry Experience: In her current position as Vice President at United Bank and Trust, Toni is the Financial Planning Product Manager, assisting clients with all aspects of financial planning including initial analysis, estate, retirement, and education planning, cash flow management, tax reduction techniques, and risk management. Toni is also trained as a Collaborative Professional Financial Planner, and assists individuals with their finances as they go through a divorce.

“Financial planning is all about finding the right technique to solve a client’s financial problem. It’s like finding the right pieces of a puzzle and putting it all together,” she says. “At United Financial Services, we all work together to find the right answer for the client. We work as a family.”

Toni understands that clients all have goals, things they want to accomplish in their lifetimes. What she loves is helping them realize their dreams.

“Whether it’s retiring at a certain age, getting through a divorce, lowering taxes, planning for business transitions, setting up Charitable Remainder Trusts, or simply getting out of debt, it’s all part of what I do,” she says. Toni Wander is a Board Member of Washtenaw Community College, and contributes to Ele’s Place and United Way. She lives in Ann Arbor with her husband and two children, and enjoys jogging and canoeing.

Community Involvement: Toni Wander is a Board Member of Washtenaw Community College, and contributes to Ele’s Place and United Way. 

Russell Holznagle
Senior Vice President, Operations Manager


In Industry Since: 1985

Industry Experience: At United, Russ oversees all aspects of the operations of the Wealth Management Group. This includes the operations co-workers, systems, vendors, quality standards, reporting standards, and budgets that support client service and the Wealth Management Groups’ strategic plan. Russ has over 25 years of financial services industry experience in a variety of roles.  Prior to joining United, he was vice president of product and business support at Comerica Bank in their Wealth and Institutional Management division.


Laura Yarckow
Assistance Vice President, Trust Operations


Education: Associate of Business, Baker College; Bachelors of Business Administration with concentrations in Accounting/Finance and Information Systems, Baker College

Qualifications/Certification: Lean Office Certification Program, University of Michigan, Center for Professional Development

In Industry Since: 1999

Industry Experience: Laura has a variety of roles that help support the operations of the Wealth Management Group, this includes tax reporting, system knowledge, training co-workers, process review/improvement and is certified in Lean Office. 

Evan C. LeRoy, MBA
Officer and Portfolio Manager Analyst


Education: Evan earned his Bachelor of Arts and his Masters in Business Administration from the University of Michigan.

Qualifications/Certification: He is currently pursuing the Chartered Financial Analyst (CFA) qualification.

In Industry Since: 2006

Industry Experience: Evan has extensive experience in the investment management and financial services field. Since joining United Bank & Trust in 2012, he has been primarily responsible for investment research, internal portfolio management and internal reporting.

Community Involvement: Evan has previously served on the Kiwanis Club of Livonia Board of Directors.

Lenawee Market Team


Arthur C. Doner
Senior Vice President and Market Manager


Education and Accreditation: Art earned a Bachelor of Science Degree in Corporate Finance from Wayne State University and graduated Summa Cum Laude with a Masters of Science Degree in Management from Walsh College.

Industry Experience: Art joined United in 2010 and has over 20 years of Trust and Investment related experience serving primarily in leadership roles. Now as the Wealth Management Market Manager for Lenawee, he is responsible for managing all aspects of the business plan, providing leadership, direction, expanding client relationships and business development.

“Helping others is one of my top personal core values,” says Art. “In my role at United, I am able to help people live their lives to the fullest by managing financial resources to accomplish their dreams and goals.” At United, Art is happy to be part of an organization that always does “what is best” for clients, coworkers and our communities recognizing that serving others is the most important ingredient of the business.

Community Involvement: Art is Vice Chair of the Adrian Area Chamber of Commerce Board of Directors and continues to serve in a leadership role in United Way campaigns and other community activities.

Holleigh E. Baker
Senior Vice President and Trust Administrator


Education: After graduating from the University of Colorado with a Bachelor of Arts in Sociology, she went on to earn her Juris Doctor from the Thomas M. Cooley Law School.

