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TOLEDO, OH – January 05, 2026 – PRESSADVANTAGE –

Croak Capital, a fee-only fiduciary financial advisor in Ann Arbor, is gaining traction among local investors navigating complex wealth moments such as business sales, equity payouts, and inheritances. The firm works with clients who have $2 million or more in investable assets, providing coordinated portfolio management, tax-aware planning, and multi-generational strategy under a strict fiduciary standard.

“As wealth becomes more complex, casual advice stops working,” said Eric Croak, President of Croak Capital.“ Many Ann Arbor professionals are juggling concentrated stock, equity from a business or practice, multiple retirement plans, and future estate goals. Our role is to sit at the center of that picture, coordinate the moving parts, and make sure every decision serves the client — not a product manufacturer.”

Ann Arbor’s economy, anchored by the University of Michigan, healthcare systems, technology firms, and advanced manufacturing, has created a concentration of entrepreneurs, executives, and professionals with sophisticated balance sheets. Liquidity events — such as company sales, stock vesting, and significant inheritances — often trigger a cascade of decisions, including: diversifying concentrated stock positions, managing multi-state and multi-jurisdictional tax exposure, coordinating retirement, trust, and brokerage accounts, and funding long-term family and philanthropic goals. Without structure, these inflection points can lead to unnecessary taxes, inefficient diversification, or missed opportunities.

“High-net-worth investors are increasingly looking for advisors who are legally obligated to put their interests first,” Croak added. “A fiduciary framework reduces the noise and lets us focus on what actually moves the needle: risk, taxes, behavior, and alignment with the client’s life.”

Croak Capital’s model combines investment management with broader financial planning and professional coordination. As a fee-only fiduciary, the firm is compensated directly by clients, not through product commissions, revenue-sharing, or hidden incentives. This structure supports impartial portfolio construction across public markets and, where appropriate, private strategies; tax-aware deployment of capital after liquidity events, including pacing, loss harvesting, and asset location; estate and trust coordination in conjunction with clients’ attorneys and CPAs; and multi-generational planning, ensuring that beneficiary designations, trusts, and investment strategies work together rather than in conflict.

For entrepreneurs and executives seeking a fiduciary financial advisor in Ann Arbor — and may hold overlapping interests in startups, privately held businesses, employer stock plans, and retirement accounts — this level of integration is particularly relevant.

Many Ann Arbor investors hold significant exposure to a single company or sector, whether through founder equity, options and RSUs, or legacy holdings. Croak Capital designs multi-year diversification plans that balance risk management with tax considerations, using tools such as staged selling, charitable planning, and, when suitable, exchange funds or other structures.

The firm also evaluates access to private equity, private credit, institutional real estate, and other alternative investments for qualified clients. Because Croak Capital does not receive product commissions, these vehicles are assessed on fit, transparency, and portfolio role rather than sales incentives.

In parallel, multi-generational wealth planning has become a growing priority among the firm’s clients. By aligning estate documents, trusts, beneficiary designations, and investment strategy, Croak Capital helps families prepare for transitions and reduce the risk of fragmented or improvised decision-making by heirs.

As a Registered Investment Advisor (RIA), Croak Capital operates under a legal fiduciary standard that requires full disclosure of conflicts of interest, client-first recommendations, and an ongoing duty of care and loyalty throughout the relationship. This stands in contrast to suitability-based models, where recommendations must be broadly “appropriate” but may still carry higher fees, embedded commissions, or firm-driven incentives.

“Many of our clients have already done the hard work of building their wealth,” said Croak. “They are looking for an advisory relationship that respects that effort — one that is transparent on fees, disciplined in execution, and coordinated with the professionals they already trust.”

About Croak Capital:
Croak Capital is an independent, fiduciary wealth management firm serving entrepreneurs, executives, and families with $2 million or more in investable assets. Based in Toledo, Ohio, the firm works with clients in Ann Arbor, across Michigan, and nationwide.

Croak Capital’s advisors provide fee-only, fiduciary advice with clear, transparent pricing, research-driven portfolio management with ongoing risk and tax oversight, coordination with clients’ CPAs, estate attorneys, and other professionals, and planning for business exits, equity compensation, sudden wealth, and multi-generational transitions.

For more information or to request a conversation, visit croakcapital.com, call (419) 464-7000, or email hello@croakcapital.com.

