David Smith is a financial advisor at Impassioned Wealth Management Ltd with 18 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Rooted Advisors from 2019 to 2021. Smith has led Impassioned Wealth Management Ltd (formerly Smith Investment Management) since 2006. Impassioned Wealth Management Ltd serves individuals, including high-net-worth clients, as well as corporate pension and profit-sharing plans, charitable institutions, and foundations. The firm provides portfolio management and modular financial planning focused on long-term retirement goals, utilizing a plan-driven, behaviorally focused investment approach with direct indexing and allocation strategies that incorporate physical bullion and active management of held-away retirement accounts.

I specialize in helping Christians with their money so they can focus on glorifying God and enjoying Him forever instead of retiring to a life of ease. I believe that retirement for Christians is different. Retirement income planning, investing, legacy planning, and tax planning are all part of stewarding what God has given us well. I work to help people live, give, and grow with their money by providing financial planning services that aim to maximize retirement income, reduce lifetime taxes, and plan for a life of joyful service to Christ and His church.

Noah Buttermore is a financial advisor at Demland Wealth LLC with two years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Fidelity Investments. Demland Wealth LLC is an independent advisory firm providing investment management and comprehensive financial planning to individuals, high-net-worth clients, charitable organizations, and businesses. The firm utilizes a combination of strategic asset allocation and tactical adjustments, employing both active and passive investment vehicles to create diversified portfolios tailored to client goals.

Kyler Baird is a financial advisor with NorthFort Financial, LLC, holding a Series 65 credential and beginning his industry experience in 2024. Prior to joining NorthFort, he worked at several firms including Manz Accounting and Insurance, Briskey Financial Services, LLC, and Oak Partners, Inc. Outside of his advisory role, Baird owns and operates Baird's Local Honey, an agricultural business focused on beekeeping and honey products. NorthFort Financial provides discretionary portfolio management, financial planning, and tax preparation primarily to individuals and families with non–high-net-worth profiles. The firm manages approximately $108–118 million in assets and employs growth and income strategies using a combination of charting, fundamental, and technical analysis.

Caleb Frankart is a financial advisor at Blue Jay Financial Group, LLC with 13 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Key Investment Services LLC for five years. Caleb serves on the Synod Endowment Investment Committee of the Reformed Church in the United States, overseeing the church’s endowment fund investments. Blue Jay Financial Group provides investment management, comprehensive financial planning, and consulting services to individual clients and employer-sponsored retirement plans. The firm manages discretionary and non-discretionary accounts and offers personal tax return preparation and consulting for private businesses, using a mix of fundamental, tactical, technical, thematic, and top-down analysis tailored to client objectives and risk tolerance.

Jason Bernal is a CFP® professional with 16 years of experience in financial advising. He has worked at Blue Jay Financial Group, LLC since 2018 and previously at Cetera Advisors LLC from 2015 to 2018. Outside of his advisory role, Bernal serves as a Boy Scout Troop Leader for Troop 76 in Defiance, OH. Blue Jay Financial Group offers investment management, comprehensive financial planning, and consulting services to individual clients and employer-sponsored retirement plans. The firm also provides personal tax return preparation and consulting for private businesses, managing both discretionary and non-discretionary accounts with a focus on tailored investment strategies using mutual funds and ETFs.

Michael Willitzer is a financial advisor at Blue Jay Financial Group, LLC in Defiance, Ohio. He holds a Series 65 designation and has been with Blue Jay Financial Group since 2023. Prior to his current role, he worked at Grube Inc and has experience in various other industries including education and retail. Blue Jay Financial Group provides investment management, comprehensive financial planning, and consulting services to individual clients and employer-sponsored retirement plans. The firm manages discretionary and non-discretionary accounts, offers personal tax return preparation, and utilizes a mix of fundamental, tactical, technical, thematic, and top-down analysis to tailor portfolios to client needs.

Stefan Faerber is a financial advisor with On Investment Management Company, holding a Series 63 designation and six years of industry experience. He has worked at The O.N. Equity Sales Company since 2019 and is also involved with Ohio National Financial Services and Meyer-Badenhop Insurance Agency, where he serves as vice president and secretary. Outside of his advisory work, he and his wife engage in house flipping as a hobby. On Investment Management Company provides financial planning and investment advisory services to a diverse client base, including individual investors, charitable organizations, businesses, and retirement plan sponsors. The firm offers a variety of fee-based financial planning options, third-party investment programs, and both discretionary and non-discretionary managed account solutions.

