Heather Ince

I am a CFP® Professional, an IRS Enrolled Agent, and have a bachelor’s degree in Finance from Missouri State University (Go Bears!). Since entering the financial planning profession in 2021, I’ve worked with hundreds of clients at both small and large wealth management firms. During my time at those firms, I learned that my favorite clients to work with tended to be “regular folks”, or people just like me who were diligent savers, enjoyed things like traveling and family time, and wanted transparent guidance when it came to financial decisions. I started Vance Financial Planning to help these folks with questions like: - Am I in a good position to retire in 5 years? - What changes should I be making now to prepare for my retirement transition? - Do increased Medicare premiums (IRMAA) matter in my retirement plan? - Are my investments allocated tax efficiently for my situation? - How do I take income from my accounts when I’m retired? If you’d like to learn more about my services, I invite you to visit my website to see if we might be a good fit.

Shelley Marshall is the Senior Resident Director and a Wealth Management Advisor at Merrill Lynch Wealth Management in Springfield, Missouri. She joined the firm and the PBM Group in 2015 and draws on more than 20 years of experience in the financial industry. In her role, Shelley takes a holistic approach to wealth management, assisting clients with a wide range of services to help them pursue their specific financial goals. She emphasizes careful listening and encourages clients to fully express their needs, enabling the creation and ongoing development of goals-based financial strategies tailored to each stage of their lives. Shelley holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. She earned a bachelor’s degree in business from Drury University and a master’s degree in accountancy from Missouri State University. Her financial career began in public accounting, though she does not provide accounting services in her current role. She is actively involved in her community, serving as a board member for both the Ozark Food Harvest and the Ozark Regional YMCA. Shelley resides in Springfield with her husband, Brad, and their daughter, Olivia. Outside of work, she enjoys family time and participating in fitness activities such as hiking and yoga.