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For more information about Croak Capital, contact the company here:

Croak Capital
Elizabeth Elzey
elizabeth@croakcapital.com
432 N Superior St, Toledo, OH 43604

January 05, 2026 – PRESSADVANTAGE –

FaithTime has released its Bible Glossary, a comprehensive reference resource designed to help users understand important biblical terms and concepts with clarity and precision. The glossary addresses a common obstacle in Bible reading and study: encountering unfamiliar terminology, theological concepts, cultural references, and historical terms that interrupt comprehension and create barriers to meaningful Scripture engagement.

The Bible Glossary simplifies complex ideas into clear, accessible language while maintaining theological accuracy and biblical faithfulness. Each definition is crafted to provide genuine understanding rather than merely substituting one set of unfamiliar words for another, supporting readers in building biblical literacy that enables increasingly independent and confident Scripture engagement over time.

The glossary covers an extensive range of biblical terms explained including theological concepts such as justification, sanctification, redemption, atonement, covenant, and grace, historical and cultural terms like Pharisees, Sadducees, synagogue, temple, Sabbath, and Passover, Hebrew and Greek words frequently referenced in Bible study such as shalom, hesed, agape, and logos, biblical figures including prophets, apostles, patriarchs, and kings, geographical locations that provide context for biblical events, and doctrinal terminology that clarifies Christian beliefs and practices rooted in Scripture.

Each glossary entry provides more than a simple definition. Entries typically include a clear explanation of the term’s meaning in accessible language, relevant scripture definitions that show how the term appears in biblical context, connections to related concepts that help readers understand how ideas fit together within biblical theology, historical or cultural background when relevant, and practical significance that helps readers grasp why the term matters for faith and life.

FaithTime’s Bible Glossary serves multiple user groups within Christian community. Individual Bible readers use the glossary as a companion during personal Scripture reading, quickly looking up unfamiliar terms without interrupting their study flow. Bible study group participants benefit from having a shared reference resource that provides consistent definitions during discussions. Teachers and preachers use the glossary during sermon and lesson preparation to verify definitions and find clear language for explaining concepts to their audiences.

New believers find the glossary for Bible study particularly valuable as they encounter biblical language and concepts for the first time. The clear, jargon-free definitions help newcomers to faith build foundational biblical vocabulary without feeling overwhelmed by theological complexity. The glossary supports the discipleship process by removing language barriers to spiritual growth through accessible Christian terminology.

FaithTime designed the Bible Glossary with searchable functionality that allows users to quickly locate terms alphabetically or through search features. Users can find definitions in seconds, minimizing disruption to their reading or study flow while maximizing comprehension and learning. This Bible study reference tool functions as a practical companion rather than a cumbersome reference work.

The glossary recognizes that biblical terminology carries theological weight and historical significance that shapes how Christians understand Scripture and faith. By providing reliable, biblically-grounded definitions, the glossary helps users build theological understanding on solid foundations. The Bible Glossary continues to expand with additional terms and enhanced entries, ensuring it remains a comprehensive reference tool that addresses the full range of biblical vocabulary that readers encounter.

The launch of the Bible Glossary reflects FaithTime’s commitment to removing barriers to biblical understanding and making Bible term definitions accessible to all believers. By providing clear, accurate definitions for key biblical terminology, the glossary supports Christians in developing deeper comprehension of Scripture and greater confidence in their Bible reading and study.

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For more information about FaithTime, contact the company here:

FaithTime
Kyle
faithtime@metavibe.ai
Singapore

LEWISVILLE, TX – January 05, 2026 – PRESSADVANTAGE –

Lone Wolf Exteriors, a Dallas-Fort Worth-based exterior renovation specialist, has expanded its residential window and siding replacement services with enhanced financing programs designed to make home exterior improvements more accessible to Texas homeowners. The company now offers zero percent financing with no down payment options for qualifying projects throughout its service areas.

“The decision to expand our financing programs stems from recognizing that many homeowners need exterior improvements but have been delaying these essential upgrades due to upfront costs,” said a Customer Support representative at Lone Wolf Exteriors. “By removing immediate financial barriers, we enable more families to protect their homes with quality windows and siding while improving energy efficiency and curb appeal.”

The expansion addresses growing demand from homeowners seeking energy-efficient exterior upgrades amid rising energy costs and increasingly severe weather patterns affecting Texas communities. The enhanced financing options apply to all exterior renovation services, with particular emphasis on window replacement and siding installation projects in markets including Lewisville and surrounding North Texas communities.