In Industry Since: 2005


Industry Experience: Prior to joining United Bank & Trust in 2005, Holleigh practiced in various areas of the law, with an emphasis on medical malpractice defense and licensing issues. Holleigh assists clients in the administration of trust and estate accounts.

Community Involvement: Chair for Hospice of Lenawee, Montessori Children’s House, United Way.  Involved with Zonta International and ATHENA.

Thomas McCarrell
Vice President, Investment Management


Education: Tom received a Bachelor of Arts degree in Business from Spring Arbor University.

Qualifications/Certifications: Chartered Financial Analyst (CFA)

In Industry Since: 1979

Industry Experience: Tom's experience includes; managing investments for individuals, endowments, and institutional clients in southern Michigan. He is responsible for the development, implementation, and monitoring of client investment portfolios. He is past President of the Jackson Area Estate Planning Council.


Gidget Rowe
Financial Advisor, Officer


Education: Graduated Cum Laude with a Bachelor of Business Administration, Siena Heights University.

Securities registrations and licenses (held through LPL Financial): Series 7, Series 65, Series 63 and Life/Health Licenses.

Yrs. of experience: 6 years

While Ms. Rowe’s focus is on retirement planning, IRAs and Roth IRAs, she also assesses clients’ assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives to establish investment strategies. Her passion is helping clients achieve their dreams, and she works for United because it allows her to do just that.

“United allows me to work it like I own it,” she says. “I like to discover the problem or issue, and then create a plan that addresses what my client needs."

She’s a member of WIFS (Women in Insurance & Financial Services) and Zonta, and also sits on the Boards of both Directors of Goodwill Industries of Southeast Michigan and of Family Counseling and Children’s Services.

Her hobbies include running, reading, playing softball and traveling. She lives in Tecumseh, with her husband Mark and two daughters, McKenzie and Ashley.

Washtenaw Market Team

John L. Arenz, J.D
Trust Officer


Education: Bachelor of Science, Northern Michigan University, May 2005; Juris Doctorate, Michigan State University College of Law, May 2008.

Qualifications/Certifications: Licensed Michigan Attorney, active and in good standing; Probate & Estate Planning Certificate Recipient.

Recognition & Awards: Jurisprudence Achievement Award in Mediation Advocacy.  Most Valued Participant from the 2013 Trust Administrative Committee Offsite.

In Industry Since: 2008

As a Trust Officer, John uses his training and experience to proactively settle estates and administer trusts.  He educates clients and focuses on meeting their needs by listening and being accessible, responsive, and thoughtful.

John is proud to be a member of the Wealth Management Group at United Bank and Trust.  “Our team delivers excellent client service made possible by going the extra mile together,” he says, “We are accessible and engage others empathically.”

John works at United because of its culture and focus on helping the communities it serves.  John is a member of the Washtenaw County Bar Association Probate and Estate Planning Section, and the Washtenaw County Estate Planning Council.  He is also involved in local nonprofits.

John and his wife Barbara live in Ann Arbor, and enjoy spending time together downtown.

David C. Blough
Senior Vice President, Investment Management


Education: BA – Finance, Michigan State University; MBA – Finance, Western Michigan University.

Qualifications/Certifications: Chartered Financial Analyst. (CFA)

Recognition & Awards: Past President- Western Michigan Financial Analyst Society. United Bank & Trust's Co-worker of the Year, 2001. Past President of Saline Rotary Club and Rotary International “Paul Harris Fellow.”

In Industry Since: 1972 

David is a Senior Portfolio Manager in the Wealth Management Group, and believes in building close relationships with clients to help them achieve competitive returns with moderate risk through high quality investments. He has a real enthusiasm for the challenge of investing.

“I have a passion for economics and its influence on investment management,” he says. “I enjoy the ever-changing challenges of making sound investment decisions to meet my client’s long term goals.”

