Terry Wheeler

Hello there! I’m Andrew, Founder and Owner of Lever Wealth Management. I am a Chartered Financial Analyst Charterholder and Certified Financial Planner Professional who spent the last decade performing complex wealth and retirement planning for Ultra High Net Worth Families, and personally managed their investments. Prior to that, I was a bank examiner for the Office of the Comptroller of the Currency, regulating Nationally Chartered Banks. Dream job, right? Well, over the years I have become let down with the incentive structures of the vast majority of financial services firms. It is hard to truly work deeply with your clients and focus on adding value to their life when incentives are focused on product sales and asset growth. I don’t know about you, but I tend to see most financial advisors trying to continually gather more and more assets (to the detriment of their current clients), advising only on what they personally manage rather than all assets (to the detriment of their current clients), and making big fancy promises to those new clients (to the detriment of their current clients). These create significant conflicts of interest and started to dishearten me. So, I decided to make a change and be a solution for those who are looking to live their life freely and make an impact on others. I have been married to my amazing wife Kerra for ten years, and we have two children Eli (4) and Amelia (1). We particularly enjoy traveling as a family to France and Hawaii, and are dedicated to our local church Encounter. Finally, I fell in love with Brazilian Jiu Jitsu many years ago, and am a purple belt that competes from time to time. Hope to talk soon.

Kyle Leffel is a Financial Advisor with Merrill Lynch Wealth Management and serves as a Team Financial Advisor at NSA. He joined the NSA team in April 2025 and focuses on business development and financial planning. Kyle holds FINRA Series 7 and 66 registrations, as well as the Personal Investment Advisor (PIA) designation. Kyle graduated from the University of Southern Indiana with a bachelor's degree in Economics and Finance. Before joining Merrill Lynch, he worked in sales for a local oil and gas distributor. His expertise includes retirement planning, portfolio management, risk assessment, tax-efficient investing, and portfolio optimization. Kyle emphasizes a personalized approach to wealth management by listening closely to clients’ goals, values, and concerns to develop strategies tailored to their long-term objectives. Outside of his professional work, Kyle has been involved in leading a local college Christian ministry for nine years in Indianapolis and Bloomington. He and his family currently reside in Evansville. Kyle is married and has five sons. In his free time, he spends time with family, participates in church activities, and follows Notre Dame football.

Nicholas Gartner is a Financial Advisor with Merrill Lynch Wealth Management in Evansville, Indiana. He joined Merrill in 2022 and is part of a team of Financial Advisors who provide clients with a comprehensive service experience. Nicholas brings experience from his previous roles as a practicing attorney in the Trust and Estate area and his work in a national bank trust department. He focuses on areas including Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Legacy Planning, Personal Retirement Planning, Philanthropic Planning, Small Business Strategies, Tax Minimization, and Retirement Income. Nicholas earned a Bachelor of Arts degree in History with a minor in Business from Indiana University in 2013 and subsequently received his Doctor of Jurisprudence degree from the same institution in 2017. He holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He is a member of the American Bar Association, Indiana Bar Association, and Vanderburgh County Bar Association. Nicholas is originally from Vincennes, Indiana. Outside of his professional duties, Nicholas serves on the Evansville Philharmonic Orchestra Board. He also enjoys golf, tennis, and traveling. Nicholas speaks both English and Spanish. He does not provide legal advice in his current role with Merrill.