The company specializes in installing Energy Star-rated Mezzo windows and Prodigy Insulated Siding, both manufactured by industry leader Alside. These products feature advanced insulation technology and weather-resistant materials engineered to withstand Texas climate conditions while delivering superior energy performance. The Prodigy Insulated Siding system incorporates high-density EPS rigid foam insulation with a secure interlocking panel design that creates a continuous thermal barrier around the home.

The window replacement services feature custom-crafted Mezzo windows that meet stringent Energy Star requirements and include a limited lifetime warranty. Available in various styles, including double-hung, bay and bow, and custom-shaped configurations, these windows accommodate any architectural design. All windows are manufactured in the United States and include ClimaTech insulated glass packages designed for ultra-efficient insulation performance.

As part of the service expansion, Lone Wolf Exteriors has introduced personalized consultation services where certified specialists work directly with homeowners to assess specific needs, architectural styles, and energy efficiency goals. These consultations help determine the most appropriate window and siding solutions for each property while maximizing available financing benefits.

For siding projects, the company offers both Prodigy Next Generation Insulated Siding and Cedargrain Vinyl Panels. These products provide all-weather protection and energy gap protection while requiring minimal maintenance compared to traditional materials. The siding systems feature nontoxic additives that discourage pest infiltration and fade-resistant finishes backed by extended warranties.

Lone Wolf Exteriors maintains full licensing and insurance coverage for all residential and commercial projects throughout Texas. The company has established partnerships with leading manufacturers in the building materials industry and has earned recognition for quality installation and customer service. Beyond window and siding services, the company also provides door replacement and roofing solutions for comprehensive exterior renovation needs.

Based in Dallas-Fort Worth, Lone Wolf Exteriors has been providing exterior renovation services throughout Texas for over ten years. The locally owned and operated company serves residential customers statewide and extends commercial services nationwide.

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For more information about Lone Wolf Exteriors, contact the company here:

Lone Wolf Exteriors
Customer Support
(855) 200-9653
support@lwexteriors.com
Lone Wolf Exteriors
4400 State Hwy 121 #300
Lewisville, TX 75056

Bozeman, Montana – January 05, 2026 – PRESSADVANTAGE –

Mountain Heating and Cooling, a family-owned HVAC company serving Bozeman and the Gallatin Valley since 1977, marks nearly five decades of adapting advanced heat pump technology for Montana’s extreme temperatures and high-elevation communities. The company’s evolution from Mountain Sheet Metal to a specialized cold-climate comfort solutions provider demonstrates the ongoing transformation of heating and cooling technology in challenging mountain environments.

The Bozeman-based company has witnessed significant advances in cold-climate heat pump efficiency over its 47-year history, particularly in ductless systems that now perform reliably even in sub-zero temperatures. As a Mitsubishi Diamond Contractor and Trane Comfort Specialist, the company has positioned itself at the forefront of energy-efficient heating solutions suitable for Montana’s demanding climate conditions.

“When my parents founded this company in 1977, heat pumps were considered unsuitable for Montana winters,” said Corey Johnson, owner of Mountain Heating and Cooling. “Today’s cold-climate heat pump technology represents a complete paradigm shift, delivering efficient heating even when temperatures drop well below zero. Our role has evolved from simply installing equipment to educating homeowners about these advanced systems that can reduce energy consumption while maintaining comfort in extreme conditions.”

The transition to second-generation family ownership under Johnson has coincided with increased demand for ductless heat pump systems throughout southwest Montana. These systems offer zone-specific temperature control and eliminate the energy losses associated with traditional ductwork, making them particularly valuable for homes in high-elevation areas where heating efficiency directly impacts both comfort and operating costs.

Mountain Heating and Cooling maintains certification as both a Mitsubishi Diamond Contractor and Trane Comfort Specialist, designations that require ongoing technical training and demonstrated installation expertise. The company’s technicians hold NATE certification, the industry’s leading technical certification program for HVAC professionals. This technical proficiency has become increasingly important as heat pump technology continues to advance, with newer models incorporating variable-speed compressors and advanced refrigerants designed specifically for cold-climate operation.