Corina Kempe is a financial advisor at Trek Financial with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Cetera Investment Advisors, The State Bank and Trust Company, BCJ Capital Management, Detray Investment Group, and Defiance College. Outside of her advisory role, she is involved with Zonta Women's International, supporting women and children through philanthropic activities. Trek Financial serves a diverse client base including individuals, pension and profit-sharing trusts, foundations, and institutional clients. The firm combines strategic ETF-based allocations with rules-based tactical models and quantitative methods, offering discretionary asset management, financial planning, and tax-aware direct indexing strategies.

Steven Small is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He has been with LPL Financial since 2003 and has also worked with Independent Financial Partners and Independent Advisor Alliance. Small is involved in offering fixed annuities and life insurance products through regional carriers. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm supports its advisors with in-house research and a variety of investment delivery options, ranging from financial planning to model-portfolio and third-party asset management programs.

Bradley Meister is a CFP® and ChFC® with 41 years of industry experience. He has been with Kovack Advisors, Inc. since 2008. Outside of his advisory role, he serves on the Washington Township Zoning Board in Liberty Center, Ohio. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base including individuals, corporations, pension plans, and banking institutions through a nationwide network. The firm’s investment approach focuses on diversified asset-class exposure primarily through mutual funds and ETFs, with additional options tailored to client objectives.

Jacob Spieth is a Series 66-registered financial advisor at Kovack Advisors, Inc. with approximately one year of experience in the industry. His prior roles include positions at Meister & Associates, Northwestern Mutual, and Leaf Home, among others. He has also been involved with Bowling Green State University and operated a power washing business. Kovack Advisors, Inc. is an SEC-registered multi-team advisory firm with around 258 advisors and $6.28 billion in assets under management. The firm serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, utilizing a technology-driven investment process with multiple implementation options and affiliated entities.

Jordan Braun is a financial advisor with Independent Advisor Alliance, LLC, holding a Series 66 credential and seven years of industry experience. His prior roles include positions at LPL Financial, MassMutual Life Insurance, and Northwest Capital Financial. Outside of his advisory work, he is the owner of Ohana Photography, LLC. Independent Advisor Alliance, LLC is an SEC-registered enterprise RIA serving individuals, small businesses, retirement plans, charities, and estates. The firm provides asset management, financial planning, retirement consulting, and access to third-party managers through a network of 219 advisors using a combination of discretionary and non-discretionary authority.

Deborah Detray is a financial advisor at Trek Financial with Series 63 and Series 65 licenses and 31 years of industry experience. She has held roles at Horter Investment Management and has led her own firm, DeTray Investment Group, since 2000. Outside of financial advising, she serves as an accountant for DeTray Chiropractic Center and is the treasurer for First Church of God in Defiance, Ohio. Trek Financial provides advisory services to a diverse client base, including individuals, institutional clients, and retirement plans, utilizing a combination of strategic ETF allocations and rules-based tactical models. The firm offers a range of services such as discretionary asset management, financial planning, tax-aware direct indexing, and options-based risk management strategies.

Brian Tussing is a financial advisor at WesBanco Securities, Inc. with 14 years of industry experience. He holds a Series 63 designation and has previously worked at LPL Financial, Premier Bank, and Money Concepts Capital Corp. Outside of his advisory role, he is involved in real estate rental activities. WesBanco Securities, Inc. provides investment advice and portfolio management to individuals, corporations, trusts, estates, and retirement plans, managing approximately $166 million in assets. The firm offers a range of wrap-fee portfolio management programs and access to third-party managed solutions, using a mix of analytical methods and strategies, including tax-aware and ESG model choices.

Ryan Mc Cracken is a financial advisor at &Partners with one year of industry experience. He holds a Series 66 designation and previously worked at One Resource Group and Lee Kinstle Sale & Service. Ryan serves as a board member of the Van Wert YMCA, where he is involved in supporting youth programs and promoting the organization’s initiatives. &Partners serves a diverse client base including individuals, retirement plans, charitable organizations, and private business owners. The firm offers a broad range of services such as portfolio management, financial and tax planning, and retirement plan education, combining proprietary and third-party strategy models with both discretionary and non-discretionary management options.

Trent Diamond is a financial advisor at The Huntington Investment Company with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Huntington since 2011, including a brief tenure at Huntington National Bank in 2016. The Huntington Investment Company serves individual, charitable, corporate, and retirement clients through advisory and wrap-fee programs. The firm offers an open-architecture, model-driven platform combining third-party and proprietary models, and it provides specialized services such as tax management and impact/ESG overlays.

Gabriel Pollock is a financial advisor at &Partners with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Edward Jones, Fsc, and OSAIC. Outside of his advisory role, he serves as a parish council board member for St. Augustine Catholic Church, a board member of the Napoleon City Preservation Committee, and treasurer of the Liberty Center Education Foundation. &Partners serves a diverse client base including individuals, retirement plans, charitable organizations, and private business owners, offering services such as portfolio management, financial and tax planning, and estate and trust consulting. The firm combines platform technology with proprietary and third-party strategy models, providing both discretionary and non-discretionary management tailored to client needs.

