Jeffrey Michael Paul

Karyn Smith is a CFP® professional with six years of experience, currently serving as the sole advisor at Smith CFP, Karyn. She has been a vice president and treasurer of Rk Consulting, a computer consulting and tax services firm, since 1998. In addition to her financial advisory work, she teaches an online class at Olivet College and serves as a trustee on the Normal Town Council. Smith CFP, Karyn provides portfolio management and financial planning services to individual clients, focusing on asset allocation supported by various analytical methods. The firm operates with investment discretion under limited power of attorney while clients retain ownership of their securities, and it integrates accounting and insurance services through its affiliations.

Clark Purdy is a CFP® and ChFC® professional affiliated with Toft Wealth, LLC, with four years of industry experience. Prior to founding his firm, he held roles at McBeath Financial Group, COUNTRY Trust Bank, Wells Fargo Clearing, and worked in the car wash service industry. Toft Wealth, LLC serves individual and high-net-worth clients with wealth management services that integrate discretionary investment management and comprehensive financial planning. The firm employs asset allocation and modern portfolio theory in its investment approach, utilizes a formal compliance structure despite being a single-advisor independent firm, and offers select pro bono planning engagements.

Roger Elliott is a CFA® charterholder with 22 years of industry experience. He has been the principal of Elliott Capital Management, Inc. since 2000. The firm provides discretionary investment management and financial planning services to individual and family clients, focusing on broadly diversified passive asset allocation using primarily exchange-traded funds. Portfolios are tailored to client objectives, risk tolerance, liquidity needs, and tax considerations, and the firm emphasizes tax and reporting matters informed by Elliott's CPA and CFA credentials and prior experience in public accounting.

Bryce Dooley is a financial advisor with Blue Jean Wealth Management in Le Roy, Illinois, holding a Series 65 license and six years of industry experience. His prior work includes roles at BD Mgmt LLC / BD Capital, Keystone Homes, and managing McLaughlin/Dooley Farms. Outside of his advisory work, he manages a vending machine business, overseeing inventory and customer relations in the Bloomington-Normal area. BD Capital provides discretionary investment advisory and portfolio construction services primarily to individual clients and select business entities, using a fundamental, bottom-up investment approach focused on concentrated portfolios and long-term horizons. The firm employs borrowing and derivatives strategies uncommon among similar advisers and aligns its interests with clients by investing personally in the same securities.

Kathryn Kraft is a CFP® and Series 66 licensed financial advisor with 21 years of industry experience. She has worked at Investment Advisors Corp. and Broker Dealer Financial Services Corp. before founding Kraft Financial, LLC in 2018. In addition to her advisory role, she is an independent insurance agent specializing in life insurance and annuities. Kraft Financial, LLC provides discretionary asset management and comprehensive financial planning to individuals, trusts, estates, and charitable organizations. The firm manages approximately $36 million for a select group of clients, focusing on diversified portfolios constructed from passive and active ETFs, mutual funds, equities, fixed income, and structured products, with an emphasis on cost control and a long-term perspective.

Henry Vance is a financial advisor with Ark Advisors LLC in Bloomington, IL. He holds a Series 65 designation and has one year of industry experience. Prior to joining Ark Advisors, he worked at Production Machining Technologies and operated Hedgewood Lawn Services for six years. Ark Advisors serves individual investors, pension and profit-sharing plans, and charitable organizations by providing portfolio management, financial planning, fiduciary consulting for retirement plans, and 529-plan advisory services. The firm employs a personalized investment approach guided by Investment Policy Statements and manages about $195.6 million across approximately 325 clients.