The company’s service area encompasses Gallatin County and surrounding communities, where elevation ranges from 4,000 to over 9,000 feet create unique heating and cooling challenges. Traditional HVAC systems often struggle with the thin air and temperature extremes characteristic of Montana’s mountain regions, making specialized expertise essential for proper system selection and installation.

Recent industry data indicates that cold-climate heat pump installations have increased by over 40 percent in northern states over the past five years, driven by improvements in efficiency ratings and operating temperature ranges. This trend aligns with Mountain Heating and Cooling’s experience in the Bozeman market, where homeowners increasingly seek alternatives to traditional furnace systems.

Mountain Heating and Cooling provides comprehensive HVAC services including installation, repair, and maintenance for all major equipment brands. The company specializes in air conditioners, furnaces, heat pumps, ductless systems, air purification equipment, and humidity control solutions. As an authorized dealer for both Mitsubishi and Trane, the company offers equipment warranties backed by manufacturer support and maintains inventory suitable for Montana’s specific climate requirements.

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For more information about Mountain Heating and Cooling, contact the company here:

Mountain Heating and Cooling
Corey Johnson
(406) 586-4007
coreyj@mountainheating.com
6693 Lynx Ln.
Bozeman, MT 59718

KANKAKEE, IL – January 05, 2026 – PRESSADVANTAGE –

Goodberlet Home Services announced the launch of its 2026 furnace maintenance programs, introducing a structured preventative service option for residential customers across the Chicagoland area. The programs are now available and are intended to support consistent furnace performance through scheduled inspections and routine maintenance.

The 2026 furnace maintenance programs were developed to give homeowners a more predictable approach to caring for their heating systems ahead of peak winter demand. According to the company, the programs establish defined service intervals and maintenance standards designed to identify potential issues early and reduce the likelihood of unexpected system failures during colder months.

“These programs are focused on preparation and reliability,” said Rick Jensen, who is authorized to speak on behalf of Goodberlet Home Services. “By setting clear expectations around maintenance and timing, we’re helping homeowners take a proactive approach to furnace care rather than reacting to problems after they occur.”

Goodberlet Home Services has provided HVAC, plumbing, and electrical services for more than four decades, serving residential and commercial customers throughout its service areas. The new furnace maintenance programs build on the company’s existing heating services by offering an organized framework for ongoing system care. The company stated that the programs are designed to complement, not replace, one-time service calls and emergency repairs.

Under the 2026 maintenance framework, participating households receive scheduled furnace evaluations conducted by licensed technicians. These visits focus on assessing system condition, verifying safe operation, and identifying components that may require attention before the heating season intensifies. Service scope may vary depending on system age and configuration, but the emphasis remains on preventative maintenance.

The introduction of the programs also supports internal planning for Goodberlet Home Services. By grouping maintenance visits within defined schedules, the company aims to improve technician availability and service consistency during high-demand periods. Jensen noted that this structure benefits both customers and service teams by reducing last-minute scheduling challenges.

“Regular maintenance works best when it’s planned,” Jensen said. “This approach allows our technicians to be thorough and gives homeowners confidence that their systems are being checked at the right times.”

The company indicated that the 2026 programs were developed in response to recurring customer interest in ongoing maintenance arrangements. Many homeowners, according to Goodberlet Home Services, prefer scheduled service that helps them avoid emergency situations rather than relying solely on reactive repairs.

Participation in the furnace maintenance programs is optional, and homeowners may continue to request individual service visits as needed. Emergency repair services will remain available regardless of program enrollment. The company emphasized that the new offerings are intended to expand customer options rather than limit access to existing services.

Throughout 2026, Goodberlet Home Services plans to review program performance and customer feedback to determine potential refinements in future years. Adjustments to scheduling, service scope, or administration may be introduced as homeowner needs and heating technologies evolve.

Home heating systems remain a critical concern for households in northern climates, where prolonged cold weather places consistent demands on furnaces. Goodberlet Home Services stated that the new maintenance programs are designed to address those conditions by encouraging early preparation and regular system evaluation.

The 2026 furnace maintenance programs are now available to eligible homeowners throughout the Chicagoland area, subject to system compatibility and service availability.

For more information about Goodberlet Home Services and its furnace maintenance programs, visit Goodberlet Home Services or learn more about current service options.

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For more information about Goodberlet Home Services, contact the company here:

Goodberlet Home Services
Rick Jensen
815-937-0189
info@goodberletheating.com
255 E Brookmont Blvd, Kankakee, IL 60901