He joined United in 1999 because of its focus on doing what’s best for the client. David also has a passion for competitive running, and has completed twelve Marathons (26.2 miles), including four Boston Marathons. He also enjoys golf and photography. David and his wife have lived in Saline since 1988.

Community Involvement: Board Member and Past Treasurer of the Saline/Brecon, Wales Friendship Guild. Saline Rotary Club: Board Member, Past President and Treasurer. First United Methodist Church of Saline: Board of Trustees, Treasurer for 10 years, served on Finance Committee and the Endowment Fund Committee.


William J. Dunlap
Vice President, Trust Administration


Education: BBA, Eastern Michigan University

Professional Associations: Washtenaw Estate Planning Council

In Industry Since: 1967

Bill Dunlap administers all kinds of fiduciary and investment accounts, and has for a long time. His depth of expertise makes him invaluable in the Wealth Management Group. Because of his attention and dedication, many of his clients have been with him for 20 – 30 years. He likes getting to really know clients personally so he can offer real solutions for them.

“I like to do what is right and not be superficial,” he says. “At United, I’m empowered to do just that.

Community Involvement: Bill volunteers in the Tecumseh Middle School Pen Pal Program and at his church.

Kevin Murphy
Financial Advisor, Officer


Education: Bachelor’s of Science Engineering – University of Michigan, 1998.

Securities registrations and licenses (held through LPL Financial): Series 7, 63, 65, and Life Insurance Licenses.

Professional Associations: Washtenaw Estate Planning Council.

Yrs. of experience: 3

The first decade of his professional career entailed helping private corporations and local communities identify and prioritize multimillion dollar capital improvement projects, which entailed assistance in budgeting, financing and execution. His desire to shift that focus toward the success of individuals brought him to United. Now, he implements a systematic approach to create financial plans to achieve his client’s goals.

“Personal investing and finances can be confusing, but they don’t have to be.” he says. “My greatest satisfaction is seeing and hearing our clients’ expressions of peace of having their financial affairs in order, seeing them realize their success, and knowing I had a part in that process.”

Kevin likes working at United because the Wealth Management Group looks at each client’s unique situation and draws on the appropriate Estate Planning, Tax Planning and Investment Planning strategies to provide a comprehensive financial plan. Kevin serves on the monthly investment committee that builds portfolios for the team’s clients.  He also likes that he’s able to incorporate other mortgage, personal and business banking expertise to round out the financial planning services for his clients.

Kevin is a supporter of United Way and of Rain catchers, an organization providing clean drinking water solutions to the people of Seguin, Haiti.

He lives in Ann Arbor with his wife and two daughters, and enjoys swimming at the University of Michigan and running through the Nichols Arboretum.

Carol A. Sewell
Senior Vice President, Fiduciary Product Manager


Education: Bachelor of Science, Business Administration (major in Finance) - Oklahoma State University, Accounting and Commercial Bank Management minors, Juris doctorate – Wayne State University College of Law

Qualifications/Certification: Member of Michigan State Bar Association; Institute of Continuing Legal Education Probate and Estate Planning Certificate of Completion.

In Industry Since: 2000

Currently a Senior Vice President in the Wealth Management Group, Carol’s work primarily involves assisting clients with the estate planning and estate settlement piece of their financial plans. This process most commonly begins by coordinating with local attorneys for the preparation of their estate planning documents, assisting with regular updates to those documents due to significant life events as well as changes in relevant estate planning and taxation laws and ultimately, guiding their loved ones through the settlement of their final affairs.

She also manages the Wealth Management Group’s fiduciary work which involves the design, creation and implementation of new fiduciary products offered by United as well as oversight of the compliance requirements for the organization’s fiduciary work as trustee or personal representative.

“The primary satisfaction I get from my work is helping clients navigate through the various changes in their financial lives: from estate planning, education savings, retirement planning and charitable giving, and knowing that clients feel comfortable coming to me for advice in these areas,” says Carol. She believes that this is best accomplished through developing trusted relationships with clients, getting to know their family circumstances, financial and estate planning goals, needs and intentions and coordinating with the other members of the Wealth Management Group as well as clients’ outside accountants and attorneys.

