Kyle Leffel

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.

Terry Wheeler is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he plays a key role in providing personalized wealth management strategies tailored to clients' individual goals. With over 25 years of experience in financial services, Terry brings a depth of expertise in areas including family wealth management, legacy planning, retirement income strategy, portfolio management, and tax minimization. He serves as a relationship manager and works closely with a multigenerational team to address complex client needs related to wealth preservation and transfer. Prior to joining Merrill in 2014, Terry founded Wheeler Financial Services, LLC, and held positions at NatCity Investments, Independence Financial Services, and Fifth Third Securities. He collaborates with colleagues to deliver comprehensive financial advice combining Merrill's investment insights and Bank of America’s banking and lending solutions. Terry holds a Bachelor's Degree from the University of Southern Indiana and has earned a Personal Investment Advisor (PIA) designation. In addition to his professional work, Terry is involved in his community through volunteering and is a member of the Evansville Christian Life Center. Outside of work, he enjoys biking, boating, bowling, cooking, fishing, golfing, hunting, and spending time with his family. His approach to financial advising is shaped by personal experiences that continue to influence his commitment to helping clients achieve their long-term financial objectives.

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.