OUR TEAM

Our History

It all began in January 1986 when...

Susan A. Foster went to work for Roush’s Accounting & Tax Service; within a month she was a partner with Bill Roush. Bill worked as a prison guard in Ionia 3rd shift and then did taxes out of an office located in Hastings, MI. She and Bill opened their 2nd office at 111 Broadway, Middleville, MI on July 5, 1988 where local resident Robert Welton was her first client. They incorporated their business in January 1990. In 1992 Susan became licensed with Money Concepts to be able to serve her tax clients as she saw their needs for retirement plans and insurance. In 1993 Susan and Bill built a new office at 100 Broadway and the other building was demolished. After the 1993 tax season, Bill Roush decided to retire from both the prison and doing taxes to deliver motor homes across the country so that he could see the states. Susan bought him out and had to rename the business and after a lot of thought chose Thornapple Financial Center Inc. She also decided that she just wanted to run one office, so she closed the Hastings office, but due to the prescheduling of appointments was able to keep 97% of both the Middleville and Hastings clientele. Clients could no longer write their checks to “RATS”, which was most of their sentiments toward taxes, but they could have all their financial needs taken care of in one location. 


In 2003 John Anderson came to join ranks with Susan working part-time in Middleville and part-time running MTC Business Services out of Rockford. When Susan first moved into the new building at 100 Broadway, she called it the Taj Mahal because of all the space that they had there. In 2007 it became apparent that the business needed a new location to continue to grow, so on August 26, 2007 they had their grand opening at their new location at 4695 N Middleville Rd. where the business operated for 7 years. In 2008 Susan and John became Co-Regional Directors with Money Concepts for the state of Michigan before moving to their current location. John and Susan had purchased the building where their offices are currently located as a rental in January 2013. In the fall of 2013, David Foster joined the business full-time where he oversees the office during tax season and is a year-round financial planner and wealth manager. In the fall of 2014, we moved to our current location after turning the spaces into the beautiful offices that we currently enjoy. 


So, it began 37 years ago, and we are still servicing the community doing taxes and accounting. We have been doing financial planning for 31 years, with a company that just celebrated its 44th anniversary. And to think that 42 years ago when Ken Foster said to Susan as they drove through Middleville to go to his parents “Someday we are going to live here.” And her response, “Over my dead body”. Susan loves Middleville and the surrounding communities. And in case you were wondering she still is doing taxes for some of those clients that she started with in 1986. 

Our Team

susan-foster

Susan A. Foster

Owner & President, Thornapple Financial Center
Co-Regional Director of Money Concepts for Michigan
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Susan A. Foster is owner and president of Thornapple Financial Center, as well as Co-Regional Director for the state of Michigan for Money Concepts. She has been doing business in Middleville since 1986. She is an Enrolled Agent (EA) and a member of NATP. Susan is a tax preparer, accountant and a financial planner. She has spent over 25 years helping people focus on their financial “picture”. She has a passion for helping people attain their financial goals working with them to maintain their financial independence throughout their retirement journey. Susan has been married to Ken since 1980. They have 4 children who have all graduated from TKHS. Her family now includes 2 sons-in-law, a daughter-in-law and 4 grandchildren. Susan loves the Lord, her family, and her work. Susan is very excited that her son, David, has joined her in the business and that they are able to service their clients as a team. Whether it is financial or accounting services you require, it is her goal that our team provides you with outstanding customer service. To learn more about Susan’s work with Money Concepts, please visit her website at www.moneyconcepts.com/sfoster .

tfcenter@charter.net sfoster@moneyconcepts.com

john-anderson

John C. Anderson

Partner, Thornapple Financial Center
Owner & President of MTC Business Services, Inc.
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John C. Anderson has been a small business owner for over 35 years. He is owner and president of MTC Business Services, Inc., as well as a partner here at Thornapple Financial Center. John has been a tax preparer since 1971. In 1995 he received his Bachelor of Science Degree from Davenport University, with a major in accounting. John does accounting for businesses, as well as tax preparation for businesses, trusts, and individual returns. In 1991, John became a Registered Representative with Money Concepts Capital Corporation as an independent broker. He felt that financial planning was an important part of is client's overall financial health. John believes every client's situation is different and since he is independent, he can offer his clients a wide range of products--not just a "one size fits all" answer. John is active in his church and with various projects. He is married to his wife, Sue; they have one daughter and one grandchild. John plays golf, and he and Sue love to travel and spend time with their family. John's Money Concepts website is located at www.moneyconcepts.com/janderson.
michtaxman@charter.net janderson@moneyconcepts.com