Carol works at United because of the importance placed on putting clients’ needs first, which is a culture she feels privileged to be a part of. The client service model, professionalism and experience of her Wealth Management Group teammates, together with the group’s close working relationships with the other members of the local estate planning community is what drew her to United after leaving private practice.

Community Involvement: Michigan Banker's Association Trust Executive Committee, Michigan Bankers Association Trust Counsel Committee, Washtenaw County Bar Association, Washtenaw County Estate Planning Council, Michigan Bar Association.

Charles N. Waterhouse
Vice President and Senior Financial Advisor


Education: University of Michigan – Bachelor’s degree with concentrations in Economics and Accounting.

Recognition & Awards: Selected to author the chapter on “Investments in a Fiduciary Setting” for the Institute of Continuing Legal Education. Speaker for ICLE’s seminar to introduce the new Michigan Trust Code.

In Industry Since: 1980

As a Financial Advisor, Charlie helps clients identify and achieve their financial goals. As a seasoned investment professional, he offers extensive experience in financial services and investment management. As Chairman of the firm’s Trust Investment Committee, he directs the development, implementation and monitoring of client investment solutions.

But what Charlie really loves is helping people achieve their goals. Through a commitment to a personalized client experience, he gets to know clients and their specific needs, and develop strategies to reach them.

“As a harmony guy, I like happy clients” he says. “When you’re open and honest, and committed to doing the best thing for the client, the result is usually another satisfied client.”

Since joining the bank in 1998, United has shown him that clients and co-workers still matter at United. As a community-based financial services company, United and the Wealth Management Group understand the need to delivery a high level of client service to differentiate ourselves from the rest.

Outside of work, Charlie enjoys golf and cycling, and lives in Ann Arbor with his wife, Diane and has two grown children, Alex and Mackenzie.

Community Involvement: Charlie currently serves on the Board of The Neutral Zone and is a past Finance Committee Chairman for Goodwill Industries, as well as a past coach for travel soccer teams. 

James W. Winslow
Vice President, Senior Financial Advisor


Education: Bachelor’s degree from University of Michigan, Master’s Degree in Financial Planning.

Securities Registrations and licenses (held through LPL Financial): Series 7, 9, 10, 63, 66. Life/Health Insurance Licenses.

Professional Associations: Financial Planning Association

Yrs. of experience: 18

Jim Winslow works with individuals to help them identify their goals, create financial plans, and implement those plans. He establishes a relationship with his clients, something that United encourages.

“I listen to my clients,” he says. “I get to know them so that I understand them, and I earn their trust. United has a culture of understanding our clients and putting them first.”

Jim spends his spare time coaching youth soccer, playing golf and boating in Northern Michigan. He lives in Saline.

James T. Racine
Financial Advisor, Officer


Industry Experience: James is a financial advisor managing individual and business client relationships working with them to achieve their financial goals. He specializes in the areas of financial planning, retirement, non-retirement asset management, and life, long term care and disability insurance needs. Prior to joining United in 2012, James served in business development and client relationship roles with a variety of technology manufacturers.

Education and Accreditation: James attained his Bachelor of Science in Mechanical Engineering from the University of Wisconsin- Madison. He is currently pursuing the Series 7 and 65 securities registrations along with his life/accident/health insurance licenses.


Joyce Koehn
Financial Planner


Industry Experience: Joyce brings over 10 years of experience in the financial planning industry with a focus on financial planning, retirement planning and insurance needs. She holds a Master of Business Administration from Pepperdine University, a Bachelor of Science in Personnel Management from Michigan State University, and Series 6, 7, 63, and 65 securities registrations along with life and health insurance licenses. She is currently pursuing the Certified Financial Planner certification. Joyce also sits on the board of the Women’s Exchange of Washtenaw and serves on her Condominium Association board holding the positions of both Treasurer and President.