Karen Ogden, CFP®, MBA

About Karen Ogden, CFP®, MBA, Graduate Certificate in Sustainability

I am a financial services and capital markets professional with 30 years of experience ranging across the public, private and non-profit sectors. My experience includes economic data analysis; financial product development and education; business management; human resources; regulatory compliance; and most recently financial planning and investing.

Starting out on the floor of the Chicago Board of Trade, I had the good fortune to expand my career at the Federal Reserve Bank of Chicago, Bank of America, Amherst-Pierpont Securities, Guggenheim Partners, and Purkiss Capital Advisors.

While at Bank of America, I was asked to pilot an innovative role that connected the institutional commodities trading desk with the environmental initiatives of the overall bank. It was eye opening and fascinating to see how the private sector and global capital markets can play a proactive role in addressing some of the challenges that face our society today. To further my education on sustainability issues, I completed a 5-course graduate certificate in Sustainability through Harvard University’s Extension School in 2015.

As my career evolved, I came to realize that working with individual investors and helping them realize critical financial goals was something that would bring me a great deal of satisfaction. In fact, having done the same for my own and my extended family, I know firsthand how important it is to make, revisit, and stick with a financial plan – even (maybe especially) when things get difficult. To help refine my education in personal financial management, I enrolled in Boston University’s CPE 7-course curriculum in Financial Planning. Completing the coursework in 2021, I passed the CFP® exam in November of 2021 and completed experience requirements in March of 2022. Joining James Osborn as a Partner with Envest in 2022 meant combining two of my passions into one role. That was an easy decision to make.

Having worked with clients at many levels of financial readiness, I know the value that an objective and knowledgeable planning partner can bring to the difficult and ever-evolving financial planning process. I am excited to help clients with financial planning as well as values-driven investment strategies. I also volunteer with Savvy Ladies as help line resource providing free financial coaching to women on their financial journey.

I am a graduate of Boston College with a B.S. in Finance and the University of Chicago Booth School of Business where I earned an MBA. I was an elected member of the Board of Finance of the town of Ridgefield, CT prior to moving out of state to Vermont, where I currently live in Dorset with my husband in our recent role of empty nesters.

Ariadne Horstman, CFP®, RLP®

About Ariadne Horstman, CFP®, RLP®

I have been practicing financial planning since 2008 and came to this profession out of a desire to help others and work in a meaningful profession where I can impact lives positively. A graduate of Smith College, I worked in consulting and marketing earlier in my career and came to financial planning later. My broad experience and liberal arts education have been helpful in understanding a range of different clients in various life situations. Having lived in France, India and the UK, I have international skills to bring to those with cross border situations. I founded my own firm in 2015 and merged with Emilie Goldman’s firm, Tamarind Financial Planning, in October of 2022. George Kinder’s Life Planning training allowed me to delve deeper into the part of client’s lives that focuses on what they want to get out of their time on this earth so we can direct their finances towards that. I love the outdoors, yoga, Pilates, reading, creative writing and meditation. Married to an academic working in Climate Finance means at times spending significant time in other countries and travelling. Our two children are now pursuing their studies so we are fresh empty nesters!

Amber Miller, CFP®, EA

About Amber Miller, CFP®, EA, CSRIC

I help clients build their net worth and use their money for good. I serve busy professionals, who work hard every day to care for others (patients, pets, kids) AND who want to do more. They’re passionate about personal, environmental, and social justice issues, and frustrated they don’t have the financial savvy (or time) to support their lifestyle and also change the world. I help clients make their extraordinary lives even better.

How you save and invest for the future, where you bank, and even the credit card you use can help make us and the planet a little better. As your partner (and fee-only fiduciary), I’ll help you understand your options, find venues to support what’s important to you, and build a better world.

I am one of less than 500 financial professionals to hold the Chartered SRI Counselor (CSRIC) designation, specializing in sustainable, responsible, and impact investments (SRI). These are investments that consider the environment as well as incorporate procedures and governance to not only generate a return for a client but also to make a positive societal impact.

Read Amber’s blog here: http://rising-financial.com/blog/

Elizabeth Snyder, CFP®

About Elizabeth Snyder, CFP®

I am Elizabeth Snyder. I am a financial planner and investment manager. I transitioned to financial planning after 20 years as a mental health therapist. I saw a need for creating a non-judgmental and non-threatening place where individuals can get their financial questions answered and create a plan. I enjoy working with women who have recently gone through a transition: widowhood, divorce, death or other life transition. I often encounter my clients in the midst of a transition – mixed with loss or sudden money and possibly bigger financial responsibilities than they have ever had before. Ideally, I start working with people before a big transition, however sometimes it takes a big change to take the step and reach out for assistance. This can be a vulnerable time for individuals and I am protective of those I work with as a fee-only and fiduciary planner. I help you put all the financial pieces together into a cohesive strategy that matches you, your family, and your values. I help you organize, strategize, simplify. I partner with you to assist you in making the choices you want.

