Education

• Bachelor of Science in Financial Management from Western Kentucky University
• Master of Arts in Economics from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards
• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions
• Licensed Accident & Health Insurance Agent, Kentucky Department of Insurance
• Licensed Life Insurance Agent, Kentucky Department of Insurance
• Licensed Variable Life & Variable Annuities Agent, Kentucky Department of Insurance

Andrew has nearly twenty years of professional experience. He has worked in banking and trust, as well as wirehouse and independent advisory firms, both in the US and abroad. He uses his wide range of experience to help clients, students, and the financial planning profession thrive.

In addition to guiding Clients on their journeys to smarter financial management, Andrew is a Pedagogical Assistant Professor at Western Kentucky University's Department of Finance. He was named as one of the "Professors Revolutionizing Financial Planning" by Financial Planning Magazine in 2017. Andrew currently teaches courses on Personal Finance, Tax Planning, Risk Management & Insurance Planning and the Financial Plan Development Capstone. He formerly served as the Director of the (CFP® Board Registered) Financial Planning Programs from 2011-2015, and remains actively involved in program design and leadership.

Andrew is the founding and current Director of the WKU Center for Financial Success, managing various financial literacy programs, including a peer-financial-counseling clinic that currently employs six students working as Financial Success Counselors. He is the founding and current Faculty Advisor to the WKU Financial Planning Association™ Student Chapter. He is also the former Membership Chair of the FPA™ of Kentuckiana Board of Directors.

Andrew is the co-author of more than 15 chapters for the CFP® Board Financial Planning Competency Handbook, 1st and 2nd editions. Recently, Andrew was chosen to represent the CFP® Board as a judge for the national Financial Planning Challenge competition at both the 2015 and 2016 FPA™ BE Conference.

Andrew lives in Bowling Green with his wife, Erica, and their two sons. He enjoys spending time with his family and friends, traveling, and attending concerts.

Education

• Associate of Arts from Florida College
• Bachelor of Science in Financial Planning from Western Kentucky University
• Bachelor of Arts in Economics from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards
• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions
• Licensed Accident & Health Insurance Agent, Kentucky Department of Insurance
• Licensed Life Insurance Agent, Kentucky Department of Insurance

Richard has professional experience in personal, corporate, and operational finance and accounting. He uses his wide range of experience to help individuals and businesses thrive. In addition to guiding clients on their journeys to smarter financial management, Richard is the Chief Compliance Officer for Eezy.com, a media company operating multiple web properties that provide a creative marketplace for millions of users around the world each day. He also provides consulting services to multiple small businesses through RC Holdings, LLC.

Richard lives in Bowling Green, Kentucky with his wife, Charity, and their four children. He enjoys spending time with his family and friends, traveling, and playing golf. Richard is also a deacon and active member of the Lost River Church of Christ in Bowling Green, Kentucky.

Education

• Bachelor of Science in Chemistry and Biology from Western Kentucky University
• Certificate in Financial Planning from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards

Sabina has a wide range of professional experience. She has worked in banking, independent advisory firms, as well as higher education and analytical chemistry. She uses her experience to help clients, students, and the financial planning profession thrive.

In addition to guiding clients on their journeys to smarter financial management, Sabina is a mentor to students in the Western Kentucky University Financial Planning Program. She meets with students to discuss goals, develop plans, and serve as a resource.

Sabina is an active member in the Financial Planning Association™. She has served on the national Diversity Committee and the local NexGen Committee. She is also involved in a mastermind group that focuses on empowering personal finance professionals to reach their highest potential. She enjoyed the group's second annual retreat in Charlotte in the fall of 2019 and is looking forward to the next one.

Sabina volunteers with Junior Achievement of South Central Kentucky. She teaches courses that offer students practical information to help prepare them for the working world, as well as building and maintaining strong personal finances.

Sabina lives in Smiths Grove, Kentucky with her husband, Alex, and their dog and chickens. She enjoys spending time with her family and friends, gardening, crafting, and enjoying the outdoors, whether that be on foot, mountain bike, or kayak.