david-foster

David A. Foster

Independent Financial Architect
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David Foster joined the Thornapple Financial Center team in 2013 recently after he received his bachelors from Grand Valley State University. David is a native of Middleville and enjoys working in the community he grew up in. David focuses his time on income planning for families that are transitioning into retirement as well as asset planning for young families as they save for retirement. In his free time, David enjoys being in the outdoors and going on adventures with his wife.
dfoster@tfcenter.net dfoster@moneyconcepts.com

kris-foote

Kris Foote

Tax Preparer & Administrative Assistant
Kris Foote has been part of the office since 1997. During tax season she is a tax preparer and says the best part of that job is meeting with her incredible clients. When it's not tax season she is the administrative assistant to Co-Regional Director, John Anderson and also works closely with the financial advisors throughout the state of Michigan. Kris keeps up to date with technology and compliance by attending yearly conferences and training. Kris is married and has 4 children all of whom graduated from Thornapple Kellogg Schools. She is also a very proud grandma. 
kfoote@tfcenter.net kfoote@moneyconcepts.com

renee-baareman

Renee Baareman

Office Manager & Administrative Assistant
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Renee Baareman joined the TFC and Money Concepts team in December 2011. Renee is the Office Manager and Susan Foster’s Administrative Assistant, aka her right-hand woman. She attends marketing and compliance meetings annually to stay current with the ever-changing financial industry landscape. She is always working to help the office operate more efficiently. Renee excels at customer service as many of you know who have worked with her. Her artistic ability, creativeness, and inspiration is on display around the office and evidenced at our events. Renee grew up in the Wayland area and has been married to Tony since 1990. She is very active with her family, friends, church and community. Renee enjoys traveling and seeking out new experiences in and around Michigan. Renee says that she “loves her job”. Renee is also a Michigan Notary Public.
rbaareman@tfcenter.net rbaareman@moneyconcepts.com

kris-foote

Vanessa Veld

Accountant

Vanessa Veld joined the Thornapple Financial Center team in May of 2021. Vanessa is an accountant – specializing in payroll – and is currently working towards her bachelor’s degree in Accounting at Davenport University. She is a graduate of Hopkins High School. During the winter months, Vanessa spends her time at her family cabin snowmobiling while during the summer, she competes in various cattle shows across the state of Michigan. She enjoys the time she gets to spend with her family and friends during these events.

vveld@tfcenter.net

tony-baareman

Tony Baareman

IT Manager

Tony Baareman joined the team in July 2021. Tony came onboard as the IT Manager. His many years of experience in all things IT keeps the office technology running smoothly, along with assisting with recruiting and social media. He is always looking for ways to improve our processes to increase efficiency. During tax season he helps with processing tax returns and pitching in wherever needed. In his spare time, Tony enjoys traveling, cruising around in his classic car, and just about any adventure he and his wife Renee can find.

tbaareman@tfcenter.net tbaareman@moneyconcepts.com

lori-hoogewind

Lori Hoogewind

Receptionist

Lori Hoogewind was invited to the team in 2022 and is the point person when you call or visit our office. Creating an organized, productive office setting for the team’s daily success is most important to her. From spending a great portion of her career caring for others, Lori brings a sincere, positive element when connecting you with the team. She and her husband Gary married in 1984 and have raised their daughter in a neighborhood of Wyoming. Lori has been an active member at her church for more than 27 years and takes great pride connecting with people weekly and through events. You’ll find Lori traveling both local and afar – and always enjoying a stop at a good antique shop!

lhoogewind@tfcenter.net lhoogewind@moneyconcepts.com
We are respectful
We have fun
We love what we do
We work hard and smart
We do great things
We communicate and listen
We are helpful
We stay positive
We strive for excellence
- We are a TEAM -
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