I am a mother of two children plus a dog and I was born and raised in the Pacific Northwest. I love to get outside and enjoy our beautiful region.

Jonathan Kolmetz, CFP®, MBA

About Jonathan Kolmetz, CFP®, MBA

Jonathan’s life is defined by family, service to others, and a passion for learning.

Jon met his wife, Kristi, when they were students at St. Pius X High School and started dating in 1995 at Homecoming. They married in 2003 and have three children – Jackson (10), Benjamin (9), and Bird (6).

“I’ve always said the biggest perk of owning my own business is the ability to create the ideal work/life balance. The kids often show up in the background of photos in my office or on my videos because we integrate our work and family life.”

In childhood and as a young adult, including his time in the US Army Reserve, Jon has always been of service to others. He has volunteered, served on boards, and even started his own non-profit that raised over $100,000 for his local community.

After graduating from Texas A&M in 2002, Jon wanted to further his education and earned an MBA in 2009 from the University of Houston. In 2010, he attended Rice University and completed his Certified Financial Planning education. He became a board-certified CFP Practitioner in 2012. Still wanting to advance his education and continue serving others, Jon enrolled in a Clinical Mental Health Counseling master’s program at the University of St. Thomas in Houston and earned his degree in 2021.

Jon is constantly listening to podcasts, TED Talks, or watching documentaries—much to the chagrin of his wife and children.

For fun, Jon spends time with his cows and getting tractors stuck at the Kolmetz farm in Livingston, Texas. You also might find him on the boat at the lake pulling his kids on a tube.

The Kolmetz family continues to be active in their local community by supporting and sponsoring activities and events, including those at St. Rose of Lima, where the Kolmetz family are parishioners and where their children attend school.

Jacki Farrar, CFP®, CDFA

About Jacki Farrar, CFP®, CDFA

Integrity Financial Strategies is a boutique, fee-only financial planning firm that specializes in helping those in transition gain clarity and confidence in their financial future.

We offer investment management, financial planning and transition planning including career changes, divorce, retirement, death of a loved one, starting a family, blending families, inheriting wealth or selling a business.

With 15 years in financial services, Jacki has extensive experience working with women who mange their finances on their own – single, divorced, widowed, women who experience sudden wealth and women lead households. She is passionate about partnering with her clients to help them navigate their financial lives and gain a sense of control over their financial future.

In her free time Jacki enjoys the gym, paddleboarding, walking with her pup Cadence and time with friends and family.

Harry Moran, CFP®, AIF®

About Harry Moran, CFP®, AIF®, CeFT®

Harry Moran is a 30-plus year veteran of the advisory profession. After beginning his career with as Regional Coordinator for an Albany NY-based mutual fund company, Harry joined Advantage Capital Corp. in 1988. In 1992, he joined Cornerstone Financial Advisors and Cadaret, Grant and Co., Inc. where he worked for 19 years before leaving to found Sustainable Wealth Advisors in September of 2011. He began working with sustainable investments in 1988 and made the commitment to specialize in this approach in 2001. As the owner and founder of Sustainable Wealth Advisors, Harry has been able to expand the practice he built at Cornerstone. He has been a network advisor with First Affirmative Financial Network since 2001 and was an Investment Advisory Representative (IAR) of Portfolio Resources Advisor Group, Inc. (PRAG) from 2011 until April 2021. Harry also served on the PRAG Investment Committee from 2018 until his departure in April 2021 to become a Founding Member of Sustainable Advisors Alliance, LLC. Harry resides in Saratoga Springs, NY with his wife Ellen. When not at work, you can find him out riding his bike, walking, or supporting the local art and music scene.

Andrew Gray, CFP®, CRPC®

About Andrew Gray, CFP®, CRPC®

I’ve found that clients come to me with a series of specific challenges that they’d like help with as they approach retirement and living in retirement. These challenges center around how to best:

Replace their employment income from the assets they’ve saved
Minimize taxes paid now and in retirement
protect against the risks of the future (i.e. inflation, market downturns, unplanned health issues, assets taken from them unjustly, longevity, etc.)
How to avoid common mistakes that can be very costly over the course of their lifetime.
There are dozens of important financial decisions you face that can easily feel confusing and overwhelming.

