Here’s the long version summed up in five bullets: 1) I started off in finance working at a regional bank, SunTrust, helping people with more transactional needs like opening home equity lines, loans, checking accounts, money market accounts, etc. 2) I found that I really enjoyed finance because it brought numbers to life, but I wanted to build deeper, lasting relationships with clients so I moved into wealth management / financial planning at Morgan Stanley (then Smith Barney) 3) I was recruited to move to Merrill Lynch/Bank of America as the world seemed to be falling apart. I thought I was moving to a more secure financial institution…ha! 4) As I watched what seemed to be the demise of modern finance and capitalism with it, I stumbled onto Biblical stewardship via Crown Financial and Financial Peace University 5) After seeing a different approach to personal finance, I started Metanoia Financial to provide Biblically-based financial planning and advice

Anthony Lyons is a Financial Consultant at Fidelity Investments, where he works alongside a team of financial professionals to provide guidance aimed at helping clients achieve peace of mind and live with purpose. He focuses on actively listening to clients' concerns and suggesting courses of action to support their financial goals. Anthony has held various roles in the financial services industry since 2016, including positions as a Financial Advisor at PNCI and Edward Jones, Private Wealth Advisor at Regions Bank, and Vice President-Planning & Development Manager at Arvest Wealth Management. His experience spans several organizations, reflecting a broad background in financial consulting and wealth management. Outside of his professional work, Anthony has interests in baseball, cars, football, and social events with friends.

Timothy Warner is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2003 and holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification as well as the Personal Investment Advisor (PIA) designation. Tim has experience spanning the banking and insurance industries and works with private sector executives, military personnel, and civil service members. His team offers a range of wealth management programs and strategies focused on helping clients develop personalized financial roadmaps. Tim’s areas of expertise include family wealth management strategies, legacy planning, philanthropic planning, portfolio management, retirement income, tax minimization, and socially responsible investing. He emphasizes a comprehensive approach to managing wealth that begins with listening to clients and assisting them in making informed decisions to meet their long-term financial goals. Tim and his team at Merrill Lynch act as primary contacts for clients, providing ongoing support across all aspects of their financial lives. Timothy Warner earned a Bachelor's Degree from Mid-Continent University and also attended the University of Illinois System and Rend Lake College. He lives in Mascoutah, Illinois with his wife and three daughters. Both he and his wife were raised in the Rend Lake area. Tim is involved with the Ainad Shriners and First Baptist Church O'Fallon, IL. His personal interests include adventure sports, scuba diving, skiing, traveling, and spending time with his family.

Andrew Sharon is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing both short- and long-term institutional-style strategies tailored to complex and unique financial situations. Utilizing the extensive resources of Merrill Lynch and Bank of America, Andrew delivers personalized wealth management approaches focused on helping clients achieve their financial goals, with particular expertise in areas such as family wealth management, retirement income, legacy planning, and portfolio management. Andrew holds a Bachelor's degree from Northwestern University and an MBA from Washington University in Saint Louis. He holds the Personal Investment Advisor (PIA) designation and is affiliated with professional organizations including Arch Grants and the Washington University Hatchery. In addition to his professional work, Andrew is engaged in community service through involvement with the American Jewish Committee, Jewish Community Relations Council, and Kids In The Middle. Outside of his professional pursuits, Andrew enjoys a variety of personal interests including baseball, cooking, football, golfing, ice hockey, music, spending time with family, tennis, traveling, and watching movies. His approach to financial advising emphasizes understanding clients’ life priorities to develop personalized plans that align with their goals and aspirations.

Adam Zucker is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been an investment professional since 1994 and focuses on developing strategies for high-net-worth individuals, families, and businesses. Adam works to simplify clients’ financial lives by identifying and prioritizing their goals, including investment management, tax minimization, wealth transfer, and retirement income. He manages custom investment strategies on a discretionary basis, drawing from Merrill Lynch model portfolios and third-party investment options. Adam takes a holistic approach by considering both assets and liabilities to create personalized wealth management strategies tailored to each client's goals and risk tolerance. His expertise encompasses corporate executive services, family wealth management, endowments, foundations, non-profits, liquidity management, philanthropic planning, and small business strategies. He collaborates closely with clients to provide access to investment insights from Merrill and banking and lending solutions through Bank of America, N.A. Born and raised in St. Louis, Adam earned a Bachelor's Degree in Political Science from the University of Missouri – St. Louis. He holds the Personal Investment Advisor (PIA) designation. Outside of work, Adam is involved in community volunteer activities and enjoys golfing, tennis, and traveling. He resides in University City with his wife and daughter.

Michael Cohan is the Resident Director of Merrill’s Metro East office in Swansea, Illinois. He joined Merrill in 2002 and brings over 20 years of experience in wealth management. His tenure includes more than a decade on the Merrill St. Louis Leadership Team and several years serving as a Financial Advisor on The Gray Group Wealth Management Team. Michael’s expertise focuses on family wealth management strategies, retirement planning, investment consulting, and helping professionals and business owners achieve their financial goals through advice, planning, and investment management. He holds bachelor's degrees in Finance and Management of Information Systems from Florida State University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael and his family reside in Glen Carbon, Illinois. Outside of work, he enjoys spending time with family and friends, playing golf, traveling, and supporting local community organizations such as the Madison County of Illinois Child Advocacy Center.

Katherine Behrens is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop and update comprehensive financial plans tailored to their individual needs and investment preferences. She aims to build long-lasting client relationships focused on creating peace of mind and helping clients confidently achieve their financial goals, including those related to family and charitable activities. Her professional experience includes roles at Fidelity Investments since 2018, progressing from Financial Representative to Relationship Manager, and currently Planning Consultant. Prior to Fidelity, she held positions such as Business Development Analyst at Reinsurance Group of America, Client Relations Coordinator and Client Experience Manager at Northwestern Mutual, and Marketing Manager at Wells Fargo Advisors Financial Network. Outside of her professional career, Katherine has interests in art, food, golf, and traveling.