Gavin Cross is a financial advisor at &PARTNERS with a Series 66 designation and no prior industry experience. Before joining &PARTNERS in 2025, he worked at National Door & Trim and CaroTrans. &PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, and private business owners. The firm offers a range of services such as portfolio management, financial and tax planning, and retirement plan education, utilizing both proprietary and third-party strategy models with discretionary and non-discretionary management options.

Howard Arend is a CFP® and ChFC® with 26 years of industry experience. He is currently with Private Advisor Group, LLC and LPL Financial, LLC, having previously worked at Northwestern Mutual in various capacities from 1997 to 2022. Outside of his advisory work, he is involved with Inspired Ink, LLC, a non-investment-related business. Private Advisor Group, LLC manages over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and retirement plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing a range of investment strategies and coordinating services through multiple custodians.

Zachary Miller is a financial advisor with Fifth Third Securities, Inc. He holds Series 63 and Series 65 credentials and has 17 years of industry experience. Prior to joining Fifth Third Securities and Fifth Third Bank in 2018, he worked at The Huntington Investment Company and Huntington National Bank from 2009 to 2018. Outside of his advisory role, Miller serves as a baseball coach at Elida High School. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm combines its municipal-advisor registration with its affiliation to Fifth Third Bank, providing a range of discretionary managed-account programs and unique platform features such as direct indexing and optional tax-overlay services.

Michael Schumaker is a CFP®-certified financial advisor with Edward Jones, based in Napoleon, OH, and has 10 years of industry experience. He has previously worked at First Federal Bank of the Midwest and Money Concepts Capital Corp. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and is known for its extensive network of financial advisors and branch offices, offering a range of advisory programs under a fiduciary standard.

Blake Sizemore is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2009, totaling 16 years of industry experience. He holds the Series 66 license and operates out of Napoleon, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

Pamela Cao is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and four years of industry experience. She has worked at firms including LPL Financial and Fidelity Investments prior to joining Thrivent. Outside of her advisory role, she manages a rental property in Jacksonville, Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning that covers a wide range of topics and can be combined with managed-account programs under a consolidated billing option called “WealthPlan.”

Matthew Crandall is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 registrations and bringing 17 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm delivers goal-based, holistic planning across a wide range of topics, offering clients the option to combine planning with managed-account services under a consolidated billing program called WealthPlan.

Marcia Gobrogge is a Series 66-licensed financial advisor with Thrivent Investment Management, where she has worked since 2007. She has 18 years of industry experience. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based analyses and written recommendations across various planning topics, with clients able to combine planning and managed-account services under a consolidated billing option called “WealthPlan.”

Christopher Ridley is a Series 66 licensed advisor at Thrivent Investment Management with two years of industry experience. He previously operated The RIDGE Project for 16 years. Ridley is also the owner and operator of The Ridley Company, LLC, a real estate investment business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and broad financial planning topics without managing client portfolios directly.

Stephen Kryder is a financial advisor at LPL Enterprise with 37 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, Kryder is the owner of Spring Hill Farms and serves as chairman of the Henry County Board of Elections. LPL Enterprise provides advisory services through a large network of investment adviser representatives to a diverse client base, including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model wealth portfolios, and third-party asset management programs, with clients typically receiving advice based on model portfolios and discretionary implementation through affiliated programs.

Matthew Schmenk is a financial advisor at Edward Jones in Defiance, OH, holding a Series 63 designation with 20 years of industry experience. He has been with Edward Jones since 2005. Outside of advising, he owns commercial property businesses involved in building rental and development. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and corporate investors. The firm manages approximately $1.01 trillion in assets with a broad network of advisors and offers a range of investment strategies as well as affiliated mutual funds and tax-efficient services.

Suellen Weidenhamer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Maureen Killion is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. She has worked at multiple affiliated firms since 2016, including State Bank and Trust Company and SB Investments and Insurance. Outside of her advisory role, she serves on the marketing and retention committee for the Defiance Economic Development Chamber of Commerce, where she helps plan events and provides guidance to young workforce members. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement capabilities with a broad trust and institutional platform.

David Crandall is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He has been with Thrivent Investment Management and its predecessor, Thrivent Financial for Lutherans, since 2002. Outside of his advisory role, he manages DCCRAN, LLC, which maintains office property used for Thrivent-related business and supports community activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm offers goal-based, holistic planning covering topics such as retirement, income tax, and estate planning, without providing portfolio management or discretionary trading authority.