This is where I can help you.

I launched Gray Wealth Strategies to bring highly personal, truly objective, evidence-based advice to your key financial decisions. This is what we should expect as we make critical financial choices. Regrettably, however, a vast majority of the financial services industry does not operate under such a standard where the advice/products being recommended truly align with your best interests. In fact, you may have even experienced a few of those “advisors” yourself.

I aim to change that experience for you. I operate under a “fiduciary standard”. This means that I am legally bound to provide objective advice in your best interests with zero product sales or commissions as your flat-fee only CERTIFIED FINANCIAL PLANNER™.

My flat-fee only structure is unique in the industry. We offer clients two flat-fee only options: 1) a one-time retirement plan which is intended for DIY investors who want to get a second opinion and validate their decisions and 2) a full-service wealth management relationship. As part of our full-service relationship, we focus on leveraging your retirement roadmap (i.e. initial financial plan) and using it to inform, customize, and optimize your investments, taxes, and estate planning needs.

Clients who are familiar with the standard asset under management (AUM) fee structure (i.e. being charged a percentage of your assets) will appreciate these flexible, flat-fee only offerings, and I personally think it’s a great way to objectively help pre-retirees and retirees.

I absolutely love the work I do and I am proud of the value I bring to my client’s key financial decisions.

That said, my #1 pride is my family: my wife, Jessica, and our three children (Waverly, Everton, and Zealand). We split time between the outdoor wonderland of the Pacific Northwest where we mountain bike, ski, camp, and raise our littles, and the great city of Austin, TX where family resides and Lake Austin calls for fun family time.

That’s my “why”: being the best advisor I can be to my clients and living the best life possible with my family and friends.

What’s your “why”? And how can I best help you live it with the resources you have?

Please reach out and I look forward to getting to know you.

Read Andrew’s blog here: https://graywealthstrategies.com/blog/

Kelly Nilsson, CFP®, JD

About Kelly Nilsson, CFP®, JD

Money is not complicated – our relationship with money is. As an industry, financial services has traditionally put the spotlight on money, failing to center the human in the story. Money is a human construct – it is an extension, a reflection, and a record of us and how we live. Money is important, but not as important as you.

As a financial planner, my role is to support, guide, inform, and empower my clients to integrate money and finance into their lives in a way that is deeply personal and affirming. If you want to connect to money and finance in a new and positive way, we should talk!

My journey in finance began in 1992, and since then I have worked with thousands of professionals and clients in the industry. Working with companies large and small and people from all walks of life, I have amassed deep expertise and empathy available to anyone who wants to create better outcomes and a healthier relationship with money.

Family, curiosity, and trust are my highest values. There is nothing I love more than hiking the Northern California mountains with my husband Martin and son Sebastian or laughing wildly with my sisters and mom over something silly.

I am a proud graduate of Mount Holyoke College, receiving a Bachelors of Arts in International Relations. I have held the Certified Financial Planner designation since 2003 and in 2018 I received a Juris Doctor from St. Francis School of Law.

Amy Rosenow, CFP®, CFA

About Amy Rosenow, CFP®, CFA

Amy Rosenow is the founder of Fearless Financial Planning, an advice-only financial planning and education firm focused on women, families, and entrepreneurs.

Prior to Fearless, Amy worked as a consultant providing strategic advisory and outsourced COO services to growing start-ups and small businesses. Amy also founded Jugl LLC, a software company focused on making it easier to be a working parent. Before Jugl, Amy served as Partner, Chief Operating Officer, and Chief Compliance Officer of Sheffield Asset Management, L.L.C. for over a decade. In this role, she oversaw a variety of functions including operations, client service, investor relations, marketing, risk management, compliance, and technology for the Chicago-based investment management firm. She began her career on Wall Street, working for Morgan Stanley, JP Morgan, and Bear Stearns.

She also serves as President of both RUOK Management investment partnership and Kaplan Rosenow Family Foundation.

Amy graduated from Cornell University. She lives in Chicago with her husband, two daughters, and their chocolate Labrador retriever.

She is involved in a variety of community and non-profit initiatives, serving on the board of Temple Sholom of Chicago, as a member of the President’s Council of Cornell Women and the Economic Club of Chicago, as a mentor at 1871, Chicago’s Center for Entrepreneurship and Technology, and as the Treasurer of the Latin School of Chicago Parent Association. In addition, she is the co-Founder and Chief Financial Officer of the Josephine Collective, a women-led group of angel investors co-investing small amounts in early-stage startups.