Nicholas Buckland is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. He has worked at Edward Jones since 2022, with prior roles including positions at the University of Toledo and Concrete Couple. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Philip Recker is a financial advisor with Edward Jones in Paulding, Ohio, holding a Series 63 designation and 19 years of industry experience. He has been with Edward Jones since 2006. Outside of his advisory role, he is involved in operating a family farm that cultivates corn, beans, and wheat. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and operates a large national network of advisors and branch offices.

Jeremy Otte is a Series 66-licensed financial advisor with Edward Jones in Defiance, Ohio. He has eight years of industry experience, including three years with The RIDGE Project before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated services.

Christopher Johnson is a financial advisor with Osaic Wealth, Inc., holding a Series 66 designation and bringing 22 years of industry experience. He previously worked at FSC Securities Corporation for 19 years before joining Osaic in 2023. Outside of his advisory role, he serves on the board of directors of the Kiwanis Club of Paulding. Osaic Wealth, Inc. is a large SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and employs a technology-driven investment process incorporating risk tolerance assessments, asset allocation software, and portfolio optimization tools.

Terry Herman is a CFP® and holds a Series 66 designation with 19 years of industry experience. He has been with Edward Jones since 2006. Outside of his advisory role, he is involved in managing rental properties in Napoleon, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Kenneth Boroff is a CFP® professional with 25 years of experience at Cetera and its related entities. He is also a partner at Steyer & Co., a CPA firm where he has worked since 1991. Boroff serves as a trustee on the board of ProMedica Defiance Regional Hospital and manages an online retail and vacation property rental business through 2KB LLC. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services supported by multiple program structures and model portfolios.

David Kryder is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 20 years of industry experience. His career includes roles at Prudential Insurance Company of America and PRUCO Securities, LLC. He serves on the boards of the Napoleon Public Library Foundation and Northwest State Community College Foundation and volunteers with the Napoleon Rotary Club. LPL Enterprise provides advisory services through a broad network of investment adviser representatives to individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model wealth portfolios, and third-party asset management programs, combining advisory and brokerage services.

Amanda Wheeler is a financial advisor with Cetera who holds a Series 66 designation and has 16 years of industry experience. She has worked with several firms, including Summit Financial Group and Baumgartner Financial Services, where she is also president and owner. Wheeler operates her own investment and retirement planning business. Cetera Investment Advisers serves individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of services including portfolio management, financial planning, fiduciary solutions, and access to third-party managers, combining retirement and fiduciary capabilities with a broad institutional platform.

Jason Maassel is a financial advisor with Raymond James Financial Services Advisors, Inc. in Napoleon, Ohio, holding a Series 63 license and 22 years of industry experience. He previously worked at LPL Financial before joining Raymond James in 2016. Outside of his advisory role, Maassel is a partner in a family farm business and serves on the advisory board for Napoleon Area City Schools. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored recommendations and a substantial advisory business conducted on a non-discretionary basis.

Bradley Musshel is a financial advisor at Thrivent Investment Management with seven years of industry experience. He holds Series 63 and Series 66 licenses and has been with Thrivent since 2018. Musshel previously served in the Ohio Air National Guard for 24 years. Outside of his advisory role, he is the president of Henry County Pheasants Forever, a nonprofit focused on habitat preservation and youth education in gun safety. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning across various areas such as retirement and estate planning, but does not include implementation or discretionary portfolio management in these services.

Robert Hanson is a financial advisor with Wells Fargo Clearing in Defiance, Ohio, holding a Series 66 designation and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of investment services including policy statement preparation, investment recommendations, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment options that include insurance-related vehicles and bank deposit sweep alternatives.

Logan Wolfrum is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2021, he worked at The State Bank and Trust Company for six years. Outside of his advisory role, he serves as a high school basketball coach for Ayersville Local Schools and is a finance committee member for the United Way of Defiance County. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Kara Price is a financial advisor with Edward Jones in Defiance, Ohio, holding a Series 66 license and 15 years of industry experience. She previously worked at Edward Jones from 2009 to 2024 before resuming her role there in 2024. Outside of her advisory work, she owns Price's Farm Stand, where she raises chickens for eggs and sells maple syrup from her family's production, and occasionally assists with catering at Northwest State Community College. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including wrap fee programs and separately managed accounts, and is notable for its large network of advisors and branches as well as affiliated financial services beyond traditional advisory offerings.

Roberto Deleon is a financial advisor with Wells Fargo Clearing in Defiance, Ohio, holding Series 63 and Series 65 licenses and possessing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory options. The firm’s approach is IPS-driven and grounded in modern portfolio theory, including a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Heather Allman is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has 17 years of industry experience. Prior to joining Raymond James in 2018, she worked at Edward Jones for 10 years. Outside of her advisory role, she is the owner of Allman Enterprises LLC, a support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and governmental entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation analysis, firm research, and a variety of implementation pathways.